23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This account is holding my credit hostage for a balance I do not owe. XXXX closed this account in XX/XX/2013 it was paid, equipment was returned. NO balance was due or is due. I have contacted IC Systems to remove it and they just re-reported the debt as brand new like an account that is due and owing. Even if I did owe money Utah has a statute of limitations of 4 years and this has long since expires. They are barred from collecting the debt.,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion should not be reporting. me as an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit card

I received an email from PayPal saying that I had just sent a {$30.00} USD Payment to XXXX XXXX XXXX XXXX XXXX. 

This invoice notification arrived on XX/XX/year>. 

I never made this payment. I was not ever going to make this payment. This payment needs to be cancelled as the money has been stolen from me. This is a large form of fraud and scam.
Product: Credit reporting or other personal consumer reports

XXXX. Account XXXX XXXX XXXX Account number : XXXX This accounts is written as a charge off on my credit report and I never received any of the 1099 cancel of debt forms from original creditor and because of that this account is inaccurate and needs to be removed immediately if the account was written off by the creditor this means that the account is an taxable income and is paid off and that there should be an XXXX balance on the account and it should be removed from my credit report immediately thanks
Product: Debt collection

I had a assault from this company procollect. I 'm XXXX XXXX And Have Been Threatened With Phone calls, Fino scores, housing issues, higher interest rates, and they have broken the civil service act as Im a XXXX soldier XXXX and they were laughing and yelling at me over the phone over a medical bill from XXXX. I 've been denied home, business loans, and any financial access to loan from this medical bills that are paid off and a furniture bill that is n't mine. I have medical bills paid off from XXXX hospital of XXXX Texas and an furniture bill that was put against me during my XXXX in a XXXX. Both of these are not my bills and have been harassed day and night to include contacting Fico companies fraudulently hurting my ability being XXXX further. This company is called procollect.
Product: Debt collection

Sent a debt validation request to company XX/XX/2018 sent US certified mail. Company signed for and received letter from me. Company failed to respond in anyway or provide any evidence of the debt.
Product: Debt collection

Repeated calls at all different time of day and night. I told them repeatedly to stop calling me
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been contacting the credit bureaus to have ALL unknown accounts, inquiries, jobs and address removed from my account, as the such items I have no knowledge of. As Ive been trying to resolve this matter for 2 1/2 years now, nothing has been done. This is stopping me from owning a home, I am a single mother  and its defamation of character along with my credit profile.
Product: Credit card

On XXXX XXXX XXXX XXXX, American Express authorized a payment to XXXX XXXX XXXX for a substantial amount of {$2400.00} over my {$1000.00} credit limit. Budget Rental Car did not provide me or my authorize user with a bill of charges. Once I filed the dispute with American Express, thats when I was able to see a bill. XXXX provided generic documents to American Express that did not have signatures from any parties for the rental. American Express is requesting receipts from me or my authorize user in order to resolve the over-the-limit transaction. I have informed American Express that I do not possess any documents because XXXX did not provide any. I have informed American Express that the company declined an over-the-limit transaction for about {$300.00} in XXXX or XX/XX/year>. I have informed American Express that me and my authorize user never opted-in to approve over-the-limit transactions and that the company is in violation of 12 CFB 1026.56 ( b ). American Express arbitrarily authorized an over-the-limit transaction for {$2400.00} over my credit limit but did not authorize an over-the-limit transaction for {$300.00} over my credit limit.
Product: Credit card or prepaid card

I have a Visa with Citizen Bank My statement for XX/XX/2023 balance was {$710.00} I paid in full on XX/XX/2023, at branch location. I received a statement for XX/XX/2023 with summary activity payment of {$710.00} no charged but {$7.00} interest charged {$7.00}. I called and was told because I didn't pay in 5 month the balance time frame I received. I this fee. I said I never been late and was paying {$500.00} for three months because of the interest was high so interest on XXXX is {$7.00}.
Product: Credit reporting or other personal consumer reports

I have reached out to this company below for several times and talked to them about the issues with my account as reported by the BSI FINANCIAL SERVICES. They have advised me that they will remove ALL the late payments and will correct the credit report accordingly and accurately, however, as I reviewed my recent report the accounts are still reporting inaccurately. I am not sure how the BSI FINANCIAL SERVICES came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have also attached in this complaint the response from the company to remove the late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/2019 and XX/XX/2019, your account with XXXX XXXX was removed from your credit report. 


Between XX/XX/2019 and XX/XX/2019 the following remarks were added to this account : Reaffirmation of debt I was not informed, and by law you must give a written notice within 3 days ... you are in violation There is no contract, no valid claim ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow ... this is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any inaccurate information that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not information relating to any transaction by the consumer. Here are the list of inaccurate information that needs to be remove : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Payday loan, title loan, or personal loan

Hello. I have been trying to contact anyone and everything for help. ( Axos Bank ) I am in DIRE need of my title for my vehicle. I moved from Florida to Indiana and I am TRYING to register my car in Indiana. My Florida tags expired XX/XX/XXXX and my LAST indiana 30 day temporary registration expires XX/XX/XXXX. After that date, my car will be illegal to drive. I have been trying to obtain my title from you and Florida since the beginning on XXXX and nothing. I NEED it desperately. I have children who need to be driven around and for school. How is this not able to be done. Please help! When I call Axos Bank, they have no record of asking Florida for the title. I have messaged and they said they sent out a request XX/XX/XXXX for my electronic title from Florida, and nothing, What am I to do? This is literally out of my hands. I need my title!
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( Account Name XXXX XXXXXXXX & Number XXXX as shown on your report )
Product: Student loan

I requested to be removed from SAVE repayment plan. They said it would take 5-7 business days. This was XX/XX/XXXX. It is now XX/XX/XXXX. I called last week and they said they dont know whats going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX 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. 

XXXX : # XXXX, XXXX  # 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 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

On XX/XX/XXXX I sent out letter to have the debit from XXXX XXXX removed as I filled it on my taxes as a cancellation debit XXXX form and the debit is still on my credit report. This debit is paid for now and should be up dated with XXXX XXXX XXXX XXXX  and XXXX  immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a letter requesting method of verification of a public record was sent to Equifax. I have not received any notice of the investigation as of XX/XX/XXXX. I additionally submitted records from XXXX XXXX to Equifax to show that there were no public records listed in regards to the chapter XXXX bankruptcy.
Product: Credit card

I purchased windows through XXXX XXXX XXXX. I paid a 50 % deposit on XX/XX/XXXX. The windows/door were installed XX/XX/XXXX. I requested the stickers from the windows XX/XX/XXXX. They were unable to produce the stickers, but we found XXXX sticker and a piece of cardboard in the trash that was too difficult to read to confirm they were what I ordered. After repeated requests for proof of specifications of the windows in which they refused, I put in a dispute on XX/XX/XXXX related to not receiving what I ordered and paid for. That dispute was handled very unprofessionally with the credit card company making multiple requests upon me for documentation in which I supplied to the best of my ability. They then stated the impossible, telling me I needed to prove the windows were not what I ordered. Since the stickers were not on the windows and door, I was to check the serial numbers on the windows/door. My windows/door do not have a serial number. I have checked multiple times and there isn't a serial number and I have told more than XXXX XXXX employee that along with the credit card company. If there is supposed to be a serial number and mine do not have a serial number nor the stickers attached to the windows/door ; I would think that proves they are not what I ordered. The credit card company then requested a XXXX opinion regarding the faulty installation. I obtained the XXXX opinion as requested and sent the documents in before the stated deadline, but they had already cancelled the dispute before the stated time. They then reopened the dispute, but then cancelled it again with no response from anyone. 

I then found out the company that installed the windows had let their business license go to inactive due to expired insurance. That occurred XX/XX/XXXX ; after we entered into the contract, but before they were installed. I once again requested a dispute on the charge. I have requested this over the phone and in writing. The information regarding the business was obtained from XXXX XXXX XXXX XXXX Department and I needed to obtain permission from them before any further action could be taken. I received permission XX/XX/XXXX and uploaded the document. I am writing this to not only voice my complaint regarding the handling of the XX/XX/XXXX dispute, but to hopefully have a more professional open review of the dispute charge. I am concerned about the credit card company 's honesty since the time limit has changed since the original dispute along with their previous frequent demands upon me and none from the manufacturer/installation company. Documents available upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

For months I have been contacting all three credit reporting agencies asking for proof of the bankruptcy they are reporting on my credit. Each company Keeps saying the information Is verified without providing me proof of this verification. I have contacted the company they listed as their source of verification and the company has stated they removed this bankruptcy from my public record but the credit reporting agencies refuse to remove it.
Product: Checking or savings account

XXXX card was declined by merchant and log on to account did not go through. I called Bank of America to get my log in changed and they had to repeatedly email the code to get password reset, because I didn't get the emails. When I was finally able to get logged into my account, my balance was XXXX  short. I tried to transfer the XXXX of the money left in the account to my primary checking account and when I got the confirmation, I realized that it was an unknown bank account. I immediately called Bank of America back and was told they can not stop the transfer. 
Someone ( I suspect a Bank of America XXXX ) changed my password, stopped emails being sent to me from Bank of America, changed the account from automated transfers to my XXXX  account to a different XXXX Account at XXXX Bank and withdrew money from it and also received the transfer I was making, thinking the money would go to my account. During all of this my password was changed repeatedly and the debit card was in my possession. 
I filed a police report and a fraud claim with bank of America. I kept getting rejection letters of my claim XXXX times, yet they refused to research my claim. The answer was always the same : " You or someone authorized by you to use your account verified the transaction prior to the funds being sent. 
No one has access to my account, no one was authorized to use my account or change my account settings and I have reported this repeatedly to Bank of America, yet my claim keeps getting denied. I can not afford to lose over XXXX. 
Claim number XXXXXXXX XXXX Card number XXXX XXXX XXXX XXXX
Product: Mortgage

I applied for a home equity loan with key bank about three weeks ago. They initially declined me for too much debt to income ratio. I spoke with their Mortgage Broker and it sounded like they made a mistake in that they specified that I would NOT be paying off the unsecured debt, which was not the case. The Mortgage Broker caught that mistake and she re-processed the loan application, specifying that we WOULD be paying off the unsecured debt with the equity loan. Another week and a half or so and they came back and said we're declined. The initial explanation was verbal from the Mortgage Broker. In  the verbal explanation was that our debt to income is still not sufficient. On XX/XX/19, I emailed the loan processor again asking for a better explanation in writing and I off-offhandedly speculated and asked " could it be that there somehow counting my dependents and some how discriminating against the size of my family. '' To my shock and surprise on XX/XX/XXXX she replied in an email saying my number of dependents is indeed a factor. I believe size of a family should not be used to discriminate against in applying for credit.
Product: Debt collection

XXXX XXXX contacted my spouse after finding his number through alternative sources. They would leave messages on both of our phones like 'Good afternoon. My name is 'collector ' and I am contacting you in attempt to confirm location information for 'my name '. '' On several occasions 'collector ' spoke to my spouse. XXXX time I spoke with on my partners phone with my partner in the room, not hiding anything from him, but not giving her permission to speak to him. On XXXX  XX/XX/XXXX, 'collector ' spoke confirming I have a debt with their agency, who the debt was with originally and that I had not set up payment arrangements. Even after being asked to not discuss anything with him, she kept calling him at all times of the day and night. I spoke today with the company and I demanded they remove his number from their system. I also was told that it is ok for them to talk about your account information with spouse and family members. I asked for information on their company 's policy and I was told I would have to talk to a supervisor who conveniently was in a meeting. I am not a happy person right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of THEIR inquiry issue. Transunion had a server error in which they did not follow the legal process, and fraudulently added inquiries on to my account that do not belong to me. I now have a fraud alert on my account but yet they will not remove the fraudulent inquiries. 

I called and spoke to a customer service rep in which they refused to acknowledge the error. 

These inquiries are fraud and do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2018, I relieved a letter from XXXX XXXX XXXX XXXX ( sent from XXXX XXXX XXXX XXXX, MA XXXX ). This letter was addressed to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX. I am XXXX XXXX   XXXX  at the address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  KS XXXX. The letter stated that XXXX XXXX XXXX owes {$780.00} to XXXX XXXX   ( no further information given ). I have never held an account of any type with XXXX XXXX and no such debt is reported on my credit report. The letter states that the debt can be settled for 50 % of its total value at {$390.00}. The letter states that it's required to say : " This is an attempt to collect a debt and any information obtained will be used for that purpose. This communication is from a debt collector. '' The letter directs you to their call center : XXXX  or to their " self-service '' website at XXXX. At the self-service website, payment options include check, credit/debit card, and payment plans. I did not enter any requested info into the website above as I suspect it may be a phishing scam on top fraudulent debt claims.
Product: Credit reporting or other personal consumer reports

CFPB Complaint Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint against Equifax for Inaccurate Bankruptcy Information on Credit Report Dear Consumer Financial Protection Bureau, I am filing a formal complaint regarding an inaccurate bankruptcy entry on my credit report that has not been resolved despite my attempts to have it corrected. Below are the details of the dispute : XXXX. Company Information : Company Name : Equifax Company Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone Number : ( XXXX ) XXXX ( Equifax ) 2. Nature of the Complaint : I am disputing the inclusion of a bankruptcy on my credit report that was filed with the { US BANKRUPTCY COURTXXXX } XXXX The bankruptcy was reported under reference # { XXXX } and listed the date of filing as { XX/XX/XXXX } Court # ( XXXX ). I have received a memorandum from the original creditor confirming that they have not sent any information regarding this bankruptcy to the credit bureaus. 
According to the Fair Credit Reporting Act ( FCRA ), specifically Rule 623 ( a ) ( 5 ), the original creditor is required to submit accurate and verifiable information to the credit bureaus. The information regarding the bankruptcy is therefore incorrect and must be removed because the original creditor has stated they never reported it. This violates both the Fair Credit Reporting Act ( FCRA ) and the provisions of 15 U.S.C. 609 ( a ) ( 1 ) and ( 2 ). 

3. Actions Taken : On XX/XX/XXXX, I sent a written dispute directly to Equifax requesting the removal of the bankruptcy from my credit report, citing the memorandum from the original creditor confirming they did not report this bankruptcy. I attached the memorandum as supporting documentation. 
4. Impact on Me : The bankruptcy that appears on my credit report is erroneous, and it has negatively affected my credit score and my ability to obtain credit. The continued presence of this inaccurate information is causing harm to my financial well-being.