23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I contacted IC Systems on XX/XX/2018 in regards to a debt they are reporting on my credit report from XXXX XXXX XXXX. I was connected with XXXX XXXX XXXX ( ID # XXXX ). I explained to XXXX XXXX that I had previously contacted the XXXX  regarding this debt as it did not belong to me ( it belonged to my ex-son-in-law ). As a result of my XXXX complaint, XXXX agreed to remove the account from my name and delete the credit notation. XXXX XXXX indicated that he would mark the account as " disputed. '' I then asked what the process would be from there, and XXXX XXXX replied that IC Systems would take no action until they heard from XXXX. I informed him that it was IC Systems that was reporting information to the credit bureau, not XXXX, and that they are responsible for the information they report. As such, I urged that they contact XXXX to verify the validity of the debt they were reporting. His response was that it was not their responsibility to contact XXXX, but rather that it was my responsibility because it was my debt. I told him if they did not research the debt I would contact the XXXX. At that point, he provided his name and ID # and the call ended, with IC Systems continuing to refuse to research the debt they are reporting. I did follow up with a XXXX   complaint which is currently pending.
Product: Checking or savings account

To whom it may concern, I am writing you in regards to my checking, savings, and cds accounts Ive had with TD bank with over {$8000.00} dollars in funds. Unfortunately, I was and continue to deal with being a victim of identity theft, hacking, fraud, spoofing, and phishing. Ive had to contact the 3 credit bureaus in order to stop them for furthering deteriorating my credit score as a result of all these issues. Ive gone personally into a local branch, to be more specific. it was the TD North XXXX XXXX in New Jersey. Ive met with XXXX XXXX XXXX, and although she was able to assist me with this issue and froze my accounts to prevent further damage and a continuation of accessing my funds through their online or debit card atm withdrawals or XXXX  transactions. They even contacted the branch pretending they were me in order to access the full credit I was given in the beginning of my claim and XXXX XXXX forwarded that information to the Fraud Department. It is very upsetting that she had informed me from the very beginning that she would keep me in the loop with any updates on my claim and accounts. As a result of my childs custody war, I depended on her to reach out to give me an update on my ccount and when will my funds be back in my accounts again. She did not inform me that there was a credit issue or that the people committing the fraud had overdrafted my accounts with over {$1000.00} dollars by changing the status of my accounts overdraft fees agreement between myself and TD bank. It was thanks to XXXX which I also bank with that I became aware that someone was accessing my accounts through a different phone number and phone. Ive spoken to Managers in Fraud and Recovery and they keep continue to give me the run around and blaming each department for the responsability of my bank accounts and as a result of this issue my accounts were sent to recovery without notifying me that once this issue was sent to that department, I would be unable to resubmit my claim unless I bring my accounts back to positive even though I wasnt the one who put them in that state to begin with. Ive tried to escalate this to a higher level in the bank and I keep getting empty promises from the main branch in XXXX that they are going to look into it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Student loan

I have reached out to this company in regard to the original contract for the student loan. I reached out on XXXX XXXX and XX/XX/year>. I sent letters to the CRA 's disputing due to student loan reporting without permissible purposes under FCRA. I have not given this company written instructions to report this account which is a violation of 15 USC 1681b which says that their needs to either be a court order or written instruction by the consumer in which it relates. Although I may have given consent to a previous lender or servicer this does not extend to any and everyone who comes to have knowledge of this account. You do not have permission to continue to use my information and I request you cease and desist furnishing it to anyone for any reason. I refuse to allow this to continue. As a consumer I have a right to privacy and congress stated in 15 usc 1681a ( 4 ) that there is a need to ensure that consumer reporting agencies exercise their grave responsibility with respect the consumer 's right to privacy. As a furnisher you are violating my rights as a consumer. So, moving forward again you do NOT have the permissible purpose nor my consent to furnish the following accounts on my consumer report. Any further reporting will be willful non-compliance of the law. I request that you conduct a thorough investigation into this matter and remove the aforementioned accounts from my credit report. Please be advised that the investigation that you conduct must comply with the FCRA definition of investigation and include the name, address and phone numbers of everyone that you communicate with. I have also sent communications directly to each servicer. Any further sharing of my information will be considered identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has fail to report accurate and fair information to my credit report for the past 10 months. It is clear to me that the do not care to follow fcra rule, this is my life in their hands and I am completely sad to be going through this. I submitted a FTC report along with my statement and supporting documents on XX/XX/XXXX not XXXX single account was blocked from report with in the XXXX business days required. I have since dispute the accounts again XXXX additional times XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with no dispute started. I just called and spoke to a rep who refused to look at my supporting document, told me my documents came from a third party and would not review any notes or recorded phone calls from when I called in requesting the information be removed from my consumer report. apparently calls arent recorded and I would receive a call from his manager in XXXX which is not okay since I have been suffering with this for 10 months. During this time i have yet to be provided with in status update or letters in the mail or even appropriate validation with my original signature. Therefore I am requesting the following items be removed and deleted from my consumer report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my consumer reports I noticed that Southwest Credit Systems is unlawfully furnishing nonpublic personal information on my consumer reports and nonpublic information that is not accurate. In the report it states that I owe Southwest Credit Systems {$170.00} But I never done business nor have a contract with Southwest Credit Systems to owe this alleged debt. Furthermore, pursuant to the Fair Credit Reporting Act 15USC1681B which outlines permissible purpose in obtaining consumer reports, Southwest Credit Systems did not obtain my written consent to furnish any non public perosnal information on my consumer report nor provided me an option to opt out. This also violates the Privacy act of 1974 which mandates the protection of individuals personal information held by federal agencies and other organizations. By unlawfully reporting nonpublic personal information without my consent, Southwest Credit Systems has infruigued my privacy rights,. Also will like to state that Southwest Credit Systems has committed identity theft by mishandling my social security number, which is a serious violation of my privacy and security.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Reinvestigation of Inaccurate Information on Credit Report Dear Sir/Madam, I am writing to request a investigation of the following item ( XXXX ) on my credit report. I believe that the information listed below is inaccurate and would appreciate your prompt attention to this matter. 
Disputed Item ( XXXX ) : Account Name : Capital One Account Number : XXXX Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

Commercial acceptance company or XXXX XXXX XXXX XXXX XXXX has been reporting to my credit report stating I owe {$150.00} for an ambulance ride or services that I never received. I did not call out the ambulance and when they arrived i denied services. I also was on state medical insurance from PA at the time of incident. XX/XX/2017. I was an XXXX  XXXX victim on that day. This company harrassed me at all times when they had my phone number and would send out letters as well to me. I again never used or contacted them for services. if they need to charge someone then please have them charge the neighbor who origionally called for services without my consent or knowledge. i have disputed this on my credit reports with no success. Please help me allievate this from my credit report as i am the victim.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I contacted what I thought was a dog breeder in XXXX for a sale of a dog, we had communicated back and worth a bit, which I have copies of if needed and I agreed to purchase a dog, once I agreed they asked if I had paypal/venmo, so after some conversation I sent monies via paypal/venmo, then I was sent a confirmation that they received monies and I was sent a tracking number after another conservation of shipping the puppy and I was told the puppy would be here in the next 24 hours. I then agreed to send another amount for the insurance of puppy. I never received the puppy. I then contacted the contact person and transportation company with no success of getting my monies back. I contacted the police right away and they have been doing a on going investigation with no success of getting monies back. I called paypal/venmo and they were no help at all. Total amount was {$1700.00} breeded was XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Shellpoint provided misleading information and did not provide any consumer alerts for forbearance to be managed correctly. 

The told me over a call forbearance would be for 6 months. 
Then i get a 60 day late XXXX & XXXX Previously I had done the 6 months and all of a sudden it was 3 months. 
No email. 
No calls from account manager or bank.

No clear communication giving me an opportunity to manage my account. 
Mortgage statements did not come or they were also misleading showing all LATE so wether i was in good standing or not showered late so I couldn't tell when I really was I have been frighting with mortgage company about the unfairness, i have disputed with credit bureau but my credit was still affected. 

Now, I see there is a lawsuit that has been settled for the same reason I am claiming. 
- misleading information - violation of the Fair Debt Collection Practices Act ( FDCPA ) and the California Rosenthal Act
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. 
Account name : # XXXX XXXX Account name ( XXXX  XXXX ) : # XXXX XXXX XXXX account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) number XXXX Account name : XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX of a 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 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: Credit card or prepaid card

On XXXX XXXX XXXX Capital One closed my credit card ending in XXXX for what they stated was inactivity on my account. My account was in great standing and always paid on time and had a XXXX balance at closing. I was never sent any correspondence telling me ahead of time that my account would be closed. I called in and spoke to a customer service representative as soon as i saw the email letting me know the account had been closed. The representative stated that i had been sent a letter to my home address which i never recieved letting me know my account was to be closed. I informed the representative that i neither got a letter in the mail nor any email nor any pop up when logging in to my account stating this would happen. The representative told me he could only put me in for a review for capitol one to reopen my account but that this was not guaranteed. I informed the representative that this was unfair and that i would like my account to be reopened since i actually had a current reservation for my vacation in 2 days where i booked it using that card and that this would end up messing up my whole vacation as well as my good standing with Capital One. As a customer not being notified about closing my account when it is in good standing and has always been, is a heavy burden to bear. PLEASE REOPEN MY ACCOUNT SINCE I NEVER ASKED NOR WAS INFORMED AND NEVER WANTED IT CLOSED TO BEGIN WITH. I FEEL CAPITAL ONE IS TAKING ADVANTAGE OF THEIR CUSTOMERS BY NOT PROPERLY INFORMING THEM. THANKS FOR YOUR TIME.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 XXXX XXXX XXXX  XXXX XXXX XXXX, SD pulled a credit inquiry on me that I did not authorize.
Product: Credit card or prepaid card

I had my card overcharged an hacked into from enterprise an my credit card company said they would fight with me to get my funds back an they charged me an were rude to me when I kept trying to resolve the issue. I was ignored an forced to pay the charges that were overdrafted on my account. After trying to get my credit card company to take off the overcharged assessed fees I had no choice to pay an right after I paid they took my money an dropped my credit card balance an stated because i took too long to pay an was always late when I always paid on time I have my statements it wasnt until I started renting with XXXX an they were overcharging my card an messing with my account as I reported their fraudulent charges. My limit on my credit card has been {$700.00} for 4 years an my score has only changed for 3 years an I have kept up with my payments. They took my {$700.00} an dropped my limit to {$300.00} an refuse to either put my limit back to {$700.00} or give my {$400.00} back. I have been having issues with enterprise for some time now with my credit card an it seems enterprise knows someone in Citibank an every time XXXX report enterprise my Citibank account gets messed with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

I have filed a claim in early XXXX for unemployment benefits. Someone has been receiving my benefits since XXXX until present. I have made complaints by email in regards to this matter.I do have knowledge of how it is that has been receiving my benefits and want them to be jailed for this and others
Product: Debt collection

I placed a catalog order with XXXX/XXXX, I was asked to make an initial make required deposit and did so. However, I never received the merchandise. I have made numerous attempts to have the information removed from my reports with no success. Please see my letter to them with other supporting documentation to support my request to dispute their inaccurate and false reporting to you. Their negative information is impeding my ability to get a mortgage. In XX/XX/XXXX, and XX/XX/XXXX repeatedly requested tracking numbers in order to verify that I never received the merchandise they claim they sent, and to substantiate the return of the money I paid them. They refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DEMAND THAT THIS NOTE BE SHOWN TO AN FCRA LAWYER! 
Dear FCRA XXXX - Please explain to the employees of your company - who are handling my files - please explain to them that they are legally obligated to REMOVE false & un-verified derogatory items within in 30 days of dispute! 

Please also explain to them - that - in my case - that 30 days time frame EXPIRED A LONG TIME AGO! Because of that - they must fully remove all derogatory items from my files THE SAME DAY THAT YOUR COMPANY RECEIVES THIS LETTER! 

Please also explain to those employees that removal of false & un-verified derogatories of is matter of a lot of different kinds of laws! FCRA! CPA! FACTA! 

When XXXX passes laws about a lot of issues - XXXX - XXXX - XXXX - to quickly state XXXX examples - often these issues are connected to Credit Reports & Background Checks. 

A very large number of laws protect people from false & un-verified derogatories. A very large number of laws require ethical conduct by Companies with these kinds of files. These matters are about compliance with XXXX - XXXX  - XXXX & a very large number of other laws! 

Please help the employees of your company understand these concepts!
Product: Credit card or prepaid card

My complaint is about Bank of America 's credit card bill pay interface. I am a new customer through an airline credit card. 

Logging onto the site, you land at a standard ( although poorly laid out ) page for viewing current charges, etc. The problem starts when you click through to pay the bill. On the main page it's a tab to click on, but once you navigate to the bill pay interface the issues begin.

1. The bill pay interface is a terminal page : you can't navigate back to the main page and you can't go anywhere else on the site. You can read some FAQ 's, but you can't go anywhere else without opening a new window and logging back in to the main page.

2. The bill pay interface only shows you the minimum payment due. You have to click around on a few tabs to find the most recent statement amount.

3. Nowhere do they show you the current amount pending on the card, you only see the last statement balance. ( Preventing you from paying the whole amount off? ) 4. When scheduling a payment, you do not get an intermediary step to ok the amount and date for payment. It defaults to the day your payment is due and when you enter the amount you want to pay, it automatically schedules the payment. I had to go back in, and find the way to reschedule the payment. 

It seems designed specifically to have you make the minimum payment on the day the bill is due as to collect the most amount of finance charges if you aren't paying attention or savvy to the buggy site.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is now in XXXX and they do not know our laws and are told to just say no on evrrything you send or call od tel l them aboput fraud or freeze on credit report. 
I have 5 hard inquireys that are n o t mine at all and 2 accounts that arent mine. I sent them police repirt and they said they didnt get. I called and told them to dispute and they didnt understand, hung phone up.They did not do fair credit reporting agencies section 604, 609 o r 611 on my investigation or did it at all. The info on problems are below.

1. 2 accounts with XXXX XXXX  are not mine. 
2. XXXX says I was late on.psyments 4 years ago snd I keep sending them documents showing I made payments on the dates thry said. 
3. XXXX XXXX  says I was late on payments when over seas in war before internet was even like it is now. 
4. 5 hard inquireys. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX all in same month bit they say it was me and it wasnt. 
5. XXXX 7 years ago had fraud on my file for XXXX dollars and they want take off like federal and especially state of Pennsylvania it is against law after 4 years. These new breed of empliyees just say they help and either hang phone up or lie. This is what they teach these foreigners how to make it so hard to fix fraud. They lie when they had lawsuiye and now worse. 

If they would go by federal and state law then I would be fine. 

XXXX XXXX XXXX XXXX XXXX XXXX paXXXX XXXX XXXX XXXX
Product: Debt collection

The company has reported the debt weekly on my credit report rather then monthly or every 30 days.
Product: Credit reporting

I sent disputes to Experian over 45 days ago and when they finally did respond they said they were " unable to honor XXXX my ] request.. '' due to a limited amount of information. This is not true! I gave them a reason for each dispute and detailed explanations. They are attempting to stall the investigation and this is unfair! My name has been defamed because of the numbers erroneous accounts they are reporting. It is my right to dispute these items and by law they must investigate and respond. They have failed to do their part and need to be held accountable! I want these erroneous accounts deleted immediately! I have given them more than enough time!
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5700.00} ; XXXX XXXX XXXX Balance Owed : {$6200.00}.
Product: Mortgage

I paid off my mortgage on XX/XX/XXXX to XXXX XXXX. The company has not released the lien on my mortgage. According to the Internet ( XXXX XXXX ), XXXX XXXX became Bank of America Mortgage in XX/XX/XXXX. I contacted Bank of America Mortgage, but they were not helpful. 
The lien on my property still needs to be released showing satisfaction of the loan.