23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a notification that I had two collections for a debit from Augusta Collection AGC on XXXX XX/XX/XXXX. One in the amount of {$97.00} for XXXX and one for {$63.00} from XXXX. I immediately called the company for clarification of debit. I was told that due to me living in the state of TEXAS the company could not contact me or send mail to let me know of the date. The company did not have a license to operate in the state of Texas. I was informed the debt was for utilities bill for the city of XXXX which I had not lived in since XXXX due to me being XXXX XXXX military and moving from the are. I owned a home but the home was being rented out to tenants. I have a legal agreement with all parties that includes they must pay all bills and be held responsible for them. I was told because I was the homeowner I had to pay. I also never signed a contract with the city of XXXX to transfer the bill back into my name ( which they require ). Regardless I was never informed of any debit that I owed. The phone call was recorded.
Product: Credit reporting or other personal consumer reports

please remove these inquiries before I seek litigation for defamation of character. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to Equifax to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX & I am including it again. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).

1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent.

2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements. 



XXXX. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action. 



I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Florida XXXX. 

XX/XX/XXXX SS XXXX
Product: Debt collection

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 
Please delete the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I Deposited a check from my brokerage account vanguard a XXXX dollar company into my wells fargo checking account on XXXX/XXXX/16 XXXX told me the funds cleared on XXXX/XXXX/16 yet wells fargo would not release the hold until XXXX/XXXX/16 .I called there help desk to ask why and was told that 's just our policy and i should go to my branch i did on XXXX/XXXX/16 and spoke to the branch manager who called her supervisor that stated the funds had cleared all there accounts on the XXXX/XXXX/16 my question is why is a bank that is under federal investigation for fraud allowed to hold customers money without paying interest and or releasing there funds to them.Is this just another example of cunsumer fraud that needs to be investigated.
Product: Debt collection

I received a letter from them, but all of the information is inaccurate. It says I owe XXXX, it has a date for the amount owed in fees, XXXX where there should be dates, and it looks like the amount I " owe '' is where the account number should go. But the worst part of all is they printed my entire social security number in the section where it says amount in interest. If anyone had gotten a hold of this, it would be pretty evident that was my social security number and they would have access to that, my address, name, etc. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello ; I have been at odds for the last two years with all three credit reporting groups ; Experian ; XXXX XXXX ; and XXXX. 
I have contacted them twice about correcting my name and business history ; and then my items like available credit. 
Most recently my credit score has crashed from nearly XXXX to XXXX without me doing anything but normal business. And their only answer is that I 'm using too much of my credit! 
I will give them the consideration that I have two disputes and a settlement finalizing about medical care ; but still all my accounts are paid. Even during XXXX treatment I was able to keep all my accounts up, and even later pay balances back down. 
At this point they just ignore my information and report all kinds of things like my available credit being something like {$2000.00} This is asanine!, XXXX XXXX has {$3600.00} available for me ; XXXX XXXX has over {$20000.00} ; of which I only used {$13000.00} and payments are current. Additionaly XXXX XXXX has offered {$38000.00} limits in auto finance ; four other credit offers have been made that total over {$5000.00}, and XXXX XXXX has offered {$6000.00} in a credit line. 
So, i have written them all twice to stop reproting only the bad parts of my credit file, and show the reality of the whole picture! 
This has resulted in a ripple effect of XXXX XXXX canceling one of my accounts and reducing all my accounts they administer, and my score has crashed from going up steadily to about XXXX, ( XXXX XXXX, back down to XXXX recently. And again a vendictive attitude, asanine excuses, and a one way mirror effect from them. 
The biggest thing they ever did was send my complete report from two of them, showing numerous entries of credit checks I never asked for, and again, no mention of my large credit open lines. 
I also closed a bankruptcy in 2007, and it expired, but the effect is like they are vendictive about not showing it. 
I am way over my head in how to deal with them and the more I say, the worse it gets. They take a defensive tact, and thats the end of that. 
Can you help, I ca n't afford to sue three big firms like theirs, and I guess they count on that? 
I actually think there is a collusion with some entities and their reprots since people that wanted my business had no negative things to say, like XXXX XXXX, but others just jacked up rates and snarled about the " negative reports ''!
Product: Credit reporting or other personal consumer reports

XXXX XXXX number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Open. {$56.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$840.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$26.00} Credit limit {$750.00} Highest balance {$1000.00} Pursuant to federal law statutes banks can not report late information to the credit bureaus..
Product: Debt collection

According to the Fair Debt Collection Practices Act, codified as 15 USC 1692, you, as a Debt Collector are required by federal law to verify with the physical original written and signed consumer contract on recording, related to the account you are attempting to collect on. Otherwise, anyone paying for your Debt Collection services could fax, mail or email in a fraudulent account. 
Your failure to verify this account is trespass on right to privacy and to contract. Under the FDCPA, unverified accounts are considered a Fictitious Obligation and any demand for payment of such is an attempt to extort and administer property without right.

Designed Receivable Solutions Incorporated has failed to provide a signed contract for this alleged account. An original contract is required as proof in the event of a lawsuit. This is a billing error and the alleged debt is not validated and in dispute. 

Additionally, 15 U.S. Code 1692c ( a ) states : Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692 e ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

Designed Receivable Solutions has violated the FDCPA and I plan to exercise my rights as a consumer.
Product: Credit card

For months I was receiving invoices from a company named Affirm. I did not know what it was. Last week I found that the so called account was now on my XXXX credit report. I put in a disclaimer with XXXX but they did nothing about it. They said Affirm said it was mine. 

I have also called the fraud department at Affirm but have not heard anything back yet. 

Account Info Account Name AFFIRM INC Account Number XXXX Account Type Unsecured Responsibility Individual Date Opened XX/XX/XXXX  Status Open. {$460.00} past due as of XX/XX/2023. 
Status Updated XX/XX/2023 Balance {$1800.00} Balance Updated XX/XX/2023 Recent Payment - Monthly Payment {$150.00} Original Balance {$1700.00} Highest Balance - Terms 12 Months Before this goes into collection I need this account to be closed. It is NOT my account. Obviously someone has stolen my Identification.
Product: Mortgage

My loan was transferred to XXXX by XXXX and now my monthly payments keep changing to a higher amount than the original amount agreed upon with my original lender. After calling to discuss they keep telling me any XXXX loan never has a fixed rate but my original agreement was a fixed rate. Now they are telling me it will NOT be a fixed rate due to rates changing on a daily basis. The issue is this loan is not associated with my actual mortgage. They did, however, state I had to put a lien on my car. They have the title to my current car and that's all. I'm upset that my payment amount keeps changing monthly when it's always been a fixed amount prior to working with XXXX. After calling I also found out I was not the only consumer having this issue.
Product: Debt collection

On XX/XX/2018 I sent a certified mail asking this collection agency to send back documentation of this. Not only didnt I get a response from Orion recover it fell off my credit and was added as XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter on XX/XX/2021 it's more than 60 days. I need these accounts deleted or updated
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Equifax regarding their inadequate response to my disputes concerning inaccuracies in my credit report. I have submitted several requests disputing certain entries within my credit report, citing specific inaccuracies that have negatively impacted my credit score. However, despite providing detailed evidence and documentation, Equifax has repeatedly responded within 24 hours stating that the accounts in question are " accurate. '' These responses have offered no evidence or detailed explanation of the investigations conducted, nor have they addressed the specific inaccuracies I have pointed out. This pattern of behavior violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which clearly states that consumer reporting agencies must conduct a reasonable investigation when a consumer disputes information contained in their credit file. 
Additionally, Equifax 's handling of my disputes may also infringe upon the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). The CFPB 's recent administrative proceedings highlight the importance of thorough investigation protocols for consumer reporting agencies, which Equifax appears to disregard in my case. 

These are the following accounts XXXX XXXX XXXX  Lenders ( reported twice on credit report ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I noticed there are multiple duplicate inquires on my credit report that is driving my credit score down. It says there are XXXX inquires on my credit report and that should not be the case. Please remove the following inquires as they are duplicates that I did not authorize. Its against the Fair Credit Act for someone to pull your credit without authorization. 

XXXX XXXX is on my credit report over 10 times and they were only authorized to pull my credit report once, I did not authorize XXXX XXXX to pull my credit report, XXXX is on my credit report twice and I only authorized them to pull it once, I did not authorize XXXX XXXX to pull my credit report, XXXX XXXX is on my credit report 3 times and I only authorized them to pull my credit report once, XXXXXXXX XXXX is on my credit report 7 times and I only authorized them to pull the report once, XXXX XXXX is on my credit report 3 times and I only authorized them to pull my report once, I never authorized XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, or XXXX  to pull my credit. 

Anything marked with an asterisk *** should be removed. If someone can assist me in removing these unauthorized inquires and duplicates from my credit report I would greatly appreciate it. 

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 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 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

On XX/XX/XXXX I returned my leased XXXX XXXX to XXXX XXXX in XXXX, PA. Upon returning the XXXX I signed a new lease for a XXXX XXXX. The paperwork for vehicle registration was incorrectly submitted. My name was spelled incorrectly on the new lease, which they refused to fix. I paid them {$2500.00} as a down payment on the XXXX XXXX. 
The dealership held the money and never sent the payoff to VW Credit until XX/XX/XXXX. They have also documented my end of the XXXX XXXX lease as XX/XX/XXXX. 
I have repeatedly asked and called both dealership and VW Credit to confirm that my lease date is XX/XX/XXXX. They refuse. The XXXX of the dealership XXXX XXXX sent me a fraudulent copy of my end of the XXXX lease with his salesman as the leasee and he as the lessor. My salesman XXXX XXXX has since retired. 
After a flood in my home on XXXX XXXX XXXX my copy of the XXXX lease and End of the XXXX on the XXXX were destroyed. 
I need all the original document. 

Other than that I have no proof nor do they that I have a leased vehicle with VW Credit. 
They are both documented on the XXXX  website for this same problem with many others. 
Thank you!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX sent me a bill that is not mines! 
They also put it on my credit which is illegal without my consent! 
Reached out to them and did an identity theft report and they refuse to remove it from my credit! 
They sent me back a statement which is not the correct spelling of my name my middle name only has one XXXX NOT XXXX 
All support documents and my photo ID is attached!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Convergent Account : 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, have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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: Checking or savings account

Hi, I was banking with Bank of America since XXXX and all of a sudden my account was closed in XX/XX/XXXX with a balance of {$28000.00}. I have not received my money yet and whenever I call customer services or visit any branch they simply say we have no idea as to when would I receive my funds. 

I dont see any fraudulent transaction, chargeback or any complaints on my account, still without any notice or anything the account was closed. I have also not received any letter or any details as to why the account was closed and whats happening with my money. 

I would really appreciate if someone can look in to it.
Product: Debt collection

On the XX/XX/2021, I called IC debt collection issuing to paid off a account and also to removed the collections off from my credit report. IC system collected unnecessary information to get a payment process. IC System Representative also agreed to process a pay for deletion. After, the representative received the payment. I was told my payment was something completely different from what I agreed to pay my debt for.
Product: Bank account or service

MISSING A {$130.00} OR MORE FROM MY BANK ACCOUNTS BEGINNING ON XXXX XXXX, 2016 XXXX XXXX XXXX PAYMENT REQUEST CAME IN FOR XXXX THE BANK TRANSFERRED {$40.00} FROM MY LINKED OVERDRAFT PROTECTION SAVINGS ACCOUNT AND ANOTHER {$20.00} FROM MY REGULAR ASSIGNED SAVINGS ACCOUNT BUT INSTEAD OF PAYING THE MERCHANT REQUEST AND CHARGING THE BANK {$5.00} TRANSFER FEE. 
THE BANK RETURNED THE MERCHANT ITEM AND CHARGED AN INSUFFICIENT FUNDS FEE OF {$35.00} WITH THE TRANSFERRED XXXX ( IMPROPER ACTIVITIES ) ADDITIONALLY ONCE XXXX MERCHANT REQUEST RETRY CAME IN ON XXXX XXXX, 2016 OF XXXX THE BANK USED FUNDS FROM MY CHECKING ACCOUNT TO PAY MERCHANT. 

SECOND PART : XX/XX/XXXX ; CONCERNING THE BANK BILL PAY DEPARTMENT. 
FEED THE CHILDREN {$37.00} and RELATIVE CHECK {$100.00} TOTAL DUE. {$130.00}. 
I ALREADY MADE ARRANGEMENTS WITH THE BANK BILL PAY DEPARTMENT. 
BECAUSE MY EMPLOYER HAD ERRONEOUSLY MISSED UP MY BI WEEKLY DIRECT DEPOSIT CHECK I WAS GOING TO MY EMPLOYER HEADQUARTERS TO GET A PAPER CHECK FOR MANUAL DEPOSIT INTO MY BANK ACCOUNT TO COVER THE NEGATIVE - {$130.00} BALANCE. BUT THE BANK IMPROPER CHARGED ME XXXX SEPARATE INSUFFICIENT FUNDS FEE OF {$35.00} FOR EACH BILL PAY ITEM. AS THIS IS NOT RELATED TO A RETURN MERCHANTS ITEMS FOR AN INSUFFICIENT FUNDS FEE CHARGES. 
ADDITIONALLY, THAT IS AN ILLEGAL BUSINESS BANKING PRACTICE. 
TO CHARGE A BANK FEE PER EACH ITEM OF {$35.00},, IF THE INSUFFICIENT FUNDS FEE WAS APPLICABLE, THE FEE OF ONLY {$35.00} WOULD HAVE COVERED BOTH ITEMS FOR THAT DAY TRANSACTIONS, IN CONCLUSION : I HAVE SAVED TEXT MESSAGES IN MY CELLPHONE TO THE BANK CUSTOMER SUPPORT UNIT CONCERNING THESE ISSUES MATTER IN THIS COMPLAINT THANK YOU.
Product: Vehicle loan or lease

On XX/XX/XXXX my XXXX XXXX XXXX was repossessed. I have not been contacted by the bank for any " missed '' payments. I contacted the bank right away and was told the last couple of months i have made partial or no payments ( i have bank statements and proof of withdrawal from my bank that the full payments were made ) The Central Bank XXXX XXXX XXXX who owns the lease then stated they would not have information about how much to regain ownership of the vehicle or where the vehicle was located for 48 hours but i would be responsible for tow storage fees. I contacted the bank again on XXXX again for information and the phones were down for hours and I couldn't get in contact until about XXXX where I spoke to someone at the branch who said someone would reach out to me and nobody did. on XXXX i got ahold of the right department and was told the vehicle would be the full residual balance to get the vehicle back of {$15000.00}. i was told there were missed payments from XXXX and XXXX which i have proof from the bank payments were made, i was told i can still fax over that proof but that will not help get the vehicle back and it will still be repossessed.