23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

MAC also known as Mediation Account Center continues to call and harass me daily. They are calling over a debt that I do not believe I ever took out and it approximately 10-15 years old, well past the Statute of Limitations for debt collection. Numerous agents have threatened me and have called family members. They threaten me with jail time and other repercussions, despite refusing to validate the debt. They threaten me with a summons to go to court, which they refuse to send. They called me numerous insults like liar, deadbeat, and loser. They also gave out my full social security number and date of birth over they phone. They continue to robocall daily from new numbers, the most recent numbers being ( XXXX ) XXXX and ( XXXX ) XXXX, ( XXXX ) XXXX, and ( XXXX ) XXXX They also refuse to honor my do not call requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act 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 XXXXXXXX, Has Violated my rights 15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency CAN NOT furnish a account WITHOUT my written instruction
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX INQUIRIES XXXX  XXXX  - XXXX, XXXX XXXX  - XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

I went to XXXX XXXX XXXX later known as XXXX College in XXXX Texas XXXX learned later on the school closed due to bankruptcy probably due to the lies about the education as well as job placement that never happened as well as no one recognizing their medical billing and coding education classes as well as other classes being taught at this school I was told to call and get a loan from at that time Sallie Mae as well as pay a little over {$2000.00} out of my pocket to the school not knowing I was being ripped off by the time I realized it was too late now I am dealing with school loans I have put in foreberance several times and now consolidated loans paying {$80.00} a month until the amount goes up have tried to be forgiven several times anyway I could see was fit to get this forgiven and the last time I called XX/XX/2018 was told if I pay {$120.00} a month for 20 years will be forgiven but the calculation is closer to XXXX and original loan was around XXXX now with interest its closer to XXXX Navient is crooked and should be out of business as well as the fake schools promising what they will not and dont plan on giving you which is an education that will get you hired because you were taught correctly and is a respectable school that educated you with the knowledge to do the job The education system and loan system is a disgrace and those of use trying to make something of ourselves should not have someone in our pockets taking what little we do earn to pay for lying manipulative Thieves with cost going up and pay not everyone that was given this promise and was not made good on should be forgiven with no repercussions
Product: Checking or savings account

On XX/XX/2020, I received an email from XXXX stating that my account is currently closed. I received my direct deposit from my employer on XX/XX/2020. I have contacted Chime per their request and submitted the following documents ; driver 's license, social security card, passport, and 1095 for proof and verification of my identity. On XXXX, and XX/XX/2020 Chime continued to ask for the same information as stated above. I have contacted the following number provided by Chime XXXX XXXX XXXX XXXX XXXX. During my attempts to contact Chime via the provided number an automated response states that my account is currently closed and to email support @ chime for further assistance. I proceed to contact Chime again via email with my same concerns, received the same reply requesting my driver 's license and social security card. I have XXXX in this account and now in the middle of a pandemic, I will be unable to pay my rent on the first. I feel like I have been given the run-around. I am overwhelmed and stress because of this situation. I was informed that I will be unable to re-open my account, and told to wait 30 days in order to receive a check for the balance in my account! I have all documentation for this situation. I have even requested to have the balance placed in a different account an was told no!
Product: Debt collection

An entity claiming to be Halsted Financial Services sent me an e-mail on XXXX, XXXX, and XXXX XX/XX/XXXX claiming that they have taken over my XXXX XXXXXXXX XXXX XXXX account. They claim I made a {$420.00} payment on XX/XX/XXXX and have an outstanding balance of {$1000.00}. I have never had an account with XXXX XXXX XXXX XXXX nor have I made payments in the amount shown on the date shown.
Product: Vehicle loan or lease

I am reporting Bridgecrest for Overcharging for add-on products on auto loans. As shown on my report my auto loan was {$13000.00} on a 2015 XXXX XXXX selling for {$8000.00} at drive time. 
After paying {$12000.00} plus an additional {$1900.00} for late payments and additional reinstatement fees, I am being forced to pay an additional {$9200.00} in order to received my title ( XXXX {$21000.00} ) and threatened to repossess my vehicle if I do not make monthly payments of {$400.00} even if Im a day late, opposed to my original bi-weekly payments totaling in the amount of {$400.00} as agreed upon contract based on my monthly income and bi-weekly paydays. 

The company has not reported my last payment of {$1900.00} and has been falsely reporting my payments and even disregards the law In the state of Nevada, a motor vehicle purchase loan isn't considered in default until the account is 30-days past due, and the creditor can't repossess before that point.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax and XXXX 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 and Experians actions may also contravene the consumer financial protection act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax and XXXX complies with the federal law and provides consumers with the necessary proof of investigation. 

Accounts reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I woke up to find mistakes on my credit report, and Im in shock. I dont understand why this is happening. Ive always kept an eye on my credit report, and now, out of nowhere, there are discrepancies I cant explain. I refreshed the page, thinking it might just be a system error, but nothing changed. Please, I need someone to carefully review the documents Ive provided to make sure this nightmare doesnt happen again.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMENITY BANK IS REPORTING INACCURACIES ON MY CREDIT REPORT!!! The original issue I had with Comenity Bank is that months after selling my debt to a collection agency the account was still showing open with late payments. I disputed the account and they attempted to update after months of inaccurate reporting. Now it shows as a charge off debt that was written off as a charge off yet I have received no 1099-c from the IRS. 26 U.S. Code 6050P - Returns relating to the cancellation of indebtedness by certain entities. This is considered trust fraud. As the debt was supposedly written off in XX/XX/2022. The account was removed from XXXX but still listed on both XXXX and XXXX. I am demanding that Comenity Bank and all three credit bureaus remove this debt immediately or I will take further actions against them and their business practices.
Product: Debt collection

I requested that Transunion Consumer Solutions remove inaccurate XXXX names off my credit report. Also remove the collections which has the wrong XXXX names on my account : XXXX XXXX, XXXX, XXXX, also my old marriage name ( " the know as '' Also remove the credit debt charged off my account because it doesn't belong to me anyhow. All these accounts are inaccurate. I have contacted the XXXX credit bureaus by MAIL, their dispute website, and certified mail and I still see no results. They are clearly not adhering to the FCRA laws. Every time I try to get an application for credit for my business or personal. they say I have false and unmatched information on my reports. This is extremely frustrating. They are messing up my families life and business credit now. I need something done ASAP XX/XX/2024 and XXXX XXXX 2024 all sent certified on these dates. 
amounts included are XXXX. ) {$550.00} -- -- -- - XXXX. ) XXXX -- -- -- -- XXXX. ) XXXX -- -- - XXXX. ) {$81.00}
Product: Debt collection

Receivable management has started reporting a debt to my credit report that they have failed to notify me of. I got an alert today from XXXX that this account was reported.
Product: Debt collection

I 'm a victim of identity theft and someone opened up accounts in my name
Product: Credit reporting or other personal consumer reports

i am submitting a complaint about XXXX, XXXX, and experian. these credit agencies are improperly reporting information on my credit report. here is a list of accounts that are improperly listed on my account... 
XXXX XXXX balance {$6400.00} opened XX/XX/XXXX XXXX XXXX XXXXXXXX balance {$4900.00} opened XX/XX/XXXX XXXXXXXX XXXX balance {$23000.00} opened XX/XX/XXXXXXXX XXXX XXXX XXXX  balance {$150000.00} opened XX/XX/XXXX 15 usc 1681b states that you need written permission by me before you can add anything to my report. i never gave permission for this account to be on my report.. PL 90-321 ( 82 stat 146 ) is a law that backs the code and is even stricter than 15 usc =1681b.. 
you are also not allowed to add information that contains transactions.. 
15 USC 1681e also was created to provide more accuracy to these reports and they are violating this code as well. 
they failed to comply the first dispute so i am entitled to {$1000.00} per violation... i have about 10 items that are inaccurate so {$10000.00} seems fair to me for them ignoring my complaint and being willfully non compliant. every company agrees to this law before operating and are clearly breaking the law by not following it. 
they are also violating the Privacy act of 1974 i also never received a privacy notice before they furnished any info to my consumer credit report... 
i was also never provided with an opt out option ... 12 CFR 1016.7 confirms that there needs to be an opt out option. 

15 USC 6802 b states you must give me an opt out notice before anything is added to my report..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have information on my credit report that keep reappearing after it has been disputed and deleted. The first collection has been deleted twice and re-added and is not mines. The XXXX accounts are not charge off and was deleted from my report six month ago. I have XXXX for all these debts. 

1. XXXX XXXX {$54.00} - Not my mines account was deleted twice from report and just re-added. 
2. XXXX {$51000.00} - Paid Off 3. XXXX XXXX - {$10000.00}, have XXXX should be deleted from report. 
4. XXXX XXXX - {$7600.00}, have XXXX should be deleted from report. 
5. XXXX XXXX - {$1500.00} - Not my mines account was deleted twice from report and just re-added. 
6. XXXX XXXX XXXX - {$3000.00} - Not my mines account was deleted twice from report and just re-added. 
7. XXXX XXXX XXXX - {$27000.00} - account paid off. 
8. XXXX - {$31000.00} - account is paid off and was showing paid off last month in good standing. 

10. An address I never lived at was added. XXXX XXXX XXXX XXXX XXXX. This is not mines.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : XXXX Dispute Request Verification of Debt Dear XXXX, I am writing to formally request verification of an item appearing on my credit report under my rights granted by Section XXXX of the Fair Credit Reporting Act ( FCRA ). I recently reviewed my credit report and noticed an entry from Credit Collection Services for an alleged debt of {$400.00}, opened on XX/XX/XXXX, and last reported on XX/XX/XXXX. 

I am requesting full validation of this account, including : 1. A copy of the original signed contract or agreement that legally binds me to this debt.

2. The name and contact information of the original creditor.

3. A detailed itemization of the alleged debt, including the principal amount, interest, fees, and any payments made.

4. A full explanation of how this debt was calculated.

5. Proof that Credit Collection Services has the legal right to collect this debt.

6. Copies of any correspondence sent to me regarding this account. 

If you can not provide the requested documentation verifying this debt, I respectfully request that you remove this item from my credit report immediately. 

Please respond within the timeframe required by law. I look forward to your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX  shows up on my credit effecting my score dramatically when i never was associated with this account and they refuse to remove or provide information
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 


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: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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: Credit card

Hello my name is XXXX XXXX, I was issued this card two years ago. I am in college currently pursuing my XXXX XXXX. A year and a half ago i ran into some issues on making payments, i have contacted the company to resolve some issues with payments and they refused to assist. I am writing this report to tell my story about how i was treated by multiple agents at capital one. I have been a loyal customer since the card was issued. I am disgusted by the way capital one handled the situation. No negotiations was made including lowering fees, lower interest rate, lower monthly payments or postpone payments.
Product: Credit card

Bank of America is approving authorizations on my card even though I closed the account. They claim that as long as a merchant continues submitting recurring charges, they 'd approve it. I do n't know how this qualifies as " closing '' an account.
Product: Credit reporting or other personal consumer reports

Names Incorrect : XXXX, XXXX, XXXX NAME CORRECT : XXXX XXXX XXXX Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX XXXX XXXX XXXX  Account XXXX Please update the status of this account to " paid on time '' Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXXXXXX XXXX XXXX Account XXXX Please update the status of this account to " paid on time '' Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
Self/lead Account number : XXXX Please update the status of this account to " paid on time '' Unauthorized inquiry XXXX XXXX  XXXX Date XXXX XXXX XXXX!! 

Unauthorized inquiry XXXX XXXX XXXX XXXX XXXX Delete!! 

Unauthorized inquiry XXXX credit bureau Date of XXXX Delete!! 

Unauthorized inquiry XXXX auto finance Date of XXXX Delete!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 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 statues. Please remove the following accounts completely from my credit reports. ACCOUNTS : XXXX XXXX XXXX  and XXXX XXXX XXXX
Product: Bank account or service

On XXXX XXXX ( before XXXX ), I went to a US Bank Branch to deposit my severance check and was told it may take a bit longer to have the funds available to me because of the size of the check. I pretty much ignored that because I know that the size of the check does n't matter. Once the funds are cleared from the issuing bank I should receive my funds. Unbeknown to me, the Manager on duty had placed a hold on my account where I would n't receive my funds when they cleared but almost 12 days later. All he asked me was if this was a Loan check since it was from a Mortgage company. I said no, that it was my severance check and I had n't been paid for two months and needed the money. He did note that the account was an employee account ( XXXX ). He did n't look at our account history of XXXX years of impeccable performance or do any research that would show large transactions from time to time were normal. 
Three days after the deposit, I spoke with a former coworker who received his check at the same time and his funds were available to him. I continued to check my account to determine if the funds were available and they were n't. We were forced to take an advance on our reserve line so the checks we had written and would n't clear before XXXX XXXX ( plenty of time to allow the check to clear ). 
Finally I called the Customer Service department to learn that US Bank did indeed have the funds from my former employer but would n't give them to me because the Bank employee placed a hold on the funds. He did NOT provide any type of rationale for doing this nor could any other person determine why he would do that given our credit and history with the Bank? Basically, this allowed US Bank to steal from me since the money was in their possession, they were earning interest on it not me. My belief was he thought it would be 'fun ' for him to watch us suffer further pain and embarrassment since I 'd lost my job and needed the money to cover bills. 
This is totally unacceptable discretion for a person to have this authority and not have to justify why they would place a hold on someone else 's money!!
Product: Debt collection

Several times a day get calls from XXXX for someone whose name we do not recognize and who does not reside in our household. The caller is a recorded message and claims to be Truist bank and gives us a reference number to call them back. Seems to be a debt collection agency. We have no business with that bank and that bank isn't even in the part of Delaware where we live. So not sure why they keep calling. We did not want to call them back as we just want them to leave us alone. They seem to have the wrong number for whoever they are looking for. Sometimes they call several times a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX stated I opened an account with them on XX/XX/2017. i never opened an account with XXXX XXXX XXXX XXXX on XX/XX/2017. I have asked this company to provide signed application, copy of drivers license and they have refused to do so. This is identity theft and I want this fraudulent account removed from my credit file. I have also asked Equifax to remove this account and investigate this account and they refused to do so. Im not sure why Equifax is allowing a company to report a fraudulent account to my consumer credit file. Please send me copies of where I signed credit card receipts since XXXX XXXX XXXX XXXX is saying I owe { {$1700.00} }. The Fair Credit Reporting Act, 15 U.S.C. 1681 is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. Equifax is not following The Fair Credit Reporting Act and Iwant something done about this!!
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.