23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Man by the name of " XXXX XXXX '' continously calls me. I spoke with him once where he tried to get me to settle a debt from a school loan that was through XXXX. He used tactics such as illegally trying to persuade me that he was speaking to XXXX as he was speaking to me and was making offers which were absolutely bogus. How could he keep getting different settlement prices when he was speaking on the phone to only me? 

This XXXX XXXX guy continued to tell me to " go get loan with a co-signer and pay him '' which is not logical. After he saw I was not budging, he continued to try and set up a monthly payment plan which I was not interested in either. 

XXXX also called my parents house phone and spoke to my father. He does not understand the word " no '' and " stop calling ''. He leaves me voicemails stating that " This is a very serious matter '' and " This is a debt that needs to be taken care right away ''. I feel very threatened and annoyed by this man and this companies scam tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my of my credit report and noticed fraudulent accounts on my credit report.Reference number XXXX date of service XX/XX/XXXX balance {$1000.00}, reference number XXXX date of service XX/XX/XXXX balance {$710.00}, reference number XXXX date of service XX/XX/XXXX balance {$1000.00}, reference number XXXX date of service XX/XX/XXXX balance {$1600.00}, reference number XXXX date of service XX/XX/XXXX balance {$1600.00}, reference number XXXX date of service XX/XX/XXXX balance {$1000.00}, reference number XXXX date of service XX/XX/XXXX balance {$1600.00}, reference number XXXX date of service XX/XX/XXXX balance {$1000.00}, reference number XXXX date of service XX/XX/XXXX balance {$1100.00}, reference number XXXX date of service XX/XX/XXXX balance {$16000.00}, reference number XXXX date of service XX/XX/XXXX balance {$1100.00}, reference number XXXX date of service XX/XX/XXXX balance {$780.00}, reference number XXXX date of service XX/XX/XXXX balance {$780.00}, reference number XXXX date of service XX/XX/XXXX balance {$1600.00}, reference number XXXX date of service XX/XX/XXXX balance {$310.00}, reference number XXXX date of service XX/XX/XXXX balance {$160.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The liftoff accounts below has violated my federal protected consumers rightist privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 SECTION 602 A. States I have the right to privacy. 

An according to 15 USC 1681 EB they are supposed ensure this whenever a consumer reporting agency prepares consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S.C 1681 C ( A ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any adverse items of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681 s-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. 


Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

account. 
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following accounts in my file. The accounts I need to be deleted are listed in the report.I ask that the accounts be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and attach the said report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged ones with the accounts listed below showing on my credit report. I, therefore, request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the accounts as soon as possible. 
DEPTEDXXXX XXXXXXXX Balance : {$7100.00}, DEPTEDXXXX XXXXXXXX Balance : {$3600.00}
Product: Mortgage

I have a loan with pennymac transfered from XXXX XXXX to XXXX. I spoke with people fromPennymac more than a week ago. They told me they were going to send me papers in the next seventy two hours, and I have not heard from them. My name is XXXX XXXX
Product: Credit card

All of my Capital one credit cards and bank accounts were closed. The bank gave me no warning or explanation. I called Capital one and was told that they do not have access to the information as to why this has happened. I have no pending legal cases, credit score is good and my taxes are paid. This has caused great concern for me because i do not know what has caused this. This is very scary that a bank would do this with no explanation and leave me without access to my money or credit. I understand a bank can exercise their right to close an account but to not give a customer a warning so they can get ready to be without access to their credit and money is unacceptable. I need to know why this has happened so i can determine if this is even based on accurate information. Please Help!
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX AND IM SUBMITTING THIS COMPLAINT. There are some Unauthorized/Fraudulent inquiries being furnished to my consumer report without my permissible purpose, which is a violation of the Fair Credit Reporting Act. No written instruction has been given to TransUnion to report these inquiries XXXX XXXX XXXX XXXXXX/XX/year> and XXXXXXXX XXXX XXXX, to my credit file. I have filed an Identity Theft Affidavit with the Federal Trade Commission & attached it to this complaint along with my Drivers License, Social Security Number & my Cover Letter listing each Fraudulent Inquiry. 
DO NOT ADD A FRAUD ALERT TO MY CONSUMER REPORT!
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is committing fraud violating my rights to privacy and accurate information on my credit report reported by the company EXETER FINANCE LLC. I submitted a complaint XX/XX/XXXX for inaccurate and false reporting by them on my credit report, they had 30 days to update my credit report with ACCURATE information, on XX/XX/XXXX i received a response saying they updated the inaccurate information and in fact when I checked my credit report on XX/XX/XXXX I noticed all the inaccurate information was there including false reporting like reporting to XXXX that I made OK on time payments 4 times XXXX, XXXX, XXXX, XXXX, when in fact the car was repossessed and auctioned off in XXXX of XXXX so reporting on time payments after that is illegal and a violation of the FCRA, I submitted a complaint around XX/XX/XXXX and they responded XX/XX/XXXX that I didnt provide any new information and what they have reported is correct which is a lie, I called EXETER XXXX XX/XX/XXXX at XXXX ( PT time ) and I spoke with XXXX who XXXX to her higher up XXXX who told me after speaking with her manager they arent sure what the usc codes in my complaint means, but they closed the complaint out. How can you close a case as accurate when you never investigated in the first place. Im trying to save this company money as well as both of us time on having to go through a lawsuit. I want the account terminated and deleted from my credit report immediately as the company has violating multiple FCRA laws and now making false responses on the cfpb complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received alerts on my email that my there was a request for credit through several creditors one of which CAP1/menards  ( capital one ). I called on XX/XX/XXXX and attempted to speak with someone but their office was closed. I called again on XX/XX/XXXX and spoke with someone and advised them of the situation and they stated that letters would be sent the the credit bureaus to remove the inquiries and a fraud status would be placed on the application to have it removed and this proves can take up to 90day. I waited a few months and I saw that some inquiries were removed. As I was trying to apply for credit somewhere else I pulled an updated report and noticed this inquiry was still on all XXXX reports. I called XXXX on XX/XX/XXXX they confirmed they receive the letter and removed the inquiries I called XXXX and XXXX on XX/XX/XXXX and XX/XX/XXXX and they stated they never received it. and advised me the only way to get them removed the quickest was to request Capital one to send the letter requesting the removal. I called Capital One on XX/XX/XXXX and spoke with several agents who transferred me from one party to another given options that did not help me in this matter. They kept bringing up and giving the wrong information and then to be transferred to a supervisor I spent over 45 minutes on the phone and still haven't gotten it resolve through all the XXXX  and frustration I released the line because they were not trying to help me. 

the report I generated is from XX/XX/XXXX however XXXX and XXXX was able to tell me that the inquiries are still listed on my report.
Product: Debt collection

They called my cell phone and left a message and then went as far to call my place of employment and ask for the Human Resources department. This is an embarassment to me at my place of work for three years over something I dont even know of. Possibly debts that were from my XXXX. I am XXXX.
Product: Student loan

In Spring '19, I last attended Florida XXXX XXXX and I called Navient to inform them that I needed my account on forbearance until I went back to school. I was told on a recorded line that it had been escalated to be resolved. However, in XXXX of this year I saw a very hard drop in my credit scores due to the account never being put in forbearance. I then called and explained I never received any calls, statements or any notice of me being late on any payments, where I got tacked on with 17 late/missed payments. I am beyond upset where now this is causing me financial hardship and I'm unable to attend school at getting a further education where I'm being denied access to funds.
Product: Credit card or prepaid card

Opened a secured credit card with discover card, over a month ago, was approved and received my card, was not able to login to activate, called and activated card, was not able to use card as needed because they put a security hold to verify info, asked me to sign a government form do they could get 2 years of tax returns, told them I was working out of the country since 2005, they said go ahead sign form and send it in which I did, I called them a week later and they told me to send 3 months of bank statements which I did, then I get a email and was able to login,4 days later they blocked my account, I called them and resent bank statement s, now weeks later account STILL won't work
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies Involved : XXXX Equifax Dispute : " XXXXXXXX XXXX XXXX '' : {$170.00} balance While XXXX has removed this collection notice, Equifax and XXXX services have not. Additional disputes have been unsatisfactory as both online and telephone services are non-functional. 

This collection needs to be removed as I moved out of XXXX in early 2021, after having just graduated ( spring ). This was immediate, as in significantly earlier than my lease end date, thus ending energy usage prematurely ( close account requests ). Bills are dated for much later ( summer/fall ), with fees, that XXXX has already stated does not exist under their agreement with Ohio lawmakers . 

Originally I was going to submit a small claims against " XXXXXXXX XXXX XXXX '' but I can not ( temporarily ) at this current time due to the realization that they don't have a registered agent or conduct business in my home state ( New Jersey ). As recommended I will however consider this CFPB complaint as the two separate arbitration proceedings against Equifax and XXXX. After an appropriate amount of time, I will file a claim at my local courthouse.
Product: Credit reporting or other personal consumer reports

XX/XX/year> a news address was added to personal credit information and notified by XXXX. 
Called Experian which was triggered for personal changes entered. 
Address was added with no affiliation and Experian froze account and entered a fraud alert. 
Experian reports that the address will be removed in 24-72 hours. 
Experian Credit could not provide if the change address was attached to the opening of new loan or credit card.

Report to the XXXX  to open a fraud report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant ty 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawf authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 


By obtaining my CREDIT BUREAU consumer report on DATES without my permission without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( " FCRA '' ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not initiated any transaction with The following companies please remove thes items IMMEDIATELY : LIST INQUIRIES FROM THIS SPECIFIC CREDIT BUREAU } XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 15 U.S.C. 1681n ( a ), " Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. '' By willfully violating the FCRA, I am willing to settle your civil liability damages have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter before tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days. receipt of this notice and demand, I will seek actual damages which are ( reater than {$1000.00}. 



Thank You
Product: Credit card or prepaid card

On XX/XX/XXXX my credit card with Capital One Mastercard was compromised. I requested a new card and the old card was canceled. Before I got my new card, there was another attempt for a fraudulent charge from XXXX but it was declined. I received my new card and in XX/XX/16 Capital One gave my new card number to XXXX even though I have never paid XXXX before so I was once again compromised!. I realize credit card companies usually update card numbers with reoccurring charges but they should at least check to see if the merchant was ever paid before. I ended up canceling my entire account because they could not promise it would not happen again. I also tried to call XXXX but they are not answering their phone so I could not let them know that someone opened a fraudulent account in my name. Credit card companies should not be allowed to provide your information to anyone or at the very least I should be able to opt out of this practice. I'm appalled that the actual credit card companies are allowed to be unsafe with our information!
Product: Payday loan, title loan, personal loan, or advance loan

Upgrade took adverse action and lowered one of my credit accounts to XXXX They sent me a letter stating the adverse action was based on information obtained from XXXX XX/XX/XXXX and a credit score that was not disclosed. 
I called to question this action and the impact to my utilization, I was told that they did not have to follow disclosure requirements and adverse action requirements because they are a line of credit and not a credit card. I think they are lying. 
The accounts have credit cards linked to them for use. The instrument behaves like a credit account and should be held to account. it is really gray how they are running these accounts. 

I am utterly confused. 
I asked for the specific information relied on to make their credit decision and they refused, stating it was based on an electronic communication received XX/XX/XXXX. I asked, well what if it is wrong. I requested specific information as 3 entities are listed on the letter. 

They refused yet again, I have asked repeatedly for this issue to be escalated, because I do not feel they are following the rules and are doing a sloppy job. As a consumer, I think it is a tactic to deter paying off your debt and keeping your scores low so you can not refinance. Something is wrong with this. How can you use XXXX information to make a credit decision 2 years later XX/XX/XXXX. If you are not relying on this report, I have a right to see what you used so I can correct misinformation or inaccurate information about me. I have 2 accounts and the letter does not identify or specify which on or anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX BANK XXXX Date Opened : XX/XX/XXXX Balance : {$420.00}, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX Balance : {$420.00}, XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}, XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XXXX. XXXX, XXXX XXXX : {$13000.00}, and XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX XXXX : {$6500.00}.
Product: Debt collection

This debt collection agency is engaging in abusive, deceptive, and unfair practices of the FDCPA which is strictly prohibited. This account was furnished to the credit reporting agencies against me though I have no signed contract nor did I verbally agree upon doing any business with this company. More so, though I requested the full 5 step procedure to validate this debt, they didnt validate anything. I did not enter into any verbal nor written contact nor agreement with this company and so this company is engaging in unfair practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint myself and there is no third party involved. These accounts are inaccurately and erroneously reporting. The Equifax intentional and willful furnishing of inaccurate information is a violation of FCRA. I have done many attempts to reach out to Equifax Credit Bureau but they failed to give me any results or feedbacks about this concern, and where are the proof of payment history for these accounts? I am asking for your assistance to investigate properly and correct them from my personal credit file. The Equifax Credit Bureau should correct the following accounts right away : DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I pulled my credit report and I have several fraudulent accounts. Please help me! Thanks so much
Product: Credit card or prepaid card

I tried Customer Service, and they were very professional and polite, and said that the promotional rate set by marketing for balance transfers was the only option and that there was no room to negotiate ( I asked to speak with someone else to negotiate, my idea, not theirs ). The promotional rate is 22.8 % which is just too high. I'd be willing to go 0.00 % for 12 months and then that amount for a transfer of {$2300.00} from XXXX. 

Thank you, Let 's talk.
Product: Checking or savings account

On XX/XX/year> I was to receive a direct deposit from my employer in the amount of {$1400.00} from the Commonwealth of PA to my Capitol One 360 checking account. The funds were never deposited into my checking account. When I attempted to contact the bank they either refused to answer the phone or I was hung up on when they found out why I was calling. It has been over 24 hours and I still don't have my paycheck.
Product: Credit reporting, credit repair services, or other personal consumer reports

A year ago my wallet was stolen with all my identification in it and every since then my identity has been compromised. Accounts and attempted accounts been appearing on my credit file, unknown and unauthorized by me. Therefore, I'm demanding the the following accounts be removed and blocked from my credit file immediately. 

1. XXXX XXXX XXXX 2. XXXX XXXX   XXXX