23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I continue receiving calls about a XXXX debt that is not mines there was a error with XXXX some one name XXXX XXXX which I dont know who this person is has the debt and know Im receiving rude calls which I have explained to all party this is not my debt and dont know how XXXX made this mistake at this post Im ready to sue all parties involved if this matter is not investigated and fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX # 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 an account without my written instructions
Product: Mortgage

When I divorced, my ex-husband was given ownership of our house and the debt associated with it. He, however, never removed my name from the mortgage and when he died and it went to collection, my credit rating was damaged. I have contacted the company with the divorce order but they said it does n't matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information with transunion that'll delete all listed items. this has been an ongoing issue that needs to be resolved. alot of errors an invalid data is across all 3 credit file. please review an remove the information listed in the files asap.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquires that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

IC Systems incorporated a 3rd party collection company, filed a delinquency on my XXXX credit file, this company contacted me via phone a few years back in XXXX over a XXXX XXXX bill, i both verbally and in writing notifed them i do not recognize them and send it back to XXXX, I did not owe a dime. I cancelled my monthly contract in XXXX of XXXX, the last payment was paid via electronically in XXXX, the cable company, in XXXX still continued to bill me for a service disconnected in XXXX, I had equipment due to no location to drop off or send, they did not puck up from home, I finally dropped the gear off in XXXX at a wireless location, and was given a receiit of return and balance would be removed, a few month 's later i got a new bill from XXXX, I called they said it would be removed when acct updated, in XXXX i received calls from a collection co not above, this company is a followup, they have never sent me anything supporting info of alleged debt from XXXX, I called and reported XXXX  to state atty generals office in XXXX, this alleged debt us not valid and fraudulent in charges, IC Systems has violated my rights under Fair and accurate reporting act and are to be both fined and sued by my attorneys, today XX/XX/XXXX I spoke with XXXX, they as expected referred it to fraud team, a department that over 3 yeara has yet to contact me or update account to a {$0.00} balance, this reporting has caused a drop from my prior score of XXXX down to XXXX, due to 1 negative account reported, fraudulently as a recent debt in XX/XX/XXXX, blantant fraud the acct was closed in XX/XX/XXXX by myself directly with XXXX
Product: Checking or savings account

I opened up a checking account with Capital One Bank on XX/XX/2022, which they branded as Capital One 360. With the account I had with them, I kept getting hit with error messages on a frequent basis whenever I try to utilize some of my accounts features and I still get restricted on how I can utilize that account even after I sent them photos of my ID plenty of times, so that prompted me to transfer my funds from that account to other accounts I had at other banks and/or payment processors. On XX/XX/2022, I called them about their decision to close my account because of a security risk and one customer service agent told me there were 15 devices used to log into my account and she wouldnt describe to me as to what they were ; however I only used my laptop and mobile device ( app and website sometimes ) to log into my account and I also admit to linking 2 VOIP numbers to that account of mine so I could log into my account when they restricted my main mobile number for that same purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX : Account # XXXX, XXXX XXXX XXXX Account # XXXX, DEPT OF ED/XXXX : Account # XXXX, # XXXX, # XXXX, # XXXX, XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX : Account # XXXX, XXXX, XXXX XXXX : Account # XXXX, XXXX : Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Bankruptcy : 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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : States 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: Debt collection

ON XX/XX/2019 I was contacted from Capital Accounts saying I owed money to a dentist that I have paid in full, I have all paper work from dentist, but now they are saying that insurance didn't cover something, anyway Capital Accounts told me I had to pay and if I didn't pay they were charging interest and that would also be reported to my credit report monthly until I paid. I have never received anything in the mail about this account and I have spoken to the dentist about their improper disclosure of how he said were in network and they spoken directly to insurance company and had the procedure approved how much I had to bring the day of procedure and 1 yr later their saying I owe more. 

Capital Accounts LLS XXXX XXXX XXXX XXXX, TN XXXX
Product: Checking or savings account

On XX/XX/2018 I recieved a direct deposit of {$5.00} that brought my account to {$10.00}. On that same day I made a purchase of {$6.00} aXXXX XXXX. The bank charged me a overdraft fee because they say I didn't have enough funds, but I did. When I asked why they charged that overdraft fee they didn't have a reason for it. It took them two days for them to get back to me with a reason why.
Product: Credit reporting or other personal consumer reports

I sent disputes to Transunion Consumer Solution last year multiple times. I have been disputing this for a very long time now, but the credit reporting agencies fail to provide me with the description or method on how they verified this account. They are reporting items on my credit report that are not 100 % accurate. The information that they are reporting is defaming my character and these allegations have effected my life. I can not get approved for a home loan, credit cards nor a car loan due to the false information. 

This is the account that is not reporting accurate XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In the last few months I'm getting application letters denied by requesting credit cards that I haven't applied for and that affects my credit. XXXX XXXX, Bank of America, XXXX XXXX and XXXX/ XXXX XXXX
Product: Consumer Loan

Ally Financial is reporting XXXX 30 day late payments in the same month, XXXX 2015. I currently do not owe any payments until XXXX 2015 and have cleared bank debits of XXXX payments in XXXX due to poor communication on behalf of Ally and poor record keeping and reporting.
Product: Credit reporting or other personal consumer reports

These Consumer Reporting Agencies have continued to defame my character, as well as with their continued identity theft since I have never given written authorization to share any of my personal information, including BANKRUPTCY to any third party entities. This reporting has caused grave harm not only to my character, by causing humiliation, stress, health issues, problems in my marriage, and paying higher interest rates for insurance, etc. According to the Southern District of Mississippi Bankruptcy Court- they do not report bankruptcies to any consumer reporting agencies and the information is only available in XXXX. So these unscrupulous consumer reporting agencies go digging for consumer 's private information just to sell for a profit off of our misfortunes and hardships, just to keep us a slave to subprime higher interest lending tactics. When I call to have something resolved they act like they can not verify me, and YET they see the information on their end, and they continue to send documents to my home address. THIS IS UNACCEPTABLE. I have pointed out discrepancies across all 3 CRA 's ( INFORMATION IS ATTACHED ) and YET nothing has been done! XXXX is not reporting a Bankruptcy, TransUnion and XXXX reporting dates, closing dates, reference number, and name of the court does not match across the board ( I HAVE ATTACHED PROOF ) I DO NOT consent to updating ( you've already stated it was verified and STILL ALL 3 REPORTING INACCUATELY ) I REQUEST BLOCK/DELETION. No record of this bankruptcy is to be added back ever again. I request that it be removed within the next 5 business days, and send me an updated consumer report after deleting said bankruptcy. I will SUE IF YOU DO NOT ABIDE BY THE FCRA!
Product: Credit reporting

I filed a complaint against Equifax via CFPB, in progress, and the immediately lowered my credit score by XXXX points. They have no basis for doing so, it is very damaging to retaliate against me by dropping my score that drastically because I filed a complaint against them. Proof attached from XXXX.
Product: Debt collection

XX/XX/2022 Called A1 collection agency at XXXXXXXX XXXX and stated that my credit card had notified me of a severe derogatory remark, a delinquency on my account for over 150 days. 
A1 representative told me that he saw I had paid, that my account was not delinquent, and that my balance was 140. He said the company would do nothing about this delinquency notice until I paid my balance in full. I stated this was a lie and that I had paid on this account, and he replied that again he could not do anything until I paid it off. 

Called credit agencies and disputed, balance is incorrect, and so is " delinquency ''
Product: Debt collection

Its against the law to call me over 10 times in a week, which this company has done and even threatened me, about a debit I do not owe them they have left voice messages on my family members phone numbers, has been very rude. I have never signed any form of agreement with company. I would like to see and itemized bill with my signature, of any debit that I owe. I will be seeking legal action with compensation of XXXX dollars or more. According to law 15 usc 1681 b ( 2 ) and 15 usc 1692g. Also according to cfpb laws and rules that I have read and sent to lawyer. As well as rules and laws in place by fcra 605b. Please remove and stop harassing me. Or I will be seeking compensation. Thank you.
Product: Checking or savings account

On or about XX/XX/2023, I discovered numerous unauthorized transactions totalling approximately {$3800.00} charged to my Branchapp card ; which is apparently administered by XXXX XXXX. I immediately called Branch Customer Support to start the dispute process. As of XX/XX/2023, I have not received provisional credit of the the disputed amount, nor have I received any correspondence from Branch, regarding receipt, processing or status of the dispute. Multiple calls to branch customer service have resulted in any up dates. Multiple customer service representatives have stated that once a dispute is received, there is nothing than they can do. Each and every representative has stated that there is no way to contact the dispute team directly. Today, XX/XX/2023, I was finally able to contact a different department who informed me that the dispute wasn't initiated until XX/XX/2023, and they have 10 days to respond from that date. This is clearly redating of when the dispute was initiated, and a flagrant disregard of Regulation E.
Product: Debt collection

After retaining counsel in XXXX of XXXX due to contact by Javitch & Co. a collection agency in XXXX OH for judgement on a credit card debt I could no longer pay on due to having lost my job in XXXX of XXXX ... said collection agency sent me on consecutive months from XXXX till XXXX, requests fro payments ... Attorney XXXX XXXX XXXX OH contacted said collection firm and asked to set up a payment schedule - debited directly from my bank account. Attorney XXXX NEVER had a call returned from XXXX XXXX the contact person on record for this action with Javitch & Co. in XXXX OH. I am on Social Security, as my only source of income. 
Being a seasonal employee at XXXX XXXX in XXXX - I was contacted by XXXX XXXX that my wages would be garnished at 25 % of net pay, when I worked for XXXX XXXX - working for XXXX XXXX from XXXX XXXX to XXXX XXXX, XXXX - I had {$2800.00} garnished from my paychecks - a MAJOR setback for my finances as my Social Security barely covers my monthly overhead. 
Efforts by Attorney XXXX to reach XXXX XXXX at Javitch & Co. to arrive at an equitable monthly payment - directly debited from my account. Went unanswered by phone and writing. 
A complete written history since judgement was rendered by the court toward my effort to establish payment schedule, through counsel is 100 % factual. This Collection agency - Javitch & Co. has totally ignored all requests by counsel & has circumvented equitable protocol to establish a payment schedule for re-payment of this debt.
Product: Debt collection

Once upon a time I had a XXXX phone. My contract was up XXXX month prior to the phone ceasing to work. I paid my last bill ( for a phone that was n't working ) and XXXX continues to harass me, and claim I owe them money for a {$50.00} phone I have n't owned since 2009. I want this off my credit report and I want XXXX to know that I am not paying them another dime.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Persistent Errors, Unresolved Disputes, and Unjust Credit Score Impact To Whom It May Concern, I am writing to formally escalate a series of ongoing issues I have encountered with TransUnion since XXXX. Despite my repeated efforts to resolve these matters, I have faced significant barriers to communication, unresolved disputes, and unjust damage to my credit profile. 

Failure to Provide Legally Mandated Credit Report ( XXXX ) : In XXXX, I requested a free credit report under the Fair Credit Reporting Act ( FCRA ) after being denied credit based on information in TransUnions file. To date, I have not received this report, which I am legally entitled to under Section XXXX of the FCRA. 

Account Lockout and Coercive Tactics ( XX/XX/XXXX ) : On XX/XX/XXXX, I was abruptly locked out of my online account and denied access to correct inaccuracies in my credit report unless I enrolled in a paid membership plan. This practice appears manipulative and violates my right to dispute information without financial pressure. 

Unresolved Disputes and Unjust Score Impact : I have repeatedly disputed two collections accounts that do not belong to me. TransUnion has neither provided a substantive response nor validated these debts with written proof, as required by law. Instead, my FICO score was reduced by XXXX points without justification. Notably, XXXX and XXXX both investigated identical disputes and corrected the errors promptly, confirming these accounts are not mine. 

Poor Communication and Refusal to Reinvestigate : TransUnions customer service has been unresponsive and dismissive. Representatives claim the accounts are verified but refuse to furnish documentation or allow further disputes, leaving me without recourse to address clear inaccuracies.
Product: Debt collection

They are reporting the date of last activity incorrectly and trying to make this look like a recent debt. This collection is over 2 or 3 years old.
Product: Debt collection

On several occasions, Wakefield and Associates has called multiple times, even on the weekend and tried to collect on two different debts that are 9-10 years old ... well beyond the state of Tennessee statute of limitations. They are most likely trying to get the debt brought back from the dead so they can collect. I have tried to stall them off by telling them that I need to verify that this is even my debt because nothing else has worked to get them to stop calling me repeatedly all week long.
Product: Debt collection

On XX/XX/2019 XXXX called my husband and my place of employment. Stated to both that she needed to get in touch with me regarding time sensitive documents regarding my property and to verify my employment. When my employer refused to provide information she became combative and HR told her to fax her request for information. My husband told her he knew she was scamming him because our mortgage is paid and she spoofed the number she was calling from. She called from XXXX-XXXX-XXXX and left a number XXXX-XXXX-XXXX  to call back and that is summit receivables. nothing to do with my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

In a accordance with the fair credit reporting act XXXX  account # XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am reaching out because there is a ticket on my XXXX XXXX report that needs to be disputed and removed. I was just informed by my insurance company today, XX/XX/XXXX, that there was a ticket, private ticket on private property reported to my report with XXXX XXXX, for XX/XX/XXXX. I was never informed there was a ticket by XXXX XXXX, I was never ticketed on public or private property, and this is inaccurate information. 

Regarding USAA. I am highly upset with them because they never informed me that they were raising my rates and they did this last month. I initially thought this was a late fee, but I called and they told me they raised my rates about a ticket that should have never been reported and is inaccurate in the first place. I was never informed by USAA that they were raising my rates or anything. I am very dissatisfied by this. I feel like my rights as a consumer were violated.
Product: Credit card or prepaid card

I went into a Chase branch where a banker informed me that I had preapproved credit card offers. XXXX of the preapproved offers was the Chase XXXX XXXX card, which I had been previously denied for, so I eager to accept the offer under the condition that my application was preapproved. After I applied however, Chase denied my application for the reason of previous unsatisfactory relationship with the bank. This makes the preapproved offer extremely misleading and deceptive. As if it wasn't enough for Chase to deny my application after enticing me with deceptive " preapproved '' advertising, Chase decided to punish me further by closing the credit card account that I had with them. This sort of aggressive and predatory business practice to use deceptive " advertising '' to sell credit products should not be allowed. Chase is claiming that they have not done anything wrong, and they maintain that they have not deceived me. However, the outcome of this situation seems to indicate otherwise. Chase should never have advertised to me any " preapproved '' offers while knowing that they would deny me for the reason of having an unsatisfactory relationship with them. This makes their offer deceptive and misleading, and as a result of their deception, my application has resulted in negative financial impact due to the fact that Chase also decided to close my current account as a result of accepting their " preapproved '' credit card offer.
Product: Debt collection

XX/XX/XXXX I submitted a letter to XXXX XXXX to cancel my alarm service. Shortly thereafter my account with XXXX was turned over to Credit management , LP for collection. 
XX/XX/XXXX I submitted a letter to Credit Management , LP disputing the collections due to the fact that XXXX did not disclose that the contract was automatically extended when I moved the service from one residence to another residence. 
I received a statement XXXX dated XX/XX/XXXX which reflected my account was at a zero balance. 
I recently discovered that Credit Management , LP collections had not been removed from my credit report. 
XX/XX/XXXX I sent another letter with supporting documentation requesting that the collection status be removed from my credit report. 
XX/XX/XXXX I received a call from XXXX a representative XXXX who confirmed that I did not owe {$310.00} that 's in collections. 
XX/XX/XXXX I spoke with XXXX XXXX at Credit Management and explained that I had confirmation in writing that the collections was not owed. XXXX insisted that the amount was still owing. I requested that the collection be removed from my credit report, and she stated that they could not remove it and that I would have to go back to XXXX and request they contact Credit Management to remove the collections. 
So I call XXXX and spoke with XXXX in the Executive Reponse Team explain to him that I had spoken with XXXX at XXXX and then with XXXX at Credit management. XXXX confirms that I do not owe the {$310.00} that is in collections. He also states that XXXX has not done business with Credit Management in years. XXXX requested that I send him a copy of my credit report so he can confirm the collections is on behalf of XXXX. 
I pulled a credit report from XXXX XXXX and faxed to him with a letter dated XX/XX/XXXX and a copy of the credit report that reflected the collections. 
The credit report page I sent was page 11 out of 13 pages. Credit Management is clearly listed on the report and remarks noted on the credit report states that dispute is resolved, customer disagrees. 

When I last spoke with XXXX in XXXX, he had contacted me via phone and requested that I send him the complete credit report. I refused to do so, because I felt the information that I had sent him previously was sufficient enough. Besides, my credit report I feel is sensitive information. 
At this time, I have been getting the run around from both XXXX and Credit Management, in regards to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting two fraudulent accounts on my report and refuses to block said accounts. 

I have attached an FTC affidavit with the accounts.
Product: Checking or savings account

I opened a Paypal Savings account which is a joint-venture between PayPal and Synchrony Bank XXXX I have not been provided an account number or routing number for the savings account. 

As a result, I am unable to transfer money from PayPal Savings account to a different financial institution. 

Upon calling their contact center, they said they dont have access to my account number and cant provide me a routing number.