23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My account was closed im just figuring it out now, my card got stolen as well as my phone i had no access to my phone or card, i end up being able to track my phone down and get my information back i look today on my chase account and im not able to log in and i called and they said my account is closed and they cant tell me the reason why??? im so confused and im not understanding why my account was closed
Product: Credit reporting, credit repair services, or other personal consumer reports

I am have hard inquires on my credit that I didn't allow to be on my credit. XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I explicitly informed Credit Collection Services XXXX ( CCS ) via text message that I no longer wished to receive communications regarding an alleged debt. This request was made clearly, and I have proof of sending the STOP message.

Despite my clear revocation of consent, CCS has continued to send text messages to my phone. Additionally, I have received multiple calls from CCS and unsolicited physical mail at my home address, further violating my right to request a cessation of communication.

This conduct is in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits harassing behavior and mandates compliance when a consumer requests communications to stop. Furthermore, CCSs actions appear to brea
ch the Telephone Consumer Protection Act ( TCPA ) by continuing to send text messages after consent was revoked. 

The continued harassment has caused me significant stress and inconvenience, as XXXX blatantly disregarded my rights under these federal laws. 

Details of the Company : Business Names used Credit Control Services , Inc . 
XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, MA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts were opened using my identity. These accounts are having an adverse effect on my credit files. XXXX XXXX, and TransUnion are reporting accounts that are not mine and are allowing these collection agencies report false information.
Product: Debt collection

I am submitting this complaint regarding the persistent and harassing calls and text messages I receive from Associated Credit Services, a company claiming to be a debt collector for XXXX XXXX. These communications are disruptive, particularly while I am at work, and have continued despite my requests for them to cease. 

This alleged debt is fraudulent and stems from a water delivery service that continued to charge me even after multiple cancellation requests. My girlfriend and I made several attempts to cancel our service with XXXX XXXX, yet they continued to send deliveries and issue charges to my credit card. Due to their failure to stop the unauthorized charges, I ultimately canceled my credit card to prevent further billing. However, XXXX XXXX continued to send deliveries and bills, ultimately transferring or selling this disputed debt to Associated Credit Services. 

When I contacted this debt collection agency to clarify the nature of their involvement, they stated that they do not own the debt and allegedly work for XXXX XXXX without compensation. When I inquired about what portion of the payment they would receive if I were to pay them, my call was abruptly disconnected. Additionally, the amount of the alleged debt keeps changing across different calls, text messages, and even on my credit report, making it difficult to verify the legitimacy of the claims. 

I believe this is an unfair and deceptive debt collection practice. I am requesting an immediate investigation into the validity of this debt and the actions of both XXXX XXXX and Associated Credit Services. Furthermore, I request that all harassing communications stop immediately and that any fraudulent or incorrect information be removed from my credit report. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 

XXXX has suffered a handful of data breach incidents over the past 18 months, including a XXXX incident in which hackers obtained the personal information of up to 5 million individuals Five years ago, a massive data breach occurred. On XXXX XXXX, XXXX, the Equifax credit bureau publicly revealed its computer networks had suffered a data leak that exposed the personal information of 143 million consumers, a number later raised to 147 million. That data included consumers names, addresses, dates of birth, Social Security numbers and credit card numbers all of which could lead to identity fraud and other financial crimes. 

XXXX, XXXX of the leading global information services groups, experienced a significant data breach in XX/XX/XXXX. This breach exposed the personal information of millions of consumers due to unauthorized access to data from a server that contained information for clients, including XXXX The incident was particularly concerning due to the nature of XXXX 's business, which involves handling sensitive personal credit information.
Product: Credit card or prepaid card

I was reviewing my credit report and noticed the my Victoria Secret credit card was being reporting twice. One was my correct card i have had for 18 years, with current balance of {$0.00} and another was a fraudulent account showing balance of {$2400.00} XXXX around XXXX which Victoria secret had already handled and took care of but was still showing on my report. I printed out my credit report and specifically outlined with detail to remove the account with a balance as that was incorrect and not my account, but to NOT touch my open mature account ive had for almost 18 years with a {$0.00} balance and open credit line. This was very detailed as i DID NOT want my account closed. A month later when i went to check my credit report i noticed by long standing credit account with Victoria Secret had been closed. I was devastated as not only did that lower my available credit but it took away years of my credit history. I was in the process of starting to pay things down on my credit to build up my credit and this really hurt my credit. Again, i did not request this account closed and when i called Victoria secret they understand this was a error but advised they could not reopen my old account. I request the CFPB to please request them to reopen my long standing account that i was in good standing with as this was done in error please.
Product: Money transfer, virtual currency, or money service

Hi there, I have mistakenly sent payments to the wrong recipient using XXXX. I did not intend to authorize these transactions. It was five transactions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I've contacted Truist Bank and filed the claim. The bank denied it. Then, I filed the dispute and waited for the resolution. I believe I qualify under Regulation E, which protects consumers in cases of unauthorized transactions. 
I appreciate your prompt attention to this issue and await your response.
Product: Student loan

After my initial call to XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX. I was called constantly from the recruiter to enroll. He told me several times that they had a XXXX XXXX graduate placement with several connections to XXXX XXXXXXXX XXXX XXXX XXXX in the city of XXXX XXXX, WI. I was told the overall cost would be {$42000.00} to complete my XXXX XXXX. My decision to continue my education was based on that number. The final cost was much more than originally quoted by the recruiter ( about {$20000.00} more ; to which they never gave me an explanation ). I won the XXXX XXXX XXXX scholarship from XXXX XXXX XXXX XXXX XXXX ; it was to be {$25000.00}. Apparently I tied with another student and they split the scholarship between the two of us for {$12000.00} each. Between the time I graduated and when I started paying my loans, XXXX XXXX XXXX XXXX XXXX managed to add about {$20000.00} to my debt. They also failed to apply my scholarship ( from their own institution ). 

They told me that they would assist me in finding a job after graduation and that they had several contacts in the XXXX XXXX, WI area and the base salary for a first year XXXX XXXX  would be about {$50000.00} per year ( XXXX ) and they had a XXXX XXXX job placement rate. As a matter of fact, I was contacted by an employment specialist, who was reading through the XXXX XXXX, WI local job listings and was suggesting I apply for " XXXX XXXX  '' jobs. I asked about their contacts in my community and he said they didn't have any. I was able to find a XXXX job as a XXXX XXXX for the XXXX XXXX, just to make ends meet. After a few months of NOTHING, I was able to find a job as a " XXXX  XXXX '' for a XXXX XXXX XXXX ( NOT RELATED TO XXXX XXXX  AT ALL ). When the employment specialist found out I was employed, he told me that he was closing my file and " good luck ''. 

In XXXX I enrolled in a XXXX XXXX course at XXXXXXXX XXXX XXXXXXXX XXXX and was told that none of my credits would transfer from XXXX  XXXX XXXX. I was also told from the recruiter at XXXX XXXX XXXX that they were XXXX Accredited ; only to find out after I graduated that it did not pertain to the " XXXX '' degrees. I have never held a position as an XXXX XXXX  ; and was once told in an interview that " my degree from XXXX XXXX XXXX will open doors ; but is basically useless ''. 

My Federal Loans have been discharged through the XXXX XXXX XXXX lawsuit. I have been paying religiously on my private loans and they are current. Today the Biden-Harris Administration Approves {$6.00} Billion Group Student Loan Discharge for 317,000 Borrowers Who Attended XXXX  XXXX XXXX ; this applies to the Federal Loans ( which mine have been discharged ). I would like to stop paying on my private loans and receive a refund of all payments from this predatory institution.
Product: Credit reporting or other personal consumer reports

accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 fraudulent applications submitted in my name been used without consent to obtain services goods to extend credit from car dealerships. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I bought my car from XXXX XXXX XXXX in XXXX of XXXX. I paid all payments on time, as there was a way to turn off the vehicle if car payments weren't made on time. On XX/XX/XXXX, Westlake began to contact me, and I had no idea who they were ; I saw the loan in the original amount I bought the car for appear on my credit from Westlake. I didn't know who these ppl were, so I did not pay. They came to repossess the vehicle, and I did not fight ; I gave the keys out of confusion.
Product: Debt collection

Back in 2011 I had a foreclosure on a condominium by XXXX XXXX XXXX. Around XXXX or XXXX 2011 during the great recession. I believe my personal information was sold or traded illegally to third party debt collection agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im trying to personally fix the errors in my credit reporting. Instead Im dealing with more issues. I payed of a bill in full with XXXX XXXX XXXX  Account Number : XXXX for {$340.00} they falsely added a second account. Which I had already complained about through the all three credit Bureaus. The company did more research to find out I was right. The second account that was made after I filed a complaint. Was false and misleading for {$580.00}. 
These charges are to be off my account. There is no consistency. XXXX XXXX took off these charges. But add a false XXXX XXXX bill. 
XXXX Account XXXX Open XXXX Highest Credits : {$0.00} Balance : {$94.00} Then there is the issues of the false inquiries. 
Experian has found no merit to these hard inquiries. But XXXX XXXX who have showed no proof. Refuse to take them off with no proof at all. Please help me with these companies false reporting. I filed for the XX/XX/22 this has been more than 30 days. Please help me clear up these mistakes.
Product: Credit card

I am an Identity Theft Victim. My original FTC document was XXXX to CFPB on XXXX XXXX, XXXX. My personal information ( SSN, Birthday, Address, Driver License #, Phone # ) were stolen after I opened a phone number on XXXX XXXX, XXXX at XXXX Store XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Sale person # XXXX The Criminal used my identity 1 ) Changed my address on file at Credit Card company, fraudulently charged more than {$36000.00}. ( XXXX XXXX {$12000.00}, XXXX 's {$4000.00}, XXXX {$7400.00}, {$1200.00}, {$1400.00}, CitiCard {$2000.00}, Macy {$1500.00}, XXXX {$1800.00}, XXXX {$4400.00} ). Repeatedly asking for Credit Card replacement or new card after I closed the previous ones. 
2 ) Stole my phone number twice and pretended to be me for Credit Card Call Back Verification. They also opened several lines with XXXX and charged equipment. 
3 ) Showed up at my address twice, first time waited for XXXX delivery to retrieve XXXX XXXX that I did not request and the second time stalked at my place, either waiting for US Mail delivery or tried to break into my now locked mail box.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was one of the roughly 143 million people whose personal data was illegally obtained in the Equifax hack that was reported on or around XXXX 2017.
Product: Credit reporting or other personal consumer reports

I called when I first noticed this when I was going through identity theft and looking at all my reports. I noticed this fraudulent account from XXXX XXXX XXXX XXXX, now known as XXXX. Ill post a screenshot of what is on my Chexsystems and what I see. 
I have contacted them for the past XXXX  months trying to get this account disputed, closed, and taken off my ChexSystem with no luck. I go into the branch with my social security card and ID and they find a profile but cant find an account. So they give me a fraud number to call XXXX and a collections number to call XXXX. None of those numbers were any help. They tell me the exact same thing. No one can find the account under my socail security number adn they can no loneger be of help. To go into a branch. How ironic. The branch tells me to call, customer support tells me to go into a branch. I have spent countless hours on the phone. Literal hours. I'm done getting led around like a chicken with his head cut off. I need this account disputed and taken off now before I seek legal help. This is ridiuclous. Other banks had an easy dispute process and are already taken off due to fraud. This is the only bank giving me issues to even find the account t to start the dispute.
Product: Debt collection

on XX/XX//2019 I sent dispute letter and they said I they verified, but did not listed the evidence or say how they verified it. 
and the credit card company said that they don't have any record of my account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( Several accounts in my name that are negative ) I challenge the accuracy, compliance and reportability of this listing. no valid claims ... accounts were settled with my assistance provider and I was informed that no late fees would be reported because of their delays and system issues with processing my aid ... grave errorsfalse claims and reportingI want these accounts rectified immediately or litigation may follow. You can not report late payments that are incorrectthis is unlawful You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Please be advised this is against F.C.R.A. law and is a violation of my rights.. I have previously disputed the above-mentioned student loan payment history. Be advised that there are no regulations promulgated by the DOE and the FCRA that restrict you from updating/correcting past payment history. By failing to update previously reported information, you are in violation of Section 623 ( a ) ( 2 ) of the FCRA. Be advised that the Holder Rule protects consumers claims & defenses against a creditor or assignee 16 C.F.R. 433. The advisory opinion goes on to state that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct even if the loan was correctly reported as delinquent, but has subsequently been paid.
Product: Vehicle loan or lease

I traded my vehicle early XXXX and was ensured my vehicle would be paid off before it was reported late on my credit. As I waited for my vehicle to be paid the deadline was getting close. I called Kia Motor finance on XXXX XXXX ( they have recorded calls by the way ) and they told me that they had not received the pay off from the dealer I traded at. This was not true because this is the date they received the payoff check. I believe this was when it was 28 days late. Anyhow, They told me that I could pay on the XXXX since they still hadnt received the payoff from my dealer and my account would still be not late which is what I ended up doing. Turns out they reported me 30 days late anyways. This dropped my score over 70 points at a time that I am trying to buy a house. This is not right and I would love to get it resolved. On my payment history on the website it says they received the pay off on XX/XX/2023 which was not 30 days late either.
Product: Credit reporting, credit repair services, or other personal consumer reports

These ( 2 ) inquiries were Fraudently obtained using my social security number Permanently erase the following Fraudulent inquiries. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Bank account or service

I have a checking account with regions bank and a unauthorised person took {$800.00} out of my account with out my permission. I still have my debit card in my possession and I never give anyone my info so I do n't know how this person took money out of my account. Both withdraws was taken out at a atm. I noticed the next day and immediately called my bank and filed a fraud report along with a claim. I called the bank a week later learning that they denied my claim because the transaction happened in the same state and because they knew my pin. I told them I still have my debit and can prove I was at work at the time the money was stolen. The bank never credited Me back my money. This was all the money I had and I need help getting it back.
Product: Credit reporting or other personal consumer reports

This is an urgent notification letter that your company needs to pay more attention to, and provide fast resolution. Recently, I scanned through my updated credit report and I found some inaccurate and incorrect accounts on my credit report. As Ive said to you from my previous letter, I find these negative accounts so misleading because I have no memory of such charges and transactions. Kindly take this off now from my files. 

-- -- -TransUnion XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months ago I discovered items being reported to my credit that were not my items ; after reporting them to your office, several of the items were deleted ; however, there have since been new items added to my credit that should not be on there. A police report and FTC contact has already taken place, I'm reaching out to you all again for help. Your help in deleting these items as soon as possible is greatly needed. XXXX XXXX, XXXX, US DEP ED, US DEP ED ( accnt # XXXX ). XXXX XXXX, DPT ED/XXXX, XXXX XXXX, DEPT OF EDUCATION/XXXX.
Product: Credit reporting or other personal consumer reports

Kindly eliminate these queries. I lack information on this matter, and the company acted without my approval.
Product: Money transfers

I am writing because of what I perceive to be a blatantly dishonest practice on the part of Western Union and because I have tried many, many times to contact the company through every means of communication they offer and have been unable to reach anyone who can or will help with a resolution or even take the time to answer XXXX simple question. Here is the problem. When you transfer money with Western Union they offer XXXX main methods of payment, XXXX of which are transferring directly from a bank account and transferring from a credit or debit card. Every single time I transfer money with them and select to use my bank account, the less expensive option, I always get a message stating the transaction could not be completed using the selected payment method and directing me to choose another payment method. Yet as soon as I switch to using my bank debit card, from the same bank and connected to the same bank account, and also the more expensive option, the transaction goes through just fine immediately every single time. The difference in fees between these XXXX payment methods is substantial, many times the fee is literally double to use the debit card option! 

I have discussed this with my bank and they have assured m they are not blocking or restricting the transaction in any way whatsoever, and that it is not a fault in their system, so the problem definitely is on Western Union 's end of the transaction. When I call their " customer service '' agents on the phone I am told by them that for " security reasons '' they are not given access to the information that would enable them to tell me why this problem continuously occurs, they are not able to give me any further information and they can not give me a solution other than to tell me to try again later. I have emailed Western Union several times through the main email address for customer service on their website and through an additional email given for their customer service advocate department and no one will respond or get back to me to help me resolve this issue. All of these things cause me to feel like these practices are intentional on Western Union 's part and that I and other people who are undoubtedly having the same problem with Western Union are being cheated by this company to force us to pay the higher, often double fees. I am a patient and courteous man but I have tried every XXXX available to resolve this directly with Western Union and they simply will not respond and help me or even take the simple common courteousy to offer me any explanation whatsoever! 

Therefore it is finally in frustration that I turn to the Consumer Financial Protection Bureau for help in this matter because I am really concerned that Western Union has a dirty, dishonest practice that is cheating me and a lot of other people out of a lot of extra money! Please take the time look into this matter and do kindly reply and let me know how the bureau may be able to help us bring a resolution to this matter. 

Sincerely XXXX XXXX