23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I work in a XXXX, Windham professionals has contacted me several times at work, as our organization uses a shared phone line, I have at times been able to set up a payment plan to resolve my student loan debts, but there is no clear way to communicate with them if their payment is drawn too early, or if I miss one, to resolve it. I know first hand the damage a debt collector can do to someone 's employment. I have an enormous student loan burden I am working to pay off with a very modest income. 

Windham professionals is endangering my livelihood with their aggressive, irresponsible and unprofessional tactics. it is very obvious when they call that they are a debt collector, as they announce such and that it is an attempt to collect a debt. They identify who they are looking for AFTER this announcement rather than simply asking to speak to me. I have asked them repeatedly not to call me at work or during work hours as it interrupts appointments and activities, requires personal information to be shared, and essentially tells my supervisor, coworkers AND clients that i am working on repaying student loans. Today a coworker forwarded a call at about XXXX while I was with a client, the debt collector repeatedly ignored my concerns and made every attempt to get me to confirm that I was unwilling to pay my loan, which is not the case, they do not call me during hours I can answer, and their return line goes to a general voice line. I would LOVE to actually arrange a resolution with them but I do n't want to go over my student loan debt and payment processes in front of a group of XXXX. The individual who contacted me today, and essentially bullied his way into a very public discussion told me that if it was important to me, I could call HIS line. I was given the number XXXX to call back which does not actually tell me who I should speak to at all. They call me during work, on my work line, which I have asked them repeatedly not to use, they do n't give me a reasonable way to return their calls and they do it during a time I ca n't even answer.
Product: Credit card or prepaid card

On XX/XX/2019 I called Capital One ( GM Credit Card ) to inquire about a billing statement but my call was shifted to the fraud section instead because of suspected fraudulent activity. I provided all required info ( DOB, phone number, and last four digits of my SSN ) as in numerous prior occasions when contacting Capital One, but their representatives would not provide me with any information because I could not provide the SSN of the primary card holder. I indicated that the primary holder was in another city, that she was XXXX years old, spoke limited English, was ill, and I was an authorized user of the card with my own separate card number. I was very concerned regarding their belief that there was a possibility of fraudulent use and inquired what steps they were taking to address it, but since I wasn't the primary holder they refused to give me any information. When I pressed her on their policy regarding fraudulent use, it was apparent she was ignorant of the policy and suggested the primary holder notify Capital One. I asked to speak with her superior, but she indicated her superior did not and would not respond to customer inquiries.Why does Capital One suspect fraud, and what steps are they taking to address it and protect the cardholder ( s )?
Product: Credit reporting, credit repair services, or other personal consumer reports

the company XXXX XXXX XXXX tried to collect a debt that i never owed with then and the day opened was on XX/XX/XXXX for a debt that was never owed with an innacurate amount and bought from another company when I never signed any documents this debt collector that must be removed as soon as possible having no responsability of the debt. 

In Accordance with the Fair Credit Reporting act XXXX  the Account from, XXXX XXXX XXXX last date of the last activity Date XX/XX/XXXX account number XXXX has violated my rights. 15 U.S.C 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ACCT # XXXX Amounts : {$3800.00} / {$3600.00} / {$3500.00} / {$7300.00} / {$3800.00} / {$7300.00} / {$6400.00} / {$1900.00} / Date Opened : XX/XX/2019 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

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.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the XXXX XXXX XXXX Account, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to remove these personal information that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these personal information not later than 4 business days. 
XXXX XXXXXXXX XXXX XXXX, OR XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXXXXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I noticed there were a inquire listed that I did not recognize. 
I contacted ( XXXX XXXX XXXX XXXX  ), who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation
Product: Money transfer, virtual currency, or money service

I have been expecting a refund from XXXX on an investment that did not go through. They, XXXX told me that their correspondent bank, Silicon Valley Bank. XXXX sent me an email showing that SILICON VALLEY BANK completed the wire transfer on XX/XX/2022. They say the {$1000.00} was deposited in my XXXXXXXX XXXX account and sent an email verification to XXXX which they forwarded to me. XXXX XXXX confirmed there we no wire transfers into my account in the month of XX/XX/2022. I called Silicon Valley Bank customer service, and they said they could only talk to XXXX. XXXX does not take phone calls. I emailed both XXXX and SILICON VALLEY BANK XXXX XXXX XXXX XXXX yesterday XX/XX/XXXX and copied XXXX XXXX XXXX  and have not received any response from either. Silicon Valley Bank has NOT wired the {$1000.00} into my account and they will not take my calls. Please help me. This has been going on now for 2 or more months. This is my {$1000.00} Thank you, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain inaccuracies present in my Experian credit report. On XX/XX/XXXX, I contacted Experian regarding these discrepancies, but I have not received any response to date. I am providing the details of the incorrect information and the necessary corrections, seeking your assistance in rectifying this matter. 

Account Information : Account Identifier : XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$860.00} The account labeled as XXXX with Account # XXXX XXXX is not mine, and I kindly request its immediate removal from my credit report. 
Account Identifier : XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} The account labeled as XXXX with Account # : XXXX is not associated with me, and I respectfully request its removal from my credit report. 
Account Identifier : XXXXXXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} The account labeled as XXXX XXXX XXXXXXXX with Account # : XXXX is not mine, and I kindly request its immediate removal from my credit report. 
Account Identifier : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} The account labeled as XXXX XXXX with Account # : XXXX has never been late, and I kindly request the correction of this inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, XXXX has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I need the account corrected as soon possible : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Its clear as per complaint XXXX with the CFPB my account was closed in retaliation. You guys even said yourself my account was to be reviewed over 2 months before its closure and wasn't due to " error '' even though I made MANY attempts to get updates and to escalate the issue. I paid my bill in whole every month XXXX issues besides PROVEN and agreed upon fraud disputes. I then removed my XXXX  and used my XXXX XXXX until it was closed by you with XXXX warning and prior to the restrictions. Now I ask for more details it's " classified '' information but if I get another card I can't even use it without fear of an unexpected closure for XXXX reason..would n't it be right to atleadt tell someone their " violations '' so it's not repeated. I was due justly monetary relief and to evade those cost you guys closed my account. I will take this to court I have contacted the treasury and general attorney and this is my last attempt for you to make things right. 

Violations : THE DOCTRINE XXXX ( XXXX  ) XXXX XXXX XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO 18 USC 8, L OWE NO DEBT. XXXX XXXX IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION PROORT Y IFORMAAIPMPER 15 USC 160468 A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. Pursuant to 15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. NONE OF THIS WAS LAWFULLY DONE.

If these laws don't apply to you and if my claims are incorrect please detail how and back your claims with LAW not company policy or I will send an Affidavit of notice to file suit for deformation due to the status of a perfect account now reflecting negitive as " closed by company ''
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX and Transunion has reported XXXXXXXX XXXX on my credit report as a charge off with the amount of {$760.00} from XXXX that is not mine. This account does not belong to me and I have never had a XXXX Credit Card nor have I done business with them I have tried disputing to XXXX and Transunion but they have not removed the account.
Product: Debt collection

I have a credit card debt that has been on my account more than six years. I want the debt removed from my credit report.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXX  XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$13000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1200.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX
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 15 USC 1681. 

Account Name : XXXX : Account XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX5 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, credit repair services, or other personal consumer reports

My journey into the world of scams, fraud, and identity theft has been going on since XXXX of 2019 and maybe even before. 
My credit card was maxed out and got that fixed, but now my credit report has information I have not authorized or had no knowledge of. 
Starting XXXX XXXX of 2019 inquiry for credit cards from XXXX different companies was put on my credit report. 
XX/XX/2019 I have an incorrect address and an unknown address appearing on my report. 
XX/XX/2019 a name that is not my own is being used under my social security number. 
I did not know any of this was going on due to the fact my bank had blocked me from accessing my accounts that are connected to my credit wise that I use to check and keep track of my credit. 
I have not applied for any new bank account until XX/XX/2019 and that is with a bank close to my own home. And certainly have not applied for a new credit card.
Product: Debt collection

some time on or about fob XXXX company by the name XXXX XXXX # account XXXX company gold card that Carrie a XXXX per year membership fee that was paid in XXXX on that statement for XXXX. the company have three account with XXXX XXXX never late or never missed payment. last year XXXX XXXX request a copy of the financial statement which they already request them back in XXXX. and the financial record was submit to XXXX XXXX. XXXX XXXX after review those financial XXXX XXXX re -submit the account in 24 hour and re- open the account.. just because at the time the CPA have not prepare the Tax retune for the year XXXX. the representatives for XXXX XXXX stated that the reason for close the account and for the request for the statement was because my husband 97 % of the charge on the card. he is my husband and he run the company he make the money. I ask XXXX XXXX why they cancelled all of my account. with my income being XXXX and retire income is XXXX per year and we have more XXXX a total of home hold XXXX with over XXXX XXXX in asset.. and they already have this information on file. they could never give a good reason but your husband charge 97 % of charge. but they just took XXXX membership fee from us on the statement the first of the year .and then turn one of my account over to a collection agency a company by the name of American recovery service inc , why? for a XXXX bill that they cause not to be paid check the record never late never missed all paid my membership fee ever year. this is wrong on so many level. this harassment and discrimination, I believe this is a violation of one age just because I turn XXXX year old but I still work XXXX hour a week just pay my bill.
Product: Debt collection

XXXX has been calling my daughter repeatedly. She lives in Arizona and they have been calling her around XXXX am almost daily for at least the last month. She called the company today and they were calling about a debt that I owe. I have never heard of this company and I have never received information about a debt from them.
Product: Credit reporting or other personal consumer reports

On XXXX  I paid to become a member of Transunion because all of the information is a few months old. I'm ahead of all my payments but they keep reporting to credit card companies that I'm over the credit limit and my credit amount keeps going down and because of them, my credit score keeps going down after working so hard to bring it back up. 

I filed several disputes and chatted with a " XXXX '' and he blamed the credit card company for not submitting the reports on time. I told XXXX that XXXX is showing my accurate credit. 

Now as of today, Transunion has locked me out of their website. I got this error code : Sorry, you have been blocked You are unable to access XXXX  Why have I been blocked? 
This website is using a security service to protect itself from online attacks. The action you just performed triggered the security solution. There are several actions that could trigger this block including submitting a certain word or phrase, a SQL command or malformed data. 
What can I do to resolve this? 
You can email the site owner to let them know you were blocked. Please include what you were doing when this page came up and the XXXX XXXX ID found at the bottom of this page. 

There is no way to contact the " site owner ''. 

Also, my credit went down overnight according to XXXX XXXX and my bank. 

Transunion literally retaliated because I complained.