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

ACCORDING TO FCRA SECTION 605B IT IS ILLEGAL TO REPORT INFORMATION ON MY CREDIT REPORT WITHOUT MY PERMISSION. PLEASE REMOVE THIS FROM MY CREDIT REPORT. THANK YOU I WANT ALL OF THESE INQUIRES TO BE DELETED BECAUSE I DID NOT AUTHORIZE THESE COMPANIES TO RUN MY CREDIT, THIS IS FRAUDULENT. THANK YOU
Product: Debt collection

Daniels Norelli Scully & Cecere contacted my mother at her plce of employment and told her of my debt which she has nothing at all to do with. They threatened to garnish her pay and the said she was lying that she was really me. Then XXXX XXXX threatened to send the marshall to get me. hey took the money from a joint checking account that I have with my mother. They violated my rights under the fair credit act. They gave false information to the courts. I was making payments on this account. They never responded to any letters that I sent to them.
Product: Debt collection

I needed emergency assistance XX/XX/2015. 

For the past three month, I 'm getting calls from XXXX XXXX XXXX for a dept I do not owe. 

When the dept collector XXXX called I gave my information, thinking it was a mistake, I wanted to clear this matter. 

After speaking to the collector. I called the XXXX XXXX ( XXXX ). I was told by the accounting department, I was in good standing. I had reached out to XXXX earlier, after receiving my XXXX bill, I was told to wait on payment due to the fact they had been submitted to my insurance. I submitted a claim to my insurance. XXXX, they paid most of it. I made arrangements with WE. I would make XXXX equal payments to finish off the balance. 

When I called the XXXX, they confirmed, I am in good standing and I have not been sent to collections. I was advised by them not to share any more information with collector. I gave XXXX all the information I had. I was told this information would be filed. 

I have reported the number several times. I have spoken to them twice to explained this to them. The last two times I have expressed the harassment I feel after getting these calls. I have expressed to them that I am still working on recuperating. 

Please help me with this matter. Company info follows:XXXX Professional Recovery Company
Product: Checking or savings account

My checking and saving account were frozen as a result of the investigation being conducted by the XXXX XXXX Sheriffs Department. After the conclusion of their investigation $ XXXX was seized. The account remains frozen subject to an investigation by the United States Secret Service Department, XXXX Branch, investigation agent XXXX XXXX ( phonetic spelling ). My attorney who is submitting this complaint on my behalf was told by the XXXX XXXX that they had concluded their investigation and authorizes the release of all funds. When my attorney informed me of this, I attempted to obtain by funds and found that Saving Account is released but Checking account is still Frozen. Bank of America Customer Service is not giving any information about my Checking account. As a result I am filing this complaint.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX a XXXX XXXX contacted me about a loan, after I accepted to see what she meant she had told me that I could get {$6.00} if I pay {$60.00} to a bank for transaction fee, after paying that she continued want more money.I ended up paying & XXXX more in {$10.00} increments.I finally realized it was a scam.I contacted Cashapp through there chat section and told them what had happen and sent them photos of transactions and asked to get my money back .They told me they could not help me. Later on in XX/XX/XXXX I went to send my daughter in law some money and found out my cash app had been closed .I contacted cashapp again through there chat section and they told me that it was because I was going age there rules, I asked them to explain that to me cause all I use my account for was to receive money and send money to him .I also use it to send money to other family members and receive from them. They told me that my dispute would be sent to the dispute department and they would look at it and it could take up to 30 days for that, so I said ok. So after 30 days I contacted them again about it and they told me it was still under review. I then thought well I will just stop using cash app XXXX kept cash app on my phone and on XX/XX/XXXX I contacted them through chat and asked what was going on with my cash app it has been over 30 days and more. I was told the same thing again it was sent to dispute department. So I asked them to give me a phone number and I hated to talk to someone in person. They then gave me a number of XXXX I was able to talk to a lady, she told me that she could not help me cause she could not find my account and that I would just have to wait till I hear from the dispute center. This has been going on for almost a year and I still can not get my cash app by.
Product: Credit reporting, credit repair services, or other personal consumer reports

Overview Account Number XXXX XXXX Account Status PAYS_AS_AGREED Owner INDIVIDUAL Account Type INSTALLMENT Creditor Classification Loan Type SECURED Original Creditor Name Months Reviewed 3 Activity Designator Terms Frequency MONTHLY Term Duration 36 MONTHS Purchased From Sold To Balance and Amounts Balance {$2500.00} Credit Limit High Credit {$2500.00} Available Credit Account Dates Date Opened XXXX XXXX, XXXX  Date Reported XX/XX/2022 Date of Last Activity XX/XX/2022 Date of First Delinquency Comments and Contact FIXED RATE For questions regarding this account please contact : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX And never use this!!! 
Reported Balance {$75.00} Credit Limit {$300.00} = Credit Utilization 25 % 0 % 10 % 20 % 30 % 40 % 50 % 60 % 70 % 80 % 90 % 100 % Details Payments Overview Account Number XXXX XXXX Account Status PAYS_AS_AGREED Owner INDIVIDUAL Account Type REVOLVING Creditor Classification Loan Type CREDIT_CARD Original Creditor Name Months Reviewed Activity Designator Terms Frequency MONTHLY Term Duration Purchased From Sold To Balance and Amounts Balance {$75.00} Credit Limit {$300.00} High Credit {$75.00} Available Credit {$220.00} Account Dates Date Opened XX/XX/2022 Date Reported XX/XX/2022 Date of Last Activity XX/XX/2022 Date of First Delinquency Comments and Contact For questions regarding this account please contact : INDIGO - CELTIC BANK XXXX XXXX XXXX XXXX XXXX XXXX  and this one also
Product: Credit card or prepaid card

THE GOLDEN 1 CREDIT UNION XXXX and XXXX accounts have been settled in full since 2019. My recent credit reports are still showing balances that are highly impacting my credit scores and preventing me from getting the credit I deserve. Correct or delete the accounts right away!
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. 


I told XXXX, XXXX, and Equifax 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 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 supposed to modify accounts that aren't reporting correctly. 

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: Debt collection

They want to play games. So I will play them. Please respond with the requested documentation. I am asking that they send me the signed contract bearing the wet signature of whomever opened the account. I am requesting that all documentation that will stand in the court of law, outside of a invoice ( unacceptable ) be given to me per FCRA 623, & 609.
Product: Debt collection

I get several phone calls a day at all hours of the day after I had spoke to someone previously about the account being closed by the original creditor. When this was not acceptable I explained my complicated medical complications and offered and settled on a date that they would contact me to settle and close the case by excepting a much smaller portion that would not include late payments or surcharges. I was being charged nearly twice as much as my original debt. This original charge was used for buying prescription glasses for my child.. I could not afford insurance at that time and so buying glasses this way even though I was being taken advantage of was a necessity for my child. I tried to include additional phone numbers they were calling me from but your form only allowed XXXX. I could have supplied you with XXXX more. Again these phone calls are still being made several times a day and all hours of the day with multiple phone numbers.
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 : XXXXXXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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: Payday loan, title loan, or personal loan

I noticed that Mobiloans has reported 30 days in XXXX
Product: Credit reporting or other personal consumer reports

I am reaching out regarding issues I've uncovered on my credit report. I've identified unauthorized and fraudulent inquiries that are causing significant concern. I did not provide consent for these inquiries, and I demand their immediate removal from my credit report.
Product: Debt collection

Hello CFPB employee, On XXXX XXXX, 2015 I sent a request for validation to Pinnacle Credit Services LLC regarding a collection account that they are reporting on my credit reports. Since sending the validation request I have not received a response or the requested information in my request to Pinnacle Credit Services LLC. 
XXXX XXXX, 2015 I sent a XXXX request for validation and again time went on and still nothing received to me from Pinnacle Credit Service. Pinnacle Credit Service has violated my consumer rights under the FDCPA by not supplying me with the proof needed to validate the debt they claim I owe. I 'am coming to you the CFPB for assistance for Pinnacle Credit Service to follow the laws they 're governed by. I 'm requesting that Pinnacle remove the collection debt ( Pinnacle Credit Service, Account # XXXX ) Balance {$570.00} with all credit bureaus, due to no response from the collection agency. Several attempts on my end as the consumer to resolve this matter with Pinnacle has been made. 


Thank you CFPB In advance XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance With The Fair Credit Reporting Act XXXX  XXXX Is For What You Are Disputing ), Has Violated My Rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Bank account or service

A hard inquiry was made without my consent so I contacted the bank and the credit bureauo to find out why.the bank refused to advise me dispite verifying my identity. The credit bureau advised me to get a letter of deletion from the bank to take it off but the bank refused to provide that as well. XXXX redirected me to the credit bureaus and the credit bureaus did the same- redirected me to the bank
Product: Debt collection

On XX/XX/2023 i received a notification from a credit reporting agency that my credit was affected by XXXX points due to derogatory claim listed to my reportXXXX XXXX sold my information regarding account # XXXX to a third party company by the name of XXXX XXXX XXXX. .I never gave XXXX XXXX any permission to sale my information take my privacy very seriously this has affected my credit and reputation XXXX i am quite petrified to say the least they are putting my life in jeopardy i do not know these people they sold my information to. i feel my safety is in jeopardy i demand them to delete all information they have on me immediately and cease all forms of communication including through all CRAs
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a real person and I would like to dispute incorrect information on my credit report. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account XXXX XXXX, XXXXXXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN IS AND HAS REFUSED FOR NEARLY A YEAR TO DELETE ACCOUNT, ( XXXX XXXX  ) WHICH WAS ASSOCIATED TO AN ERRONEOUS, BUT NOW ( DELETED ) XXXX  XXXX BANKRUPTCY BELONGING TO MY FATHER WHO HAS THE EXACT SAME FIRST, MIDDLE AND LAST NAME AS ME. THIS ACCOUNT HAS AND CONTINUES TO AFFECT MY CREDIT WORTHINESS. I HAVE A XXXX FICO SCORE, BUT AM BEING DENIED LINES OF CREDIT DUE TO THIS ERROR! I WANT THIS ACCOUNT DELETED NOW!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, TransUnion consistently responds within XXXX hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FRCA ), XXXX XXXX. XXXX XXXX, which mandates reasonable investigation into disputes. Furthermore transunions actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX XXXX, XXXX ( a ) ( XXXX ) ( A ) - ( B ) as highlighted in the CFPBs recent administrative proceeding ( File no. XXXX ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation
Product: Debt or credit management

Hi I'm almost XXXX XXXX and on XX/XX/XXXX I was issued a refund for the amount of {$4.00}, XXXX for my student loan from school of which was a federal loan upon receiving the money and my Chime account I had called XXXX because the money was not being shown in my balance and once I got finished talking to a person who stated they work for a customer service rep stole all my funds and sent it to XXXX people that I have no recognition of who he sent these transactions to they are not affiliated with me in any kind of way he had added them on my some kind of way to my child account and then he sent these people money for my chime account. I called Chime once again hoping that I had got in contact with the right person and told Chime what happened with my account that upon speaking to a representative my money was stolen for me and XXXX said they are disputing the situation but I will have to wait until XX/XX/XXXX for them to make up a decision.
Product: Debt collection

Today,XX/XX/2021. and another day from another number I received a text message stating they were from State Collection Service with no information whatsoever about any debt. I have never received a paper notice from them. Furthermore, they sent a link which they say is " secure '' but scammers also say this. I got a previous text message from the same company but with a different number on XX/XX/2021 with the same information.
Product: Mortgage

This is simple. Until XXXX of 2018 I have been paying an Extra XXXX per month on my mortgage toward principal. when I went to make my payment on line in XXXX of 2018 and XX/XX/XXXX the mortgage company has taken away the ability to make principal payments. So I did not make the payment. As they do not allow for you to make a principal only payment online. This is Wells Fargo. Also they stuck me with {$100.00} of late fees for one month of being late ( I made a the XXXX payment today ) thinking the principal payment section missing was a mistake. I believe that Wells Fargo is purposely trying to make it more difficult for its clients to pay of their mortgage in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX   -   XXXX   XXXX   XXXX   XXXX   's (  XXXX  ) automatic payment service ( $   XXXX   /mo )  failed to cover a {$0.00} balance on my    HELOC ac count.        XX/XX/XXXX    - I noticed a  30-59 da y delinquent report on my report for my   XXXX  HELOC  reported by  XXXX . This was not reflected on my   XXXX   report.        XX/XX/XXXX    - I contacted  XXXX  requesting that they update and correct my  credit score  over this error in their auto-pay system. They agreed and said it would be a few days to update on my credit reports. The update was reflected on the  XXXX  report but not the   XXXX   report.        XX/XX/XXXX    - I disputed the delinquency on  XXXX  web site, which had lowered my credit scores  XXXX  and  XXXX , mentioning that   XXXX   was correctly reporting a 100 % payment record.        XX/XX/XXXX    - While I did not receive  XXXX  's promised " Dispute Resolution Email '', I noticed that the   XXXX    reporting  history reflected th e 30-59 day delinquency   within  two d ays of the dispute. Never did I receive an investigation resolution email.       XX/XX/XXXX   I again asked  XXXX  to correct and update my credit record. Within  two  days,  XXXX  corrected the record to reflect a 100 % on time payment record, while  XXXX  did not.        XX/XX/XXXX    I again disputed the record via  XXXX  's web site claiming that I never received a  Dispute Resolution Email  the first time reported and that this is still incorrect.        XX/XX/XXXX    No response received from  XXXX , but again, my   XXXX    score dropped  XXXX  points to  XXXX  from  XXXX  the only change being a  30-59 d ay delinquent charge, coincidental with the dispute of  XXXX  's report.       XXXX   XXXX   XXXX   to date, no response from  XXXX  regarding my any of my efforts to dispute and correct this report.     The   XXXX   score and the  XXXX  score which they provide affects my access to loans for which I qualify and could affect my auto insurance rates, among others, of whi ch I may no t be aware.
Product: Credit card

While XXXX  in 2021, I was the victim of identity theft and fraud on my Chase credit cards. I reported these to Chase, but they took no action, which is in violation of their own terms and conditions. I should not have been held liable for these fraudulent charges. They have since retaliated against me by preventing from opening accounts with Chase. They have provided incorrect information related to this on my credit reports, which is violation of the FCRA. There overall actions have resulted in tens of thousands of dollars of extra costs due to increased expenses with lower credit score caused by Chase.
Product: Credit reporting or other personal consumer reports

3 inquries- Not attached to any open accounts and did not apply. XXXX said they would reach out weeks ago to credit bureau... to take care of this matter please delete : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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: Payday loan

Speedy Cash online payday loan. They misrepresented loan interest. I couldnt understand the terms.