23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX- My number was called more than twice by robodialer. When I answered the call the call was dropped.
XX/XX/XXXX- I returned the call and asked that my number be taken off the auto dialer system. Agent stated she would address it. Agent offered me full repayment option of $XXXX. I stated that I didn't have that amount of money. Agent offered a loan consolidation. I stated that I was uncomfortable engaging in any contracts over the phone.
XX/XX/XXXX- Received a blind carbon copy email at my workplace email address from XXXX XXXX
XX/XX/XXXX- Received phone call at my unlisted workplace phone line from XXXX XXXX. I stated I had not given authorization to be contacted at work and asked not to contacted at work
XX/XX/XXXX Received unsolicited phone call from XXXX a month after my bankruptcy was finalized to rehabilitate my student loan. Despite receiving little information on the status of my loans which were being paid in the bankruptcy or discussion of alternatives, I was pressured into an agreement to pay $XXXX a month.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$280.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX Balance Owed : {$810.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$880.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXXXXXX Balance Owed : {$140.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED WITH TRANSUNION OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/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. I DO NOT RECOGNIZE THESE INQUIRES TRANSUNION STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES
Product: Checking or savings account

On XX/XX/2023 I opened a claim for transactions totaling in {$17000.00}. Within XXXX hours or less I was contacted by Wells Fargo bank and was told the claim had been closed and dismissed for undisclosed reasons. 
I was insisting reopening the claim or finding another solution but XXXX XXXX XXXX ID : XXXX informed me there was nothing else I could do.
Product: Credit card or prepaid card

I was supposed to receive a replacement card for my American Express Platinum. I was given an entirely different card with a different account that I did not ask for or agree to. 

My Amex Platinum had an annual charge for {$690.00}, which appeared on my statement and I was having a difficult time financially. I reached out to them to explain what was going on and asked if it was possible for me to perhaps pay the fee the following month. ( Although I dont know why, I knew they wouldnt help me. ) But, I was told I qualified for their green card which would lower my rate to $ XXXX. instead of the ( absurd ) $ XXXX. A {$690.00} fee, especially considering the fact that my credit limit was never more than {$4200.00} is ridiculous. I looked at my statement a couple of weeks later and the fee still had not changed. I specifically asked if lowering the fee to {$150.00} would affect my credit, credit limit or my account in any way and I was told no. 

I honestly dont know what they did. I just know that none of it was what I requested, none of it was made clear in any way shape or form and I feel like I was, I guess, tricked. 

Because business was slow, I opened another credit card specifically to transfer {$2500.00} to this Amex card to get the balance down. About 3 days after initiating the transfer I logged onto my account and saw that I was now over my spending limit and past due because the actual product, my Amex Platinum, was changed to a completely different card ; the credit limit was lowered so much that it put me over my spending limit and the {$2500.00} payment wouldnt have even brought it under the limit. 

I sent this complaint once already and was offered a {$20.00} credit. Is that a joke? 

What they did is so unethical and immoral. I have a hard time believing its even legal.
Product: Debt collection

This company calls from many different phone numbers trying to get me to pay for bogus things. Today, Sunday, XXXX XXXX  weekend, they called.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I discovered that there are addresses on file that is not affiliated with me. On XX/XX/2023, I sent a letter to the three credit bureaus regarding addresses showing on my credit report that aren't mine. Unfortunately, I have not received any response from the credit bureaus so far. According to the 15 U.S. Code $ 1681c-2, a consumer reporting agency is required to block the reporting of any information in a consumer 's file that the consumer identifies as resulting from alleged identity theft within four business days of receiving such information. It has now been 30 days, and the credit bureaus are in clear violation of this law, as I am a victim of identity theft. 

I urgently request the immediate deletion of these fraudulent accounts from my consumer report. These accounts should not be furnished on my report, as they are in direct violation of my rights as a federally protected consumer. Under 15 U.S. Code 1681b, the permissible purposes of consumer reports do not apply in this situation, as I never provided any written consent to any consumer reporting agency to report such information on my consumer report. This lack of consent constitutes identity theft, and it is my right as a consumer to have these accounts removed immediately. 

I expect prompt action on this matter to rectify the violation of my rights as per the law. Your cooperation in resolving this issue promptly will be greatly appreciated. Thank you
Product: Credit reporting

XXXX issued to me an IRS XXXX form for cancellation of debt, yet they continue to report to the credit bureaus that I owe a balance. I have filed a dispute with the credit bureaus, but XXXX continues to report incorrectly.
Product: Payday loan, title loan, personal loan, or advance loan

I have a {$810.00} loan showing on my credit report from XXXX XXXX the loan amount was for {$500.00} paid from XXXX XXXX years ago. In XXXX of 2023 I paid {$680.00} to XXXX XXXX XXXX in regards XXXX XXXX I have the receipt and XXXX XXXX  says that XXXX XXXX was paid..
Product: Debt collection

ON XX/XX/XXXX I WROTE TO MIDLAND FUNDING IN REGARDS TO A COLLECTION THAT THEY PLACED ON MY CREDIT FILE ON XX/XX/XXXX. THEY LISTED THE ACCOUNT WITH AN OPEN DATE OF XX/XX/XXXX. ( SEE ATTACHED LETTER TO MIDLAND ) IN RETURN THEY WROTE BACK TO ME ON XX/XX/XXXX WITH A ONE PARAGRAPH LETTER STATING THAT WHAT THEIR NOTES INDICATE, THE PREVIOUS CREDITOR 'S NOTES AND THEY THEY REPORTED TO THE CREDIT BUREAUS IS ACCURATE. 

I SENT THE A 2ND LETTER DATED XX/XX/XXXX ASKING THEM FOR THE INFORMATION THAT THEY HAVE IN THEIR RECORDS TO VALIDATE THIS DEBT AND ONCE AGAIN THEY ONLY PROVIDED ME WITH THE EXACT LETTER FROM XX/XX/XXXX BUT WITH A NEW DATE OF XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested the method of the Bankruptcy verification with XXXX  on XX/XX/year>, for an item disputed under the fair credit reporting Act 611 15 USC 1681 i, the source ( s ) of information used to verify disputed information, documentation, and evidence supporting the verification process supporting the verification, and detail explanation of your verification process, on XX/XX/year> XXXX responded and it had been verified, no other explanation. I gave them supporting documentation that the US BANKRUPTCY COURT XXXX DOES NOT VERIFY, OR HAVE A RELATIONSHIP WITH ANYONE TO VERIFY ACCURACY.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Multiple attempts were made to receive information about the debt, including what it was for, associated fees, dates etc. such requests were all made within 30 days of receiving notice. 10 business days later I was contacted by an agent trying to collect the debt, with no responses made to previous requests for information.
Product: Debt collection

i dont know who this is nor was i ever gotten any information about this debt pls be advise i am not debt owner under the Fcra without proper validation would be a violation of the fair credit reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid a credit acceptance included and call them the day they supposed to close it and now it's affecting my credit and they need to move me another car
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered multiple accounts that were fraudulently opened in my name without my authorization. These accounts are not mine and should not be reported under my credit file. 
I have already filed an identity theft report with the Federal Trade Commission ( FTC ), which further supports my claim. Under the Fair
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report.PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX CO XXXX ) XXXX
Product: Checking or savings account

On XX/XX/XXXX I was charged a monthly maintainance fee of {$5.00}, but I kepted the minimum required balance of {$300.00}. At the time I was charged, my balance was {$300.00}.
Product: Credit reporting or other personal consumer reports

I RECEIVED A ALERT FROM MY CREDIT MONITORING SYSTEM THAT SOMEONE HAD APPLIED FOR LINES OF CREDIT. I DID NOT APPLY FOR ANYTHING NOR DO I HAVE ANY AFFILIATION WITH THE CREDITORS. I CONTACTED THE CREDIT REPORTING AGENCIES IN XX/XX/year>, NOTIFYING THEM OF THE FRAUDULENT INQURIES. I SPOKE WITH REPRESENATITIVES IN THE XXXX DEPARTMENT THAT ASSURED ME THIS WOULD BE RESOLVED. I OBTAINED A NEW COPY OF MY CREDIT REPORT AND NOTICED INQUIRIES THAT I HAVE NOT AUTHORIZED. THESE INQUIRIES HAVE IMPACTED MY CREDIT. 

I HAVE NOT GIVEN MY PERMISSION OF ANY OF THIS INFORMATION TO BE REPORTED TO CONSUMER PROFILE WHICH IS IN VIOLATION OF 15 USC 1681. 

FURNISHING INFORMATION TO MY CREDIT REPORT IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I HAVE NOT APPLIED FOR ANY LINES OF CREDIT WITH MENTIONED CREDITORS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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. 
XXXX 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
Product: Checking or savings account

An account was opened in my name without my authorization by Bank Of America twice. I believe this is being done by Bank of America and I would like to file a complaint.
Product: Credit reporting, credit repair services, 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 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  {$3100.00}XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$560.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$250.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$920.00}, 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 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

I wasn't a customer of MONIFI ( and/or Midfirst bank XXXX before. In late XX/XX/2021, I found their advertisement ( see Attachment {$250.00} promo for new relationship ) on the Internet, then I opened the checking ( so-called 'spend ' ) and saving accounts online to be a new customer. I met their XXXX direct deposits requirement from my employer on XX/XX/2021 ( amount {$1000.00} ) and XX/XX/2021 ( amount {$1400.00} ). However, this bank didn't deposit the {$250.00} into my account as their advertisement said in 45 days after meeting the direct deposit requirement. I am afraid it is a bait and switch to bolster their account openings and to deny the right for me to successfully obtain the {$250.00} promo.
Product: Checking or savings account

On XX/XX/XXXX around XXXX I went to a chime atm to withdraw {$500.00} from my chime debit card. While waiting for the money to dispense I was opening my wallet and didnt grab the cash in time and the ATM closed up with my {$500.00} and told me to call my bank and printed a receipt. I immediately called my bank and they told me I had to wait for the transaction to settle before I could file a dispute. The agent I spoke with said she will leave a note with my account stating what happened. On XX/XX/XXXX I called to file the dispute after the transaction settled. I provided all information including the receipt from the ATM. No credit was provided to me while waiting for the dispute and I got an email around XXXX XX/XX/XXXX saying the investigation was concluded and they found no error, despite me never getting my money. The investigation wasnt even a full XXXX hours and during a bank holiday!
Product: Credit card or prepaid card

I have an account with New York & Company/ Comenity Bank . I was on a payment plan from XXXX. I wasn't properly notified by via mail or email that my normal payments would resume. When I spoke with the customer service representative she informed me that I wasn't eligible for another payment plan to keep my account active and current. I keep getting calls from private numbers from them, rude customer service representatives when I speak with them. I called on XX/XX/XXXX and was questioning charges on my account that I didn't make. XXXX representative did in fact confirm that my last physical charge I made was on XX/XX/XXXX. When the current billing statement for bill due date on XX/XX/XXXX says : Purchases prior to : XX/XX/XXXX {$390.00} XXXX 25 % XXXX XXXX {$8.00}. Purchases prior to : XX/XX/XXXX {$46.00} XXXX 25 % XXXX XXXX {$1.00}. Purchases 25.9900 % {$79.00} with no date. I was referred back to customer support who I initially contacted stated that they do not have the ability to look that far back on my account to explain what said purchases for that amount was actually made for me to pay a total of {$550.00} with a credit limit of {$450.00}. Once I was making timely payments during the pandemic, I didn't see a significant change in my balance dropping. I did let the customer service rep know that I will not be making any payments on this account due to incorrect reporting of charges when it was confirmed that the last use for a purchase on this card was on XX/XX/XXXX for {$15.00}. So, where did these hundreds of dollars come from. When I get an explanation of those said charges I will be more than happy to make a payment. I will not continue to allow this corporation to put fraudulent charges on my account when I didn't make them. I haven't used this card in 2 years!
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 

Details of Disputed Inquiries : XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section XXXX, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section XXXX, any inquiry that can not be verified must be removed. 
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Additional Legal Support : Cases such as Hartz v. Pacific Creditors Association ( 2010 ) and Dennis v. BEH-1, LLC ( 2002 ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX XXXX
Product: Debt collection

I have repeatedly told this company to stop calling my personal phone and my work phone, yet they continue. I have requested verification of the debt they claim I owe, in writing, to be mailed to my home address.
Product: Credit card

My wife passed away in XXXX  and she had handled all of our finances and taxes. In trying to sort through the accounts, I came across an email to her from Discover credit cards that showed an account. I assumed that it was something that my wife had opened that I had nothing to do with. I was pretty confident about it since I had never had a card with them nor had I known about an account with them. About that same time my brother in law was with me changing a cell phone account under my name that he was also on without my knowledge and he gave me a Discover card with my name on it. I was unaware that my wife had given him the card.

I have contacted Discover and let them know that I did not have an account, and any account with my name on it was opened without my knowledge. I have spoken with Discover on several occasions and they indicated that if it was not my card I would not be held responsible. Discover said they would investigate.

Eventually I was sent a one page letter saying that they had investigated and that I was responsible for the account. They did not provide any evidence that I started the account, that I ever knew about or used the account. They have also reported late payments to the credit bureaus affecting my credit score.

I did find in our checking accounts that my wife had been making payments to Discover.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I sent a Method of Verification to XXXX, Experian, and XXXX  disputing debts showing on my credit report. It has taken more than 30 days with no response, and they are still reporting the debts as valid on my credit report, but no method of verification has been provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes with Transunion on XX/XX/19 and XX/XX/19. On XX/XX/19, I received a copy of my credit report and confirmation that they received my letters in XXXX. As of today, I haven't had any mail from Transunion in regards to any of the disputes. It has been over 30 days. I have a copy of all letters that were sent to Transunion.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX : {$31000.00}
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. 
XXXX. [ XXXX XXXX  XX/XX/year> ) This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 2. XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX  XXXX. XXXX XXXX. XXXX XXXX  This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b