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

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a XXXX for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX, BK OF AMER XXXX
Product: Credit reporting or other personal consumer reports

I have filed several police report and FTC report showing I haven't been to XXXX XXXX XXXX XXXX XXXX, I lived out of the country for 7 years from XXXX XXXX XXXX XXXX fairway capital recovery always reports and tries to collect money on a fraud medical collection and they know I haven't been in the country, this is the 4 collection they have tried to collection and stated to me in XXXX they would never hold or try to collection on any medical collection against due to they know I don't live in US. I have now filed legal actions with my attorney XXXX XXXX XXXX XXXX  and now he has reported fairway capital recovery the NC insurance commissor for having knowledge of several accounts with medical this company is trying to collect and trying to due finiacial ruins.
Product: Debt collection

I am a XXXX and XXXX XXXX service member in the United States XXXX. 

From XX/XX/XXXX through XX/XX/XXXX I lived in XXXX, New Mexico, while stationed at XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, a collection company named XXXX XXXX XXXX XXXX XXXX XXXX  XXXX sent a letter to my parents house ( my military home of record ) saying that I owed {$150.00} relating to an unpaid service bill with XXXX XXXX XXXX XXXX They have sent several other communications since. 

I have never been a XXXX customer. While I lived in NM, my service provider was XXXX  ( I can provide receipts of payment to CenturyLink during this time ). 

I called the telephone number on the complaint to dispute the claim. I called XXXX. They said they couldnt help me and referred me to XXXX. I called XXXX in late XX/XX/XXXX, and they directed me to their fraud department. I submitted a fraud packet on XX/XX/XXXX in order to have the claim disputed. 

On Monday, XX/XX/XXXX my credit score dropped XXXX points due to this fraudulent collection. 

When I called XXXX to dispute this, they gave me some info about this account that I had never heard of : XXXX. The account was opened on XX/XX/XXXX. 
XXXX. It was closed/suspended on XX/XX/XXXX. 
XXXX. My address at the time was at a home in XXXX, NM XXXX. The address that this service opened at was an apartment complex for which I never lived and have absolutely no relationship with At this juncture, I want the fraudulent collection to cease and for my XXXXredit score to return to its pre-fraudulent collection status.
Product: Credit card

I spoke directly to XXXX to cancell my reservation they told me they would have to reach out to the XXXX on XX/XX/XXXX to get a refund on the hotel, i did not hear back from them withing 3 days as they told me I reach out my self directly to the hotel and they inform me on XX/XX/XXXX that this could be done but it needed to be put trough directly trough XXXX i call XXXX again and have them the information of the person i contacted directly and told me they would take care of it an cancel it the date of the reservation came and it never got refunded on XX/XX/XXXX they send me an email confirming that they will get back to me and they to this day have not
Product: Student loan

I am being charged interest on my loans which have been in administrative forbearance since approx XX/XX/year> and should not be accruing any interest. All loans are in SAVE plan at this time.
Product: Credit card or prepaid card

Hi, My name is XXXX XXXX. 
Ive recently been a victim of a debt consolidation company that causes a big impact on my credit score. One of the agreements with them is that I can not make any payment with chase cards until they negotiate a payment plan reduction for me, which I didnt know that will causes my credit score to dropped dramatically. 
Ive already cancelled my contract with them but I still need to chase to update this in their system so that they can adjust the credit bureaus to bring back my original credit score. 
I can be reach by email XXXX XXXX XXXX or my mobile at XXXX. 
Thank you XXXX
Product: Debt collection

This account was opened fraudulently by the reporting agency I don't owe them anything. They tried to get me into a XXXX year contract. You pay in front to start a policy. I told repeatedly the operator that I wanted a month to month. policy. He was yes, yes you'll not have a contract. If you're late they immediately send you a warning that they will cancel your policy if you don't pay that particular month. Therefore I'm sure I don't owe them anything. The policy was cancelled when I stopped paying for it. I also called to cancel my policy was still current. I didn't have any balance pending. Their allegations are that I was told. Which I never was, But I never have had a contract with any insurance, I pay as I use it a month to month.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and my wife filed for bankruptcy in 2013, due to excessive credit card amounts. A company called LexisNexis was giving out questionable credit information so they agreed to refrain from giving out information without my consent. I spoke with them earlier this year and placed a freeze on my account. 

As I am XXXX  years of age and my only income is Social Secur4ity, I deal only in cash or bank cash card. No credit cards. 

As Insurance rates have increased drastically, I recently went shopping for a lower rate and bam XXXX XXXX XXXX has notified me that my reported insurance score is 609and therefore a much higher rate will be charged. I have never defaulted or made a late payment on my insurance. Tower list reason given, XXXX. These reasons by themselves are very questionable, but have no bearing on XXXX XXXX.
Product: Consumer Loan

My name is XXXX XXXX. I am a resident of XXXX county Florida and the owner of a Mercedes-Benz car. I 've been in a tough financial times recently and fell only 69 days past due on my car loan. Mercedes-Benz financial services aggressively pursued my past due by contacting my ex wife who lives XXXX miles away, has not been seen in 7 years, is not affiliated to the loan, and that they do not even have her contact number. MBFS, also contacted my extended family including my 70-XXXX father in regards to my past due debt. All of these phone numbers could only have been obtained through public searches. These phone calls were personally disruptive causing terrible pain to my current fianc and unsettling my home. This personal violation was irresponsible, a violation of my privacy, and also is considered aggressive unethical business practices. I called Mercedes-Benz financial services and spoke with XXXX a collections XXXX specialist. While XXXX empathized with my situation and apologize for the individual violation, he could not remedy or change MBFS policy. I asked XXXX to elevate my concerns and for a call back from Mercedes-Benz by one of his managers. I would like that these kind of violation and these tactics are not to ever be used on myself or more importantly other consumers who have loans with Mercedes-Benz. I feel at the CFPB may be my only help to implement policy or legal changes so these kind of collection tactics are never used again. I feel that bringing to light these tactics may be publically embarrassing to Mercedes Benz as privately violated I have been.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got scammed 2 years ago which end up having BB & T bank closing my account and removing the remaining money i had. Then 2 weeks later someone try to cash a fraud check in a state which i never been. The bank flagged me to all other banks. Then the branch closed and later bought out by another bank. Now 2 years later i am trying to build my credit and open a account with a bank. And i am unable to do so. The newest bank manager said to get the information from the former bank about the situation. But the is impossible. I need that hard inquiry removed as i am a victim and being punished for it.
Product: Debt collection

Recently I XXXX XXXX, formerly known as XXXX XXXX was sued for a very old collection account. I demanded a full investigation as to the age of the debt, and I won in the XXXX XXXX XXXX as the debt simply was no longer enforceable. So, I started to do some additional research pertaining to a default judgment entered against me in XX/XX/2018 by Troy Capital LLC, as assignee for XXXX XXXX XXXX. I now have a judgment against me that had no right to ever be before a judge in the XXXX District Court, XXXX XXXX XXXX, XXXX, MA XXXX. I am going one step further by stating that the original debt with XXXX XXXX XXXX had been in default for well over seven years, and for that matter the account is not even posted on any of my credit bureaus. The debt buyer known as Troy Capital LLC is protected within the XXXX of Massachusetts from even licensing as a debt collector as per recent Superior Court decisions as well as a mandate from the Massachusetts Banking Department. A law firm know throughout the XXXX of Massachusetts as XXXX XXXX  XXXX filed the lawsuit, and I was never given proof of ownership of debt from XXXX XXXX XXXX that Troy Capital LLC had the necessary assignments of debt, and/or any upset price on the purchase of said debt. I am a woman of XXXX  status, being a person of 50 % XXXX and 50 % XXXX heritage. I work a very responsible job for the XXXX of Massachusetts, and I believe that debt buyers target minorities due to their limitations within the financial system in general. I have been the target of racism and I do not believe that proper due diligence was proved on ownership in the judgment posted against me. I hereby demand a full vacatur of the judgment against me immediately, and a return of all funds seized from my payroll checks. I will take the following actions within 30-days if my  rights under the Fair Debt Collection Practices Act as well as the Fair Credit Reporting Act are not protected : 1 ) I will submit a bar complaint against XXXX XXXX  XXXX and XXXX XXXX XXXX, Esq. 
2 ) I will submit additional complaints within the XXXX of Massachusetts agencies such as the Office of Attorney General and the Massachusetts Department of Banking. 
3 ) I will submit complaint with the XXXX and XXXX XXXX, as I believe that a proper investigation will prove XXXX bias in the debt purchase scam, as well as with their lawyers that enforce these judgment actions in our district courts. 
4 ) I have three additional areas to steer this issue to that I will reserve at this time. 
5 ) XXXX XXXX XXXX XXXX violated my rights by submitting my collection information outside of legal timelines, and should be sanctioned by the CFPB. 
Please take my complaint with the Consumer Financial Protection Bureau serious and address my concerns. I do have a civil rights lawyer from XXXX who wants to come on board with my complaint, but I told him that at this time I am trying to protect my family and would like to see if the problem could be resolved peacefully without additional actions. 
I demand that the judgment taken against me be vacated immediately and all seized funds returned. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

In response to the recent investigation, I hereby submit my disagreement with your findings and request complete accuracy in the matter. I am not convinced that sufficient efforts were made to contact the creditor responsible for reporting the account information in question on my credit report. Therefore, I am seeking further information regarding the specific account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, I request notification once the account has been updated. Following this update, kindly provide me with an updated copy of my credit report to the address specified.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am writing to request information about the multiple accounts XXXX XXXX XXXX on which is reporting on all three credit bureaus XXXX, EQUIFAX, XXXX credit report in which you continuously state verified but continually refuse to show evidence. As per Section 609 of the Fair Credit Reporting Act, I am entitled to see any sources or documents you have on record regarding these accounts, including the original contract with my signature and the credit application.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX19 I did not authorize the Auto dealership to bombard my credit report with 13 inquires. When I saw this the business manager told me that the 13 would become 1 since I was approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 after attempting to set up an account through annual creditreport.com and through Trans Union directly, I was unable to set up an account. They sent me an email request for identity verification. I submitted to them my Social Security card, my passport, a utility bill and my drivers license photo. 

XX/XX/2020 I received an email from their fulfillment department stating that they had received my identification documents and they had been excepted. It said that the security lock had been removed from my account. They asked me to give it 5 to 10 minutes before logging back in. I attempted to login to view my credit report and it locked me out and said that I was using the wrong information. Such as user ID or password. 

XX/XX/2020 I was emailed and told that my login name reset was successful but I was unable to login with the new user name. 

XX/XX/2020 I was sent an email by Transunion that included a temporary password to login. Again I could not login using the temporary password either. 

XX/XX/2020 I was sent an email by Transunion that said my login information had been updated. I was not able to login. 

XX/XX/2020 I received an email from Transunion that said due to security reasons they were required to lock my account because it was set up fraudulently. They said their records indicated that at some point someone in the past or myself indicated to Trans Union that my account may have been set up an error. I myself never contacted Trans Union and said my account had been set up in error ever. They XXXX went on to say that this is something that may happen when a customer enters an incorrect Social Security number when they are attempting to set up their own account. They said that they placed a lock on my account because they were legally required to keep it locked and I would not be able to access my report through the website. However I was able to either requested by mail or by phone. These are the same options that I tried before and I tried them again after that letter/email and again, it took me through the same loop again unable to get my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, Hancock XXXX XXXX ( via XXXX XXXX XXXX ) did a credit inquiry against my wishes. I only gave them permission to run a credit inquiry through XXXX XXXX XXXX XXXX. I would like them to remove the credit inquiries from each credit bureau they used.
Product: Debt collection

This timeshare was purchased in XX/XX/2018after my husband and I attended a presentation while on vacation. There was quite some pressure to make this purchase as the associates there were VERY persistent. On top of all the alcohol they kept encouraging us to drink. We were on vacation so obviously we obliged to a little fun. We have literally never used the timeshare and we are just incurring too much debt with the maintenance fees. The presentation was a bit of a mess due to the fact they were talking so fast and they kept bouncing around from topic to topic. Now I can see they just wanted a signature for their contract but back then I was being sold a " dream. ' We were fed many lies and a lot of empty promises were made. None of which we have seen in action. And after a few drinks, well, here we are. I felt we were taken advantage of due that we were a little older and celebrating our retirement. Immediately, after the purchase we were forced to submit to financial hardship due to the pressure from the associates who conned us. Numerous times we tried to contact them for a cancellation and numerous times we got the run around. That is when Meridian came into play. They contacted us saying we owed them money, which came to a surprise to both of us as neither one of us ever agreed or signed off on any documentation for assistance from Meridian. We have asked them to cease all communication but they are also a persistent group and attempt to collect the debt consistently and it is now showing up on our credit reports. For me personally, this comes off as predatory  lending and simply an opportunity to take advantage of a more mature couple. We can no longer take the constant phone calls harassing us for payments.
Product: Checking or savings account

My Name is XXXX XXXX and on XXXX XXXX a letter was mailed to me from Santander Bank congratulating me on opening my new account with them. I received the letter in my mail on XX/XX/XXXX. The problem is that I did not open an account with them. I tried to contact the bank by telephone and after 30 minutes on hold I hung up and decided to go to a local Santander Branch. I am not nor have I ever been a customer of Santander Bank. I spoke with XXXX at the XXXX XXXX branch in XXXX MA and she helped me in contacting Santander fraud department. 
XXXX tried to be helpful. When the fraud department was contacted they took a statement from me and asked questions for their investigation. I was then told that the fraud department may or may not call me to ask further questions. Then I asked a few questions of my own. I asked for contact information for the fraud department to follow up on their progress on resolving the matter on the account. I was told that the fraud department does not have a contact phone number. I then asked how I would know things were resolved and the account closed. I was told to check with the credit agencies and to let them know that my identity was compromised, but gave me no indication that Santander, who opened the account, would let me know when this situation with them was resolved. 

I then asked if they had any information on where the account was opened and how much money was used to open the account and they were unwilling to give me any information. I have not opened a new bank account in a number of years, but I said I thought an ID and validation of a social security number were required to open an account. They would not answer that information other than to state it was possible for someone to open an account on line and would not answer me when I asked if they collected what I thought would be the proper documentation required to open an account. I became very frustrated as I am obviously a victim of identity theft and the bank was unwilling to help me gather details on the situation for me to report this to the government, the credit bureaus, and companies that I have a financial relationship with such as credit cards, my mortgage company, etc. 

Can you please explain to me what banks are required to do when opening an account. Specifically, what documents do they need to inspect before opening an account ( driver 's license? proof of residence? social security card? ) Also, I would like to register a consumer complaint on how I felt I was being stonewalled and restricted from obtaining information on the resolution of the specific transaction involving the theft of my ID with them.
Product: Credit reporting or other personal consumer reports

Affirm Inc - Account : XXXX Affirm Inc XXXX Account : XXXX Violations of Privacy and Opt-Out Rights [ 15 U.S. Code 6802 ] : I am asserting that Affirm failed to conspicuously disclose, in writing or electronically, the disclosure of nonpublic personal information to nonaffiliated third parties or credit reporting agencies. Furthermore, I was denied the due process and opportunity to opt out, a violation of Section 6802 of the U.S. Code. Gramm-Leach-Bliley Act ( GLBA ) 15 USC 6802. - Obligations with respect to the disclosures of personal information. 15 USC 6802b - Opt out. A financial Institution may not disclose non-public personal information to a non-affiliated 3rd party, unless Under this law, the consumer must get XXXX disclosures before that information can be exchanged, and the consumer must agree to it. Breakdown the unless portion- Disclosure A - Such financial institutions clearly and conspicuously disclose it to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this data that such information may be disclosed to such 3rd party. ( I was not provided with this disclosure, nor was I given an opportunity to authorize or decline. ) Disclosure B - The consumer is given the opportunity before the time that such information is initially disclosed to direct that such information not be disclosed to such 3rd party. ( I was not provided with this disclosure, nor was I given an opportunity to authorize or decline. ) Disclosure C - The consumer is given an explanation of how the consumer can exercise that non-disclosure option of how the consumer can exercise that non-disclosure option. ( I was not provided with this disclosure, nor was I given an opportunity to authorize or decline. ) Affirm is reporting on XXXX.
Product: Credit reporting or other personal consumer reports

My TransUnion credit score report is an absolute mess. Many negative-factor statements contradict the positive-factor statements, and are also either old or inaccurate. I received an " adverse credit '' disclosure notice from my auto insurance company ( XXXX  ), so I had to check to see what's going on because I know my FICO and VantageXXXX scores are very high and above average. I stay on top of my payments and information and data. The errors are on their end and it's becoming very frustrating to deal with.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Cresit Reporting Act ( FCRA ) to conduct reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolve. The Consumer Financial Proctection Bureau CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to finishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. these failures align with my experience, where experian has neither correscted or removed disputed items despite the evidence I provided, causig ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.