23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Have tried to opt out/freeze consumer data with all of these second and third party consumer reporting companies dating back to XXXX XX/XX/year> to present, but nothing has been resolved, these companies have been selling my data without my consent and I have already told them to stop, but they continue to sale my data to the three major reporting credit bureaus without my consent and this data has been incorrect on my three credit reports since XXXX XX/XX/year> to present, these data consumer companies will be listed on the second part of my complaint.
Product: Credit reporting or other personal consumer reports

Applied as a guarantor to application. Received notice for a one time access pin from Experian to complete check. Experian site states you can 'Grant a creditor one-time access : '. https : //www.experian.com/blogs/insights/lift-experian-credit-freeze/ No such option found in website. Chat bot was not able to find such an option. Called main customer service line at XXXX XXXX XXXX XXXX. No option to speak to an agent. Called dispute line at XXXX XXXX XXXX. Transferred me to automated service which would not allow me to speak to an agent and could not resolve my issue. Called multiple times with multiple transfer and was not able to speak to someone who could resolve my issue.
Product: Debt collection

HELLO MY NAME IS XXXX XXXX AND THIS IS MY SECOND ATTEMPT ON TRYING TO RESOLVE THIS MATTER WITH MIDLAND CREDIT MANAGEMENT. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.
Product: Debt collection

Outsource Receivables Management, XXXX XXXX, & XXXX XXXX XXXX. Attempted to begin proceedings in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the State of Utah regarding claiming that the amount of XXXX was due from a XXXX that resulted in the XXXX of the defendant. At the bottom of the summons it states clearly that This communication is from a debt collector. If you wish to resolve this matter, please call Legal department at Outsource at XXXX or XXXX. [ illegible copy ] the fact the attempt to collect, report, and harass a debtor for a medical debt that resulted in the pain, anguish, and XXXX of the defendant is not only unethical from a business aspect, but also an unethical practice for any medical professional. Although the referral of the debt may not raise to an initial violation from its face the fact that a debt collection company for a medical debt has ignored the new law passed by congress does.The No Surprises Act was passed and a bulletin was in itself published for companies like Outsource Receivables Management to clearly inform themselves on the new laws regarding medical debt collection as of XX/XX/2022, but unfortunately the company has failed to update their practices business practices and not only remain morally corrupt, but currently stand to be in violation of federal law. Legal action including a federal jury trial are currently being pursued on the companies complaint.
Product: Credit card or prepaid card

XX/XX/21 : Electronic transfer of {$1900.00} to a closed Dick 's card account managed by Synchrony. This was my mistake, I meant to pay XXXX. This is a lot of money for me, I need it. 

XX/XX/21 : Called Synchrony and had an extended phone conversation where we established that they could not help me at that number, I would need to contact " Payment Issues Department '' by fax, as they would not give out any email, or phone number for that department. 

XX/XX/21 : A fax explaining what had happened with all requested identifying information was sent to the fax number as requested. 

XX/XX/21 : As of now we have received no response of any type from this fax. 

It appears to me that they have my {$1900.00}, and are trying not to pay it back promptly, even though I have made every effort to communication clearly, and they were able to find the closed account in the computer.
Product: Credit card or prepaid card

I received an alert on my phone questioning a transaction. I called customer service at NetSpend and stated I did not authorize the charges. 
This triggered and instant response of the card being marked lost/stolen and shut off the card. Suddenly I had no card to pay my current bills and the funds were trapped in that account. 
After about 6 hours of unsuccessful calls to customer service there was no solution to paying my car loan and insurance on time. 

Then to add insult to injury even though the card had been blocked at around XXXX on the XX/XX/XXXX they posted additional charges to my account through that blocked card at XXXX XXXX  that night. 
All the activity discussed exists on my Netspend account on XX/XX/XXXX through XXXX 2021, the account alerts show other attempts also that failed to get through.
Product: Credit reporting or other personal consumer reports

Someone got ahold of my information years ago and I reported identity theft years ago. I have inquires on my report that I did not authorize. They are as followed XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Citibank NA, BEST BUY  XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX Back in XXXX I signed up for 2 loans that had a promo period before interest was charged. I set up the amounts to auto pay and have both loans paid off before the promo ended XXXX XXXX noticed suspicious activity on my debit card and had to get a new one. Many payments on the card were under investigation by my bank A few weeks later I called Patient Fi to confirm all my payments were good - so if there were any issues I could rectify the situation. The agent assured me all the payments were okay and there were no issues. I asked if they could send me something if that changes. 
XXXX XXXX noticed the payment amount had changed. Between XXXX and XX/XX/XXXX I have reached out to patient Fi about 4-5 times about getting this fixed. 
Was charged over {$500.00} of interest on one account and they are attempting to charge close to {$400.00} on the other account. 
Submitted the payment to pay off the principle amount on both accounts- the one I paid over {$500.00} on interest was accepted but the other was not. I called and they said it was accepted and the payment was fine. 
Spoke to an agent today XX/XX/XXXX who informed me that all the tickets submitted over a month ago about getting the situation fixed were submitted incorrectly. 

This has been an ongoing issue that I have reached out numerous times to rectify and no one at the company seems to know what theyre doing and has handled the situation completely wrong. Their staff is the reason I have been over charged and over paid and it has been over a month and there has been no updates on this they can give me.
Product: Debt collection

I have a collection on my credit report for Consumer Adjustment Co for {$490.00}. However, I have not received a written notification of this debt. I've contacted the original creditor that's on the report, XXXX XXXX XXXX XXXX XXXX, and they have not heard of Consumer Adjustment Co. This appears to be fraudulent, and I want this removed from all 3 credit bureaus immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX =========================== UNAUTHORIZED INQUIRIES PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 usc 1681 section 602, states I have the right to privacy. 15 usc 1681 section 604 ( a ) section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666 ( b ) a creditor may not treat a payment on a account under an open and consumer credit plan as late for any purpose. On XXXX Credit XXXX account # XXXX Late payments reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

They freeze my account for suspicious activity over things that are regular purchases then tell me they cant verify me via my phone number which I used to open the account. Once I confirm I make the purchase they will AGAIN lock my card for suspicious activity for using it in the same place this has happened 2 times in the past week. Ive asked for information or if theres another way other than them freezing my ability to use my own money they give me no answers other than its for my protection when all it does is cause me huge issues and embarrassment to have my card declined with no notice only to check emails and see they flagged me again.
Product: Debt collection

Westlake Service INC reported me as a joint signer on an auto loan which was reported as opened on XXXX/2020. The loan amount reflects XXXX with a scheduled payment of {$420.00} this loan does not belong to me nor have I co signed on any loan.
Product: Debt collection

Received a debt letter. XXXX uploaded below. 
Called XXXX directly who said I do NOT owe them anything!
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The open dates for are not accurate and the account numbers are invalid. Asterisks, never represents or corresponds to approproate account informations. Its been more than 6 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. 

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting to delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below.I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.
Product: Credit reporting

I was denied credit based on inaccurate information on my credit report. Collectech Diversified has collection report on XXXX and XXXX credit reports.
Product: Checking or savings account

On or around XX/XX/2023 I purchased two items from XXXX. When I realized I ordered the wrong items I contacted XXXX the next day. They contacted me several days later to tell me I can not cancel. So I contacted Citi bank to dispute the charge of {$62.00}. 

Citibank refuse to authorize the dispute. I did authorize the charge but I have the right to cancel. I want my money back.
Product: Debt collection

this is a check that i wrote to kohls store it was not paid later i filed bankruptys and included the check for XXXX in it. but kohls is still reporting this ckeck as owed to XXXX XXXX.
Product: Debt collection

On XX/XX/XXXX I disputed the the debt attempted to being collected. I have mailed out a letter asking to properly verify the debt showing original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The company has sent over a hand written note stating I owe {$490.00}. This piece of paper does not have a contract with both parties signature agreeing to this debt. Also this piece of paper is not identifiable. It does not state my name or the company name nor does it have my signature on this paper.I was not given a FULL consumer contract with my signature on it. I have attached a letter from my credit report that corresponds with my payment history. i paid my rent through their system called XXXX. My credit corresponds and states that I paid my rent up until XXXX of XXXX. Why am I being charged for XXXX rent. 

This company has NO DATE on the invoice. No COMPANY NAME on invoice. No signature. No contract on this invoice.
Product: Debt collection

I am writing to formally dispute the inclusion of an account from CBE Group on my credit report, as listed under your records. This account is not mine, and it has been improperly reported as being in collections. I request its immediate removal for the following reasons : XXXX. Ownership of the Debt : This account does not belong to me. I have not received any proof of ownership or validation of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ), which mandates that debt collectors provide written validation of a debt upon request. No such proof has been sent to me. 
XXXX. Debt Already Paid and Sold : Based on my understanding, this debt was previously sold to another entity and has already been paid. Under the FCRA ( 15 U.S.C. 1681b ), duplicate reporting of the same debt is unlawful, as it creates inaccuracies on my credit report and violates my rights to fair credit reporting.

3. No Written Notification Provided : I have not received any formal written notice regarding this alleged debt, which violates 15 U.S.C. 1692g ( a ) of the FDCPA. As such, the reporting of this account is not legally justified and must be removed immediately.

4. Violation of My Consumer Rights : The continued reporting of this account is negatively impacting my creditworthiness and causing undue harm. XXXX has a duty to investigate and correct inaccurate or unverifiable information under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). 
I dont have an account with you with the dates listed on my credit report and its inaccurate and needs to be removed
Product: Credit card or prepaid card

XX/XX/2021, no actions were taken by the company. 
There is an unauthorized inquiry on XX/XX/XXXXXXXX XXXX XXXX from SYNCB/TJX CO DUAL CARD ( Bank ) reporting on my credit report.
Product: Credit reporting

ACCOUNT IS INCORRECT JUST NEED TO PD {$100.00} XXXX
Product: Credit reporting or other personal consumer reports

I am in utter disbelief. As a law-abiding citizen, its incredibly disheartening and insulting to have my rights as a consumer disregarded in this way. There are fraudulent items on my credit report that I had no part in and have never benefitted from, yet these errors are damaging my financial standing and personal reputation. I took immediate action by reporting this fraud to the Federal Trade Commission, yet these items remain on my credit report, unresolved. The ongoing impact is causing me overwhelming anxiety and distress, and I feel deeply let down by a system that should be protecting me.
Product: Debt collection

I receive notification from court that I was being sued for credit card debt that was purchased by collection agency. They said that I bought sent over {$3000.00} at XXXX for earrings. I did have a XXXX credit card but I never used it and assumed the account was closed. I sent in a response back in 2020 that I disputed the debt and never heard anything back. I also disputed the debt on my credit report and it was removed. In XXXX of this year I received a notification from my job about possible garnishments. Apparently, there have been multiple hearings that I was not notified about to be able to defend my side. When I contacted the collection agency, they keep saying they are gon na send me information from the XXXX but all they sent was a statement.
Product: Money transfer, virtual currency, or money service

We wired money ( {$14000.00} ) on XXXX XXXX XXXX  from our credit union to our Chase checking account and the credit union transposed the last two numbers of our account and the funds went into someone elses account. Chase refused to do anything about it, so the credit union recalled the wire and are now being told by Chase that the member who owns the account that received the wire must give permission for the wire to be reversed. Well this is not their money nor was their name on the wire. As of today XXXX XXXXXXXX XXXX we still do not have our many back in our credit union account.
Product: Credit card or prepaid card

This dispute was filed incorrectly I have tried numerous times to correct that with this company however they have delayed and tried to prevent me from doing so. XXXX XXXX a rep from the corporate office has been corresponding with me even though he has admittedly no authority to resolve me issue this charge occurred on XX/XX/19 it is now XX/XX/XXXX. Mr XXXX idea of a resolution would be to just now submit my information to the dispute team for review even though Ive advised numerous upon numerous times that it was filed incorrectly. This is egregiously incompetent it is nearly four months since the charge occurred and they have yet to credit my account. Please assist.
Product: Credit card

I had a XXXX Balance on my credit card from Bank of America. My auto pay was still activated and they processed an additional payment of {$280.00}. I requested in XXXX of XXXX for them to refund the extra payment. They initiated a refund to my XXXX XXXX account, however it never was deposited back. I have called more than ten times and have spoken to numerous supervisors who stated they would escalate the discrepancy and would contact me back within 48 hours with an update and not one of them has. On XX/XX/XXXX, I received a letter from BOA stating they are closing my case because a refund was done on XX/XX/XXXX. This never occurred. I spoke with XXXX on XX/XX/XXXX and she said she would escalate it and call me back. She never did. I spoke with XXXX, another supervisors on XX/XX/XXXX Employee # XXXX. He said he would escalate and call back within 48 hours. He never did. I spoke with another supervisor on XX/XX/XXXX and his response again was that he would escalate it and call me back. I requested from all of these supervisors a trace, showing the account it was deposited to and not one of them has provided me with this information. I stated that I would send all of my statements from XXXX until now to prove that this money was never refunded to help expedite the process and they all refused to take this information. At this point I feel BOA is hoping I will just give up as its only {$280.00}. I can assure you, I will not stop and if necessary, will take legal action against them. The department I have been dealing with on this is the Credit Card Claims department at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX  Account Name XXXX XXXX Account # 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