23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I rec 'd a forwarded recorded message from someone whom I do not live with, stating that a Ms. XXXX with Northwood Asset Management Group  ( AMG ) was looking to obtain a statement placed in their office containing my name and social security number, stating to call XXXX. The person who forwarded the message is not part of my household, and the phone number Ms. XXXX called attempting to reach me, is not a valid number for me, and has been continuously leaving messages at various individuals voicemails about the debt. The information was obtained through public records and violated the debt collection act by leaving details that should have been intended for me. I received a direct call on my personal cell phone on XX/XX/XXXX at XXXX XXXX, from the same individual, Ms. XXXX representing AMG. She stated she was representing the former Creditor, XXXX with whom I defaulted on a {$3500.00} installment loan in XXXX, after I could not complete the final payment of {$1800.00} estimated balance on a negotiated settlement for the loan. The the loan was sold for collection to AMG. I told Ms. XXXX that the number she was calling me on this day, was my correct phone number, and and that she is to only speak to me about the debt, and no one else. I advised her that I was unable to pay due to a Federal Tax Lien Filed on my personal property and assets by the Internal Revenue Service in XX/XX/XXXX. I stated that I was in the process of obtaining an attorney through my legal team XXXX XXXX XXXX, and preparing to file a bankruptcy petition with a legal counselor. I stated due to the tax lien, no funds would be paid to anyone until a plan was put in place and filed. She proceeded to argue with me about the debt, and ask why I haven't obtained an attorney. I explained to her, that I am a XXXX  XX/XX/XXXX, I am in the midst of a financial hardship due to COVID-19, and since the courts were closed, having trouble finding an attorney. I obtained her address, and stated the company she was collecting on behalf of would be notified of the attorney and case when it's finished. Ms. XXXX was also told again on XX/XX/XXXX, if there are further collection calls, she was to contact me directly and no one else! I gave her my number again, and verified my mailing address. With that in mind, she still proceeded to harass me about why I haven't filed, why I haven't obtained an attorney, and that she had a right to call whomever to collect the debt, and I hung up. She is still calling other people and leaving messages, knowing that she has my active contact information on file! Today, on XX/XX/XXXX. I was notified by yet another individual, again, who does not live with me, is not related to me or share the same phone number, that they received a recorded phone message from Ms. XXXX stating they were attempting to collect a debt, and left details on the message. This is a violation of the Fair Debt Collection Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th time submitting a dispute request via mail and via CFPB and nothing is being done here ... Please send me my disputes results via email immediately. 

At my demand request, if you are unable to respond in a timely manner and provide the above items, please remove the account ( s ) from my credit report to prevent further damage. If not verified, valid, or compliant, delete each account reporting in violation. 

XXXX XXXX- XXXX Not my account XXXX XXXX XXXX XXXX Not my account XXXX XXXX XXXX Not my account XXXX XXXX XXXX- XXXX Not my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Texas XXXX XXXX XX/XX/1988
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/year> received a text about a cash payday loan that I never owed to nobody
Product: Debt collection

zions debts holings is reporting a fraudelent account that was opened in my name due to identity theft .im filing this complaint because of identity theft.15USC 1681 this account supposed to be removed in 4 days not 30 days.
Product: Credit reporting or other personal consumer reports

In regards to the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Equifax and XXXX  has violated the Fair Credit Reporting Act ( FCRA ) concerning my credit report. The FCRA states " Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates ''. XXXX, Equifax and XXXX did not and does not have any consent from me to furnish this information. FCRA also states " Except as authorized under subsection ( b ), 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. '' These accounts are adverse items and are reported again without my permission which is against the law. 15 U.S. Code 1681e states ''. FCRA states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Equifax and XXXX is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of XXXX, Equifax and XXXX 's reporting services.
Product: Credit card

On XX/XX/year>, I was accidentally charged {$1800.00} by a local store for food that should have totaled {$18.00}. Merchant said it was in error, so I disputed with Chase. They asked for me to go back to the vendor, which I did, and the vendor gave me an {$1800.00} credit, but Chase has removed the refund and said my receipt from the refund isnt valid. Chase is still holding my money, even though the vendor and myself have both tried to recover the funds.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a XXXX  ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 1681 ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them accounts. XX/XX/2022, 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of consumer or from the consumer.

They also violated my rights numerous times. The credit hurosue vinlated my nivenrin Nor 15 1100 1601 identify you and your account. Consumer reporting agency when such information was obtained directly from a creditor of the consumer or the consumer. They also violated my rights numerous times.The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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 According to : 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 or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

They call from restricted numbers. My phone does not allow this. They call from many different numbers. They use this number to call me : XXXX. I have checked my credit report and no one has taken out a credit card in my name. I do not use credit cards. They primarily deal with credit card debt or old debts. I wish for them to desist and decease from further telephone contact until they can provide me with a debt validation letter proving that they now own the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : TN XXXX XXXX XXXX Balance : {$20000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Pulled up a copy of my credit report and seen there were some accounts that are not mines and will need them removed, and I have several accounts that have inaccurate information and I will be filing a police report to remove the information thats unknown its so much information thats inaccurate XXXX XXXX  XXXX XXXX XXXX XXXX XXXX SEVERAL ACCOUNTS showing inaccurate and incomplete information, I will be filing a police report.
Product: Credit card or prepaid card

I have many issues with the closed " XXXX XXXX XXXX Mastercard '' aka XXXX XXXX XXXX on all my credit Reports showing closed that reduced my credit score. 

1..This card was a sears card and was transferred over to a shop your way mastercard from citibank north america.when XXXX closed and went bankrupted. 
2..I never asked for or applied for a shop your way card.When I called XXXX to ask to show proof or mail copies that i applied for this card, they said they cant provide that information to me. 
3..After many disputes with CFPB, transunion, XXXX , XXXX , etc. , requsting to remove the tradeline on all credit reports, they sent a letter ( s ) dated XX/XX/XXXX citing " On XX/XX/XXXX, the XXXX Mastercard account ending in XXXX was converted to the Shop Your Way Mastercard account ending in XXXX. A Change in Terms notification was sent to you in XX/XX/XXXX, which communicated this transition. This was a business decision and there was no opt out option for our customers. 
Please accept this letter as confirmation that this was a change in the account number and available purchasing options, but it is not considered a new line of credit ''. 
4..According to CFPB laws/rules and the FCRA act that protect consumers, I have the right to opt out of any change in terms.XXXX claims that was a buisness decision and there was no " opt out option ''. 
5..XXXX claims they sent me the new terms but they didnt.They only produced the new terms when i disputed false information on my credit reports.When i called them to produce paperwork initially, again, they said they couldnt produce any information. 
6..Because XXXX lying behavior.they claim they arent affliated with sears/kmart but indeed they are.Please see attached dispute responses from XXXX. 
7..XXXX and XXXX credit card is/was XXXX and so is XXXX XXXX XXXX mastercard. 
8..On XXXX XXXX, i called citbank reference number XXXX, and citbank cited '' We reviewed the call from XX/XX/XXXX, and confirmed that the agent provided incorrect information regarding the account closure. We have provided feedback to the agents manager. We regret any inconvenience this may have caused. Our goal is to serve our customers by providing superior service and products, and one of the best ways to achieve this goal is to receive feedback from our customers ''. 
9..XXXX closed my account that i did not ask for 10.XXXX is lying This is reporting on all credit reports as XXXX/XXXX your way Therefore, I did not request this credit card or ask for this credit card.I did not have the option of opting out per FCRA act.I did call and request information that citibank would not produce. 

Im requesting that all information be thoroughly be investigated and not seen as a duplicate complaint
Product: Checking or savings account

I am filing a complaint regarding Citi Banks handling of my funds, which are being held up beyond the regulated timeline. On XX/XX/XXXX, I received a refund of {$150.00} for a purchase. The bank held this refund for longer than the governed regulation timeline allows. Additionally, they are now holding a deposit of {$61.00} tied to this refund. 

XXXX XXXX XXXX  has confirmed that they released the hold on the original transaction date, XX/XX/XXXX. It is now XX/XX/XXXX, and my transaction is still pending beyond the regulated time frame for pending authorizations to be released. 

When I call Citi Bank customer service to speak with the XXXX response team, I am told they are unable to transfer me. As recently as today, the representative suggested I speak with the fraud department, the same department that discriminated against me regarding a previous CFPB complaint and an XXXX complaint I filed. 

I request immediate assistance to resolve this matter and to release the pending funds according to regulatory guidelines. 

I have emails from XXXX XXXX stating the funds shouldnt have been held as theyve released and refunded the hold and transaction over XXXX days ago. My account is manually being handled by the fraud team, and caused a lot of trouble for me at the beginning of account opening. I am still being discriminated upon and mistreated while my funds are being held. 

As you can see the transaction for {$150.00} was initiated on XX/XX/XXXX and I did not receive this until XX/XX/XXXX after calling to inquire. I am now going through the exact same thing with my pending hold.
Product: Credit reporting

The institutions are implying I filed XXXX bankruptcies within a 2 year span. This was the same case and was discharged XXXX/XXXX/2012. It was initially filed in the XXXX Bankruptcy Court XXXX XXXX This is allowed because of the closeness XXXX. ) I was a XXXX resident at the time. XXXX of the creditors, XXXX XXXX XXXX protested the XXXX XXXX Courts XXXX and the case was dismissed on this technicality and reopened XXXX. The other sited dismissals are movements through the court or a conversion from Chapter XXXX to XXXX. Mortgage Investors denied my XXXX Dream mortgage based on this inaccurate information. Whoever reported this did not read the case and reported this in bad faith and in lieu of an understanding of Bankruptcy law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a dispute with XXXX  regarding a late payment that was reported by Nationstar. On XX/XX/XXXX I received an email confirmation that my dispute # XXXX had been closed. The compliant follows as both XXXX  and Nationstar failed to correct their error. 

On XX/XX/XXXX I filed a complaint with CFPB regarding Nationstar 's credit of my mortgage account ( reporting case number XXXX and CFPB reference number XXXX ). In a letter submitted by Nationstar to the CFPB on XX/XX/XXXX, Nationstar clearly states " Moreover, our records do not indicate that we have reported the loan negatively. '' ( see attached letter ) It is clear in my XXXX report that I was reported 30 days late in XX/XX/XXXX. This is a fraudulent statement as I have attached my payment history indicating that my payment was received and credited on XX/XX/XXXX. How Mr. Cooper chose to apply those funds is irrelevant. My full payment was made by the due date as indicated on my statement. My payment was not late nor has it ever.
Product: Credit reporting or other personal consumer reports

sold to and bought by a third party ( collection agency ) and i have no liability to a third party because i do not have a signed contract with XXXX XXXX. Because this debt was sold to a third party agency that means the account was a charge off therefore it will be considered income and income can not be reported on my credit report because it is now a XXXX of XXXX. By law this must be removed.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I was Late paying my mortgage. I applied for a loan modification in XX/XX/XXXX and was told to make 3 months of payments at the new amount and they would make the new amount permeant. I made all payments on time but they reported me 120-149 days late every month until XX/XX/XXXX. They should have only submitted the one late payment from XXXX but have shown me late even when making all payments at their new amount on time since.
Product: Credit reporting or other personal consumer reports

They current have on my credit report that I'm late for XX/XX/XXXX and XX/XX/XXXX. I'm 30 days for XXXX and its paid. XX/XX/XXXX was due on the XX/XX/XXXX and it's not set to be 30 days late until XX/XX/XXXX and XXXX shouldn't be late because it's not due yet. THe pay status should be current pay as again and the XXXX pay should be 30 days late XXXX  should be okay and XXXX should be deleted and current balance
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sent me an email that it looked like my personal data had been compromised. I reviewed everything and there was several unknown inquiries and accounts that I am reporting are definitely not mine. Please remove these items from my report. 

XXXX  XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX XXXX {$6300.00} XXXX XXXX XXXX XXXX XXXX {$600.00} DEPT OF ED/XXXX   XXXX {$69000.00} XXXX/XXXX XXXX XXXX {$300.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00}
Product: Checking or savings account

good day, for the second time in a year the PNC bank has blocked my access to my account for no reason. 
i visited the PNC bank in XXXX two weeks ago to get my PNC debit card and when i tried to login on my phone with my fingerprint i got the message that my access was blocked. i asked the bank employee who gave me my debit card to unlock my account. she said that she could not do it, i would have to call the support hotline. 

i tried chat first. i was told that i would receive a letter to my address in XXXX with an access code. when i arrived in XXXX i received a letter confirming the pickup of my debit card but no login code for online access. 

therefore i called four times and was connected to several people who could not remove the block even though i answered all of their questions correctly including my phone number and my debit card number. they told me that the only option would be receiving a letter with an access code. i answered that this does not work for me because i will be leaving for XXXX tomorrow, the XXXX of XXXX and i will fly out from XXXX to XXXX on XX/XX/XXXX. as i will not come back within many months, i need access to my account before that. it is not acceptable that i have to wait many months before i can access my account. 

please help me to access my account at PNC and make PNC bank apply normal business processes enabling customers to access their account after their verification.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXX/XX/year> {$430.00} By the provisions of the Fair Credit Reporting Act, I demand that this items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report.