23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to all 3 credit bureaus regarding this INACCURATE information on my report. The company that they all told me that verified the bankruptcy sent me a letter stating that it is inaccurate and I even went to the court house to get a letter and it also states that they have no information. TransUnion is lying and violating my rights as a consumer.
Product: Credit reporting

I have been a victim of Identity Theft and I did not authorize anyone to steal my identity and pretend to be me. I need to dispute these inaccurate items off my credit report.
Product: Debt collection

CAPITAL MANAGEMENT SERVICES LP is harassing me with letters, emails and phone calls about some Unknown account. They claim that they bought some unproven, unverified and untrue debt from another Company that I have no contract with. I have no contract with CAPITAL MANAGEMENT SERVICES LP. I have never heard of this Company, and they have no legal right to contact me about any unverified, unproven and untrue debt. CAPITAL MANAGEMENT SERVICES LP is in violation of 15 USC 1692. ( c ) ( a ) of the FTC fair debt collection practices. This Company needs to stop harassing me immediately.!
Product: Checking or savings account

When XXXX XXXX was taken over by US Bank I was told that if I go over or don't have enough funds they would supply a {$50.00} XXXX, that has not happened I was told US Bank has real time transfer I transferred {$50.00} to XXXX around XXXX this morning and the money still has not hit account??? Now I'm being told that it will take XXXX business days so I am without money until possibly Tuesday. 
Fraud I never reported anything fraudulent but as of XX/XX/23 every transaction is flagged fraud without my authorization. I can't get in contact with customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY name is XXXX XXXX XXXX, I live on XXXX XXXX XXXX XXXX., XXXX XXXX, XXXX  XXXX, ca XXXX, I have one fraudulent account reporting on XXXX, XXXX, Equifax, I never received the credit card from XXXX, account number is XXXX. 
I contacted XXXX on XX/XX/2015, and explained to them that I never applied for XXXX and never received the credit card, and asked them to remove it from my credit bureaus and I asked them to send me evidence that I used this card, but they refused to send me any documents to prove their merits.please contact the three credit company and block and delete this fraudulent account. This account was opened on XX/XX/2015, with fraudulent balance of {$2800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian and gave notice and instructions to remove unauthorized accounts from my consumer reports, i also informed them that they did not have permissable purpose and no consent to report or furnish anything, no consent is considered as Identity Theft Pursuant to USC 1681 b, Title 15 chapter 41 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX 4 XXXX XXXX XXXXXXXX XXXX
Product: Mortgage

Credit Tech ran my credit for a refinance for mortgage on XX/XX/XXXX that I authorized. I did not authorize Credit Tech to run my credit on XX/XX/XXXX because I decided not to go through with the refinance. I am not sure why they ran my credit without approval. This needs to be removed from my inquiries list asap.
Product: Bank account or service

In  XXXX   XXXX , I opened a bank account  with BMO Harris  Bank in which I would earn a {$300.00} bonus after completing  XXXX  direct deposits. My  XXXX  direct deposit was completed on  XXXX   XXXX ,  XXXX . It is more than 100 days since completing the requirement and I still have not received my {$300.00} bonus.
Product: Student loan

MOHELA has moved to a new platform that has major bugs. Namely, I am unable to increase the amount of my Auto Pay above the minimum payment. This is impacting my ability to repay the loan faster and save on interest. I attempted to report this bug via MOHELA 's " Contact Us '' form and ... that was also broken! The form does not submit after you click 'send ', so there's no way to let them know that one of their site 's main functions does not work.
Product: Debt or credit management

White Jacobs and Associates-The Credit authority required me to pay over {$1000.00} up front and did nothing to remove negative marks on my credit score. There was no positive change from when I began until after the 6 month program ended. While in the program they continued to try and get me to sign on another family member they can also steal from. I received calls regularly throughout the program but it was all XXXX credit jargon to get me to feel better about them doing absolutely nothing. After the program ended the analyst had the AUDACITY to ask me to enroll another family member again and said they would continue to monitor my scores after program finished I have not heard anything from them since. I even offered suggestions after program finished when I saw nothing was done to reach out to a creditor and have them issue me proper tax docs to get the item removed and of course nothing was done! I feel used, lied to, and manipulated. I was promised AT LEAST a XXXX point increase and if this was not the case I should not have been taken on as a client after my report was reviewed. Totally disgusted with my experience and this company. Do not take on clients you know you can do nothing for. There needs to be a one on one consultation with client to check feasibility of removal ( s ). THEN payment can be arranged after nominal consulting fee.
Product: Checking or savings account

On XX/XX/XXXXXX/XX/2024, I was in training with my supervisor at XXXX XXXX until Lunch @ XXXX. At XXXX I received a survey from CHIME that said How'd we do? I hadn't spoken to any with CHIME for any customer support this prompted me to immediately logged into my account which is protected by face recognition at which time I seen a transaction for {$1200.00} sent to XXXX XXXX for payment dispute/refund authorization. This was done from the pay anyone transfer. I didn't authorize this transfer, nor do I know anyone named XXXX XXXX. I contacted CHIME at XXXX and spoke with a representative and filed a dispute. They said it would take up to 45 days. I went into my CHIME account this morning and the dispute was denied. I contacted CHIME again ask to speak to a supervisor ( XXXX ) and requested them to send me the documents they used in deciding to deny my dispute. I explained to XXXX that I received a survey from CHIME prior to my money being taken and I took a screenshot of survey. She then asks if I was told to send any documents by the previous customer service representative and I informed her that they only provided a reference number for my dispute. XXXX then provided a link for me to send the survey, and I also sent my phone log showing that the survey was sent to me before I even reached out to them regarding the monies that was transferred out of my account. I'm now waiting for the rebuttal response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a co-signer on a business loan where this former partner filed personal bankruptcy and XXXX XXXX tried to hold me responsible for her loan where at closing they shared they would never hold me personally accountable and only our company. Upon reneging on their word at XXXX XXXX I tried to negotiate a XX/XX/XXXX settlement which was overly generous on my behalf based on their lie, of which they laughed at me. I proceeded them to protect my assets and position which ended with XXXX XXXX getting 100 % of nothing with a fully XXXX bankruptcy XXXX. I was given possession of a residential property for me to close a loan XX/XX/XXXX where we discovered the incompetents at XXXX XXXX had illegally and incompetently re-filed a lien on said property XX/XX/XXXX. My fully XXXX bankruptcy from XX/XX/XXXX had to be reopened to allow the judge in XXXX XXXX, OH to fine XXXX XXXX  and have them remove this illegal rifling. XXXX XXXX Mortgage is who closed my loan XX/XX/XXXX and it was purchased XX/XX/XXXX by XXXX XXXX. XXXX XXXX is not reporting my loan to the three CRA 's because they incorrectly read the legal documents explained above and consider me a new bankruptcy which is obviously inaccurate. Their fear if that they will get fine $ XXXX if they report my loan to the three CRA 's which again they should be more fearful of coyotes and wolves flying and attacking all humans which is obviously too an unfounded inaccurate fear. My counsel XXXX XXXX has been told to me by XXXX Servicing that their counsel XXXX XXXX would contact him to allow the legal experts to clear this simple atter yet he won't speak to my counsel XXXX XXXX. The filings are found in XXXX XXXX, OH under my name and information. I simply want my home loan to be reported to drive my credit scores accordingly. XXXX XXXX
Product: Debt collection

MEDICAL DATA SYSTEMS ; XX/XX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A letter and phone conversation that I was NOT this person.
Product: Credit card or prepaid card

I have recieved 3 SEPERATE overdraft charges for {$20.00} each totaling {$60.00} and even tho I have correctly abided by the overdraft policy by paying back the overdraft amounts by the next day, I am still being charged the overdraft fees and after speaking to two representatives and one supervisor I am still unable to recover these incorrect fees.
Product: Credit reporting or other personal consumer reports

This company has stated that a debt that I have no knowledge of was transferred to another agency That I have no knowledge of. I have requested written information several times with no resolution. The company has improperly used credit reporting. 

There are some inquiries reporting that I have no knowledge of. I have NOT given the listed companies permission or consent to obtain a copy of my report. 
According to Section 604 FCRA, any company that acquires a copy of my credit report as to have permissible purpose or proof that I initiated an inquiry. Please send me communication from these companies of what they consider permissible purpose as I am deeply concerned about who has had access to my credit file. Credit reports are indicators of a consumers credit worthiness and mine is incorrect therefore resulting denials. This is damaging to my financial reputation. 
I also understand that written authorization for all inquiries listed must be documented and proven if reported. If you have NO proof or evidence with supporting documents, please have these deleted immediately. 
If concluded online or internet, please provide the IP Address associated with the authorized inquiry which I seem to have serious doubts it was done. 
I have also contacted the creditor in question and they claim they have NO proof either, of each initiated inquiry, no written authorization documented, and each company has failed to provide to me a permissible purpose or proof and now for me, this is a major concern. Because they do not have my proof of authorization, whether written or verbal, I am demanding you to kindly delete these inquiry ( s ) from my credit report of, because it is unproven, non-compliant, and unverified as there is absolutely no evidence or proof of my authorization of a permissible purpose. 
Section 604 states that a Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) in Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. I have not applied for any credit recently. Please read on : Under 15 U.S.C.? 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete or cant be verified, the consumer reporting agency shall ( i ) promptly delete.
Product: Debt collection

On XX/XX/XXXX, I received a notice from my employer that my upcoming paycheck on XX/XX/XXXX was going to be garnished. I had NEVER received any summons for court as they claimed to have placed on my front door. I asked for proof which they can not provide. They gave my info to contact a XXXX XXXX, whom I left messages for over a range of XXXX months with no return call to me or my employer that was also trying to contact them. In the beginning of XXXX a rep named XXXX called and explained to him what has taken place and that I can not eat or pay my necessities with this garnishment and it was unfairly obtained, I asked for a payment plan and he said that he can't help me. On XX/XX/XXXX ( after being garnished for 4 months ) XXXX XXXX calls me, after getting a request from XXXX to call, and agrees to help me with a payment plan on the remaining balance for XXXX a month as opposed to the XXXX a month they were taking for garnishment. He told me that he can not set the payments up over the phone and that I would need my file number and to go to their website and set them up. Which I did and have proof they are still in their system bc there is no way to delete them from my end. I was told on XX/XX/XXXX there was a court date to collect all funds garnished from XXXX, and he told me on XX/XX/XXXX there will be a court date to collect the remaining funds garnished. In saying that, he gave me verbal credit for the funds sitting with XXXX ( XXXX ) and said we were making XXXX a month on the remaining {$840.00}. They drafted a payment on XXXX for XXXX and on XXXX, 2 days before their next draft, they sent a garnishment to my employer again, while they also have payments on file with my checking info. Surely I thought this was a mistake, and after leaving multiple messages over a couple of days trying desperately to get them to call me back, XXXX called yesterday to say that they never agreed to any of that and confirmed that they are going to continue with the garnishment and the auto pays on file. He refused to help at all, would not delete the payments or the garnishment. This is completely ILLEGAL. I as a consumer am being lied to, tricked, and forced into a payment that I can not afford along with a biweekly garnishment. This company is in violation. I asked for the calls to be pulled and I asked for manger to call me back yesterday. He refused to provide the calls and nobody called me back. I advised them that I would be filing a complaint with CFPB and XXXX if they did not call me back. This has affected my entire life, mentally, financially, and physically. I have worked in the XXXX XXXX for XXXX years and this place is the epitome of classless debt collectors that give the professional ones a bad name. XXXXXXXX XXXX XXXX, You are disgrace to any business in this industry. YOU CAN NOT LIE OR BE MISLEADING AND YOUR CALLS ARE RECORDED I DEMAND THAT YOU IMMEDIATELY DELETE THE AUTO PAYS ON FILE OR CEASE GARNISHMENT I AM CURRENTLY OBTAINING LEGAL REPRESENTATION TO TAKE LEGAL ACTION AGAINST YOUR COMPANY
Product: Credit card

On XX/XX/year> at XXXX, I received several email alert notifications that a hard inquiry was made from Capital One. I called the next day and the agent confirmed that someone had submitted an application for a XXXX CapitalOne credit card under my name. They have informed that they have noted this as a fraud application and will make sure it is not processed. 

On XX/XX/year> at XXXX, I received email alerts that another hard inquiry was made from XXXX XXXX credit card XXXX I called XXXX to inform them of this fraud activity and made sure that this was reported as fraud and not to be processed. They have provided the mailing address so that I could file a police report. The address these credit cards were requested from is XXXX XXXX XXXX XXXX MI XXXX I have notified XXXX, XXXX and XXXX of this fraud and have frozen my credit report account. I will also be making a police report this week.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX has XXXX my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on ( DATE ), and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Mortgage

This is the XXXX time in XXXX years that Suntrust Mortgage has grossly mismanaged my escrow account. They continue to say I have an 'overage ' in my escrow and mail me a refund check but then immediately raise my mortgage payment saying there is an 'underage ' for the year. 

So I 've made a lump sum payment to Suntrust to cover the 'underage ' and now I 'm being told they ca n't accept that payment because the escrow needs to come from current payments and not a lump sum. So once again I have an 'overage ' in my escrow account for the lump sum payment I made at the advise of a 'mortgage specialist '. 

This continues to happen once a year with this company and then when I call and speak with 'mortgage specialist ' they provide information to correct the issue which always turns out to be incorrect once I escalate to speak with a manager.
Product: Credit reporting, credit repair services, 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/TD # : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX CO L ( Original Creditor : XXXX ) XXXX, US DEPT ED XXXX, DEPTEDXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : that 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681S-2 ( a ) ( 1 ) Section States : That 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 card

On XX/XX/year> I was notified via email by XXXX XXXX that there was a hard inquiry yo my credit report. When I went to check for what it was there was an application for a best buy credit card. I logged into my best buy account to see that someone did an in store pick up for multiple items and actually picked them up in XXXX XXXX. I requested to speak with the location that allowed this as well as video footage of who it was because I have never been to Colorado nor would I order XXXX XXXX XXXX XXXX XXXX. I informed them ( Best Buy ) that this person also tried to open a credit card there in my name. I was told that someone would contact me from both Best Buy and Citi Bank. I was unable to get in contact with Citi Bank/Credit cards and no one from Best Buy or Best Buy card services has reached out to me. I was able to file a police report online with the XXXX XXXX  Police Department, I live on the XXXX XXXX XXXX XXXX XXXX 

I 100 % believe someone at the Colorado Best Buy stole my identity and ssn
Product: Debt collection

Midland credit management had a debt that I disputed with XXXX XXXX and the disputed was accepted now this is on my collections when the original one was taken off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Please UPDATE my current address on my credit reporting to : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, CA XXXX AND please REMOVE ANY previous addresses like : XXXX XXXX XXXX. 
XXXX  XXXX XXXX XXXX, CA XXXX OR XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, NY XXXX Thank you!