23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Calls being made repeatedly to my daughter and to an old ( and seriously ill ) family friend threatening to serve me with a complaint for a debt. The company calling us XXXX XXXX. I do not owe XXXX XXXX any money. They claim it is for money ( {$3200.00} ) owed to HSBC. I do not have any collection on any of my 3 credit reporting accounts ( XXXX XXXX or XXXX ) for a debt or past debt owed to HSBC.  XXXX XXXX 's phone number is XXXX and the woman who threatened me with being " served with a complaint '' is XXXX XXXX. I tell them I am going to file a complaint against them and they stop calling for a while, then start calling again. I checked with the Sheriff 's Dept., and with the process servers in NC, and none of them have any complaint to serve on me. I want these threatening calls stopped! The last calls started XXXX/XXXX/17. I checked my 3 credit reports today, and they all show " no collections ''.
Product: Debt collection

On XX/XX/XXXX and XX/XX/XXXX my brother 's ex-wife, my wife, and I were contacted by XXXXXXXX Active Debt Buyer saying I had a debt owed to Boost Finance an online loan company for {$550.00}. I told XXXX and XXXX that I have never applied for a loan with Boost Finance. They proceeded to tell me that this was not their problem and that I would have to track down or file a complaint/report of Identity Theft. All the mean time they wanted to serve me papers for a fraudulent account. I spoke to XXXX several times of which she hung up on me when I begin to question here who created the debt and who they bought the debt from. She would not tell me as she only wanted to confirm my address to serve me papers. I did observe a white male on my ring camera trying to serve me documents. Fortunate for me I was not home at the time. So, over the next two days XXXX called repeatedly stating they were going to turn me over to a collection agency if I did not pay the {$550.00}. XXXX tried to get me to pay over the phone. Stated if I paid over the phone the debt would be closed and they would not contact me anymore. I final get her to tell me who they brought the debt from. XXXX XXXX XXXX where I spoke with XXXX XXXX XXXX XXXX EXT : XXXX ). She told me they got the debt from Boost Finance and the Loan # XXXX was for {$400.00} created on XX/XX/XXXX, from an email of XXXX. That is my wife 's maiden name of which this email has been used several times over the past few years to open fraudulent accounts with XXXX XXXX, XXXX XXXX XXXX, Purchase XXXX XXXX  that was delivered to our house, Credit cards with XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and the list goes on. Neither may wife nor I have ever had an account with XXXX. My wife and I called her uncle in CA whose wife 's name is XXXX XXXX and we came to find out her work email account had been, and they have never had a XXXX account either. I am asking that this agency contact XXXX and have them trace, flag, the account for fraudulent activity and report the person the authorities for prosecussion. We had to contact XXXX XXXX as well. Spoke with XXXX and XXXX of which both confirmed neither my wife nor had an account with XXXX XXXX. XXXX XXXX did give me a Routing # XXXX and Account # XXXX. XXXX XXXX  confirmed they use a nine digits routing number and that the account does not exist. XXXX XXXX to me to go to the police and file an Identity Theft Report and I did ( XXXX XXXX XXXX ). I called XXXX XXXX back ( XXXX XXXX XXXX ) and stated she would notify Boost Finance  and XXXX that the account was fraudulent and not to contact my family or I again. XXXX XXXX told me to have XXXX bring documents to the police station so he could put them in the report since I have never to this day received any documents from Boost Finance about the account. Also, of not Boost Finance does report to the Credit Agencies so when I got my credit report this inquiry never showed up. My resolution is that Boost Finance be shut down or fined heavily for bad business practices and XXXX be fine for not verifying the debt they are purchasing as well as threating and harassing people and their families.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA this company LVNV FUNDING LLC needs to provide me the consumer with proof of purchase of my personal information that includes dates, and amounts and everything included with the sell of my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Advanced Resolution Services , Inc., This letter serves as a response to your letter dated XX/XX/XXXX. I have been seriously harmed for false credit account information ARS has provided to credit requestors listed under the section titled Credit Card Unauthorized Use Report Section. I do not recognize these false accounts and they do not belong or have anything to do with me. These accounts are listed below. My credit report was obtained illegally because the companies who viewed it did not have the right to do so, therefore, inquires and/or false accounts can not legally stay on my report per FCRA. 
The FCRA provides legal action against a credit reporting agency, or any other person or entity that violates the law, for negligent or willful noncompliance with the law within two years after discovery of the harmful behavior or within five years after the harmful behavior occurs, whichever is sooner. Under the FCRA, there are provisions for actual damages, including court costs, attorneys fees, lost wages, and defamation and intentional infliction of emotional distress.

I understand that ARS may not be interested in fixing  inaccuracies because doing so is contrary to what your objectives are ; to satisfy the furnisher of the information ( creditor ). Therefore, I have requested an investigation on ARS, Inc. with the U.S. Consumer Financial Protection Bureau. 

I am requesting you ( ARS ) to investigate the following inaccurate and/or fraudulent accounts and I want them removed by suppression technology ( not blocked ) so that they will not falsely reappear :
Product: Debt collection

The company, XXXX XXXX, is writing fruadulent checks on my behalf using my signature by which I have not authorized. This is the second time they attempted to process the same check after I had a conversation with them on Monday and they affirmed they will not attempt to bill the account in any way, shape or form until the designee or department on behalf of the company that responds to CFPB inquiries contacts me. 

Yet today, they attempted to process the same check that I did not write which bounced the first time. 

This company will be reported to the FBI to incriminate the representative ( s ) who attempted to bill the account twice by writing a fraudulent check, even after a representative affirmed this would not take place again. This is fraud, period. I will be pursuing criminal charges and will report this issue to local law enforcement as well using forms designated by my financial institution. 

Furthermore, I will immediately pursue this with the Army and Air Force Exchange and federal administration divisions in the federal government in an attempt for the Army and Air Force Exchange to cancel their federal contract they have with XXXX. 

Additionally, I will submit to federal court a petition for a lawsuit against XXXX. I am legitimately in a financial crisis and the only income I receive is from being permanently and totally XXXX. The money they are attempting to take will literally have left us without food and electricity for 30 days with minor children who have medical needs. I am even in the process of attempting to get help to pay my electric bills through a community program and have this very well documented. 

XXXX has completely ignored my concerns and they will attempt to continue to bill by personal checking account with fraudulent checks. Other avenues must be pursued.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and I noticed XXXX, XXXX and EQUIFAX furnishing an account on my consumer report that should not be on there. I demand the below account/s be deleted from my consumer report. 
List of accounts to be deleted XXXXXXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  XXXX Account number XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension ofcreditdirectly or indirectly by the issuer of acredit cardor similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report.
Product: Credit card or prepaid card

Hello - American Express and other credit card companies are taking advantage of small businesses. In order to narrow the focus of my complaint, I will speak only of the issues I have had with American Express at this time. 

It does not appear that credit card companies are using the Fair Credit Billing Act for their standard of initiating chargebacks ( refunds to customers that are taken from my sales without my permission ), and they are unfairly initiating chargebacks on honest, small businesses. This makes the credit card company look great to customers, but they are really just stealing money form small businesses. 

For instance : A customer received my product and installed it incorrectly, resulting in a broken piece. We offered to send her a replacement at no cost. She contacted her credit card company without offering to return the item. The credit card company initiated a chargeback, and the customer still has our item. She has a free product worth {$790.00} at our expense. This is egregious and basically theft. An example of this is order XXXX. 
Chargebacks have occurred to my business due to customers complaining of fraudulent activity ( somebody stealing their credit card number and using it to buy a product ). Why is it the small business responsibility to pay for these issues, rather than the credit card companys responsibility? Small businesses like mine are not responsible for these issues and should not be held accountable. Credit Card companies and their customers need to protect their customers from these activities without stealing from small businesses. I see nothing in the FCBA that puts the responsibility on the small business. Order XXXX in my account is an example of this. 
Chargebacks have occurred when XXXX had a small delay in their shipment. The item was received, but the customer decided he no longer wanted the item. The customer refused to pay for return shipping and an open box penalty, as would have been reasonable, and the credit card company initiated a chargeback and associated {$15.00} charge, even after the customer opened one of the boxes. This is unreasonable. Order XXXX is an example of this. 

American Express is nearly impossible to communicate with. I have given them evidence that my company is not at fault for these issues, and they have only responded by taking money from my account. I contacted American Express via the XXXX, and they refuse to answer direct questions. In fact, they suggest that it is not them that is initiating the chargebacks, and that is a lie. I am sharing American Express ' last two responses ( the first was lost, and was even more deceptive ). The specific responses included are responses to the chargeback associated with order XXXX ( noted in the last bullet above ). 

I am happy to share additional information. This is an issue of fairness to small businesses across this country that are going out of business due aggressive actions by credit card companies that are either illegal or should be illegal.
Product: Credit card

Opened this account to pay for emergency vet visit in XX/XX/XXXX. Never made a late payment. Credit score basically right where it was when I opened the account. All of a sudden in XX/XX/XXXX, they halved my limit without warning and tanked my credit score, wiping out months of hard work. They treat their customers terribly, won't give me a straight answer as to why. Stay away from this company unless totally desperate because they will XXXX you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In previous months, I requested the correction of inaccurate accounts which another credit reporting agency found to be inaccurate and had updated. Due to the Bureau 's lack of response which I classify as frivolous. Experian, XXXX, and XXXX have dishonored FCRA regulations and my request for verification. If they wish to correct this dishonor, I will give them one more chance to correct their errors and update my records. Please update the following accounts, which have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to FIX the accounts listed below : XXXX XXXX XXXX  XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX {$0.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I was trying to connect XXXX XXXX to my new TV and in doing so I was given a code to put into my phone in which I did and was prompted to call this number XXXX. I called the number and was told to download the app XXXX  and then these scammers took control of my phone. My bank card was connected to XXXX XXXX and the people started sending money to themselves at cash tag XXXX XXXX and XXXX XXXX. They told me they had to access the card on my XXXX  account which was XXXX XXXX. They also took XXXX $ off my XXXX account which was on my Bank of America account but they returned that money but not the rest. I had just cashed the money out to put in my bank account why would I take it back out that soon. I contacted my bank and XXXX XXXX as soon as I realized what happened closed the bank account and reopened another one and never put another dollar into XXXX XXXX. I don't understand why they returned the money sent through XXXX which was definitely fraud but will not return XXXX . I have sent thousands of dollars between XXXX XXXX and Bank of America and I don't understand why no one will help me get my money back. I will never trust a bank again because fraud happens and you should have your customers back. I never been through anything like this before.
Product: Checking or savings account

I opened a checking account at Citibank with {$200.00} promotion. The account was opened on XX/XX/XXXX at a Citibank branch. The personal banker who helped me and my wife opened the accounts is XXXX XXXX. Her signature is as follow : Personal Banker XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX did assure me that the offer was on the account and that I would receive the bonus as long as I deposit {$5000.00} and maintain it for 60 days which I did back in XX/XX/XXXX. According to Citi Chat Team member XXXX, The 60 days requirement was completed on XX/XX/XXXX and that the bonus should have been in my account no later than 90 days after that date, which was XX/XX/XXXX. I reached out to Citi Chat Help again opened a case for the issue to be researched further. The case number is XXXX. 

I finally received a correspondence from Citibank claiming there was no bonus in conjunction with the account and that they won't deposit the {$200.00}! 

I will be uploading the following documents : 1.Chat with Citi reps confirming I met the requirements and I would get the bonus 2. Screenshot of promotion from Citibank 3. Email from Citi Personal Banker
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX Owed : {$150.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$410.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$90.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express and I have agreed to a payment plan to pay off my account balance. Ive been making the payment on time and as agreed. The account is closed. American Express is reporting my account late for the past three months, American Express isncollecting payments and still reporting the ring information. When confronted hey said they will keep reporting my account late or delinquent until their system catches up and from there on they will report my payments on time regardless of meaking payments. So they will keep reporting late even though Im paying on time. They are also reporting my account open when the account had been closed for several months. They closed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

someone is using My identity Without my consent I did Not authorize This Account
Product: Vehicle loan or lease

On XX/XX/XXXX a disputed a missed payment on my auto loan due to Hurricane Laura that hit XXXX XXXX, Louisiana. Our area was declared a natural disaster and I called the bank beforehand. 

The amount was {$700.00} and the loan is through Bank of America. 

I have never missed a payment besides this one.
Product: Credit card or prepaid card

Opened an account with Capital One Credit Card 3 weeks ago. A day before my card arrived the card was listed as restricted. I received my card and was not able to activate it due to the restriction. On XX/XX/18, I called to enquire about the restriction and how to resolve it. They sent me a link to submit my personal documents to verify my identity. I was not able to send my SS card as the only proof of name change was my marriage license. I also sent my drivers license, passport, birth cert, XXXX license, bank statement. I called again XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They still stated the documents I sent were not adequate enough. They should have stated that from the first call. No SS card, no approval. I just sent all of my personal documents and I feel that they are fraudulent for not stating that they will ONLY accept a SS number. They have also done a hard pull on my credit. I will cancel the unusable card since they will not accept my current documentation. I want the closing of the card to not affect my credit.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XX/XX/2023 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, credit repair services, or other personal consumer reports

Credit bureaus are not updating information from creditors in a timely manner nor scores are updating even after on time paid accounts with decreasing in balance. I dont feel Im being credited fairly for payment performance to creditors. I feel this is some type of credit discrimination. We the people count on these credit bureaus to update an be accurate In a timely manner. Disputes are going unnoticed as well. Please ensure the credit reporting agencies are doing their job in a fair way towards consumers. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of purchasing a home and my realtor pointed out several accounts showing on my credit profile that I have never opened nor have any knowledge of
Product: Credit card or prepaid card

Good morning, I did not know how to classify or put into category according to your site. This has to do with my payments made to Shop Your Way - Sears credit card. I have attached statements which will show my balance for the month of XXXX, XXXX, XXXX as well one labeled Recent Statement - XXXX. My payments have been paid on time since I have acquired the card. In XXXX, I made a payment on time but notice Sears did not show the payment. I resubmitted my payment on 5 days later which was late and I was assessed a late of {$28.00}, which in enclosed as an attachment. However, Sears is saying owe a totat of XXXX as payment for XXXX. In XXXX I made payments of {$190.00}. In XXXX I made my payment early of {$150.00}, yet it still show payment due for XXXX of {$130.00}. On the XXXX statement, it shows a payment due of {$280.00} with my balance being approximately {$85.00} over. On another statement dated for XXXX, it shows my balance of {$4100.00} with a minimum payment of {$480.00}. The XXXX statement shows balance of {$4100.00} ; XXXX statement shows balance of {$4000.00} ; and XXXX statement shows balance of {$4100.00}. During this time in XXXX I made a payment of {$160.00} plus additional payment of {$39.00}. Then beginning of the new year in XX/XX/XXXX I made a payment of {$150.00}. As stated in the of the complaint, I did not know which category to place the complaint. However, I am not trying to be dishonest because I pay my bills on time always. I do believe I am being overly charged since I have not used the account in a while. I am being assessed unnecessarily which is making an extremely high monthly payments due. My usual payments range from XXXX monthly payment to {$160.00}. I want my monthly payment to reflect reasonably without anything extra added. My balance is {$3800.00}. currently. I do not owe anything for XXXX since I made my payment early. I am asking for your assistance in this matter.