23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This account was set up for a business in which I was the XXXX of back in XX/XX/XXXX. We set up tp sell XXXX XXXX security. The account was for the business, not for a personal use, and I was never making any payments regarding this account. The only way that I know it having any of my information was saying I was the person to contact if there was a breach at our business, ( as this was a security system ) It  was all taken care of within the business. The following year, XX/XX/XXXX I quit my management position at this job, and parted ways with the business. Later that year, I had received calls regarding this account, and I advised the collectors that this account was not mine, and I was not in charge of payments or anything regarding the account. They continued to harass me throughout the rest of XX/XX/XXXX into XX/XX/XXXX when the debt was purchased by Perfection Collections. I advised to them when they had called to me that I again, was not the person to call regarding this account, and that I would get them the information regarding the business owners, and their responsibility to the payments within the account. They told me that I was not telling the truth, and I told them to please stop contacting me. I called my local police department on some assistance, they advised me that I shouldn't worry about it, since it wasn't my account. I waited and now I am trying to purchase a home, and my credit as been hit because of this issue. I submitted a dispute with XX/XX/XXXX twice now, and they are not changing this, and when I call the collections agency, they tell me that they will not accept this and I need to pay on the account. I feel cornered and that no one will help me.
Product: Checking or savings account

In XX/XX/2018 my ex-wife was scammed by an individual who deposited fraudulent cashiers checks to her accounts. One of these account was our only remaining joint account, our 18 month old daughter 's youth savings account. USAA wrongfully took funds from my savings and checking totalling {$3600.00} and applied these to my ex-wife 's defrauded accounts as a " right to offset ''. Upon further investigation and over 4 hours of total phone time between my ex-wife and myself, USAA admitted to their error and promised the funds applied to my ex-wife 's account would be put back in my accounts. It has been a week now and three phone calls later and I have yet to receive an update or response to this.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed unauthorized accounts and hard inquires that I do not recognize.

I never gave a written consent to report accounts that are identity theft.

I have asked for Method of Verification or signed documents with my signature on it from all credit bureaus after the dispute results stated that the account verified it belong to me. It has been past 30days and they have failed to provide method of verification that debt belongs to me.

15 U.S. C CODE1681 ( b ) and 1681c-2 I have attached my FTC report with my ID and address verification, stating these accounts were open by fraud and made a police report as well.
Product: Credit reporting or other personal consumer reports

What Happened : My name is XXXX XXXX XXXX, and I reside at XXXX Sunrise XXXX XXXX XXXX # XXXX, Sunrise, FL XXXX. My date of birth is XX/XX/XXXX, and my Social Security XXXX is XXXX. I signed up with IdentityIQ to access my up-to-date three-bureau credit report, which includes reports from Equifax, XXXX, and XXXX XXXX However, I am unable to access my Equifax credit report due to an issue on XXXX end. The XXXX and XXXX reports are functioning correctly through IdentityIQ, but XXXX portion is not working. I contacted IdentityIQ customer service to resolve this, and they informed me that the problem lies with Equifax and that Equifax needs to fix it on their end. I also attempted to contact Equifax directly by phone to address this issue, but I encountered extremely excessive wait times and was hung up on three separate times, preventing me from getting any assistance. There is no freeze or fraud alert on my profile that would explain this issue. As of XX/XX/XXXX, I still can not access my Equifax credit report, despite needing it urgently to monitor my credit and address any potential issues. This lack of access, combined with XXXX poor customer service, is preventing me from fully utilizing the service I paid for and is hindering my ability to manage my financial health.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received a notice that the credit limit on my Capital One Spark credit card was being decreased from {$22000.00} to {$10000.00} because I wasn't spending 50 % of my credit limit over the last 12-24 months. I contacted the credit card company on XX/XX/XXXX and was told nothing could change. I've had this card since XXXX and I've never spent 50 % of my credit limit. I've never run a balance month-to-month in the entire time I've had this card. I use this card predominantly for business travel and business purchases and actually the spending trends in the last 12-24 months don't vary significantly from extended previous periods in my business when travel was lower ( and at those points nothing was changed on credit limits ). When I travel multinationally, I like to have a higher credit limit because at those times airfare expenses combined with temp credit holds at hotels can go into the five figure range. I am a XXXX XXXX with a XXXX XXXX XXXX ( so my annual revenues are reported through the TX SOS site and I have a XXXX XXXX XXXX number -- in short revenue trends are available for Capital One to see ). Last year was one of my strongest years and my revenues this year are on par with last year in spite of COVID. I have a credit score above 800 -- usually between 820-835. I'm wealthier than when the original credit limit was assigned ( by about 3X net worth ). There have been no late payments on any bill I owe. My income is high enough that I didn't qualify for the CARES Act stimulus check. Basically, my financial risk as a customer has steadily dropped over the time I've had this card because of consistent fiscally responsible behavior and a resilient business model. No other credit cards have dropped my limit. The one thing that has changed over the last 12-24 months is that I entered my XXXXs. In fact, I turned XXXX just about 25 months ago. So, I honestly believe this drop in credit limit has nothing to do with my spending patterns, and a lot to do with the fact that someone has decided that business owners in their XXXX don't deserve the same access to credit that younger business owners do. Supposedly Capital One is reviewing all spending patterns right now. It would be interesting to see if folks over 60 are disproportionally seeing their credit limits dropped.
Product: Credit reporting or other personal consumer reports

Never lived at this address : XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX incorrect date of residence : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ( correct date XX/XX/XXXX - XX/XX/XXXX ) Incorrect date of residence : XXXX XXXX XXXX XXXX, TX XXXX ( XX/XX/XXXX - XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on 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
Product: Credit reporting or other personal consumer reports

WHILE REVIEWING MY CREDIT REPORT, I OBSERVED SEVERAL UANAUTHORIZED INQUIRES. I DID NOT PROVIDE CONSENT FOR ANY OF THE LISTED COMPANIES TO CONDUCT INQUIRES ON MY BEHALF.
Product: Credit reporting, credit repair services, or other personal consumer reports

On numerous occasions, I have mailed several correspondence to remove the account named XXXX XXXX XXXX acct # XXXX. I never received any results. Furthermore, I received correspondence from XXXX stating that the trade line would be removed and also forwarded it to all CRA. It has been 5 months and this account is still falsely reporting on my credit. The latest false report is 2 new 90 day late payments on Equifax. How is this possible for an account that should not be on my credit report?

It is your job under ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) to properly address these mishaps. All investigations have either exceeded 30 days or not conducted at all. This is extremely frustrating as you alone are causing me great stress and emotional instability. Due to the lack of response to my letters I am forced to make a formal complain on the CFPB for violations of the federal statutes that I can pursue retribution for and thus result in numerous fines to your agency. This account has no place on my credit report. If needed I can provide documentation that this should not be on my reports. However, I ask that you correct the error on your part and remove the account entirely.
Product: Debt or credit management

Credit report agencies Trans Union XXXX XXXX Bankruptcy filing in error back in XXXX, never saw the light of day. 

All three agencies claim to have received verifications of public records from their correspondence with the bankruptcy court. 

I have called the bankruptcy court and was informed they " DO NOT '' report to credit agencies. I have asked to have that in writing and now have in my possession a letter from the Federal Bankruptcy XXXX XXXX XXXX XXXX Florida, clearly stating that what all three credit reporting agencies are claiming their correspondence with Court is a fabrication.
Product: Credit reporting or other personal consumer reports

XXXX  agreed to remove the late payments from a complaint I submitted through the consumer, financial protection bureau and they never did. I disputed the information after the alotted time passed and XXXX  did not remove the late payments.
Product: Credit card or prepaid card

I got a secured credit card from first progress I tried to make a payment Over the telephone and they would not take my bank card they wanted my routing number And account number and I did not want to give them my bank formation So they would not take my payment and they turned it on my credit report I asked them to take it off of my report because I paid the card off and close the account and they still wont take it off I dont understand what difference it made whether I pay them with my bank card I dont understand why I had to give them my account number and routing number I want that off my credit report please and thank you for your time
Product: Credit card or prepaid card

I have been sent numerous emails from credit karma saying I am pre-approved for a credit card but when I apply I am denied and there are hard inquiries from the credit check
Product: Debt collection

Midland Funding, LLC failed to contact me in writing prior to reporting debt collection to the three credit bureaus. I contacted the company in writing letting them know not to report to the credit agencies because the alleged debt is in dispute. Also, Midland Funding, LLC has yet to verify the debt and provide the information that I requested about the debt.
Product: Payday loan, title loan, or personal loan

We looked at my XXXX  account and found that someone using my name and social security number had taken out a loan through Mariner Finance around XX/XX/20 or XXXX of this year in the amount of {$3100.00}. I called Mariner Finance, XXXX  to alert them of fraud and connected me to the fraud department. They asked me to fill this out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get the following accounts removed from my credit report. I sent a certified letter requesting specific information on XX/XX/XXXX.
Product: Mortgage

I was selling my home and Wells Fargo without my knowledge did a foreclosure on my home without notification. My agent was surprised that they sold the house.
Product: Credit card or prepaid card

I am attempting to close a credit card account with the Bank of America on behalf of my elderly mother for whom I have power of attorney. I have not received clear information despite contacting both the customer service number and a local bank branch. The instructions request a power of attorney document with signatures of the Attorney-in-Fact. However, the Attorney-in-Fact is me, and yet I do not sign my mother 's power of attorney ; I am simply named. The process has taken long enough that they have now billed her {$75.00} for her annual fee. I am sending a notarized power of attorney to the Bank of America and requesting the annual fee be removed as we are in the process of closing this account. 

While at this time I am waiting to see if what I have provided will work, I did want to register this with a consumer protection group. Communication from the Bank of America provides no contact number and requests information that can not be provided in a language that can not be understood. I even went so far as to send a copy of it to my attorney and even she did not understand what they were requesting. 

My issue with Bank of America at this point is the lack of service and clarity for its customers. The process I am going through often happens in times of stress and sadness. And while families are trying to deal with an issue, a credit card hangs open for use or fraud, and services charges are applied. I am also taking this action because attempts to work with the Bank of America have been unsuccessful up to this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

The coronavirus pandemic has been a mental and physical drain for the globe. During this global crisis, many consumers faced the added stress of dealing with financial services companies that didn't always follow the rules or were slow to move when the federal government attempted to relieve the economic effects consumers were experiencing. 
I am a victim of the above challenge. There is a credit report inaccuracy on my credit from XX/XX/2020 issued by XXXX XXXX. There is a dissonance between the laws introduced to help consumers during the Pandemic and how XXXX XXXX reported my suspended payments to the credit bureaus in XX/XX/2020. I have attempted several times to contact XXXX XXXX directly regarding this inaccuracy with no success. I am left to deal with the error now on my own despite guidelines that were enacted to protect consumers from negative credit implications during the Pandemic. 
At the beginning of 2020, I lost my job due to the Pandemic. My company was a XXXX company that was based out of XXXX, so the economic impacts of the Pandemic hit our company sooner than it did XXXX organizations. When this occurred, I called all my creditors to ask for adjustments in payments until there was clarity around what would be next. When I spoke with XXXX XXXX, they said they would suspend my minimum payment, and I would have to call them each month to verify if I still needed this accommodation. They stated I would have no late fees, nor would there be any negative impact to my credit report due to this adjustment on their behalf. They assured me that as a result of the Cares Act and XXXX XXXX making accommodations for consumers that needed it, I would not experience anything adverse. 
I did as they instructed until I was able to resume payments. Once I was able to continue payments, I called them and went back to our regular payment schedule. Upon pulling my credit report at the very end of 2020, I noticed that I had a 30 day late in XXXX of 2020 from XXXX XXXX that appeared on my credit. This late appeared after the time in which I called XXXX XXXX and explained to them that I would not be able to make payments. And that this was accurate, as they assured me as a result of the Pandemic, they were making accommodations for consumers that needed it, who were impacted by COVID-19, that I would not have any late charges or any impacts to my credit report. I called XXXX XXXX and explained to them that this error was on appearing on my credit report, at which point they said they were unwilling to adjust the information on the report. I'm writing in hopes that someone will do a thorough investigation regarding this inaccuracy, as this is a violation of my consumer rights. I was told I would have no implications on my credit report due to the Pandemic, but this is not the case with XXXX XXXX.
Product: Debt collection

I am a victim of identity theft. Ive file a previous police report and a current FTC report in which I was trying to upload but was blocked from doing so. Please verify 100 % that these accounts are mines if not I need them taking off my credit report. As a verified victim of identity theft and fraud I need the following accounts attached with this reported Be investigated. Also According to the FCRA 605B ( 15 U.S.C. 1681c-2 ) it is illegal to report anything in my credit report without my permission, Please remove all negative items listed in the attachment below
Product: Debt collection

A collection by the name of National Credit XXXX is being reported on my credit report and it seems to be the result of fraud. I have contacted the company directly and they have share they are collecting on behalf of XXXX XXXX. I shared with the agent this account does not belong to me and it's may be the result of fraud. I requested a copy of the contract to file a police report but none was given. I have also disputed the collection several times with the credit bureau and they still remain listed as verified and accurate. I have place a freeze on my credit report to prevent further fraud opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX & XXXX Account # XXXX have 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card or prepaid card

Capital One Bank has been 3 months on changing my payment date and every time I call since XXXX it's been one run around after run around with request of payment change of date. Capital One Bank every time I call they claim that the request was just put in. Change my request in XXXX every time it's the same old story as it's games with capital one bank.
Product: Student loan

We are going through XXXX XXXX XXXX to help us with our high interest credit cards and the private Navient loan we took out for my husband 's school over 15 years ago. 

We lived in XXXX  when taking out the loan, but have since relocated to XXXX  XXXX. Navient first called me and had our XXXX address on file, so I updated it to our address in XXXX. They were then informed by both me and my husband that we would not be making a payment at that time since we were doing XXXX. 

Since then, they call us both every morning between XXXX and XXXX. We have both told them that we live on the XXXX XXXX and to not call us before XXXX PST, but they ignore us and continue to do so. They also call XXXX times a day to each of us ( for a total of XXXX calls a day for the household ). 

We just want them to stop calling us so early. Asking them not to call us so early has not worked at all.
Product: Debt collection

No information has been verified connecting me to these illegal accounts that XXXX XXXX has false open. I Have not signed or offer any social security number has been verified or provide.
Product: Checking or savings account

While depositing our business cash deposit at the XXXX XXXX WA location ATM the power went out. We spoke with customer service and they said they would balance the totals and report what the actual deposit was and credit us the exact amount. they then said in the meantime they would like an estimate so they could credit our account temporarily. I specifically requested to not get the credit as it would be more headaches to account for this. Ultimately I spit out an arbitrary total with the disclaimer that its likely incorrect. They credited us that amount of {$4000.00}. I reached back out a few months later only to be told that number is the number I get, so I let them know it was CLOSER to {$8000.00} after a brief review and would report the true expected deposit to my business banker. This total included some change as I provided the complete expected total {$8800.00} as opposed to the to actual which we would have retained the coins. They then said our request to adjust is denied due to the inclusion of cents. Their customer service has been rude, condescending, and unable to follow simple instructions along with the fact that they are sitting on thousands of unearned dollars and will not provide a resolution even after following their direct instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion refuses the monthly statements from my Mortgage Company XXXX XXXX XXXX