23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX XXXX, I received correspondence alleging that I owed XXXX loans to XXXX XXXX XXXX XXXX totaling more than {$38000.00}. This correspondence is the first communication I or my son have had from XXXX XXXX XXXX XXXX since XX/XX/XXXX, when my son graduated from college. Up until, XXXX XXXX, I have live in the same address for 27 years and had the same telephone number for the last 7 years. I also had a very good credit rating and have had a reputation as a responsible citizen who pays my debts. I deny that I or my son owe this money. I am attempting to rectify this fraudulent attempt to extort money from me. XX/XX/XXXX, I wrote to Real Time Solutions , Inc., copies of any loan documents purporting to have my signature, dates of and copies of any correspondence from XXXX XXXX XXXX XXXX me, my son or any third party regarding this alleged loan. The name of the " joint '' account holder referred to in the documents forward to me in XXXX XXXX. I have asked for dates, times, form and parties involved in any oral communication with me. I sent copies of the letter to XXXX and XXXX that I had mail to Real Time Solution, Inc. Each time that I have called the collection company they lied about getting back to me and have failed to send me the documents that I have requested 5 months ago. I need to have this negative information removed from my credit. 
It 's unfortunately someone to have work so hard to maintain good credit and have a company destroy your credit worth.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Product: Debt collection

This originated from Walmart. I tried calling to get verification from Walmart which they have closed the account and XXXX XXXX is the collection agency. I have never received any mail from XXXX I have just seen it show up on my credit report. I am recently divorced and the debt was awarded to my ex husband in the divorce. I do know the debt with Walmart was not {$2800.00} which XXXX states. when I called to give divorce paper work the guy told me they are suing me but yet ive never had any mail or anything about paying them at all. Even when calling Walmart I was told not to worry about it and to disregard. I do know they can not charge more for a debt than the original debt was its illegal.
Product: Checking or savings account

My bank account was locked. The bank is telling me it has to do with the " Patriot Act '' ( a quick XXXX search say this has to do with terrorism ). They required me to send in a picture of my photo id, which doesn't even seem safe since so many people make fake IDs anyways. They say my account will be locked for 3 business days and I will have NO access to my money. I can not buy diapers for my child, milk for my child, gas to get to work. The money that I worked for. They will not give me any other explanation as to why. I was never notified or asked for a copy of my ID prior to them locking my account. To the already struggling American population this puts such a burden on my family as my card was declined at the grocery store trying to buy necessities for my family. No one can/will give me a better answer other than " oh well ''. This seems 100 % unacceptable. A notification should have been sent via e-mail/text ( they say it was mailed but that would take 7-10 days to even reach me! ). I can not believe this is how Veterans are being treated by an organization that prides themselves on supporting Military, Veterans and Family. There has to have been a better way to handle this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint on XX/XX/2019 report # XXXX, Trans Union removed the fraudulent accounts. But, kept all of the inquires from those accounts. I would like them removed : XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX I have never had any accounts with them nor have I applied for credit or services with them. They did a great job of removing the account. But, please remove all history of them. I am trying to purchase a home and these inquires are showing on my credit file. 

In addition I asked that the Fraud alert be removed from my credit file, so I can secure funding for the purchase of my home. These alerts on my credit, generate a automatic decline for some of the lenders that offer the best interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 around XXXX XXXX In regrades of my XXXX  credit report, XXXX  credit, Equifax Credit. This is for all the credit Reports Agencies. All three want me to pay to monitor my credit even though I have fraud protection, freeze being a victim of Identity theft I have started checking my credit report every month sometime twice a month I also check with my creditors, my score was on XXXX on XX/XX/2020 after I spoke about my credit the gentlemen wanted me to pay for an upgrade I had did that before I told him no. And the next day XX/XX/2020 my score was taken down by four points. And they also ask about Boost up your credit with paying your utilizes bills but they only work with certain credit union and mine is not one of them. Another time XXXX all the way back to XXXX score up then every time I call with my credit report they want me to pay money, so I am wondering do I have to pay the credit bureau to have good credit even though I am paying my creditors. then I was ask to pay money to upgrade for my protection over my credit my response was why should I continue paying XXXX  {$20.00} a month more to raise my credit score up {$19.00} per month for Equifax. XXXX  {$29.00} per month. Now the way the economy going paying a total of {$70.00} a month is that fair to you all. I am a widow and I work very hard on my credit. Please stop lower my credit points for know reason.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; 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, credit repair services, or other personal consumer reports

XXXX, Transunion and XXXX  have violated my rights by reporting this incorrect account that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter. AND THEY WONT RESOLVE THIS ISSUE.
Product: Debt collection

I have received reputed calls from, XXXX, XXXX XXXX XXXX XXXX They state their file number for this debt is XXXX. On 5 separate occasions they have called and I have requested to receive verification of the debt and what the debt is for. They have called dozens of times, but I have only answered 5 times. They have twice given me an email address ( provided by XXXX XXXX XXXX on XXXX XXXX 2021 ) I am required to email to request this information. I have twice emailed this email address ( XXXX ) and requested the information and have not received a response back. I received another call on Wed XXXX XXXX at XXXX XXXX and asked to be removed from their call list. The agent said he would remove me from the list and I told them any further correspondence via email or postal mail was fine, however I did not want to receive any further calls until they had provided me proof the debt which they still have not done. Today ( XX/XX/XXXX @ XXXX XXXX ) I received another call from XXXX after I have requested them to stop calling. I answered and explained the situation to the agent who did not give his name and he was very defensive about why I was not removed from the list. I told him at this point I have requested proof of the debt multiple times and they have refused to provide it and have not removed me from the list as requested. I told them I will be filing a complaint with your agency.
Product: Vehicle loan or lease

In XXXX I was holding for hours for Santander to advise them that my payment would be a few days late. I was furloughed from work due to covid. I couldnt get through. i made the payment in XXXX and was hit with a late marker. I sent a letter to the credit bureaus and company. No response
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Transunion, XXXX, XXXX 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 informatyytion, 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 reporting or other personal consumer reports

I sent a dispute to all 3 major reporting agencies on or around XX/XX/2023 demanding they remove this bankruptcy. 15 USC 1681 S 604 Says NOBODY can report on my consumer report without my written consent. And that I may be compensated up to {$1000.00} if they violate my rights. XXXX wrote back saying the acct was verified which is not what I had asked.
Product: Checking or savings account

I used a Chase Visa debit card at an international ATM in XXXX XXXX, XXXX on XX/XX/2022 in an attempt to withdraw about $ XXXX. I tried several times to access funds and my transactions were denied with the exception of one which was approved but no funds were ever dispersed from the ATM during the transaction. During the transaction, the machine allowed me to select which bills I would like to receive and made the sound like it was disbursing the funds from the machine. I was surprised no money came out. 

At the moment, I did not realize the transaction was technically approved. I called Chase to ask why my card was being denied and it was in that moment, the representative told me the transaction was processed. I filed a dispute and the transaction was reversed. Weeks later, Chase reversed the dispute resolution in my favor and pulled the money back from my account. 

Their customer service representative told me I would need to open up an investigation against the bank in XXXX. When I told them my relationship is with Chase, they told me there is nothing they can do because I decided to use the card at an international ATM and in their initial request to the bank, the bank reported the funds were released. As a long-time customer with no complaints like this, I was shocked to see the lack of responsiveness from Chase. With inflation and bank fees taking what little extra money I have, this claim is very important to me and I was very distraught to hear Chase 's lack of process to help a customer in this case. I only used my card in this case because Chase allows me to use international ATM but they take no responsibility for actually resolving a customer 's problem when their normal process does not work. It can't be possible to allow a bank to allow a customer to lose money like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In a accordance with the fair credit reporting act XXXX  account # below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX
Product: Credit card or prepaid card

on X/XX/17 I made a purchase online from XXXX for school clothes for my son which consisted of sweatshirts and athletic pants. I received the original order and was missing items. I contacted XXXX to report the missing items. I was told via ( online chat session ) that I would be refunded for the missing items. The items that I received did not fit my son ; therefore I sent them back via the prepaid return label that they sent me. I have contacted XXXX several times via phone and chat session and am told every time that " they will investigate ''. That is when I asked my credit card company CITI to help. I received a letter from them ( attached ) that they are unable to assist. I contacted XXXX again today with the same response after chatting with them for over 1/2 hour " they would look into it ''. I was charged {$220.00} for this merchandise, did not receive items and then returned the items that I received. I think it is very unfair that I should have to pay for items that I do not have. I am a single mom ; and this is very rough.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act.The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 
XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX account number XXXX XXXX account number XXXX XXXX account number XXXX XXXX XXXX  account number XXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX  account number XXXX XXXX account number XXXX XXXX XXXX  account number XXXX XXXX XXXX account number XXXX Has violated my rights 15 u.s.c 1681 sections 602A states I have the right to privacy 15 usc 1681 section 604A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions 15usc 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 items of information other then records of conversations of crimes which antedates the report by more then seven years 15usc 1681s- ( A ) ( 1 ) A person shall not furnish any information to a consumer to any consumer reporting agency if the information is in fact inaccurate knows or reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the company unable to speak with a live person but I am at the end of fixing my credit got everything off that wasnt mine and paid everything that was mine there was 1 thing left on Equifax submitted a dispute because because the collection Did not belong to me and my score dropped 54  points and I am in the middle of trying to buy a house I am very upset because this sets me back
Product: Prepaid card

I filed a dispute with Bank of America edd prepaid card services XX/XX/2023 for the amount of {$5200.00} for transactions posted on my account claim number XXXX I wasnt provided any provisional credit at any time and has been denied on more than XXXX separate disputes Ive repeatedly asked for documentation stating the reason why it was denied and till today XXXX XXXX I have yet to be able to receive any documentation where it would give me a reason why or how this decision was determined and was dealt with. As of my part I have provided them with a police report statements to my Bank of America account ending in XXXX and social security number ending in XXXX and written statements explaining and asking to match my information with the information of the account that the transactions were sent to and for some reason it has not benefited me in any way. Ive only received a letter from BofA where a resolution XXXX with the name of XXXX XXXX with phone number ( XXXX ) XXXX ext. XXXX is stating that they would be looking into my dispute and attempt to help. I have called and left XXXX messages and yet have I received a response back from any one of BofA I dont see why would they give me a number that has possibility to ever get through or even have the expectation of receiving a return call back. What I also would like to respond that why would my previous case with CFPB was closed by this specialist case number XXXX if I the consumer has not agreed with that decision and has not been credited my dispute I am demanding my return Ive stated XXXX never authorized that transaction and have provided documentation to show that I have no links to this transaction and if so to please show me in documents stating otherwise.
Product: Debt collection

I recently seen my TransUnion credit report and noticed multiple accounts being reported that I owe a debt to. These accounts have been disputed but no avail have they been removed. I am a victim of identity theft and have been notified that my personal information was exposed in the XXXX Data Breach. I've been able to have these accounts removed on my XXXX and XXXX consumer report but TransUnion has yet to remove these items as it has been over 30 days since I've gotten a response from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

fraudulent inquiries appearing on credit report. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have been contacted about a debt Im not owed or know anything about this debt. This debt is identity fraud In my name. I have never used this company or the original party.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 7 accounts that are on my credit report that do not belong to me I have not authorized signed or used these accounts I need them off my credit asap!!!! 

I have been disputing these since XX/XX/XXXX - Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Inquiries Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry