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

I see that XXXX XXXX XXXX XXXX is being reported on my consumer report as late and showing my payment history. The Privacy Act of 1974 is being violated by this reporting. Also, 15 USC 1681a-exclusions is being violated upon due to showing transaction history and my experience with XXXX XXXX . 15 USC 1681a-exclusions : report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was sold/transferred from XXXX to Wells Fargo . According to the date the balance should have been paid with automatic payment before the transfer.
Product: Credit reporting or other personal consumer reports

I am exercising my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ) to dispute and request an investigation into the accuracy of information on my credit report. 

Account Name : XXXX  Account # : XXXX Account Name : XXXX Account XXXX XXXX XXXXXXXX Account Name : XXXX Account # : XXXX Account Name : XXXXXXXX XXXX Account # : XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXXXX XX/XX/XXXX
Product: Debt collection

I received a letter from American Coradius International LLC, the number is XXXX.  They claimed they owned XXXX of my debt, the creditor is XXXX, XXXX.  I checked my XXXX account, there is a $XXXX balance, I've never carried a balance on XXXX, this is obviously a false claim by a crooked collection agency that somehow got my address through dubious tactics.They claimed their NY State License is XXXX.  I'm reporting them to you for investigation of fraudulent debt collection.
Product: Checking or savings account

on XX/XX/ i went to the bank to deposit XXXX. I filled out the deposit form with that amount and passed it to the teller and she asked me for the money, the teller called 2 more colleagues to help her count the money, the 3 people manipulated the money and passed it through the bill counting machine, they stamped it with the bank advisors and said it was ok, they proceeded to take it to the back where I do not have it in sight and 1/2 hour later the teller came out and told me that she had to count the money again and that this time XXXX usd was missing. 

In the end they only consigned me XXXX usd and they stole the XXXX usd. I have made claims to the bank, XXXX but they only give me information by phone where they tell me that they checked everything and that the amount that they consigned me is the amount that I spent when it is not so I spent XXXX usd. 

I denounce the bad protocol of the bank by allowing 3 different people to manipulate the money going in and out, I denounce that they tell me what is missing when I lost sight of the money because they did not say it to my face when they counted the money. 

I request that you help me to mediate with the bank to actually do the investigation, share a copy of the security video with me or give me a guide on how to proceed in such a situation.
Product: Money transfer, virtual currency, or money service

PNC will not link accounts to apps such as XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

You request from case # XXXX STATUS Company responded on XX/XX/2019 RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint on XX/XX/2019, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. In your complaint, you indicated that you have requested an investigation multiple times but have been delayed by Experian. You would like the items removed from your credit report. In order to better assist you and to research this matter fully, we will need you to provide Experian with proof of your Social Security number, such as a copy of the Social Security card or a document from the Social Security Administration that displays your name along with the Social Security number. Please also include your specific disputes or request for a credit report when you provide this information. Please note if you have additional information that your disputing to please submit your exact disputes along with the specific reasons you believe the information is inaccurate. You may send this information to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX and we will promptly address your concerns. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian. 

See enclosed SSN card and DL ...
Product: Checking or savings account

Im about to travel internationally and have been trying to reach customer service on their supposed 24 hour help line. Every time I call the 24 help line it hangs up on me no matter what option I choose with the message that they are closed and to call back during business hours. The number Im calling is the one on the back of my debit card which is labeled 24 Hour Customer Service Toll Free. I find it ridiculous that if I have issues with my personal money and bank account that I dont have access to someone that can help me with my funds. Especially on an advertised 24 hour help line.
Product: Credit reporting or other personal consumer reports

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

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : 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 XXXXXXXX ; Opening Date : XXXX, XXXX, XXXX In addition to, the Credit Agencies stated everything was complete, accurate, and all the fraudulent items will be removed and or blocked in the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Bureau . According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile. The selected laws are as follows : 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 ], 15 U.S.C 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n.
Product: Debt collection

This debt was never mine. I did not open an HSBC account in XXXX 2014. I have continuously disputed and XXXX has not sent any type of verification. It has been over XXXX days I want it deleted from ALL XXXX CREDIT REPORTS.
Product: Mortgage

The purpose of this complaint is to report a deceptive and misleading advertising scheme by United Military Mortgage LLC. 
" Low VA Rates '' is the DBA for " United Military Mortgage LLC, a residential loan originator. I am an attorney. On XXXX XXXX, 2016, I received the attached letter from Low VA Rates ( dated XXXX XXXX, 2016 ) which was addressed to my former client, XXXX XXXX. The body of this letter states that " Your VA Guaranteed loan at XXXX XXXX XXXX XXXX. XXXX XXXX has been selected for analysis by Low VA Rates .... Your potential new principal and interest payment has been calculated at {$670.00} per month. '' On the reverse side of the letter, Low VA Rates states that the estimate was based from data collected from public and third-party data. 

It is clear that Low VA Rates is being deceptive in its claims because a rudimentary search of public records would reveal the following : 1 ) XXXX XXXX does not have a VA guaranteed loan for the property located at XXXX XXXX XXXX XXXX. XXXX XXXX. 
2 ) XXXX XXXX does not own property at XXXX XXXX XXXX XXXX. XXXX XXXX. 
3 ) XXXX XXXX XXXX XXXX. XXXX XXXX is in fact my office address. 

I suspect Low VA Rates simply purchased a mailing list from XXXX of XXXX former creditors and -- without doing any research whatsoever -- sent a letter claiming that Low VA Rates had in fact " analysed '' and " calculated '' the specifics of XXXX loan. This is a lie and an active attempt to mislead and deceive consumers. 

As a civil defense attorney, I see many such letters mislead my debtor clients. In my experience, the average reasonable consumer would not be able to determine that Low VA Rates ' claims were false, but would instead be led to understand that research had been done concerning the particular loan and that Low VA Rates was making a solid offer. 

I further believe that -- due to both the claims of the letter and the obvious falseness of said claims -- this deception can only be intentional. This is the sort of intentional violation and victimization that the CFPB was created to protect consumers against.
Product: Debt collection

XX/XX/XXXX, XX/XX/XXXX and many other random dates I do not have recorded as many different numbers keep calling. An amount was never given only that a debt is owed from XXXX when I know I do not owe this debt. It is out of statuate of limitations for my state and there was literally no mini Miranda read letting me know who or what this entails. They are all very rude and wouldnt all a word in. Asked to speak to their attorney as it is in a pre legal status was called out of name told to pay my debt and hung up on. Have asked many times to not be called. Was told will keep calling. No credentials ever given but first names. XXXX and a XXXX XXXX. I am a XXXX XXXX and know my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've called Experian Credit Bureau starting on XX/XX/XXXX till today XX/XX/XXXX no person available only recordings ... no help then or now. Went to website and still- no help and had a form to mail so sent form overnight and they received it on Friday morning still no response as of today XX/XX/XXXX. Trying to purchase a vehicle and need them to unfreeze my account. Please help. 
Thank you,
Product: Checking or savings account

I have a number keeps calling me from Arizona they claim there a debt coller but it's a XXXX number from XXXX voice her name is XXXX XXXX making harassing phone calls she claims there a business and trying to collect money for a hospital bill They call from a XXXX number which you XXXX XXXX they say there from Arizona from are from the state of Georgia it's a scam and really they really need to find things to do with there time instead of makinging harassing phones calls XX/XX/2023
Product: Credit card or prepaid card

I originally used my reward to purchase XXXX gift cards, prior to redeeming my points for these cards I called customer service to verify that these gift cards would not expire since I was not planning on using them immediately but didn't want my point to expire. I was assured that these cards would not expire. Upon receiving the cards, I opened the envelope and glance inside to make sure the number of cards ordered were there, I did not take them out and look at them. this was back in XX/XX/XXXX ) I went to use them XX/XX/XXXX and was denied at the merchant because they were expired. I argued and said that couldn't be, the next day I called Bank of America and and was told that these cards did expire. I explained to them that it was not what I was told. After over an hour on the phone being transferred all around the company I was told someone would callme back and they will more than likely re-instate my points or re-issue my cards they have seen this resolved that way many times. I never received a call back. Called back again and they stated that they called me back, but after verifying and correcting my phone number the everyone I spoke to on that call the system was still showing an incorrect number. so I was transferred around again and again was told someone call me back and this was an easy resolution. Again no call. This went this way until about XX/XX/XXXX. After numerous transfer I finally go to speak to XXXX who was supposed to be supervisor. She needed to get approval and would call me back that day, surprisingly she did and told me that she had approval to re-issue my cards and they would be sent to my home address. I never received anything. I called again XX/XX/XXXX and spoke to XXXX another supervisor who was going to send me an escheat form to have my cards re-issued and assured me they would. He also did not have notes in the system of my conversation with XXXX. It is now XX/XX/XXXX and I still have yet to receive new cards. I am beyond frustrated. I have been a customer since XX/XX/XXXX and this XXXX card is my go to card for all my purchases and my account is always paid on time if not early. I never carry a balance. I have attached a more detailed letter with all the names of the people I have spoken to over the past 5 months, it's about 20 in all. This has cost me so much time and aggravation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX XXXX in amount of XXXX dollars with the date of XX/XX/2013 should no longer appear on credit reports as it is past the statute of limitations. It still appears on Transunion, XXXX, and XXXX, even after attempts of removal with credit repair company on my behalf.
Product: Debt collection

Patenaude and Felix APC Isa debt collector for XXXX XXXX. During the pandemic my account went to collections. My wife and I had a joint account. Patenaude and Felix sent garnishment letters from XXXX to XXXX. They began my wages weekly in XX/XX/XXXX. My wife contacted them to resolve her issue or put blame me. My wife and I are separated and not speaking with each other. Patenaude and Felix APC sent legal documents to my payroll department at the XXXX XXXX XXXX in XX/XX/XXXX. My name is the only name mentioned on a joint account with my wife XXXX XXXX. ( Credit card ending XXXX ) The garnishment is weekly between {$99.00} to {$110.00}. My wages at the is XXXX hourly. What Justice would approve garnishment of my wages? I think it maybe a scam. The garnishment totals $ XXXX monthly. There's many scammer 's out there. My apartment complex make fraudulent charges too. 

*Please cancel my current complaint XXXX. It was entered incorrectly. My apologies.
Product: Credit reporting

The Equifax credit bureau continually reports old, outdated information on my credit file, particularly 1 account which was paid off over 1 year ago in XXXX 2014 is still being reported as an active collection account even though the collection agency indicated in writing that they have been reporting a paid in full status and XXXX balance. 
Also, I have tried disputing old, outdated information online, however, Equifax stops the online reporting process indicating they can not verify my identity and who I am. 
Which entity or agency XXXX credit bureaus which make their living by publishing old, outdated information, so credit grantors can make more money and profit because bad information is being reported on consumers?
Product: Credit card or prepaid card

I contacted Discover several times over the last 3 years via phone, chat, and email to investigate identity theft that happened. They have yet to accurately complete an investigation, have never gave me temporary credits previously, never froze my account, and never helped me to take preventative action. This led to Discover sending additional and UN-authorized cards to addresses that I have never lived at, and to people that I do not know. The fraud continued to happened and led to over {$10000.00} ( and possibly up to {$50000.00} ) worth of fraud charges that I am still attempting to be reimbursed for from Discover. These were some of the first charges and if Discover would have taken action, a lot more could have been prevented. 

I have provided police reports, FTC identity theft reports, credit reporting reports, and my own personal expenses to hire experts to prove that my identity was stolen and fraud happened on my card. The following charges in early 2017 should be investigated as they were not authorized. In addition all charges for unauthorized cards should be removed. 

XX/XX/17 XXXX XXXX XXXX XXXX  XXXX CO {$27.00} XX/XX/ XXXX XXXX XXXX XXXX XXXX CO {$9.00} XX/XX/ XXXX XXXX CA {$100.00} XX/XX/ XXXX XXXX CA {$27.00} XX/XX/ XXXX XXXX CA {$51.00} XX/XX/ XXXX XXXX XXXX XXXX XXXX CO {$12.00} XX/XX/17 XXXX XXXX XXXX CA {$190.00}XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$30.00}XX/XX/XXXXXXXX  XXXX CA {$87.00}XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX CO {$30.00} XX/XX/ XXXX XXXX CA {$63.00} XX/XX/ XXXX XXXX XXXX XXXX XXXX CO {$35.00} XX/XX/ XXXX XXXX XXXX  # XXXX XXXX XXXX CO {$53.00}XX/XX/XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX CO {$11.00}XX/XX/XXXX XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX CO {$5.00} XX/XX/ XXXX XXXX XXXX  # XXXX XXXX XXXX CO {$25.00}XX/XX/XXXX XXXXXXXX   XXXX CA {$130.00}XX/XX/XXXX XXXX XXXX XXXX NY {$48.00} XX/XX/ XXXX XXXX   XXXX {$110.00} XX/XX/XXXXXXXX   XXXX CA {$60.00} XX/XX/ XXXX XXXX XXXX XXXX CA {$60.00} Up to today Discover has not provide any findings for any of my requests for investigations into fraud. Discover has not provided any evidence that these are legitimate charges. Discover has knowingly sent my credit cards to incorrect addresses to a known fraud user. Discover has provided no monetary response to the financial hardship they have put me through. Discover has falsified or removed their documentation to cover the lack of action. 
I have seen that my current balance is negative. There are no details but a generic balance transfer amount to possibly cover all the fraud charges. However they are not allowing me to close the account and take this money that is owed to me.
Product: Debt collection

In2017XXXXchargedme{$1500.00}for2fraudulenttransactionsthatweren'tmadebyme.Nowafter2years,XXXXadded{$1300.00}ininterestsandfeesandsoldthedebttomultiplecollectioncompanies.Oneafteranothertriedtocollectthesameamountofmoneyfromme.2weeksago,XXXXXXXXXXXXagreednottocontactmeanymoreforthedebt.Today,ResurgentCapitalServicescontactedmetotrytocollect{$2500.00}.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : - XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX 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  You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Equifax and XXXX are sharing my credit information without my signature persuant to 15 .u.s.c 1681a # 2n and 15 u.s.c 1692gb and engelhardt v.gravens
Product: Credit card or prepaid card

Hello This is regarding my Best Buy credit card, back in XX/XX/XXXXXXXX and XX/XX/XXXX and XX/XX/XXXX, they stated in my report that Ive missed payment due to not having funds in my account, but the issue was not noticeable by me and I Never revived a bill saying I have missed a payment at that time. On top of that my main account source where I was doing payment had closed with out me noticing kind of went thru hardship for a moment with out any notic that I was late on payment thinking that it was done automatic, so I contacted the credit company and they promised to fix the issue and remove the late payment marks witch never happened. As you see Ive never missed a payment ever since or before that. And Im so upset due to the fact they gave me their word to fix and help me remove isssue and didnt. What should I do please help me with this issue thanks.
Product: Credit card or prepaid card

On XX/XX/XXXX, I bought the pre-paid card, added {$50.00} onto it at the same time as I bought it, and activated it when I got home. I immediately noticed it had been a bad idea as I read about all the fees. 

I went ahead and decided to close the account and get my remaining balance of {$50.00}. 

They sent me a check in the mail for {$44.00}. The check is dated XX/XX/2021, but I got it XXXX XXXX. 

Today is XX/XX/XXXX and I can't cash the check because it's no longer valid. 

So I called them and the customer service told me that I won't be getting any more checks and unfortunately my balance can not be retrieved.
Product: Credit card or prepaid card

I have been making purchases with my credit card and when I make a full payment it does not show that I have been paying it. In the month of XXXX, I paid {$630.00} and made {$580.00} worth of transactions which would mean I overpaid but, I was still being charged as if I did not XXXX out the balance.
Product: Debt collection

I filed for bankruptcy chapter XXXX  on XX/XX/XXXX and the house I own in that time was discharged on XX/XX/XXXX. I filed chapter XXXX bk on XX/XX/XXXX and the company XXXX XXXX is trying to include this discharged debt on this bankruptcy.