23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Some one call trying to collect money did not State who they were. Asking for unauthorized info. I felt threaten and ask them not to contact me again. I have no idea about this matter I will start l legal procedure if continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been 270 days of me going back in fourth with Experian on items on my credit report that are reporting falsely. And this has been a huge problem on both my credit score and my XXXX XXXX I know Experian has taken on the role of being the authority company on everything financial. And they are failing to accurately perform their job, which is seriously hurting me. Their job is to report accurate information, and they have failed me on that. Further more when i send in a investigation request they completely ignore my concerns and keep me left in the dark on their investigation. They never provided me with their sources on how they are verifying the information either. They just continue to report this stuff. I know for a fact they haven't investigated it because the info is WRONG. They are violating me and they are doing so knowingly and willingly. Whatever system they use to investigate is failing the consumers and American people. They have a huge responsibility here and it doesn't seem like they care at all.
Product: Debt collection

I received notification from XXXX XXXX of a collection on my account. I reviewed it and determined this was for someone else. I called IC Systems and was told they could not help me and I had to get this resolved on my own. 5 minutes later I received a call from IC Systems and a different person was calling me to collect the debt which is not mine. The name they asked for is not me. I advised I had just called them a few minutes prior and was displeased that their company was not going to assist me in getting their error resolved. The woman I spoke to was uninterested and was not very polite nor helpful. 
XXXXNote : IC Systems appeared on my caller ID numerous times previously however, due to all of the spam and sales calls I receive I never answered their calls. IC Systems never left a message for me to signify who they were calling for or why they were trying to reach the individual they were looking for. The only similarity I have with the person they were looking for is the same first name.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX, I received and Equifax report and notice they are inaccurately reporting XXXX an current open line a credit with excellent payment history as account in dispute. I have never contacted Equifax or XXXX and disputed my XXXX line of credit. In addition, EquifaxXXXX refused to report any information for the period XX/XX/XXXX, left this information blank effecting my debt to credit ration, current balance and payments effectively impacting the credit scores. I believe this reporting error is intention and designed to lower credit scores of Americans of XXXX descent. I want the CFPB to investigate this deceptive business practice and find out how many Americans of XXXX descent are being impacted by this deceptive reporting practice and hold XXXXEquifax accountable . I also want the CFPB to enact and enforce laws to protect consumer from this type of abusive reporting practice designed to lower American of XXXX descent credit scores.
Product: Credit reporting or other personal consumer reports

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

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 XXXXXXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> 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 generally, 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 supposed 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: Credit reporting, credit repair services, or other personal consumer reports

Been contacting creditors, bureaus, third parties after 45 days I still have not seen or got a written response. A computer generated response is unacceptable. Remove this bull off my credit file you keep going against the law. Its clear! You guys are not following your written statements so In this matter before things get worse and legal remove these inaccuracies now! I dont even understand how could this happen I didnt give anyone any consent to access my file man XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 
For example, XXXX XXXX XX/XX/XXXX {$2000.00} XXXX XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XX/XX/XXXX {$3000.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX {$1200.00} XXXX CARD XX/XX/XXXX {$6800.00} XXXX XXXX XXXX XX/XX/XXXX {$5200.00} XXXX XXXX XXXX XX/XX/XXXX {$18000.00}
Product: Debt collection

Called my church last month, XXXX of 2024. I have repeatedly told them that I am currently, and gave been, in a oversized state and am below minimum wages for work. Because of this, they refused to take into consideration my hardship letter that I applied for. They call me every single week, sometimes multiple times a day, and when I'm working. I have told them that my daughter eating is more important currently but that does not stop them.from the constant harassing calls. And now, they are calling my church pastors office.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX Account Number XXXX, XXXX Account Number 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

'To Whom It May Concern : 15 USC 1681b 'This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report I recently received communication from you attempting to collect the above-listed alleged debt. Your initial communication to me in attempt to collect the alleged debt was within 30 days ago. 
Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety Further, I request verification, Validation and proof that this alleged Debt and Child is mine! In addition I want proof of, a copy of a contract or agreement. Said contract or agreement must be with the a creditor and signed by all parties involved, You are illegally attempting to collect the above-listed debt and money that I do not owe. 
Cease and desist all collection activity, including all reporting to consumer reporting agencies. 
Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my requests above within 14 days, then you are excused from verification. 
I have not given you written permission to put anything on my consumer report, 15 USC $ 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
You have no permissible purpose by law to contact third parties with my private or personal 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written Instructions
Product: Credit card or prepaid card

The approximate dates on when I had enough of Citi Band Credit Card is XXXX XXXX XXXX XXXX XXXX Credit card gets declined at certain places although credit is available. 
They place a hold on your account claiming they can't verify you. 
Issues with verification Can't make payments or check balances The company must send a code to your phone, call you and send a letter to verify it's you to take hold off of the account. 
Representatives claim they are trying to verify you and if they can't they claim fraud and this delays the process of having access to your account. 
They claim this is to help protect you. 

This happens too often and is very stressful and embarrassing. I don't experience this type of service with any of my other credit cards. 

I check my accounts regularly. If there are unapproved transactions on my account, I can contact the company immediately myself.
Product: Payday loan, title loan, or personal loan

During the application process I was told there was a low interest. I am an XXXX XXXX woman and I feel I was taken advantage of during this process. They basically forced me to take the money with high interest this situation is really hindering me and is not good for my credit report. I have reached out to the merchant and no response.
Product: Checking or savings account

in XXXX account had garnishment on my personal checking account the XXXX dollars was never dispersed the account was closed and over 13 years the bank has taken a XXXX dollar monthly maintenance fee in XX/XX/XXXX i received a letter stating since there has been no activity they would transfer funds now XXXX to unclaimed property i called to claim the funds rather then claim funds from unclaimed and all i get is statements
Product: Debt collection

XXXX My entire bank account was emptied bc of a judgement taken by Weber Oclese law firm. 
The debt is XXXX, owed to the State of Michigan for back taxes. I do not recall receiving a judgment or information regarding t
his debt or else I would have made an attempt to rectify it.

According to your website, a garnishment should leave some money in the bank. But everything was taken.

I have 3 XXXX. No job and a XXXX  with medical needs. Nothing was taken into consideration when garnishment was taken.

I attempted to call the rep assigned to my case but he didnt call back nor answered the phone. I called multiple times throughout the day.

Its so wrong to take everything I had. I need to borrow money to just feed my family at this point. And Im not sure when they will come back for the remaining amount.

Such predatory measures taken. Its sickening.
Product: Debt collection

My XXXX year old mother was solicited by a predatory lender, RISE for a personal loan. She agreed to a {$1300.00} loan but was told the California law stated the minimum loan amount was {$2600.00}. Her interest rate is 125 %, how is this legal? She is on a fixed income and RISE has set up an auto pay with her checking account with a monthly payment of {$470.00}. No income documentation was required from RISE to determine her ability to repay the loan. How is this legal? This is elder abuse! Please shut this company down
Product: Credit reporting or other personal consumer reports

unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. 
Department of Education ( DOE ) and the XXXX XXXX XXXX XXXXXXXX ( XXXX ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. 
This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ). 
2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. 
3. My IRS tax transcripts, which were obtained and used without proper authorization. 
These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. 
Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : 1. Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements. 
2. A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose. 
3. A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations. 
4. Immediate notification to all major credit bureaus ( XXXX, XXXX, XXXX, and XXXX XXXX ) to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach. 
This breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties.
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 ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in 2018 I filed a claim for the equifax breach settlement to receive the {$120.00} payout. I have never received it.
Product: Vehicle loan or lease

After reaching an agreement with CREDIT ACCEPTANCE CO, and paying the amount of {$1900.00} as required to close this case, CREDIT ACCEPTANCE continues to misreport the credit by lowering my credit score and allegedly increasing the interest balance on the account, this has now been resolved., and I demand that it be corrected, I attach documentation as proof of payment, arrangement and notice of the credit that was charged more to the account and lowered my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

This involves completely new information about a complaint. XX/XX/2109 I opened an ExxonMobil account and went through the steps on the ExxonMobil website to set up autopay. I have documented that autopay information was entered ( bank, routing and account # ). Apparently, autopay never got established. In XXXX ExxonMobil notified XXXX that my account was in arrears and my credit rating was reduced. ExxonMobil claims they sent me emails notifying me of amounts due. I have no record of receiving such emails. I have repeatedly asked ExxonMobil to produce copies of the emails. Please see the attached PDF file which I just received. They now state they can not produce copies of the emails, but claim that they were indeed sent to me. In addition they claim they know I opened the emails. They can not produce copies of the emails, but know that they were sent - I must be missing the logic here. Their report to XXXX significantly affected my credit rating. Should a reduction in my credit rating be based on a report that the company can not substantiate with records?
Product: Credit reporting or other personal consumer reports

Bankruptcy discharged 2020. Discharged closed accounts still reporting when they should be removed from my credit profile.Accounts still reporting negatively on profile.
Product: Student loan

XXXX XXXX loan was sold to Frederick J. Hanna and assoiciates. Hanna and associates will not return any of my calls nor will they send any receipt of payment that was sent for a {$500.00} payment by money order to their office. Customer service agents do this on purpose so that they wo n't have to work with the customer and immediately set debtor up with garnishment, as in my case.
Product: Checking or savings account

XX/XX/year> paid {$940.00} to landlord through XXXX. Landlord didn't receive payment. Tried to resolve matter by retrieving funds back to re-issue to landlord and nothing has been resolved
Product: Credit card or prepaid card

On XX/XX/XXXX my bill did not go through account with missed payment. I am kindly requesting CAPITAL ONE BANK USA NA ( Opened XXXX XXXX, XXXX ) to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Money transfer, virtual currency, or money service

Was victim of a scam with a fraudulent account. I payed for the service and never got the answer. Payment made with XXXX/zelle and when called to cancel was not open. Later was told they couldnt cancel cause it was already too late and transaction was complete. Fake account with trusted bank and still not able to get a refund or ask for a claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

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
Product: Mortgage

I had a mortgage that was being serviced by " LoanCare '' and I refinanced on XX/XX/XXXX with another company. Upon the completion of the refinance, there was an escrow balance of {$6000.00} that was due back to me. On XX/XX/XXXX I called Loancare to inquire about the refund check since I had not received it. The customer service agent stated they would look into it and issue a new check. On XX/XX/XXXX I called and spoke to a supervisor named " XXXX '' regarding my escrow refund because again, I had not received a check. The supervisor stated that he was initiating a " review request '' that would trigger a reissue of the refund check. On XX/XX/XXXX again I was forced to call Loancare because I had yet to receive my escrow refund check. This time I was told that the issue would be escalated in their system in order to get the check processed quickly. Today is XX/XX/XXXX and I have yet to receive my escrow refund check.
Product: Debt collection

I opened a Credit Card account in XXXX and had a charge off in early XX/XX/XXXX, I opened the account while living in XXXX. I moved to XXXX  in late XXXX and in XXXX I received a letter saying that I was being sued for this debt but in XXXXI, I read online that the credit card agreement and laws of XXXX applied to the account I even spoke with Capitol one and they said the same thing. I wrote to the Law office and they sent me a letter saying that they couldn't pursue the case I than called them and spoke with them and they said the case was over. In XXXX they opened the case again and are trying again to the get the money for the zombie debt. I went to court and the judge kinda agreed with me about it, but wasn't 100 % sure I have to go back to the court again. The Law firm of XXXX XXXX XXXX XXXX XXXXXXXX XXXX is violating my rights. Statute of Limitations in XXXX  is 3 yrs and XXXX is 10 yrs.
Product: Credit card

On XX/XX/XXXX I made a XXXX percent interest purchase on a mattress through the XXXX XXXX Credit Card XXXX. My origanal agreement was to pay {$170.00} a month equal payments and no interest. I then set up an automatic payment through my bank to pay this every month XXXX days prior to the due date. In XX/XX/XXXX they began charging a paper statement fee of XXXX without sending notice or an email. It was in tiny print on the statement that I never saw. This then started to create late fees of between {$30.00} and {$41.00} per month. After several tedious calls to support I finally was able to speak to an agent in the XXXX who removed the fees. I stopped paper statements and the agent said I could go back to paying {$170.00} a month. Then Synchrony Bank began charging me a {$2.00} a month interest fee on purchases even though I made no new purchases which again pushed me into a late fee. I have called support several times and am promised that the fees will be removed. XX/XX/XXXX an agent told me they would remove the {$2.00} fee and I would no longer get charged that because it was in error. Then I was charged it again XX/XX/XXXX. I contacted them again today about the same issue. They need to be held accountable for attempting to commit fraud against good and timely paying customers with erroneous fees.