23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to express my deep disappointment and frustration with the continued mishandling of my account opening process. Despite our previous discussions and the assurances provided, I find it unacceptable that a several attempt was necessary to address the tardiness in opening my account. 

I had hoped that our initial correspondence would have prompted immediate action to rectify the situation. However, the need for a second attempt indicates a failure to address the underlying issues adequately. 

I urge you to take immediate action to rectify this situation and ensure that such delays do not occur in the future. Additionally, I expect transparent communication regarding the steps being taken to prevent similar occurrences and a commitment to improving your account opening processes. 

Please treat this matter with the urgency it deserves and provide a prompt resolution. I value the relationship I have with your company and hope to see improvements in your service standards going forward. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXX  XXXX Balance Owed : {$200.00} ; XXXX XXXX XXXX Balance Owed : {$16000.00}.
Product: Debt collection

Midland Credit Management sent me a first letter dated XX/XX/XXXX. I did not receive until today XX/XX/XXXX. 

This credit card debt is for XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that was XXXX on XX/XX/XXXX. On XX/XX/XXXX this debt was sold to Midland Credit Management ( " MCM '' ). I filed for XXXX Bankruptcy on XX/XX/XXXX. I no longer owe this debt. 

I asked my Bankruptcy Law Firm today, XX/XX/XXXX to send a " Cease and Desist '' Letter to Midland Credit Management , Inc . 

The amount of the debt is {$1900.00}, that I no longer owe due to filing this Credit Card in the bankruptcy. 

This Debt Collection should not even exist and they need to " Cease & Desist '' the debt collection attempt for a debt I no loner owe due to XXXX Bankruptcy that was filed on XX/XX/XXXX, and the XXXX XXXX # XXXX was included in the filing. Any further collection is tied to that filing. This debt collection needs to stop.
Product: Credit card or prepaid card

In XXXX 2016, I received an unsolicited call from XXXX XXXX at XXXX XXXX, XXXX. I was told about what they do and how they could help my online business, then he convinced me to buy one-on-one social media training and coaching for marketing, and a XXXX XXXX and XXXX business page design. This company was working in conjunction with XXXX XXXX  on creating e-commerce marketing. ALL OF IT WAS VERY BASIC COACHING THAT WOULD LAST A MERE 5 OR 10 MINUTES, THEY WERE SUPPOSED TO DRIVE TRAFFIC TO MY SITE, NO SPCECIFIC DESIGN WAS CREATED OR GIVEN TO GENERATE TRAFFIC TO MY WEBSITE. 
I PAID thousands of dollars to them, and in the end I had to actually end of having to do the work myself and building a following something they were supposed to do. 

I did not receive the product and services as was described to me. I find that not only did they misrepresent and not provide the services, they knowingly mislead me into thinking I would be getting a website with marketing that was superior to my current online business, and their lack of efficiency ended up costing me thousands. 

PLEASE HELP ME GET MY MONEY REFUNDED AND HELP OTHERS NOT BECOME A VICTIM!
Product: Credit reporting or other personal consumer reports

XXXX XXXX, EXPERIAN XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX XXXX were sent Notice to Cease and Desist reporting of several currently reported injurious claims ; unproven yet to be factual and physically validated as true, correct, complete, timely and certifiably Metro 2 format compliant. XXXX XXXX XXXX XXXX  currently appears on my credit profile, twice, for the same alleged debt. 

The claim by XXXX XXXX XXXX XXXX was to be checked for requisites and immediately removed from reporting of ONLY factually true, complete, timely, validated and certified allegations. This original Notice was sent XX/XX/year>. XXXX XXXX, EXPERIAN XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX failed to provide any of the requested information. 

Per my States reporting regulations and the applicable federal guidelines for lawful and compliant reporting of consumer credit, it is unlawful to assume report-ability of any claim without physically verified proof of fullness of truth, completeness of accuracy, timeliness of validity and/or certifiable compliant reporting elsewise to include but not limited to the standards and mandates described or hinted at via the applicable FCRA AND FDCPA laws XXXX much less the standard of compliant reporting of the documented perfect and complete Metro 2 Format compliance of reporting. XXXX XXXX, EXPERIAN XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  's current reporting practices are significantly deficient and unproven to be factually true, correct, complete, timely, validated, and/or elsewise certified compliant as related to the mandates and standards of lawful reporting, per the applicable aspects of FCRA and FDCPA to include but not limited to the mandatorily perfect and complete certified Metro XXXX format reporting. 

XXXX XXXX, EXPERIAN XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are reporting inaccurate and incomplete information, in regards to the below noted allegedly derogatory account. 

A complete dissection of XXXX XXXX, EXPERIAN XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX unlawful reporting is attached to this complaint. The attachment details nearly four years of unsubstantiated reporting.
Product: Checking or savings account

over draft and insufficient fund charges money is never taken when it supposed to
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN has committed fraud and falsely reported accounts, addresses, inquiries, and employers on my consumer report.
Product: Debt collection

I am being sued for {$2500.00} from XXXX XXXX XXXX for an account from the Original creditor : SYNCHRONY BANK .I have recieved no phone calls about this account and i have changed addresses so i have not recieved any mail about this account.The first i heard about it was when i was served a court summons. I am living on XXXX payments and have no other source of income.I do not own a house or property and have no savings so there no way i can pay this.Now they sent me a court summons to appear in court on XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to furnish data on credit file improperly. XXXX  debt is satisfied and was eligible for removal. Company failed to comply according FCRA guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' TOWN OF HEMPSTEAD EM 15 LATE PAYMENTS Balance details 37 % paid off Balance {$1800.00} Balance updated XX/XX/XXXX Original balance {$3000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Installment Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX - - XXXX - XXXX - - XXXX - XXXX - - XXXX - XXXX - - XXXX - XXXX - - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX - PAYMENT HISTORY LEGEND Status At least 120 days or more than XXXX payments past due Status updated XX/XX/XXXX Past due amount {$1500.00} Original balance {$3000.00} Monthly payment {$96.00} Additional info Responsibility Individual Account Terms 36 Months Company sold - Original creditor - Comments CUSTOMER UNABLE TO LOCATE CONSUMER FIXED RATE Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX NY XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.
Product: Debt collection

Atlantic Recovery Services has been calling and harassing me about an XXXX debt for XXXX dollars from 2017. Which I am pretty certain I already paid years ago. I have been getting constant calls and now they have been calling my family members! I asked them to stop and they ignored my request. I dont know if this is even a legitimate company. As I said this is from 2017. I havent heard from anyone about this until now. 7 years later Im getting calls?! 7 years is a long time to not hear about a supposed debt I owe which I think I already paid. Its been quite a long time. It says in the fine print : Collectors may not tell another person other than your attorney or spouse. You have already called my parents multiple times after I specifically asked you not to. And you called my Aunt today. I am reporting this to the FTC.

Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may not contact another person to confirm your location or enforce a judgment.

I am getting calls 10 times a day. My parents and my aunt are now getting frequent calls! I told them to stop and they are violating the rules clearly stated. 

Original Account Number : XXXX Original Creditor : XXXX Current Creditor : XXXX XXXX XXXX XXXX ID Number : XXXX Current Balance : {$680.00}
Product: Debt collection

I detest this! I have already invested a significant amount of time sending disputes and writing complaints, but I have yet to see any outcomes from my disputes. This is causing me great distress and pain.
Product: Credit card or prepaid card

I've had a credit card with First National Bank of Omaha ( FDIC  CERTIFICATE # XXXX ) since XX/XX/XXXX, I don't use it all the time. I have had a XXXX  balance for over a year, On XXXX XXXX, ( in the midst of the Covid-19 lock down ). I get a letter stating they had closed my account. I can understand that, so i called to ask if they could reinstate it because i do use it periodically. They said they could NOT re-open it, but I could fill out a new application and reapply. Here is my Problem. When they closed the account with no notice 1. that decreased my credit limit by XXXX dollars which means my the percentage of credit i'm using of my available credit went up. 2. it decrease my average length of time I've had credit. 3. by applying for a new credit card they will do a credit inquiry, These things will adversely effect your credit. I did call, the I emailed them through their website. " XXXX XXXX Customer Care Senior Specialist '' could care less, typical response - we take our customers correspondence Seriously and appreciate ... ... .. '' your credit rating/score effect interest rates on insurance, vehicles, etc. I think is a shame, while people were on lock down and other businesses were working to ease the pressures for people, FNBO was pulling credit from people who don't use their cards everyday but might actually really need them in the near future. While I '' m guessing, there is nothing we can do, I'm still electing to write my senator and congressmen and CFPB to let them know something should be done about these kind of things, especial in the midst of a world wide crisis, do banks really need to deactivating good customers lines of credit. I have other credit cards, but it's not just about me, what about people who might actually need their credit card now and this has been done to them. I think is a shame.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing this report because I have been a victim of identity theft for a very long time. I have literally contacted every creditor regarding this matter because this issue has been taking place for a very long time. My personal information has been compromised from the first month that I arrived to the United States. I arrived to the XXXX at the state of California at the end of XX/XX/XXXX and ever since I lived in the state of California. At XX/XX/XXXX, identity thieves used my personal information such as social security, name, date of birth and etc. to open multiple accounts with XXXX XXXX. Later, they used my information to open an auto lease using my personal information with XXXX XXXX XXXX. When I contacted XXXX XXXX SERVICES to inform them of this fraudulent activity recently they told me there is a balance over {$8000.00} and it needs to be paid by me. I informed them that I never leased or bought a vehicle with XXXX because I can not afford a XXXX and that is the harsh reality. However, they still insist that the account is mine. I never signed any documents with XXXX and I never leased a vehicle with them because I know my financial capabilities and I can not afford a XXXX. XXXX is refusing to even conduct an investigation. This is an identity theft matter and XXXX representatives are taking this as a joke and not even complying with my request to remove this derogatory account from my records. If this is the case of an identity theft or case of mistaken identity it does not matter to me. I request that this vehicle loan is removed from my records because I never leased or bought a XXXX. I've been told the vehicle is a XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting

Was told that an inquiry, although was never authorized, and the company that pulled it without my authorization said in an email they would remove it after Experian received my dispute. I contacted Experian and they said " it is our policy that the company pulling must contact us to remove it ''. I said " what sense does that make if the company that pulled it illegally has to give permission? ". The case is still not resolved and I have an inquiry on my record.
Product: Money transfer, virtual currency, or money service

My XXXX XXXX debit card was hacked. The hackers used PayPal for 5 transactions. PayPal refunded me for 2 transactions but refused/denied for 3 transactions even though 2 of the denied transactions were to same person as one reimbursed transaction. Anyway, I did not authorize my debit card to be used for a transaction on XX/XX/XXXX for {$120.00} to XXXX or XX/XX/XXXX XXXX for {$82.00} ( twice ) to XXXX . You can see they aren't on my PayPal account, just showed up on my debit card account and obviously on someone else 's PayPal account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several disputes with the following credit bureaus TRANSUNION, XXXX, XXXX, I have request update credit reports and have received no answer to my disputes nor for the update credit report request.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, after sending out multiple letters to the credit reporting agencies Transunion, XXXX and XXXX have continued to violate my rights as a consumer and have failed to provide me with any valid documentation regarding negative inaccurate reporting and accounts they have been placing on my consumer report. 

A proper investigation has not been done after many attempts to remedy the situation and inaccurate reporting such as the date reported, last active dates, balance amounts and payment history continues to be reflected on my credit reports due to the CRA 's lack of professionalism and honesty in reporting. I have never been given any proof or valid documentation by the CRA 's to show that an actual investigation on my credit reports have been made, after consistently asking them trough writing for a proof of their claims. 

NOTHING WAS SENT TO ME! 

In accordance with the Fair Credit Reporting act acct # XXXX XXXX XXXX  XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX  XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX acct # XXXX XXXX acct # XXXX XXXX has violated my rights as a consumer. 15 USC 1681 section 602 A states that I have the right to privacy. Also 15 USC 1681 section 604 A section 2 states that a consumer reporting agency can not furnish an account without my written instructions and consent. My rights are being violated and this needs to stop immediately!
Product: Debt collection

They say I owe a debt so I sent them a debt validation letter, notice of dispute, & letter of demand. I let them know they law states they cant attempt to collect during a dispute and they are still trying collect saying I have to pay by the XXXX.
Product: Vehicle loan or lease

I contact ed gm financial and reque sted hardship assistance to defer one payment because I was in the hospital fo r 2 w eeks with no pay I almost died had to have  XXXX    XXXX   a nd gm financial wont as sist they keep saying I do n't qualify for a deferment I do n't understand how I have my car for 14 months and have never missed a payment.
Product: Money transfers

I have been locked out of my google wallet account and will not be notified of the reason for such. I have emailed, called, and contacted multiple times with no useful response to the issue. I feel that I have the right to know why incase there was something that could have been compromised with my account and/or personal information that google keeps on file.
Product: Credit reporting or other personal consumer reports

Mortgage lender has tried over a dozen times to pull my report and keeps running into a bureau remark that states ''Information from your inquiry has been identified as potentially fraudulent or misused, therefore the credit report is not available for delivery ''. I've called XXXX numerous of times and they keep stating that the information enter is correct and there isn't nothing stopping the lender from getting the report. I've seen online that there has been many cases with people that have had this same issue with just XXXX.
Product: Credit reporting

I contacted TRans Union and did an online dispute because they are reporting that I missed XXXX mortage payments. I have not missed payments, my mortgage payments are LATE. a big difference from missed payments. If I truly missed XXXX payments my house would be foreclosed upon. I contacted them twice and they told me both times they are reporting correctly and the information has been verified by my mortgage company, XXXX. I contacted XXXX and they said they are not reporting it as Missed payments, just late payments. I ca n't get Trans Union to update or correct this. I have attached the email from Transuion showing the results of their investigation or the XXXX time and it still shows XXXX missed paymnts on the mortgage. I attached my most recent XXXX statement.As you can see payments have been made and I am missing on payment for XXXX 2015 which actually is sitting in unapplied funds. Nothing on this shows I am XXXX payments behind as trans union is reporting and wont ' fix.
Product: Credit reporting or other personal consumer reports

EQUIFAX is continuously deliberately refusing to investigate and remove these erroneous issues on my consumer file. Ive sent multiple request to which they keep saying they need my whole social security number which is false because I called the Internal Revenue Service and they stated I shouldnt be giving my number out to anyone. My tax return has my LAST 4 and that is sufficient enough! I am demanding to opt out of all third parties nonaffiliates from furnishing anything onto my consumer report! All accounts need to be updated as PAID AS AGREED immediately.
Product: Credit reporting, credit repair services, 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  15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 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

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX  XXXX ( Opened XXXX XXXX, XXXX, Balance {$7.00} ), XXXX ( Opened XX/XX/XXXX, Balance {$16000.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern - I was recently surprised to learn that in XX/XX/2021 XXXX XXXX XXXX incorrectly reported to Lexis Nexis ( XXXX ) that I had an auto claim AND reported that I was at fault for this accident. 
While I did call to inquire about filing a claim from a hit-and-run where I was not at fault, I never went through with the claim. XXXX XXXX mailed me a check for {$97.00} which I did not cash. 

In speaking with two XXXX XXXX employees they both informed me that I never did file a claim nor was I at fault, and sent me a PDF letter on XXXX XXXX letterhead to that extent. However they advised they could not rectify the consumer reporting agency data since " the claim was closed ''. 

Under FCRA, XXXX XXXX did report this information to a Consumer Reporting Agency, therefore XXXX XXXX is responsible for rectifying this information promptly upon notice that they have made an error. 

Additionally, I submitted a request to obtain my Consumer Disclosure report online from Lexis Nexis on XX/XX/XXXX. As of XX/XX/XXXX I still have not received the information required from them on obtaining this information. Their process requires me to first submit a request online, then they mail me additional information to access my report. 

The impact of this incorrect data has doubled my auto insurance premium. XXXX XXXX shared that a 6-month quote they provided me increased from {$1000.00} to {$1700.00} due to this incorrect data, a 76 % rate increase. 

I look forward to you resolving this incorrectly reporting quickly. We are in the process of moving and new quotes are astronomical due to your misinformation.
Product: Debt collection

I received notice that I owed XXXX XXXX XXXX {$650.00} for a past due XXXX account. On the XX/XX/XXXX XXXX credit file I have of the account shows a partial acct of XXXX date opened XX/XX/XXXX, reported since XX/XX/XXXX. On the XX/XX/XXXX XXXX XXXX credit file I have of the account shows a partial acct of XXXX placed for collection XX/XX/XXXX. Both reports show the account as being disputed and with estimated removal dat of XX/XX/XXXX. 

I attempted to fax the creditor a Letter for Debt Settlement on XX/XX/XXXX but neither attempt was successful, copies will be included.