23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Two months ago receive a message with a code and to call the Customer Service to find out the meaning of the Code. First time I was transferred to 'Credit Customer Service ; that couldn't tell me the meaning of the code, to wait for a letter for an explanation. Waited over 10 days, called back similar process but this time they told me that " the new card was not going to be shipped, probably the account was closed.To wait for the letter ''. Waited a few days, sent an email asking what was the problem, no response. Waited a few more days, called back and after being transferred several time somebody told me that the decision to close account was made and there was nothing I could do nor she could tell me why it was closed '' I have had this card for over 30 years, I have reviewed statements back to XX/XX/XXXX and pulled copies of the statements from XX/XX/XXXX to XX/XX/XXXX the account has never been late, payments made on time and most of the time above the Minimum Payments, balances have being paid off several times ahead of time, the card has been used reguland my reward is a cancellation with total silence and ignoring my request to a reason for their action
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 

XXXX XXXXXXXX Original creditor : Balance details 0 % of this account is paid off Balance on XX/XX/XXXX {$300.00} Original balance {$300.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Comments No Comments Statements No Statements Contact info Name XXXX XXXX Address XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit card or prepaid card

my account was closed by the company. they told me that they would return my call to explain why. i have a balance on the card and have never made a late payment. i was told to reapply for the card but when i tried i was denied. i have an excellent payment history and very good credit. customer service was absolutely terrible with long wait times and customer service members that could not give me any answers.very very unprofessional customer service. i called a total of 3 times and was hung up on.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 30 days late payment on the date XXXX 2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against this credit reporting agency for persistently reporting inaccurate information despite my repeated attempts to dispute and correct the errors. The credit reporting agencies actions have violated my rights under the Fair Credit Reporting Act ( FCRA ) and I am seeking your assistance in rectifying this matter. I have been diligently monitoring my credit reports and have noticed that they are continuing to report inaccurate information regarding my credit history. I have previously filed disputes with therf to rectify these errors, providing all necessary supporting documentation. However, the agency has failed to conduct a reasonable investigation as required by the FCRA and has neglected its obligation to correct the inaccurate information. FCRA Rights Disregarded : The right to have inaccurate information corrected promptly ( Section 611 ( a ) ( 1XA ) ) The right to a reasonable investigation of disputed information ( Section 611 ( aX2 ) ) The right to receive written notice of the results of the investigation ( Section 611 ( aX6 ) ) The right to delete or modify inaccurate information ( Section 611 ( aX5 ) ) XXXX XXXX XXXXXX/XX/XXXX XXXX I don't recall authorizing this inquiry. It could be fraudulent. Remove it from my credit report IMMEDIATELY! 
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX I don't recall authorizing this inquiry. It could be fraudulent. Remove it from my credit report IMMEDIATELY! 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX I don't recall authorizing this inquiry. It could be fraudulent. Remove it from my credit report IMMEDIATELY! 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX I don't recall authorizing this inquiry. It could be fraudulent. Remove it from my credit report IMMEDIATELY! 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX I don't recall authorizing this inquiry. It could be fraudulent. Remove it from my credit report IMMEDIATELY! 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX I don't recall authorizing this inquiry. It could be fraudulent. Remove it from my credit report IMMEDIATELY! 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion I don't recall authorizing this inquiry. It could be fraudulent. Remove it from my credit report IMMEDIATELY! 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion I don't recall authorizing this inquiry. It could be fraudulent. Remove it from my credit report IMMEDIATELY! 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion I don't recall authorizing this inquiry. It could be fraudulent. Remove it from my credit report IMMEDIATELY! 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion I don't recall authorizing this inquiry. It could be fraudulent. Remove it from my credit report IMMEDIATELY! XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion I don't recall authorizing this inquiry. It could be fraudulent. Remove it from my credit report XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion I don't recall authorizing this inquiry. It could be fraudulent. Remove it from my credit report
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$21000.00}.
Product: Credit card or prepaid card

I have an Amazon card issued through sycnchrony bank with a {$1000.00} credit line. On  XXXX / XXXX /  XXXX   I made a purchase for {$370.00} and then attempted a purchase for {$290.00} on or about  XXXX / XXXX /  XXXX  . On  XXXX / XXXX /  XXXX   I received an email indicating this charge was declined, even though obviously within the credit limit. I called the number on the card, which is  amazon  customer service who said it was denied because it exceeded the remaining credit amount left. They said there was the purchase, but also a " pending transaction '' for over {$300.00}. I immediately freaked, thinking a victim of CC abuse. After speaking to  three  reps, they could not give me any more information and transferred me to synchrony bank. They said the same thing, could accurately identify the purchase made, but not the pending transaction. I honestly am being treated for   XXXX   and  XXXX  and this has me through the roof. I immediately canceled the card and told them I would make no payments now until I received an adequate response. Probably sue for   XXXX   XXXX
Product: Debt collection

TD BANK XXXX XXXX I owe {$0.00} Status current Date opened XX/XX/2018 I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end. 
Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove the items which are 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 is not information relating to any transaction by the consumer. The following items are inaccurate and neeeds to remove : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Amcol Systems is reporting an amount of {$140.00} owed for a medical bill to XXXX XXXX XXXX XXXX. I'm getting weekly updates from XXXX   indicating that Amcol Systems is updating the reported debt by increasing even though the debt has been paid in full. Have indicated to both XXXX and Amcol that this has been paid and provided proof. Amcol is repeatedly breaking the law and is committing fraud by trying to collect a debt they know to be not owed.
Product: Credit reporting or other personal consumer reports

I've noticed unfamiliar items on my credit report, suggesting potential identity theft as I haven't authorized these accounts. I've raised this concern previously and now urgently request the removal of these accounts from my report. Their presence is causing significant stress as they inaccurately reflect my credit history and financial management. Addressing this issue has been challenging. If resolution isn't reached promptly, I'm prepared to seek legal recourse to safeguard my rights and seek a resolution. These erroneous entries pose a substantial obstacle, impeding my ability to achieve critical financial milestones such as purchasing a home and providing for my family. I'm hopeful for a swift resolution to this matter.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Complaint against Phoenix Recovery Group To whom it may concern, I am writing to file a formal complaint against Phoenix Recovery Group for inaccurately reporting a debt on my credit profile. In XX/XX/2023, I contacted Phoenix Recovery Group to inform them that the {$5500.00} debt that they had reported on my credit profile did not belong to me. Despite my request for validation of the debt, Phoenix Recovery Group failed to provide any evidence that the debt was indeed mine. 

I have requested multiple times for Phoenix Recovery Group to remove the debt from my credit profile, as it is negatively impacting my credit score. However, they have refused to do so without any proof that the debt is legitimate and belongs to me. 

I would like to request that Phoenix Recovery Group provide concrete evidence that I am responsible for the debt in question. As of now, I have not received any verification from them to support their claim. 

I am seeking the assistance of the Consumer Financial Protection Bureau in resolving this issue and requesting that Phoenix Recovery Group remove the inaccurate debt from my credit profile.
Product: Checking or savings account

I opened two accounts based off the high interest the bank offered for balances above {$2500.00}. When I opened the accounts I only had the option to transfer up to {$500.00}, so I did. Once the account was opened I wanted to transfer $ XXXX into one and $ XXXX into the other but the bank has a {$5000.00} a day max transfer policy. If you do the math to move $ XXXX in $ XXXX increments you are talking over 63 days to transfer the funds plus I get cheated out of the interest they advertised. 

Another issue is unbeknown to me they installed tracker software to pull my XXXX  checking, savings and mortgage balance information into their website so it shows up on a dashboard on their site. I found out the tracker and blocked it but the dashboard still has my XXXX  information.
Product: Debt collection

In XX/XX/XXXX, USAA FEDERAL SAVINGS BANK accepted {$5100.00} on my home equity loan account, as SETTLEMENT IN FULL, and released its lien on the property located at XXXX, XXXX CA. The Final HUD SETTLEMENT STATEMENT indicates a CLOSE DATE of XX/XX/XXXX, and a disbursement date of XX/XX/XXXX, which reflects the disbursement of said funds. 

Now, just over 5 years later, I received an undated electronic document from USAA Federal Savings Bank ( which posted in my USAA membership account on XX/XX/XXXX ). 
The letter states that I owe USAA {$26.00}, XXXX on said account, that said account is past due, and that said amount is due by XX/XX/XXXX. 

Said settlement in full was part of a short sale on said property in the State of CA. 

Now, just over 5 years later, I opened an undated electronic document from USAA, which shows it as electronically posted in my USAA membership account, in the USAA DOCUMENTS SECTION, on XX/XX/XXXX. The letter states that I owe USAA {$26.00}, XXXX, as past due amount, due and payable by XX/XX/XXXX. 

Said settlement in full was part of a short sale on said property in the State of CA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and saw inaccurate information regarding an alleged INQUIRIES. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged collection. I have even requested documents to be provided to prove that the payments were indeed in the INQUIRIES. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?
Product: Debt collection

A few months ago I started to received at least five calls a day on my cell phone from this number and a number from Missouri. I never answered the phone because alot of it was during work hours. Then they started calling my work office number, repeatedly harrassing my coworkers if I did not come to the phone. I talked to one person and asked that they stop calling my business and they said they would. They told me I had an outstanding debt that I thought was legitimate, but has never sent me any information regarding it in writing. They have continued to call me at least once or twice every day on my cell phone since then, and today on XX/XX/XXXX called my office twice again today. When my coworker picked up the line she talked to someone named XXXX and she put him on hold. When I picked up, no one was there and it hung up. The phone immediately rang again and she picked up again, and he gave her his number which is the XXXX. I do not know if this is a legitimate debt collector over any of my debts. And if so, I do not want to do business with them and their practices. They are harrassing me night and day.
Product: Debt collection

Recently I received a letter from ERC in an attempt to collect a debt that I do not owe. The letter is claiming that I owe {$76.00} to XXXX XXXX XXXX. This debt is NOT mine as I've never had XXXX   XXXX XXXX services. I've attached the letter they sent and as you can see that is not my name as " XXXX '' is not me.
Product: Credit reporting or other personal consumer reports

Equifax is reporting inquiries on my credit report that I did not authorize nor provide consent for access to my credit report so I am requesting immediate removal. Inquiry details are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These hard inquiries are a direct violation of my consumer rights under the following laws : U.S. Code 1681b ( Fair Credit Reporting Act - FCRA ) : This section stipulates that a credit report may only be accessed under certain permissible purposes, which include applications for credit, insurance, or employment, and only with the consumers consent. Since I did not authorize this inquiry or provide consent, it breaches the FCRAs regulations. 15 U.S. Code 1681c ( FCRA - Inaccurate or Unverifiable Information ) : Under this provision, credit reporting agencies are required to ensure that the information in the credit report is accurate and verifiable. An unauthorized inquiry fails to meet these requirements and thus should be removed. 15 U.S. Code 1681n ( FCRA - Civil Liability ) : This section provides for civil liability for willful noncompliance with the FCRA, including unauthorized access to a consumers credit report. The presence of an unauthorized inquiry on my credit report is a clear violation, and removal is warranted. 15 U.S. Code 1602 ( p ) ( Truth in Lending Act - TILA ) : This section outlines the requirement for obtaining express consent from the consumer before a credit report can be accessed. The lack of authorization for this inquiry contravenes these stipulations. Given the unauthorized nature of this inquiry, I request the immediate deletion of this hard inquiry from my credit report. Please provide written confirmation once this has been resolved. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX **************** {$1500.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$770.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$720.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$640.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$610.00} XX/XX/XXXX XXXX XXXX  XXXX {$540.00} XXXX XXXX XXXX XXXX XXXX {$520.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$500.00} XX/XX/XXXX XXXX XXXX XXXX **************** {$240.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 : 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

Recently changed my bank info, so had to switch my auto pay payment method. The website is so XXXX that I have done XXXX  times everytime getting an email saying the request was sent. But guess what the method never changed! It's been like this for XXXX months. And today I still get no concrete info that my auto pay is there. They have my payment method and I manually pay when it's due, but why the XXXX isn't auto pay working when I have done this same exact thing XXXX times! I will send you every XXXX XXXX email about the request being sent. But at no point did I get a confirmation that it was registered. Looking at XXXX  it appears I am not the only one who has experienced this and they do this so they can hike up the interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX Bank Date XX/XX/year> To Whom This May Concern, I, XXXX XXXX, have received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify the total debt amount, including any fees, and who the original party that is making the claim. After receiving such information I will review and respond within the 30-day period allotted to me under federal law.

If it is found that there is no evidence of this debt under my name then I demand that all credit bureaus and financial institutions be made aware or a complaint will be filed to the respective local or federal agency.

Furthermore, I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. I am aware of the request for payment by your company and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties.

I appreciate your efforts in this matter and look forward to your response. 

Regards, XXXX XXXX Signature : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Fraudulent hard inquiries that I did not authorize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

please check the information concerning my equifax data breach below in attachments.
Product: Debt collection

This is a debt from XXXX that has already been paid through another debt collection agency that was hired to collect on the same exact debt.