23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I believe that I have been targeted by debt collection scam by a firm named CRS purporting to be a law firm and threatening suit on a stale account in addition to not identifying themselves as a debt collector. Today I received a voicemail from their computerized pre-recorded auto-dialer that stated the following message : " This message is intended for [ my name ], we have been instructed to obtain a statement from [ my name ] prior to filing in your jurisdiction you can provide your statement directly to XXXX. '' I later called the number and the call was answered as " CRS '' by someone identifying themselves as XXXX who reluctantly said was a receptionist after extended questioning. I asked her why they called and she said that it was regarding a debt I owed. I asked where they were based out of and she said they are out of New York. I asked her if they were a debt collector and she said that they were not a debt collector, but a " pre-litigation '' ( her words ) company. I asked what that was and if this was a law firm, she stated again that they are a pre-litigation company and work with a group of attorneys. At no time did she explicitly state that the call was for debt collection purposes, despite stating the call was regarding a debt I owed. She confirmed my name and the county my address is in. 

She said that she would transfer my call to the paralegal handling my case after verifying my information which I gave to her. She transferred me to someone identifying themselves as XXXX who said that they were calling on behalf of XXXX XXXX XXXX who I failed to repay a debt to. I told her I do not recall having any current XXXX XXXX XXXX debts and she said that I opened the account in XXXX and stopped paying it in XXXX. I asked her if she was threatening me with a lawsuit on a time barred debt and she stated that it was illegal not pay them back. I told her failing to pay debts was not illegal and asked again if they were trying to sue me on a debt outside of the statute of limitations. She became very loud, abusive and insulting, which made me angry and I yelled back and she hung up on me. 

I called back the original number and spoke with the same person that answered the original call, I asked for her name and she said it was XXXX XXXX and I asked for my representative 's name and she said that it was XXXX XXXX. I Googled the name CRS and found out that the company was currently being sued by the FTC and has a history of similar actions in addition to no longer being licensed in my state.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C. 1681 section 602 A status, 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Reported a hard inquiry on XXXX and XXXX to the following Credit Bureaus ; XXXX, XXXX, Equifax. 

I never authorized or applied for credit or services with XXXX I contacted XXXX and they reported no record inquires but refused to contact the credit bureaus for removal of hard inquiry.

I contacted the 3 credit bureaus but they said I needed to contact XXXX, so I am getting the run around.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX  XXXX Balance : {$3400.00} XXXX XXXX  XXXX Balance : {$2400.00} XXXX XXXX XXXXXXXX Balance : {$9900.00} XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

hi, My name is XXXX XXXX XXXX. My Chase bank account number is XXXX. Somebody stolen my check a year ago. This check was supposed to pay my property tax. The burglar use the fake ID and also altered the check. The thief went to XXXX XXXX cashed the check. I contacted the chase claim department 9 months. They said I will get my refund in 2-3 months. But they were lyiing to me again and again. I went to branch twice to submit my documents. After one month they called me that they need my property tax bill. I gave it to them. They always have excuses when I called them. I just contacted the executive office. They said I didnt give them the property tax bill. They have to reopen a claim for me again. This was a lying. I was so mad about this. They treat poor people like a trash. They dont care about our situation during this pandemic.
Product: Mortgage

On XX/XX/XXXX I messaged Chase Bank about the due date on my mortgage account. When I went to make my payment for XXXX, I noticed that the due date was for XX/XX/XXXX. I received a message stating we never paid for XXXX. This is false, we paid on XX/XX/XXXX. I replied and broke down the last year of payments showing that we have never missed a payment. The Chase agent then proceeded to tell me that they incorrectly applied {$850.00} in XX/XX/XXXX and then again in XX/XX/XXXX to the principal amount instead of to our mortgage payment. Thus causing us to be a month behind and cause ~ {$600.00} in late fees. They told me that they cant fix it and I just need to pay 2 mortgage payments this month. I tried fighting this since it was their fault. I have since paid one mortgage payment and tried to contact them again. About every 4 days I get a generic message saying they are still working on it. However, now they have placed us as delinquent and this has dropped our credit significantly. I want this resolved, the money credited to our account, and the delinquency status erased and my credit fixed.
Product: Payday loan, title loan, or personal loan

On XX/XX/22, I sent a XXXX XXXX XXXX to Initiate Electronic Funds Transactions to Explore Credit and can confirm that they received the document ( attached to this complaint ). On XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22, and XX/XX/22, Explore Credit debited {$130.00} each time from my bank account. I never authorized these transactions or rescinded the XXXX XXXX XXXX to XXXX XXXX Funds Transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I enrolled my Barclays Bank credit card account in a debt consolidation program with a credit counseling agency, XXXX, to manage my outstanding debt. This was a mutual agreement between Barclays and XXXX. 

Through this program, XXXX began making regular payments to Barclays to reduce my debt. Despite these regular payments, Barclays continued to report delinquencies on my account to XXXX. This has led to significant errors on my credit report, negatively impacting my credit score. 

I have attempted to resolve this issue directly with Barclays on several occasions since noticing the discrepancies. I have spoken with customer service representatives and sent written communication, to no avail. The alleged delinquencies are still being reported despite my account 's enrollment in the debt consolidation program. 

The agreement with XXXX  was made under the understanding that the regular payments would be recognized as satisfying my debt obligations and thus no delinquencies would be reported. The continued reporting of failures by Barclays contradicts this understanding and the nature of the debt consolidation program. 

I am seeking immediate rectification of this situation, including ceasing reporting delinquencies on my account and removing these inaccuracies from my XXXX credit report.
Product: Payday loan, title loan, or personal loan

Had a personal loan with Wells Fargo initiated probably XXXX  years ago went through for closure in bankruptcy eight years ago and it was taken off and then it was in the amount of about {$24000.00}. They never took any more payments out of my account or anything so obviously it was handled in the bankruptcy then about four months ago all of a sudden they took the {$24000.00} out of my account without my knowledge And when I called them, they said it was from that loan I explained again it was gone through foreclosure and bankruptcy, etc. etc. and they refused to listen and said I opened it and just took the full amount out of my account which was my savings, and that all I had to my name Has caused me terrible difficulties. Would love to see some of this brought back thanking you in advance for anything, you can do been with this company since XXXX  or XXXX.
Product: Credit reporting or other personal consumer reports

aIn 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 168b permissible purposes of consumer reports. 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. 
ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction. 

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. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Debt collection

I have been receiving threatening calls from a customer service agent at Hunter Warfield. They guy will not give me his name. He purposely would state my name wrong after correcting him multiple times. I simply asked for him to cease and detest calling my and my family multiple times and I would like documentation in writing so I can pass along to my lawyer as I have mold and lead case in regard to this debt. The agent told me that he didnt care what I had and the he loves to talk to lawyers and demanded my lawyers information. I told him that I no longer feel comfortable speaking with him and I feel threatened by his tone. He told me that they already mailed out documentation I told him that I never received and if he could mail again? He stated that is not my problem that you are not receiving your mail. I asked him again what was his name and could I speak with his supervisor. He became hostile which forced me to hang up on him.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a few inquiries that were placed on my credit report on Different dates by Synchrony bank from SYNCB/PPEXTR that has an inquiry date of XX/XX/XXXX and SYNCB/QVC that has an inquiry date of XX/XX/XXXX and another inquiry from SYNCB/TJX DC that has an inquiry date of XX/XX/XXXX and another one from SYNCB/DKS that has an inquiry date of XX/XX/XXXX and another one from SYNCB/AMAZON that has an inquiry date of XX/XX/XXXX. I sent the credit bureau ( XXXX ) a dispute letter asking them to verify the inquiries because I did not authorize the company or anyone to submit any application and if synchrony bank claims that I agreed for them to pull my credit then I want to see the original documentation with my signature for every single one of these inquiries, because the FCRA states the company needs to have permissible purpose. All that the credit bureau sent me was a copy of the credit report that says that synchrony bank verified or validated these inquiries when in fact I never authorize the bank to submit any applications for credit. What I received from the credit bureau is not enough to validate these inquiries. I received the copy of the credit report on XX/XX/XXXX, these applications was submitted fraudulently.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent account and inquiries listed below from my credit file. I am a victim of a data breach, and I did not authorize or initiate these items.

Fraudulent Account XXXX XXXX  ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$610.00} ) Fraudulent Inquiries XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX  ( Date : XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX XXXX  ( Date : XX/XX/XXXX ) XXXX XXXX XXXX ( Date : XX/XX/XXXX XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXXXXXX XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX XXXX ( Date : XX/XX/XXXX )
Product: Money transfer, virtual currency, or money service

I used square at to take a payment from customer and square closed my account and kept my money
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been paid in full. The company website has no way to attach receipts of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted XXXX disputes with TransUnion, XXXX Disputes with XXXX, XXXX disputes with XXXX regarding a collection account they have let remain on my Credit Report, even though I have asked the companies listed below for a " SIGNED CONTRACT '' by me, Per the F.C.R.A..XXXX XXXX XXXXXXXX has had XXXX different occasions to produce such documentation if they had any, I have yet to receive such a contract, which is required to " MEET FCRA STANDARDS ''! I have provided proof of this account being removed/deleted from my XXXX XXXX XXXX If XXXX could not verify this account per the XXXX, How are TransUnion and XXXX doing so? XXXX XXXX XXXX LETTER, XXXX XXXX XXXX - XXXX letters, XXXX - XXXX letters, TransUnion - XXXX Letters XXXX - XXXX Letters
Product: Credit reporting or other personal consumer reports

This morning, I discovered accounts on my credit report that are completely inaccurate, and Im utterly baffled about how this happened. Ive checked my credit report like I always do, but suddenly, there are these mistakes. I tried refreshing my browser, thinking it might fix itself, but the errors remained. Please, Im begging you to carefully examine the information Ive provided to resolve this once and for all.
Product: Bank account or service

Ally Bank locked out my account. Despite my submitting all the required documents they still have locked all access to my account for over 24 hours
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I submitted wrong info for XXXX XXXX XXXX Im submitting correct infoI have attached a statement showing I have reached and disputed this months ago and they didnt do anythingLegally they are not properly verifying the incorrect and inaccurate info on my XXXX credit reporting agenciesThey never got me the info I requested.So they could properly verify the account
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I disputed the presence of a fraudulent account on my XXXX credit report, which is being reported by Capital One. Despite my repeated attempts to rectify this matter with Capital One directly, they have only removed the fraudulent account from my XXXX and XXXX credit reports, leaving it unresolved on my XXXX report. 

This fraudulent account, which I have never opened or authorized, has had a significantly detrimental impact on my credit score and financial well-being. It is imperative that this erroneous information be promptly removed from all of my credit reports to prevent further damage and restore my creditworthiness. 
As a consumer, I am entitled to fair and accurate credit reporting under the Fair Credit Reporting Act ( FCRA ). It is unacceptable for Capital One to selectively remove negative information from certain credit bureaus while neglecting to do so from others. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) intervene in this matter and ensure that Capital One complies with its obligations under the FCRA by promptly removing the fraudulent account from my XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is filed against ARS National Services for unlawfully obtaining my XXXX consumer report on XX/XX/2022 without my authorization or a permissible purpose under the FCRA. Im aware the FCRA allows consumer reports to be obtained but only per 15 USC 1681b. 
I have not initiated any transaction with ARS National Services. Furthermore, I do not have an account as defined under 15 USC 1693a ( 2 ) with ARS National Services, for review or collection.

I sent ARS National Services a certified letter via USPS with tracking XXXX XXXX XXXX XXXX XXXX, which they in fact did receive. I have enclosed a copy of the signed PS Form 3811.

Im demanding this company provide documentation supporting their permissible purpose for obtaining my XXXX consumer report.
Product: Credit card or prepaid card

I went into XXXX  to make a purchase and I try to resolve with visa vanilla gift card. When I made the purchase I wanted to have a refund of {$75.00}. They are refusing to refund me
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I received

a letter from Rushmore Service Center attempting to collect a debt that I do not owe. I then sent out a cease and desist letter, an affidavit of truth and an invoice with the list of violations this company has. I have never done business with Rushmore Service Center, I did not authroize them to communicate with me and an investigation was never done, because if it was I should have received the documentation to prove it was completed. I am the consumer in fact, natural person, original creditor, lender, executor Pursuant to 15 USC 1692c ( a ) Communication with the consumer generally was not given to you by me. Pursuant to 15 USC 1692c ( b ) Communication with third parties I did not give you consent to contact me. Pursuant to 15 USC 1692j ( a ) It is unlawful to compile a form in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Please note that I am holding you civilly liabile for noncompliance according to 15 usc 1681n
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Equifax and XXXX are reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting this account or if this account even belong to me. I have sent XXXX dispute letters to Equifax, XXXX XXXX XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, WF CRD SVC add a  hard inquiry on my credit report per XXXX. 
On XX/XX/2020, WF CRD SVC add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts do not belong to me. I am not financially responsible.
Product: Payday loan, title loan, or personal loan

I looked on my online bank checking account at First National Bank and saw on XXXX a direct deposit of {$7100.00} to my account from my insurance company for a claim of damage to my roof. It was in the afternoon on that day. Then on XXXX during the afternoon I transferred {$4000.00} to my savings account of the same bank. On XXXX I looked on line again and surprisingly saw a Line of Credit of {$2000.00} from the bank saying I owe that money for arrears in my account. I talked to a supervisor, XXXX ( last name unknown ) and asked why was the Line of credit issued. He told me the {$7100.00} was posted on XXXX not the XXXX. I told him I saw {$7100.00} was direct deposit on line on the XXXX and that's why I transferred {$4000.00} on the XXXX. I asked him why did they move the direct deposit from the XXXX of XXXX to the XXXX of XXXX three days later? He did not give me an honest answer because he wanted me to believe that the amount took a few days to be posted, but I kept telling him " I looked on line and the deposit was on the XXXX and how could I see that and know I could transfer money on the XXXX ''. He would not accept the fact it was deposited on the XXXX, nor resolve anything with me and said I had no recourse that it was either employee error or a glitch in their computers. I would like to be reimbursed my {$2000.00} I had to clear for their Line of Credit they charged me wrongfully, and not admitting a glitch in their computers or employee error. I can not pay {$2000.00} for their mistakes.
Product: Mortgage

Freedom Mortgage sent me a check for an escrow overage of ~ {$400.00} in XXXX. In XXXX, they told me my escrow account was short {$190.00} and I had to send them that immediately, but my payment would also be increasing to cover larger escrow in the future. Why did n't they calculate future escrow at the time of the refund, keep the money and keep my payment the same?