23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I called back XXXX XXXX  XXXX XXXX and spoke to XXXX XXXX, She asked me why I stopped paying a credit card in XX/XX/XXXX, I explained to her that I had lost my job, I agreed to set up payments for XXXX a month for 4 months, she asked me for my credit card number gave it to her and we hung up. About an hour later checked my account and they had took out XXXX, which I had told her I was on a fixed income and could not afford anymore than XXXX every two weeks. So I called back and she was at lunch and talked to her so called boss XXXX XXXX who proceeded to talk over me and I tell me that service charge was not his fault, and he said did she tell you would could take it out of your banking account for a XXXX charge instead and I said no she never gave me a choice. I said I will just resend my offer and stop the card and he said go ahead and you will get in a lot more trouble, He said that it was my problem I couldn't pay my bills, He kept talking over me and was very hateful, I did call him 2 cuss words, I hung up and called back and the next operator said that he hated to hear a women cry but, people like me just didn't understand and I said people like who, he said we don't have time to deal with this everyday on the phone. Well isn't that his job? I was very nice when I spoke to XXXX and agreed to pay the bill, but no one gave me a choice of how to pay it, No one told me there was a XXXX service charge. XXXX XXXX is a problem and needs to be reprimanded, but you know what no body cares?
Product: Debt collection

I paid XXXX XXXX {$420.00} on XX/XX/year>. They said I would receive a debt discharge letter after XXXX  days. I never received the letter, even after emailing them repeatedly.
Product: Credit reporting, credit repair services, or other personal consumer reports

All account, and bill are in good standing, and paid on time. It should not have been XXXX point drop due, to a opened credit card. XXXX, and XXXX, did not take the same action. In dropping my sore XXXX points. For the the reasons experian, has stated. That's 2 reporting agencies. There is a error that should be addressed. For the unjust XXXX point reduction.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I spoke with the sales manager to get prequalified with XXXX XXXX XXXX XXXX I am completely aware that during the financing process they submit multiple credit applications. With this fact in mind, I specifically instructed the sales manager that I ONLY WANTED TO ACQUIRE FINANCING WITH XXXX. I specifically instructed the sales manager to avoid shopping my credit around because I did not want numerous inquiries on my credit report. I am in the process of acquiring a business loan and was told to avoid that sort of activity. The sales manager did not properly communicate my authorization to only submit 1 credit application to the finance manager, which resulted in the UNAUTHORIZED SUBMISSION to several lenders. The General Manager of the dealership has admitted fault and apologized for the unauthorized submissions. While it does bring me solace to know their actions were not malicious, the accidental submissions has hurt my credit report and ability to acquire a business loan. I have challenged the inquiries with the credit bureaus and have been referred to challenge these directly with the lenders.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

XXXXXXXX XXXX  XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

My son was given two loans that should have never been given to him based on his income debt ratio. The loans were by two separate  companies. One was XXXX XXXX XXXX and the other was through XXXX XXXX. The one was for {$20000.00} and the other was {$17000.00}. Since he could not afford the payments they went into collections, which is where his father and myself came into the picture. 

The one loan was negotiated with a XXXX XXXX XXXX. XXXX XXXX Their address is XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX. I dealt with a XXXX and XXXX XXXX. They of course used all the tactics from nastiness to ruining your credit to garnishing his wages. The other company XXXX XXXX XXXX XXXX XXXX, Illinois XXXX. I dealt with XXXX and a XXXX XXXX. Same tactics very nasty and threatening. It was a very upsetting experience because they play hard ball and your already upset that your child is in this horrible situation, and your trying to help him through something that should never have happened in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Information was involved in an Equifax data breach as well as my information being compromised during Covid-19 such as My social security card and accounts when I did not have a stationary address.
Product: Credit card or prepaid card

I have had a credit card with the Bank of America for decades. The service I have received is excellent. I am a veteran of the XXXX war and a retired XXXX XXXX XXXX and the Constitution is very dear to me. The Bank of America recently decided to distance itself from the XXXX and the provisions of the Second Amendment to the Constitution 's Bill of Rights. I would point out that even before the Constitution was written, the XXXX War could not have been successful because the actions of loyal Americans protected later by the Bill of Rights were in part responsible for the success of that war ; men who volunteered and took their own firearms to battle against oppression by the XXXX  government. I am deeply troubled by this action of the Bank Of America and it is my wish that they reverse this terrible and un-american action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm working to clean up my credit report. I use XXXX XXXX to track it. Both Equifax and XXXX list the same debt ( {$420.00} originally owed to XXXX XXXX XXXX XXXX ). 

But, the same debt is being collected by two collection agencies : XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX, NM XXXX ( XXXX ) XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NM XXXX ( XXXX ) XXXX I would be happy to pay one or the other to clear up my record. 

Please help. 

Thank you.
Product: Credit reporting or other personal consumer reports

I have unauthorized inquires on my XXXX credit report on the dates of XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX and I would like these items removed. According to the FCRA, these unverified and unauthorized items must be removed.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, inc. ) due to inadequate service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted XXXX  multiple times over the phone XXXX app and online. Ive stated multiple times that I am a victim of identity theft and they have refused to give me a fraud alert and also refused to remove a collection account for an apartment that Ive never lived at and that Ive personally never even seen. I have my identity theft police report on the matter XXXX  has removed this collection from my XXXX report its time for XXXX  to follow suit and do the same because under the fcra this account should be removed from my credit report or Ill have to go further and get my legal team involved to help me.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals.

The following fraudulent accounts and inquiries have been identified as a result of this breach : Account Name : XXXX  XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$20000.00} Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$25000.00} Account Name : XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$32000.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$25000.00}
Product: Credit reporting, credit repair services, 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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : OFFICE OF THE ATTY GENER Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX  XXXX  XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find several inaccurate accounts appearing on my credit report, and I have no idea how they got there. I check my report regularly, and nothing like this has ever happened before. I tried refreshing my browser, thinking it was a glitch, but the errors stayed. Im incredibly disappointed and am asking for a thorough review of my documents so I can finally put this concern to rest.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Lexis Nexis, Lexis Nexis why are refusing to send me my Consumer Disclosure Report that I am allowed by law free? 

On XX/XX/2023, for maybe the XXXX time, I submitted the request online here : XXXX XXXX XXXX I then verified my identity by email and landed on a page that read " Email Confirmation request sent If you requested reports you should receive a message via XXXX Mail within XXXX weeks. '' Both of these copies will be attached to this complaint. 

I have done this before - then XXXX weeks later get a hard copy piece of mail that says you can not verify me ( see attached ). 

So, attached to this complaint will also be my drivers license that shows as well as my social security card - keep in mind these are supposed to NOT be required by law - but I am supplying them anyway so you have no excuses. 

Attached to this complaint are : - copy of my drivers license - copy of my social security card - copy of voided check for mailing address - proof from Lexis Nexis online I filled this out - email proof I confirmed the email - The letter from you that states you cant verify my identity I dont appreciate being given the run around by you over and over again to receive MY OWN Consumer Disclosure Report.
Product: Credit reporting or other personal consumer reports

I am filing this CFPB complaint because I noticed that there was misinformation being reported by a debt collection agency called XXXX XXXX  The issue that I am having with this " collections '' agency is that they are deliberately reporting an inaccurate open date stated to be XX/XX/XXXX, when the account was actually stated to be opened on or about XX/XX/XXXX, according to supportive documentation that I have. The Fair Credit Reporting Act mandates complete and accurate credit reporting. The misinformation that I have discovered is materially misleading because the collection agency is reporting the date when they acquired the account instead of the true account open date. This matter is a violation of the FDCPA section 1692e.
Product: Checking or savings account

In XXXX, Wells Fargo closed my business checking and business savings accounts for inaccurate addresses despite sending mail to his accurate address. Wells Fargo failed to contact me in writing about these issues - I received two vague phone calls from a previous branch that sounded bizarre and obtuse. 

Wells Fargo has failed to return {$14000.00} in funds and admitted to sending funds to an inaccurate mailing address.Ive spent hours on the phone with no less than twenty different Wells Fargo representatives. 

I attempted to resolve the issue with two branches. The first branch gave inaccurate information. I contacted Wells Fargo staff via phone and was told he could apply online and that he received inaccurate information from the first branch. 

After I applied online, I received a notice that I needed to verify information with the local branch. The second branch was unable to tell me what forms he needed to complete.Wells Fargo has been unable to provide reasonable support in addressing this problem. Staff have been inconsistent and given conflicting responses. Ive made six requests to Wells Fargos highest level of escalation and no progress has been made. 

The delay far exceeds the time allowed. And Wells Fargo has not been remotely reasonable in addressing these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

filed Bk in XXXX Contated this company and sent Bk chapter XXXX -sent-Discharge letter they said it would be removed- not the case Case = # XXXX XXXX XXXX XXXX/XXXX/2016 PLEASE HELP
Product: Debt collection

My Consumer rights and protections have been violated according to title 15 USC 1692. My privacy has been invaded along with the privacy act has a consumer has a right to privacy and not a privelige. According to title 15 USC 1692b a debt collector can not state that a consumer owes a debt.AARGON agency has been reporting a fraudulent debt to XXXX which has been very damaging to me and my family in our pursuit to purchase consumer goods, They have been contacting me a federally protected consumer about an alleged debt without my consent. AARGON AGENCY INC has been reporting a fraudulent debt that was a result of an identity theft on my consumer report which has been very damaging to my reputation and has hindered my ability to extend credit and enjoy the pursuit of happiness. Under title 15 USC 1681 an inaccurate and unfair credit report directly impairs the efficiency of the banking system and undermines the public confidence which is essential to the continued function of the banking system. I REQUIRE THE 2 FRAUDULENT accounts on my consumer report from AARGON AGENCY INC one in the amount of XXXX $ and one in the amount of {$110.00} be deleted immediately. A debt collector can not use false and deceptive means in connection with a debt such as the false representation of or the character amount or legal status of any debt.
Product: Credit reporting or other personal consumer reports

I received my ChexSystems report and noticed a inquiry from XXXX XXXX XXXX  on XX/XX/2023. I have not conducted any sort of business with this financial institute
Product: Credit card

I bought a Washer/Dryer combo from Best Buy XXXX XX/XX/XXXX. Best Buy refused to deliver the product. On multiple occasions they called an said the product would be delivered. However, on the day of the delvieries no one showed up. I tried multiple times to contact them and receive info as to when the product would be delivered. No one in the compay was able to provide information. 
-Went online for info. ( Web chat ) -Spoke to XXXX XXXX -Went into the store twice. 

On or about XX/XX/XXXX I filed a dispute with Best Buy Citi Card. Since Best Buy is committing Fraud by selling and billing products but refusing to deliver them.

Once I filed the dispute, Best Busy Citi put the amount in dispute. 
However, they sent me a statement saying I owed a monthly payment. 

So, I went on the website and tried to make a payment. However, the site wouldn't let me make a payment because it said I had a negative balance. And a payment can not exceed the balance. So the site wouldn't let me make a payment. I have screen shot of this. 
I called Best Buy Citi spoke to a representative. Case # XXXX He said that I did not owe a payment and no late fee or penalties would be assessed. 
However, immediately after the due date, Best Buy Citi charged me a late fee.

I am complaing to the CFPB because i believe both Best Buy and Citi Card are engaged in willful and intentional fraud. They have constructed a system where no consumer can get accurate information. And they use software and automation to impose fees and delay services required.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with Bank of America. I had taken a cash advance in XXXX which I paid off in XXXX. I actually overpaid and had a negative balance on the account for several months. Bank of America erroneously and fraudulently reported that I was 30 and 60 days late in XXXX and XXXX despite having a negative balance during that time ( the bank owed me money! ) and closed my account. I have credit card statements from Bank of America verifying all this. I tried contacting Bank of America to reverse it but they haven't taken any meaningful action and just move me from one branch to another. I spoke to them several times. I contacted all 3 credit bureaus and sent them a copy of all my bank statements showing no balance!! They still haven't corrected it and just said that this is what the bank is reporting. Even in the credit bureaus ( XXXX, XXXX, XXXX ) reports they have {$0.00} balance for those months. I don't believe they reviewed the bank statements and did a serious investigation. Please help me with this. You can review the rest of my credit history and it is impeccable. I have never had a late payment in the last 10 years probably. I watch my credit very carefully. 

I'm gon na attach a copy of all my bank statements from Bank of America.
Product: Debt collection

asked not to be called anymore but have calls made XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX. this plus ones stated before after company was told not to contact, company refuses to send proof of debt, court order they own or can service debt, sales contract proving purchase of debt. all calls from XXXX XXXX were made from time i told them to stop till recent
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 : A creditor may not treat a payment on a car loan account under an open end consumer credit plan as late for purpose.
Product: Debt collection

I have been receiving phone calls daily for the last 6 months or longer.from a collection agency called, XXXX XXXX XXXX XXXX. I started out not listening like they asked, When they continued to call everyday, I decided to listen so I could see if they left a number I could call them back.I found a number XXXX XXXX XXXX XXXX. I called & left a message with my Name, & phone number, and told them It wasn't the same name as they were trying to reach. I left that message numerous times & never received a call back.I do not have any Dates or address, of the company,