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

I am interested in The XXXX XXXX from XXXX company at XXXX XXXX XXXX  After going through information, I started application for the bullion card by entering my information. even before completing my application, the current webpage got closed and a tab opened automatically. 

Then, I entered my email id to retrieve and continue the application, then upon my login I saw XXXX application XXXX as submitted and the other one as not submitted. Then I immediately called XXXX XXXX card customer service and give my information like social and other things and explained them my issues when filling the application. 

The customer service agent, retrieved my information and shared me the fact that they are not finding any completed applications from their end as well. I told him that I got a credit enquiry from XXXX and then he responded saying " that shouldn't happen because my application is not submitted yet. '' then I got oral confirmation from him and recorded the call as well saying, no applications submitted and there should be no inquiries. 

Today, I requested a credit report from XXXX and I saw a credit inquiry from XXXX which is not supposed to be there. that is the reason I am filing a complaint on the inaccurate credit inquiry from XXXX. 

Date I tried to apply for XXXX XXXX XXXX XXXX XXXXXX/XX/year> Dates I received remainder emails from XXXX regards to completing application : XX/XX/year>, XX/XX/year> Date I contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> - approx XXXX AM Call Recording with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> - approx XXXX AM I request CFPB to acknowledge and help in removing XXXX XXXX Hard Credit Check/inquiry from my credit report.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXXXXXX Balanced {$420000.00} XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX Balanced {$16000.00} XXXX XXXX Balanced {$14000.00} XXXXXXXX XXXX XXXXXXXX Balanced {$0.00} XXXX XXXX XXXX XXXXXXXX Balanced {$450.00}
Product: Checking or savings account

Today I did a payment for US {$1000.00} to XXXX using Zelle, one family relative texted me using XXXX  and asked me to help him with medical bills from a recent ER visit he had, he told me to send the XXXX to the email above to pay for some medical supplies. We tried to phone him but due to his medical condition we were unable to get him on the phone so we did the zelle payment. Later today we finally got in touch with him and he confirmed that his XXXX account was hacked and he didn't asked us for money. 

We transfer using XXXX and filed a claim with them for this but they are not very positive. The person owning the email above is not a XXXX customer and they don't know what bank the money ended up. There should be more protection when using Zelle, like having the payment pending for a longer period of time at least XXXX hours, so a fraud is at play we have time to reversed the payment. 

Also, I hope this information is used to flag the account of this guy and somehow prevent others from being robbed. I personally won't use zelle again, the protections are not in place to do transactions in a safe manner.
Product: Mortgage

I had XXXX home equity line on property A, for several years, and had a balance of approximately XXXX in XXXX 2014. I purchased another property ( property B ) for which I paid cash and I moved into it. For months I worked with TD bank to close the LOC on property A and take out an LOC on property B to pay off the XXXX XXXX Property B appraised at XXXX and I have a credit score over XXXX. I sold property A and had to find cash to close the line on property A all due to sheer incompetence at the local office ( XXXX XXXX XXXX, XXXX, CT ) working with an agent named XXXX and a Manager named XXXX XXXX. XXXX XXXX no longer works for TD bank. I finally secured the LOC by working with a women in their corporate office in New Jersey named XXXX. I had to close on the LOC at the local branch on XXXX XXXX XXXX, XXXX CT, again with XXXX and XXXX XXXX. At that time XXXX XXXX seemed to take all the credit for obtaining this loan for me, which he did nothing, and while XXXX tried I am not sure he ever knew what he was doing. At that time I expressed my concern about all the lost time on my new LOC, as I was worried about running into prepayment penalties. XXXX XXXX conveyed to me that if should become the case we could work something out. I received nothing in writing. I signed the documents, opened the new line, and now I have closed it 16 months into a 24 month commitment. They charged me the full {$450.00}, I tried to, work, it out with them, but between being on hold for hours, telling my story over and over, the new ( as of 5 months ) branch manager at the local branch told me to go pound sand. I am extremely frustrated at their lack of continuity, respect for customers time, incompetence in creating this situation in the first place, and unwillingness to try to reach any sort of amicable solution. I do not know if I have any legal grounds to stand on but certainly want them as well at the banking commission to know of my displeasure. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, Experian received identity theft documents that legally required them to block the reporting of a fraudulent XXXX account. They deleted the account on XX/XX/2022. 
Then on XX/XX/2022, they reinserted the fraudulent XXXX account without providing the required validation documents ( proof of identity of the Original Creditor ), to prove that the account is accurate. In addition, they furnished my credit report without my written consent, which is a violation in itself. 
I spoke to supervisor XXXX today, XX/XX/2022 at XXXX in the afternoon and informed her of the laws they were violating by reinserting without proper evidence and asked her to provide me the proof that XXXX allegedly sent them to verify that the debt was accurate. She was unable or unwilling to comply. 
Experian now has willfully and knowingly violated several of my federally protected consumer rights and I am demanding remedy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the report furnished by Experian, there are XXXX inquiries that are fraudulent and unauthorized ( XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ). As the original creditor, I am reporting this as fraudulent activity, and identity theft. Per the FCRA section 606 ( d ) ( 4 ) -- A consumer reporting agency shall not prepare of furnish an investigative consumer report on a consumer that contain information that is adverse to the interest of the consumer and that is obtained through a personal interview with a neighbor, friend or associate of the consumer or with another person whom the consumer is acquainted or who has knowledge of such item of information unless -- ( A ) the agency has followed reasonable procedures to obtain confirmation of the information, from an additional source that has independent and direct knowledge of the information ; or ( B ) the person interview is the best possible source of the information. Experian is believed to be furnishing adverse information, on account that I am filing a complaint that fraudulent inquiries were made. Which further results in adverse action. According to the FCRA section 604 ( a ) ( 3 ) ( A ) -- As the original creditor, the consumer report is only to be furnished to other creditors who I extended credit to. There is no active account held with either of the creditors mentioned above that generated these fraudulent inquiries.
Product: Credit card or prepaid card

I contacted XXXX XXXX in XXXX and XXXX regarding fraudulent activity on my checking account. XXXX XXXX closed account in XXXX after having years of excellent payment history. In addition, I made an arrangement to pay account after not receiving any correspondence regarding who was handling my account. So, I contacted them their internal collection department and established a weekly payment plan of {$100.00} beginning XX/XX/XXXX via phone. In XX/XX/XXXX, I received a call from an outside collection agency handling my XXXX  account stating that my account has been turned over to XXXX XXXX along with confirming this information was correct with XXXX XXXX. My concern at this time is XXXX XXXX transferring the account to collections and closing my card after me letting them know what's going on with fraudulent activity on my checking account. In addition, XXXX XXXX continue to charge my checking account with {$100.00} a week and every representative is denying that the payment exists and refuse to cancel my payment or remove XXXX XXXX off my account as a card holder.
Product: Debt collection

LVNV FUNDING c/o RESURGENT CAPITAL SERVICES placed a {$170.00} collection on my 3 credit bureau reports dated XXXX XXXX, 2015 for an account I never received dunning correspondence about. In addition, the original account is past the statute of limitations ( XXXX ). I have complained with the BBB and filed disputes with the credit bureaus as well and would request that this " ACCOUNT '' be " CLOSED '' and REMOVED from all 3 credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2016 I put credit freezes on all three credit reporting companies. Trans Union, XXXX and XXXX because someone opened a XXXX XXXX credit card in my name. That issue was resolved but I was told anytime I need to have a credit inquiry done to call/use website and get a one time passcode/key for the lender to use. Last month because my car was totaled I did that. I got a passcode from TransUnion and XXXX and was told to give it to the lenders to be able to access my account. Two very long days, lots of phone calls, frustration and embarrassment, I still could not get any credit. And I have, according to XXXX XXXX, who uses the credit reporting service for their information, a XXXX credit score. I should be able to get credit. Instead when the lenders tried to access my info it looked as if my assets were frozen or seized, compromised or I didn't have any. I ended up having to remove cash from my savings to purchase the vehicle. I still have yet to get any answers as to why this system didn't work or what can be done about it except to completely remove the freeze which I don't want to do. I do not need access that often ( once since XX/XX/2016 ) so would like the protection the freeze offers, but not the hassle.
Product: Credit reporting or other personal consumer reports

ON or around XX/XX/year> I was contacted by who I believe to be XXXX XXXXXXXX XXXX XXXX  ( XXXX ) to update my mortgage payments to ACH auto-payment center. I have paid my mortgage reqularly each month for the past 3 years only to recently learn that my home has actually been foreclosed and sold just a few weeks ago. I was never notified unil a gentleman came to my home to inform me that I needed to move do to the foreclosure sale. I am appealing this sale as the result of fraud and failure of notification. I just pulled my credit report and contacted the local Police Dept. I also found that someone opened up a fraudulent T-mobile account on or around the same time may have been intercepting any call from XXXX XXXX XXXX  XXXX Please deleted or remove XXXX XXXX # XXXX. I am a victim of Theft by Deception. I am filing a complaint with the CFPB as well as FTC.
Product: Debt collection

This agency is attempting to collect a debt from me for a debt I do not owe, but more troubling is the fact that this agency in not licensed by the Arkansas State Board of Collections to conduct the business of a collection agency within the state of Arkansas. 

This agency is communicating with me, while not being licensed, via my credit reports. 

XXXX v. XXXX XXXX , XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ) ( " Reporting to credit bureaus is a communication within the FDCPA ) ) ; XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX XXXX, XXXX ) ( " rejecting the argument that reporting to the credit bureau was not a communication to the consumer and was not debt collection activity '' ) ) ; and, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX ) ( " The court has learned through its work on countless FDCPA cases that threatening to report and reporting debts to CRAs is one of the most commonly-used arrows in the debt collector 's quiver '' ) ). 

This agency is violating the FDCPA which are per se violations of the Arkansas Fair Debt Collection Practices Act, The Arkansas Collection Agency Act, and the Arkansas Deceptive Trade Practices Act. 

This agency also did not send me my right to dispute this debt, prior to entering this debt on my credit reports, which I do not owe. 

I can only assume that because they are not licensed to collect in my state, they incorrectly thought they could violate my rights by only reporting to my credit. 

This agency has violated numerous provisions of the FDCPA and Arkansas State Law, and should be brought to justice by your agency. 

Thank You
Product: Debt collection

I received an email after I had already received physical mail by a credit company named LVNV Funding, where they were offering me a discount on the debt I owed. This was followed by numerous and repetitive phone calls for me to pay this " great '' discount on my debt owed and how I had to hurry and pay before the discount offered would expire. I requested more information on who the original creditor was by a response email and how I didn't believe I owed this debt as it isn't on my XXXX, XXXX or XXXX credit reports. When they replied with the information, they stated the original creditor was XXXX XXXX utility bill from 2014 with an amount close to about {$1500.00}. Then they sent me another email, to which I now get one email from LVNV Funding about once a week where they offer another so called " great '' discount on the amount I owed or they will just state that I owe the entire balance and to pay now. However, at the bottom of each of these emails states that because my debt is passed the statue of limitations they can not legally sue me for this past due amount and they can not report me as negative on my credit report. So why are they allowed to harass me with numerous emails and random phone calls? If I'm legally not obligated to pay this amount due then shouldn't they be obligated to cease in contacting me? It's very stressful and I would like for them to be held accountable for not following the Fair Credit Consumer Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

New and updated information in reference to complaint # XXXX Transunion is ignoring my dispute of their reinvestigation process under XXXX. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. I included in my complaint a letter from Bankruptcy court stating that they do not communicate with any Credit Reporting Agencies. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 2 ) ( A ) Transunion is in Violation of this law and are ignoring my request to delete Bankruptcy 's from my consumer report, TransUnion states that Bankruptcies are verified and updated but have not contacted the US Bankruptcy Court I have attached proof of this to this complaint and previous complaints I would like to add that Transunion is also in Violation of 614. Restrictions on investigative consumer reports [ 15 U.S.C. 1681l ] Whenever a consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. None of the times that I listed in previous complaint # XXXX Transunion did not follow this law and never has when I have disputed my consumer report, response to complaint # XXXX states In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. -DELETED XXXX XXXX XXXX MICHIGAN-VERIFIED AS REPORTED I have 2 Bankruptcies that were on my consumer report Case # XXXX was deleted as part of that complaint but Case # XXXX was not deleted by Transunion as stated in the response to complaint # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy on my credit file. I wrote  the BK  court to ask them what the process is when reporting the court cases and their response was that they do n't report to the agencies. I contaced  XXXX   XXXX ,    XXXX   XXXX    & Experian they just said it was verified with  XXXX   XXXX . I wrote  XXXX   XXXX  and they just sent me my file. I did n't know they could verify with another bureau. This has been a never ending cycle I have proof and they still wo n't delete it.     The problem is, none of that information is accurate. The recorder of deeds, the magistrate, or the court itself did not furnish any of this information to the credit bureaus.  XXXX   XXXX , which is a for profit company that is in the information-selling business. They regularly collect public records information into their database, and then they sell it to the credit bureaus. it is a violation of the Fair Credit Reporting Act to report false information. Also claiming to get information f rom a court, when it is actually obtained from an unnamed 3rd party, could easily be considered false inform ation on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2022, Ive been trying to get the inaccuracy and incorrect information corrected on my credit report. Ive filed dispute after dispute. Reinvestigation after investigation showing them the incorrect and inaccurate items on my report. The results I get each month have been a updated report with even more inaccuracies and more incorrect items and some accounts not even looked at. It is now XX/XX/2022 and Ive sent another letter full of disputes, about the same accounts, same inaccuracies and same incorrect items. 

In accordance with the Fair Credit Reporting act These accounts continue to violate my rights even after 3 months of disputing. 
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. Code 1681i ( a ) ( 5 ) ( a ) ( I ) ( A ) .Reinvestigations of disputed information ( 5 ) A. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate items gives a reason to immediately remove those items from my credit report, so they should be deleted promply. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. 

Ive sent all 3 credit reporting agencies another set of disputes pertaining to the same errors and incorrect information that they keep allowing to be put on my credit report. The disputes I sent have copies of my credit report, Ive circled each error, and all incorrect information. I attached the letter that I sent. I now will be going to the XX/XX/XXXX to file a complaint as well.
Product: Checking or savings account

on XX/XX/23 at XXXX I looked into my bank account to check my income check deposit which was received but noticed a discrepancy in my income check. later that same morning once logged back into my account to verify my income deposit to see if there was an adjustment I noticed my account was now in the negative. I immediately called Chase and informed them of the discrepancy of my account and demanded an explanation, and at that point they immediately locked my account and was unable to see any of my account information or statements. I spoke with claims and the fraud department and I also went to the bank to speak with a representative directly to understand what happened. After calling multiple times over a week I spoke with the fraud department who told me that they have closed my account and they sent information regarding four checks that were deposited remotely somehow, falsely. They also made false claims of action of past transactions that were requested from other creditors to be refunded back to my account. After all there claims were done they took all my money in my account and stated they would send me a balance of what was left if any, and check of {$290.00} would be sent to my home. Estimated prior balance : {$1000.00} one checking account, 2nd Checking account {$1300.00}, Payroll deposit {$1100.00}, second income payroll deposit correction was added {$310.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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  all has 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give anyone authorization or consent to use my personal information. 
I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent inquiry on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Below are the fraudulent inquiries that needs to be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Home XXXX