23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my XXXX and XXXX credit report and I notice there is an unauthorized credit inquiry made by : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GAXXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX, XXXX XXXX, XXXX, Wells Fargo Dealer Service Auto Creditor : Wells Fargo Dealer Services Attn : Credit Bureau Dispute Resolution Unit CBDRU Mail Coded : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX, XXXX. 

I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. In addition, the creditor that provided documentation for credit inquiry to give authorization to review my credit worthiness. Did not provide an opportunity for me to clearly understand what I agreeing to. The credit inquirer 's authorization form was too complicated and not easily understood in language I would understood. I am requesting you initiate an investigation into : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX inquiry to determine who requested this credit inquiry.
Product: Debt collection

This company called my mother XXXX XXXX at XXXX, on XX/XX/21 at approx XXXX and threatened that a process server would be serving me with legal paperwork over a debt. My mother was advised of a case number against me - and my mom was told I had a debt and was threatened by a XXXX XXXX that papers would be served to my place of employment that day. 

I called back on XX/XX/21 to the number given - XXXX. I was told that this was the number to call back. This was not XXXX XXXX nor the company he claimed to be calling for, it was XXXX XXXX XXXX for a debt that had been sold twice. 

I was told that they are a mediation company that tries to reason with the person before it goes to litigation. I agreed to the terms but I am now concerned that this is a scam.
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 XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX WASHINGTON XXXX DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX : {$1700.00} XXXX XXXX XXXX Balance : {$24000.00} ( Original Creditor : XXXX XXXX AP ) Balance : {$10000.00} XXXX XXXX  XX/XX/2023.
Product: Credit card

Applied for Citi simplicity cars on XX/XX/year> and received the card a week later. Before any application was pushed through I asked the representative if credit could be reallocated from my accounts to my new account and they said it could. Once the card was activated I was told that was not the case and XXXX out of luck. I wouldnt have opened the card if this was the case.
Product: Money transfer, virtual currency, or money service

My phone was stolen and XXXX dollars was sent from my cash app to someone else that i have sent money to before, they will not do anything to get my money because ive sent XXXX dollar payments to them before. This happened XX/XX/XXXX. Ive given enough time to get my money back and they wont do anything for me.
Product: Credit card or prepaid card

In accordance with Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX : A creditor XXXX not treat a payment on a credit card account number under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a credit freeze on my account as well as my wifes. I have attempted to log into my account for four months and continually receive an error that says they are temporarily unable to complete my request. I have called and used the phone service and it also says it is unable to verify both mine and my wifes dentity. When I was finally able to get someone on the phone, they reset the password on my account and I still get the same error. They claimed that no one else has complained about this error and they cant do anything and he wouldnt look further into my account and told me I would need to fax or mail a request to get the security feeeze removed. I do not have a fax machine nor do I have access to one and I am not willing to put all of my personal information into the mail for it to be stolen or mis delivered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off an auto loan I had with Ford Motor Credit, back in XXXX of 2013. I demonstrated years of consistent on-time payments on this loan. However, it recently came to my attention that Ford Motor Credit is reporting this account as a repossession. Nothing is further from the truth. This account was paid as agreed, and closed in good standing, over 5 years ago.
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 Number : XXXX has violated my rights. Or 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: Money transfer, virtual currency, or money service

On XX/XX/23 I attempted to deposit {$260.00} cash through a US Bank ATM using a non-USBank card. The ATM malfunctioned and produced a reciept stating it was rejected, and the cash was not returned nor the funds added to my checking account. I immediately went inside and was told to call their customer service number. I then proceeded to talk to customer service, the dispute line, and somehow ended up with the employee line for US Bank ATM problems. They told me I would not receive my funds unless I filed a dispute through my bank XXXX XXXXXXXX XXXX ). I then called my bank, who began to file a dispute. They were unable to, as the transaction did not even appear on my bank statement as a declined transaction. My bank physically can not file a dispute on a charge that is not on my statement. Even so, I filed one anyways and went through the whole process only to have it denied due to not being on my statement. I then called XXXXXXXX XXXX customer service, who still agreed to file an escalated dispute on top of the original one. This one was also denied. 

The day it happened, I went into the bank and spoke to the manager who was very helpful. He documented my name, address, and all details of the situation for his records. He then said he would email me copies of the ATM count showing it was {$260.00} over, as well as email US Bank corporate on his end, which he did the following Thursday after the incident.

I have the receipt from the transaction, the ATM count as a PDF and a copy of the email from the bank manager, all other communications between me and the bank manager, and proof that the funds were not returned to me through my bank statement. I have been dealing with this for nearly two months. I have
called endless time and emailed multiple times, having records of all email correspondence. I am paycheck to paycheck, and this is a lot of money to be taken and not returned from me. I am not sure what to do now, but I am continuing to try and file ANOTHER dispute. US Bank customer service has been nothing but rude and unsympathetic to my situation, and have provided no help whatsoever, aside from the bank manager at the location.
Product: Debt collection

In 2003 I got a divorce, at the same time my husband filed for bankruptcy. Shortly after I had a judgement on my credit report for a debt XXXX for my X husband 's credit card. I disputed for years finally it was off my credit. Recently the debt collector filed a writ of revival. I tried to hire a lawyer however the cost of lawyer was more than the debt. This is not my debt, I never gave them my social security number. At this point I do n't know what to do.
Product: Checking or savings account

On XXXX-2019 I tranfered money and then I get over draft charged, they are stating the checks came in first I filed a transfer but it still showed negative all day. Checked it in the eve and still was negative? I am being charged XXXX times 3 thats a lot of money for a mistake made on the on line banking. In XX/XX/ 2019 this also happened to us. The branch was able to fix it. 
thank you XXXX XXXX.
Product: Credit reporting

I am a victim of i dentity theft enclosed is my police report and identity theft affidavit. please remove and block and delete fraudulent files from my credit report.
Product: Debt collection

On XX/XX/2018 i disputed with the CFPB about PMAB , llc and they company responded that is was to be deleted from my credit reports. I disputed it with the credit bureaus and on XX/XX/2018 PMAB , LLC updates the credit bureaus as accurate. I was also sent a letter form the company that they deleted it from my reports and now they are still showing in there. I'm only writing this to let CFPB know that this company is shady and has been lying to you this whole time. I am taking legal matters as of Monday morning XX/XX/2018 i will be filing suit against PMAB , LLC and suing for damages and negligence from their company. I have the letter stating they were deleting it and copies of the complaint numbers they responded to on CFPB as well. I will have a judge from the courts have them comply with the letter and their responses here on CFPB
Product: Student loan

I graduated from a XXXX program in XXXX of XXXX. I started a XXXX in XXXX of XXXX, however was not supposed to be listed as being in school and my loans spent the usual amount of time in the grace period, ending in the XX/XX/XXXX. I immediately signed up for a income based repayment plan and autopay to take advantage of the .25 % reduction in interest. I was then notified that my loans were back in deferment because the school had listed me as a student. In XXXX, I began the process of trying to solve the situation, however most employees at Nelnet that I spoke with had no clue of the correct way to proceed. After sending exact information that I was told needed to be sent from my school, I was told that it was not sufficient and that I needed to send a specific form. Unfortunately, my school listed the incorrect year again and delayed the process. It took me a while to get back to address the issue. Every person I spoke with indicated that there should be no problem retroactively applying the 0.25 % interest reduction once resolved to the original sign up date. I was just notified today that they would be retroactively applying the discounted rate to XXXX because that is when they received the correct form. There were multiple failures from Nelnet in processing this problem and should have been solved with the first phone call. They are acknowledging that there may have been human error, but refuse to retroactively date the interest reduction to when it was initially applied. The representative I spoke with today indicated that leadership had reviewed the issue and this was their final answer. I do not accept this as an acceptable conclusion to their failures. They indicated the reason was that I took so long to turn in the 2nd form with the correct year of graduation.
Product: Debt or credit management

on XX/XX/XXXX I spoke with XXXX XXXX from XXXX XXXXXXXX XXXX XXXX and agreed to a credit card reduction of XXXX credit card accounts totaling over {$14000.00}. He informed me that I will be paying {$250.00} per month for this program and not to pay anything to the credit card companies that they will negotiate a settlement. On XX/XX/XXXX I received a welcome program from DMB Financial from XXXX XXXX introducing himself as my Client Service Supervisor again telling me not to pay any creditors and inform them that it was turned over to DMB. I have the {$250.00} taken out of my bank account on a auto debit so it is always paid as directed. On XX/XX/XXXX I had to send XXXX XXXX a signed authorization document sent it off no further communication. I kept getting phone calls and emails from my creditors for past due notices. On XX/XX/XXXX I received a email from XXXX XXXX informing me that she is my new Customer Service Representative that XXXX XXXX is no longer with the company. She notified me on XX/XX/XXXX that they reached a settlement offer with XXXX XXXX of {$520.00} I approved. She has since notified me of a settlement with XXXX credit I approved but it was not a settlement it was a payment program and I got a statement from XXXX on XX/XX/XXXX stating payment due, I left XXXX XXXX a voice mail and an email. I spoke with XXXX and she told me that it was not a current statement that payment has been made. I asked her about the program that it is going on over 7 months and I was informed that it it would be 4 to 5 months to be paid off she told me that who ever told me that was lying that this thats time for me to get money into my bank to pay off the creditors. I have since been sending statements to XXXX XXXX and basically been getting the brush off. I have been putting comments in the DMB Portal so that everyone at DMB may read and her comment i that she has been reaching out to me. All I get when I ask what is going on she tells me that she will check with her payoff dept. or supervisor and get back to me. She never does. Now my credit score is so XXXX XXXX for nonpayment to my creditors that I can not get a loan to pay these people off and get back where I was before I started with them. This is effecting my insurance premiums and my ability to get a job. Business 's look at me as a XXXX XXXX
Product: Debt collection

This collections is rental dispute from XXXX XXXX from XXXX NJ. Several times of complaints to the building of entry without permission. Finding my door open two times, without any calls, they have my cell number/work number. I felt unsafe and violated, and spoke to management to break my lease due to me feeling this way. At the time of me leaving I also found out that maintenance, was evolved in a police investigation of breaking into peoples apartments while the tenant was at work in one of the buildings they have access to next door the XXXX. So Management at the time, said it was ok for me to go, due to me feeling very uncomfortable, they kept my security, and did not give me any other solutions or warned me of the collections that I have now.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2023 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. i feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit report. I request that they provide original purchase agreement to show full ownership of such accounts as well as any supporting documents to determine credibility and accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX states Equifax changed my report and then reverted it back intentionally. They are harassing me and ruining my credit and blaming others.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX  XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Debt collection

I submitted written notice to XXXX XXXX  XXXX XXXX, filed on XX/XX/XXXX of early move out. I was told that I must pay 85 % of rent until new tenant is found. I also paid all fees and final payments to them which they signed. I was notified via phone two months ( XXXX ) later that they found someone and my last 85 % payment would be XXXX. I did not know there was a collections on me until job background check was done on me in XX/XX/XXXX. I called the Apartment management office and they refused to talk to me and told be to talk to the collection agency to get details. I called Blakey-Witt and Assoc Inc, XXXXXXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) listed on the credit report. They told me I owed {$19000.00} and directed me to talk to the apartment management to get details. I tried to tell them I did not owe this amount and I would be happy to send them my lease termination notice and all receipts that I paid but they refused to accept it. 
As of today, it is now showing {$8800.00} in collections. I have filed dispute with XXXX  via XXXX but never received anything back from XXXX. Today ( XX/XX/XXXX ), I went through XXXX site and filed another dispute in hopes of getting it resolved.
Product: Credit card

Chime : I received multiple emails asking me to verify my address due to a debit card being sent there. The address is like XXXX yrs and XXXX residences old. Then they send an email asking you to set up a direct deposit and link your account, as if you have an active, real account under your authority. You then spend the next few days trying to get ahold of a nonexistent XXXX customer service rep, to find out if its a phishing email, or someone actually stole your identity. You have to say dispute a charge to get a real person, who then tells you they can't help you unless you send your drivers license and SS # to them via email.
Product: Mortgage

Re : Wells Fargo On XX/XX/2019 I paid {$80000.00} off the back of my mortgage. The receipt I received said it would post that day which it did not. Today I noticed that they took out next month 's mortgage payment, which I had already paid with an additional {$12.00} off the back and did not apply {$580.00} to the back as they were supposed to. They have admitted their error and said it would not be fixed until Monday XX/XX/2019. I asked that they get this done today with the same click in which they took money from my account without authorization. They are not allowed to take money from this account as I pay it myself. This is the same bank that opened a loan in our names without permission years ago.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

I was 1 of millions affected by The Equifax data breach. My name, date of birthday, social security number, and home address has been leaked out in the most recent data to hackers. I also did not authorize all of these companies to openly share my information without my authorization or consent. This clearly is breaking the law of U.S. code 15 USC 1681 FCRA. I need to have all credit Inquiries and all negative reporting accounts removed immediately. 



https : XXXX
Product: Debt collection

THE ACCOUNTS BELOW ALL HAVE INACCURATE INFO INCLUDING DATES. I MAILED CERTIFIED LETTERS ON XX/XX/year> TO XXXX, XXXX & XXXX ASKING FOR THE ORIGINAL CONTRACT OF THE DEBT TO THE FOLLOWING ACCOUNTS/COMPANIES : MIDLAND CREDIT XXXX {$1000.00} MIDLAND CREDIT XXXX {$1400.00} XXXX XXXX- {$970.00} XXXX XXXX {$470.00} XXXX XXXX - {$2400.00} XXXX XXXX - {$1100.00}
Product: Debt collection

I am requesting validation, made pursuant to the Fair Debt Collections Practices Act and the Fair Credit Reporting Act. I am also requesting " validation '' that is competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to this debt collector.
Product: Credit card or prepaid card

This complaint is with Bank of America. There was an existing balance of {$65.00} that was in dispute. Bank of America closed that dispute without notifying me of this action. This dispute was at least 18 months old. I did not pay that amount because I assumed it was still in dispute. B of A reported my account 60 days past due and charged various service and late fees. I sent an email to the Director of customer relations at Bank of America located at their corporate headquarters. ( Please see attached Word document ) I received a call from an assistant Informing me that there was nothing they would do to resolve my issue and that they would continue to report the account past due. I had no other choice than to pay the {$65.00} so that my FICO score would not continue to plummet. My credit rating was XXXX prior to Bank of America initiating these actions. My FICO score has dropped by more than 100 points. I have never experienced this type of treatment by a credit card Issuing company. I consider their actions fraudulent and unethical. 

Sincerely, XXXX XXXX