23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company has called relatives asking for my information pretending to be police officers. 

I requested they prove the debt is mine on XX/XX/2021 and they refuse to validate the debt. are reporting erroneous information to credit bureaus in an attempt to extort. 

Reporting different amounts to each, and harassing communication on the phone.
Product: Student loan

I am a hardworking  individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Product: Credit reporting or other personal consumer reports

The following accounts were fraudulently opened under my name : XXXX XXXX XXXX XXXX of {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 
XXXX XXXX XXXX amount of {$940.00} XXXX XXXX XXXX Collection Collection amount of {$1000.00} XXXX XXXX XXXX XXXX  Balance of {$550.00} DEPT OF ED/AIDVANTAGE - {$1800.00} DEPT OF ED/AIDVANTAGE - XXXX In accordance with my rights under federal law, I request the immediate removal of these accounts based on the provisions outlined in the following statutes : 15 U.S. Code 1692c This section addresses communication in connection with debt collection, particularly prohibiting communications regarding debts that have not been legitimately incurred by the consumer. 
15 U.S. Code 1602 ( p ) This section defines the terms related to consumer protection, specifying unauthorized transactions. 
15 U.S. Code 1601 This provides the basis for consumer credit protection and outlines the need for fair and accurate credit reporting. These laws exist to protect individuals like myself from fraudulent financial activity and to prevent the continued damage caused by unauthorized accounts. 
As I am a victim of identity theft, these accounts have been opened fraudulently, and I bear no responsibility for the debts or actions related to these accounts. I have already taken steps to report this identity theft to the appropriate authorities and agencies, including filing a police report and notifying the Federal Trade Commission ( FTC ). Copies of these documents can be provided if necessary. 

I kindly request that the CFPB facilitate the removal of these accounts from my credit report and ensure that these creditors and collection agencies cease all attempts to collect on these fraudulent debts. This situation has caused significant financial and emotional distress, and I hope for a swift resolution to restore my credit and peace of mind. 

Thank you for your time and assistance in this matter. Please feel free to contact me at XXXX ] or [ XXXX ] if you require any additional information or documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting two addresses on my credit report that I have never lived at or been associated with. I disputed these addresses on XX/XX/2017 with Transunion and have not received a response from this company. The addresses are listed below. I have never lived outside of Arkansas so this California address should not be reporting on my credit report. Please investigate these addresses and remove them from my credit report. 

1. XXXX XXXX XXXX XXXX, CA XXXX 2. XXXX XXXX XXXX XXXX, AR XXXX
Product: Checking or savings account

Capital One has ATMs located inside XXXX stores throughout the state. Since most bank branches near me have closed this is the most convenient option for depositing money into my account. On XX/XX/XXXX I went to ATM at XXXX  # XXXX located at XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX, and made a deposit of {$2500.00}. 

During the deposit, the machine begin to malfunction and make loud beeping sounds, there was an alert that says money can not take please collect the bill but I was only given {$20.00} back. At this time my card was still in the machine so I waited at the machine until the beeping stopped and attempted to get my card and money back. After about XXXX mins the machine finally released my card with no money. When I tried to speak with the XXXX of XXXX I was told she has nothing to do with the machine and to call the number listed. 

When I reached out to XXXX I was left on hold for XXXX mins before the representative answered and hung up on me. I attempted to call back XXXX more times to be prompted by a busy signal. I then reached out to my bank to file a complaint and have been met with nothing but hassle. 

I filed a claim but have not been refunded my money back. I make deposits at the same time every month for bills and there should have been more XXXX especially since there was an issue with CAPITAL ONE 's ATM. I attempted to speak with a customer service representative and was laughed at and told there was nothing they can do to assist me. Someone needs to hold them accountable for not conducting proper maintenance on these machines
Product: Credit card or prepaid card

I had to cancel a XXXX vacation vacation I booked XXXX with XXXX, XXXX in due to the coronavirus shutdown. XXXX updated their cancellation policy on or about the XXXX of XXXX to allow for full refunds. I cancelled on the XXXX thru their website and have screenshots of the process. The confirmation screen confirmed my cancellation and noted that an email would follow in several days time. After not seeing a refund from XXXX after a week, I called their support number and was hung up on, and emailed their support team. The support team denied receiving my cancellation, and demanded proof, which I immediately provided. At that point XXXX ceased communication and I was forced to open a dispute with Chase Credit card. I opened a credit card chargeback, and my credit card company shared with me a fraudulent email from XXXX that claimed I never sent proof of my cancellation, when in fact XXXX was the party that had halted communication with me after proof was provided. I provided screenshots of my email exchanges and screenshots of the cancellation process and success notifications from XXXX from the XXXX of XXXX to the credit card company to disprove XXXX 's fraudulent claim. Chase has ignored my documentation and proof, reversed my dispute and submitted negative feedback to the credit reporting agencies, immediatley lowering my credit score. I do note that JPMorgan/Chase seems to be an investor in XXXX, XXXX and was part of their series C funding in XX/XX/2019 ...
Product: Vehicle loan or lease

I am XXXX XXXX XXXX, within a provisional state however they are not willing to give me the SCRA benefits. Since I am eligiblefor SCRA. With my tax state being Ohio, I am a provisional state which I qualify for. Attached is my XXXX  that show Ohio as my tax state, XXXX Individuals Covered by the SCRA Members of the XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX on XXXX XXXX SCRA protections extend to servicemembers  ' dependents, which generally include spouses, children, or any other individuals for whom the servicemember  provided more than one-half of the individuals ' support for 180 days immediately preceding application for relief under the Act. ( including XXXX ordered to XXXX XXXX ). Ohio extends SCRA benefits for debt incurred WHILE XXXX XXXX. This means that any debt incurred after enlistment is subject to the 6 % interest cap. Below is the reference : 7.1. Interest Rate Cap To help ease financial burdens created by XXXX XXXX service, Section 527 of the SCRA extends the 6 % interest cap on all debts, not just those incurred prior to XXXX XXXX. including debts, not just those incurred prior to XXXX XXXX. creditor must forgive - not defer - interest greater than six percent per year. See 50 U.S.C. {$3900.00} ( a ) ( 2 ). The creditor must forgive this interest retroactively. See id. at XXXX  ( a ) ( 1 ) & ( b ) ( 2 ). The creditor is also prohibited from accelerating the payment of principal in response to a properly made request for a six percent interest rate cap. Id. at {$3900.00} ( a ) ( 3 ). ''
Product: Credit reporting or other personal consumer reports

Dispute of Fraudulent Hard Inquiries - Request for Removal under FCRA XXXX XXXX Subject : Disputed Inquiry on Consumer Report I hope this message finds you well. I am writing to bring to your attention an issue I have discovered while reviewing my consumer reports. Upon inspection, I noticed an inquiry on an account that I have never associated with or initiated. 
This inquiry appears to be a mistake and is impacting my credit report unfairly. Despite my efforts to rectify this directly with the credit reporting agencies, I have not received any resolution. 
Enclosed with this correspondence, you will find detailed documentation supporting my claim, including copies of my consumer reports highlighting the erroneous inquiry. 
I kindly request the assistance of the CFPB in investigating and resolving this matter promptly. Your intervention in correcting this mistake would be greatly appreciated. 
Thank you for your attention to this issue. I look forward to your prompt response and assistance in rectifying this situation.
Product: Debt collection

Company called Client Sevices consent keeps calling my work. I don't know them at all.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, it's necessary for us to eliminate any inaccurate accounts from my credit report. Could you review the documents? Several of the accounts listed contain inaccurate information. I am entitled to receive {$1000.00} for each inaccurately reported item on my credit file.
Product: Credit card or prepaid card

I responded to a promotional balance transfer offer for a 0 % APR on two different transactions for a total of {$9100.00} and paid the balance transfer fee. Prior to this balance transfer, my payment type was set at an auto payment for statement balance. I did not remember to change the auto payment to minimum payment since the 0 % APR allows minimum payment without any interest for the promotional period. So the payment for the new balance from the balance transfer was returned because of insufficient fund, which when I realized the error, I called the back to explain and then changed auto payment to minimum payment. To my shock, after explaining to the bank what happened, they went ahead and cancelled the balance transfer promo, and are now charging me interest of 26 % APR on the balance. I first saw this on my XXXX  2022 monthly statement, and I called them to rectify the issue to return the balance type to balance transfer and not purchase. They refused to do so and are insisting on charging me 26 % APR. This is total cruelty from these credit card companies and I am filing this complaint to show what we suffer in the hands of these institutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A states I have the right to privacy. In 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.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I applied online for the Citibank AA credit card that offered ( 1 ) 50,00 Bonus Points if you spend {$2500.00} in the first 3 months of opening the account and ( 2 ) waving the {$99.00} Annual Fee for the first 12 months. I applied for the credit online and was approved. When I received the credit card in the mail, it was the wrong one. I received the XXXX XXXX XXXX and not the Platinum Select MasterCard. I must have applied for the wrong card. I called Citibank as soon as I received the card and the associate helped me switch over to the the correct credit card. I confirmed on the call that I would still receive the bonus miles and the waiver of the annual fee and he confirmed I would. I called Citibank today ( XX/XX/year> ) and was told that the information the associate provided me was incorrect. The bonus miles and annual fee waiver was for new accounts only and this was considered a change in product and a not a new account even though it was a new account. I would like the offer I was original promised to be placed on my account which is the 50,000 Bonus Miles upon spending {$2500.00} in the first 3 months of opening the account and the {$99.00} Annual Fee credited back to my account that was charged.
Product: Credit reporting or other personal consumer reports

Notice of pending litigation seeking relief & Monetary Compensation under FCRA 15 US CODE 1681n Civil liability for willful Noncompliance. due to the FAMILY PRIVACY ACT OF 1974, ( FERPA or the Buckley Amendment ) is a United States federal law that governs the access to educational information and records by public entities such as potential employers, publicly funded educational institutions, and foreign governments.THIS IS A DIRECT VILOATION OF MY RIGHTS. {$5000.00} RELIEF FROM EACH REPORTING AGENCY
Product: Debt collection

On XX/XX/18 at XXXX XXXX, I received a voicemail call stating the following ; Good morning this is XXXX XXXX from the compliance and processing division with asset (? ) XXXX. We are trying to locate and notify my ( first middle last name ) in reference to fraudulent activity that has taken place being associated with your social security number ending in XXXX. Associates in the legal department here has received the legal authorization to process this case against Ms. ( last name ). Case number XXXX into XXXX County District Courts. Ms ( last name ) once this case is charged, all legal rights will be forfeited. Service and process will be completed at a verified home address and/or place of employment and you will be due to appear for the matter. If you would like to have this case dismissed, you will need to contact the legal department immediately at XXXX ext XXXX. ( first middle last name ) you have officially been notified good luck to you. 

She also called a a third party ( friend of mine ) without my consent, stating the same. Using yet another phone number different from the ones they called me from. Im unsure how they even have her contact info. Afraid that this has happened she called me in a panic to ensure I was aware. I had my attorney contact them moments afterwards. He learned its actually a debt collector regarding a debt of mine. He asked that they not call back and would consult with me regarding it. On Friday XXXX called me again from yet another phone number different than the first and was very rude and obscene. When I asked did they speak with my attorney she became much louder and obscene with me. I asked that they contact him as Im sure he advised if they had anything to provide for me. She got louder, I asked if she was familiar with how the FDCPA worked, she said yes, and I informed she should know that the lies they left on my voicemail and my friends, are wrong and against the policy. Not once did she state they were a debt collector, but there was fraudulent activity on my credit according to the last four digits and my entire government name, and that they were not to contact me again. I then hung up. Two more times after that I received phone calls from another Michigan number that I did not answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I was send the letter to Trans Union to dispute all mine credit report. 
Now am still not response from trans union at all. 
I am call in trans union ask the customer service to explain to me, they will delete everything from mine credit but now still not delete. 
Trans union have not following by law.
Product: Credit card or prepaid card

XX/XX/19 - A charge for {$11.00} instead appeared as {$110.00} on my credit card statement. 
XX/XX/19 - I filed a dispute expecting a quick resolution especially after providing them the receipt showing the actual charged amount. They refused to correct it. 
XX/XX/19 - I contacted the vendor who immediately refunded the {$99.00} overcharge and sent me verification. Wells Fargo never posted the refund. 
XX/XX/19 - Extremely unpleasant conversation with supervisor XXXX who appears to think feels that Wells Fargo can not be held accountable. It was the worst customer service experience I've ever experienced with any bank. 
XX/XX/19 - I sent them the vendor 's verification and they instead added an ADDITIONAL {$99.00}. It has been months and this is still unresolved.
Product: Credit card or prepaid card

XX/XX/2023 ComenityCapitalXXXX, XXXX XXXX XXXX, XXXX, OH XXXX, obtained a copy of my XXXX Credit Report fraudulently as I did not request any credit with this bank. 
XX/XX/2023 a new bank credit card reported to XXXX Credit File by ComenityCapitalXXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2023 ComenityCapital/XXXXXXXX obtained a credit report from XXXX, fraudulently as I did not request any credit be established by this bank/or company. 
XX/XX/2023 XXXX XXXX XXXXXXXX Bank submitted an inquiry for credit report with XXXX, again fraudulently as I have not requested any credit with XXXX 
My credit report and information is now frozen on all three credit reporting agencies. I have filed a fraud/identity theft report with the FTC Federal Trade Commission on XX/XX/2023
Product: Credit reporting or other personal consumer reports

I am submitting this complaint because I notice inquires on my Chex Systems report I do not recognize. I will like these inquires to be investigated and removed if they can not be validated. I disputed these inquires and received a letter saying these inquiries were verified, however no documents or information was provided to show validation. 

The Inquires are as follows : -XXXX XXXX XXXX XXXX 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: Checking or savings account

the first day i activated my card for a newly opened bank they put a fraud notice on my account, after i verified every question asked they still said my account is under investigation. i am not being told why and everyday theyre telling me i have to wait another 24 hours. this is absolutely the worst bank ive ever banked with and definitely would not recommend to anyone!
Product: Credit reporting or other personal consumer reports

Please remove and delete these accounts immediately as they were opened fraudulently without authorization and a valid written consent. I never had a contract with these creditors for any debt. Please provide me proof from the creditors that these debts are mine with the Contractual Agreement. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank You in Advance for your Cooperation.
Product: Student loan

Since May of this year, I've called AES about 8 times to prepare for a new repayment schedule that would begin after my Income Based Repayment Plan (IBR) would end (XX/XX/2019). The rep on that call gave me information and quotes on what different repayment options would be once the IBR ended. The rep provided instructions on how to move forward so that I would have a seamless transition to the new repayment schedule. I followed instruction and when I called back was told that I was given incorrect information. This pattern repeated for the subsequent 5 or so phone calls, all of which are/were recorded. After going back and forth for months, I received new repayment schedule options. I called back and accepted a specific option in which the rep agreed and confirmed terms. In order to make sure the correct amount is to be billed in setting up automatic payments, I saw that the repayment amount is ~$XXXX/month more than what I was shown in writing and agreed to over the phone with a rep that operates under authority from AES. This is breach of contract and the most egregious form of deceptive business practices. AES's intent is to defraud borrowers or their employees are so incompetent and negligent in their duties that AES has critical systemic failures at every level. I've tried to resolve this issue multiple times asking to speak with someone in a supervisory position to review the calls and call me to discuss. My intent is to repay my loan, but to do so within my rights and not be the victim of fraud. No one has called me back to date. AES's process is for a rep when asked to be transferred to a supervisor, to say okay and then transfer the caller to a senior rep, then the senior rep when asked to transfer the caller to a supervisor says okay and transfers the caller to a department lead. Systemic failures across the board. My next step is a lawsuit which will include a claim for punitive damages. The abuses are extreme. I've given AES multiple opportunities to rectify the issue amicably and they refuse to comply. I hope the CFPB can compel a response by someone that listens to all the calls and has the information, knowledge and capacity to resolve the issue to get on the agreed upon repayment schedule. If not, the matter will proceed to court. I suspect that I am not the only one that AES is trying to exploit.
Product: Credit reporting or other personal consumer reports

I am writing this complaint for the second time. I contacted your organization a dispute last XX/XX/year>, in which I explicitly stated the accounts that were fraudulent and in question ; yet, there are still accounts on my credit report that should be removed.
Product: Debt collection

Ray Klein dba Professional Credit Service filed lawsuit in the XXXX XXXX of the State of Oregon for the County of XXXX case # XXXX for medical debts at XXXX XXXX XXXX in XXXX XXXX, OR for emergency room services performed on dates between XX/XX/XXXX and XX/XX/XXXX all of which was well beyond the State of Oregon XXXX year statute of limitation on debt collection. Also claimed principal in the amount of {$4700.00} and interest at 18 % per annum ( double the Oregon allowed 9 % ) totalling {$12000.00} for a total of {$17000.00}. This amount was utilized in the lawsuit to also put the total claim out of the range of small claims court to civil court when the plaintiff was further suing for collectable debt totalling {$2400.00} ( {$1.00} short of the {$2500.00} threshold to be civil versus small claims ). They are knowingly attempting to collect on too old debt, and utilizing that debt to move the case to a higher court that requires higher filing fees for defendant response. They also knowingly provided in the served copy of the suit incorrect filing instructions directing me to the XXXX XXXX XXXX XXXX. They also knowingly included instructions for response to a small claim when they filed in civil court.