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

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Received a voicemail stating I have been officially notified. 
I called the number XXXX ( XXXX ) XXXX that came up on screen. 
XXXX said I owed a debt to HSBC for a credit card from 2017. I do not. 
Said I was being sued for fraud & now I owed {$5000.00} because I hadnt responded to their letters. No letters Said they were going to take everything & garnish my XXXX & annuity. 
Said she could, possibly, have me call a number & get the sum reduced. 
I hung up on her & proceeded to call HSBC. They have no records for me. Bank person suggested I check my credit report. I did & nothing there. 
But, the scam lady read off my social security #. 
What do I do?
Product: Debt collection

Pollack & Rosen began calling me indicating that they were representing XXXX XXXX XXXX XXXX XXXX in reference to a debt that I have with Portfolio Recovery. They began calling on XXXX XXXX, 2015, in which they called 4 times in that XXXX day, but they did not leave a message. The debt is for a XXXX XXXX XXXX account with XXXX. I informed the representative from Pollack & Rosen that I had made payment arrangements XXXX XXXX and that I have the paperwork that outlines the payment arrangement. The Representative, XXXX, stated that they did not have any record of this payment arrangement. He implied that he did not believewhat I said. I told XXXX that I would contact XXXX to make sure the arrangements were still in place. He began stating that they would file the necessary paperwork to file a lawsuit in my county if I did not make payment arrangements with them. XXXX made a veiled threat that if I wanted to make this " go away '' I would need to take care of this with their firm immediately. I again stated to him that I had made payment arrangements with Portfolio Recovery, their client, and that XXXX was satisfied with the payment arrangement and that I also have the paperwork detailing the payment arrangement. XXXX then put me on hold and came back to the phone stating that he had spoke with their " Lead Counsel '' and that Lead Counsel said that XXXX had retained them as their attorneys and they are going to proceed with filing a lawsuit. I donot understand how a law firm can go ahead and sue you when their client has already made payment arrangements with me. I have spoken several times with XXXX XXXX XXXX about this situation and they reassured me that they are satisfied with the payment arrangements that they had made with me. Also the representative informed me that XXXX XXXX XXXX had made a mistake in sending my file to this debt collection attorney. I have the paperwork from XXXX that states that they would not send my account to a debt collection attorney until after XXXX XXXX but they sent it on XXXX XXXX. I made payment arrangements with XXXX on XXXX XXXX, 2015. XXXX XXXX admitted their mistake, but this debt collection firm was extremely rude and threatening. XXXX, the representative from Pollack and Rosen also made the statement to me that " I seem to be an Intelligent person '', which I found to be extremely condescending. I feel that I should not be harassed for the mistake that XXXX XXXX XXXX made, and to which they admitted to, by this debt collection firm of Pollack and Rosen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these accounts ( A ). It is unacceptable to list these accounts as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

In XXXX of XXXX, I was a victim of identity theft. I then had an account with Bank of America and there were checks deposited and then money allowed to be withdrawn from my account, that I knew nothing about. Bank of America allowed someone to deposit SEVERAL IRS refund checks into my bank account and then immediately withdraw the funds, even though it exceeded the amount that I had in my account at that time. The transactions were made at a Bank of America branch in XXXX XXXX, MO and I lived in XXXX XXXX, MO at the time. There was absolutely NO WAY I could have made those transactions and the signature on the withdrawal slip did not match my own. The bank MUST have video of the person who did this, but at the time, they were very difficult to deal with and refused our requests to view any video of the deposits or withdrawals being made. They treated me like a criminal and were very disrespectful and accusatory throughout the whole process, which I could then only attribute to the fact that I am a young XXXXXXXX XXXX. There were, however, MANY red flags for the bank. One individual does not receive multiple IRS refund checks at once. Banks do not usually allow withdrawals that exceed the amount in a persons bank account and definitely not immediately. Also, all these transactions were done in a city where I never bank. This never should have been allowed! So now, not only did Bank of America keep what little balance I had in there at the time, they have now flagged me in the XXXX XXXX XXXX system that is keeping me from opening any other bank accounts or credit cards. I would think these transactions being allowed in the first place, must have had help from a bank employee. Which is why I feel we can get no justice from BOA. 
I am hoping you can help me clear this up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested Experian remove the hard inquiry for both the XXXX XXXX and the XXXX as I do not recall applying for either one and I have never received a card from XXXX nor a purchased item from XXXX. 

I've also requested Transunion to remove the hard inquiry regarding the XXXX XXXX  as I again do not recall applying for the card not have I received one. 

These discussions with both bureaus were had in XXXX and XXXX of 2020 with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting inaccurate and unverified information on my consumer report which is hindering my ability to conduct necessary banking transactions and is causing harm to my reputation as a consumer. Reporting alleged debt of {$100.00} allegedly owed to XXXXXXXX XXXX XXXX who I have no written contract with. Reporting alleged debt of {$3000.00} allegedly owed to CONSUMER ADJUSTMENT CORP who I have no written contract with. Reporting alleged debt of {$1100.00} allegedly owed to XXXX XXXX who I have no written contract with. Reporting alleged debt of {$2800.00} and {$1100.00} allegedly owed to XXXX XXXX XXXX XXXX. Reporting alleged debt of {$420.00} allegedly owed to XXXX XXXX XXXX who I have no written contract with. Reporting alleged debt of {$22000.00} and alleged past due amount of {$1100.00} allegedly owed to XXXX XXXX XXXX. Violations of 15 USC 1692b ( 2 ) -stating that I owe debt. Violations of 15 USC 1692d ( 1 ) -harming me the physical consumer and my consumer reputation.
Product: Credit reporting or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXXXXXX
Product: Debt collection

On XX/XX/XXXX I placed an online order for an arcade machine that cost XXXX total. As of XX/XX/XXXX, I had not received my purchase. So, I contacted Brandsmart, in XXXX GA and they informed the item was not in stock and the order should have been cancelled XX/XX/XXXX and voided and refunded. I did confirm it was cancelled and voided but it was not refunded per my call on XX/XX/XXXX, and is now on my credit report as if I owe Brandsmart  XXXX plus a late fee. This is causing me undue stress because I'm trying to refinance my house and this fault information is now on my credit report. I do my best to pay my bills on time every time. Additional details below. 



XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  {$390.00} Order Date : XX/XX/XXXX Order Number : XXXX Order Total : {$470.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX To : ( transunion, XXXX, XXXX ) Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX NA Account # XXXX CREDIT XXXX XXXX XXXX Account # XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX : ( XXXX XXXX XXXX XXXX. XXXX XXXX, Ga XXXX ) Dear Consumer finance protection Bureau & trans Union and XXXX and XXXX Pursuant to the FCRA & the FDCPAI now exercise my lawful right to question the validity of this debt your agency claims has come due. 
Fair Credit Reporting Act 609 Disclosures to consumers : ( c ) ( 2 ) ( E ) : A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. 
Fair Credit Reporting Act 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy : ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
Fair Debt Collection Practices Act Section 809. Validation of debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection
Product: Consumer Loan

I applied and was preapproved for a loan online XXXX/XXXX/16 with RoadLoans.com ( Santander Consumer USA ). The loan had a 10.70 % interest rate, with a finance charge of {$13000.00}, to finance {$38000.00}, with a for a maximum loan of {$52000.00}. This is a XXXX % Loan to Value ratio. The dealer associated with this preapproval was XXXX XXXX. My credit score is XXXX, not bad, not great, but I believe just above sub-prime. I later scheduled an appointment with a dealer named XXXX on XX/XX/XXXX through Roadloans.com. I never went, and did n't ask them to run a loan for me. On XXXX/XXXX/16 I received notice I had been declined for a loan by Santander and XXXX XXXX XXXX XXXX XXXX. I did n't authorize them to run a full loan for me, and in fact told Santander, which called me on at least 4 occasions, that that I was not interested and had found a better loan. I bought a car through a different dealership which offered me a 1.9 % interest rate -- dramatically different. People should know that they can get better loans than from Santander.
Product: Debt collection

On XX/XX/XXXX and XX/XX/XXXX I reached out to NCC Business Services regarding an debt with a Apartment I had back XX/XX/2016 with my ex girlfriend. I called to see about settlement woh them I was told no this account can not be settled for anything less. The XXXX the phone was rude acted very non chalant said your working you dont need a settlement if oh were out work we could do something. So I questioned him telling him if I was unemployed wouldnt be able to do anything. Im working need this matter taken care of in a timely matter willing to do 60 % of {$2800.00}. I have a family to provide for ready for this blemish to be removed from my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. CIC CREDIT has violated the FAIR CREDIT REPORTING ACT ( FCRA ). 15 USC 1681 : SEE ATTACHED DOCUMENTS a. Affidavit of Truth- Copy to company was Signed and Notarized b. Copy of item on Credit Report c. Invoice d. Copy of Certified Mail Receipt
Product: Mortgage

After being denied a modification, out of the blue onXX/XX/XXXX, I got a message stating I picked a post pandemic solution and it could take up to 30 days to process. Various messages said that the solution requested was a modification and that I could check its status. Also messages indicated someone would contact me within 2-3 days of XX/XX/XXXX + XXXX XXXXNO CONTACT! Its been 2 months and my request is still being processed???? I never picked a post pandemic solution-do n't know if they picked it for me or they are just jerking me around.
Product: Credit card

I have a credit card with Wells Fargo. At this time, I have three different promotional balance 's on my account. ( They offered special finance of 0 %, for 15 months XXXX Because they claim to apply extra payments to higher interest amounts XXXX, I mistakenly assumed they would add my extra payments to the promotional balance ending soonest. Having checked my last few statements, I see that is not the case. The majority of the money is being applied to the balances with the furthest out end date. When I contacted Wells Fargo, to inquire as to how I might stop this, so my extra payments will be used as intended, I was told that was not possible. I was told they had no way of applying the excess money to any one balance. When I pointed out that that is what they were doing, only in their favor, not mine, I just kept being told he knew how frustrating that must be! When I asked yet again, how I could have the extra money applied to those balances expiring first, he just kept telling me it was not possible. 
At this time, I have no interest charging amounts on this account, only these XXXX special finance balances, which are accruing no interest. I assume that is how they can get around applying the extra money to those amounts expiring the furthest out, but it still does n't seem right, because this will cause me to have to pay interest on these amounts, as they expire. If the extra money was being applied to those expiring first, each amount would be paid off before it expired, which was my intention. 
I would like to know if this is legal, and if so, why?
Product: Debt collection

I was not notified of my bill. I had found out that I had a bill from my credit report. I had called the number about it. I told them I never received a letter about my bill. So I asked if I pay the bill can they delete it from my credit report because I was never told about the bill. I had paid XXXX of them and it was never deleted.
Product: Checking or savings account

After repeatedly complaining about the theft of my accounts, Capital One sent me a letter, stating that they don't find any account in my name. 

In the subject line, they mention the account number ( endings ) XXXX and XXXX. You can see that for yourself in this publicly shared letter : XXXX XXXX XXXX In addition to the over XXXX XXXX USD ( the largest part from an inheritance from the XXXX family , that's the maiden name of my mother, and one of my security questions on file ), two payments have been sent and received by XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  USD on XX/XX/XXXX and XXXX XXXX  USD on XX/XX/XXXX. Today. 

Furthermore, the " bank '' has lost their banking license several months ago, and they operate illegally. They've been cut off banking interfaces and lost their ability to perform manual transactions. After their website has been taken down, they put up a spoofed website. A simple traceroute shows you that. 

Also, I have recorded several Capital One XXXX calls. One " banker '' or CS states on the record that they see my " profile '', and, therefore, account ( s ). The second XXXX  call is as obvious as it can get. A person who doesn't have the faintest idea about banking claims to work directly for the Capital One boss, but refused to provide his legal name. The call features a female voice changer. One of the calls is here : XXXX XXXX XXXXXXXX You can listen to the second ( also to XXXX XXXX  , and maybe even the FDIC or CFPB ) here : XXXX XXXX XXXX XXXX XXXXXXXX? XXXX - or on any popular podcast platform, on XXXX, and XXXX. Should the voice changer changed voice of the male playing " XXXX '' be cut out again, I'll gladly upload it again. 

Also, for your information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I get an email daily stating what is coming in the mail. I received a letter with not post date on it. Inside the envelope there was a letter threatening garnishment of my wages. The envelope was also not certified. The letter was dated XX/XX/2021 but it arrived at my door on XX/XX/2021, two weeks after the date of the letter. They were wanting me to fill out extremely personal information but the letter looks suspicious. I didn't want to fill it out any information because i didn't feel comfortable by how I received the letter. This account is not listed on my credit report either. It stated it had been charged off. I don't want this to reflect on my chances of trying to purchase a home. I have been working hard on my federal loan to pull it out of default. I don't want another loan in default to prevent my chances further when I'm so close to getting stable housing for me and my kids. Please advise what I need to do. Attached you will see the email I receive daily informing my about incoming mail as well as the copy of the letter and what the envelope was like.
Product: Money transfer, virtual currency, or money service

A western union international transfer for {$110.00}. MTCN XXXX was processed yesterday XX/XX/2018 successfully. However, their was an unauthorized cancellation of that transfer and the money was not available as promised.
Product: Credit reporting

this is not my report XXXX please remove from all XXXX reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have numerous accounts showing that I have late payments that have fallen under XXXX XXXX all in and around XX/XX/XXXX through when the name change to XXXX XX/XX/XXXX. I have never had a late payment as the loans have been in a deferment. I have continued to dispute these errors on my credit reports and at one point even had a credit repair agency dispute these errors and yet these continue to remain on my report. I don't know what I need to do to have these items removed. XXXX XXXX is listed 9 times 1. XXXX XXXX opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX opened XX/XX/XXXX, {$1000.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 3. XXXX XXXX opened XX/XX/XXXX, {$3000.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 4. XXXX XXXX opened XX/XX/XXXX, {$4500.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 5. XXXX XXXX opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 6. XXXX XXXX   opened XX/XX/XXXX, {$2000.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 7. XXXX XXXX opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 8. XXXX XXXX opened XX/XX/XXXX - {$6600.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 9. XXXX XXXX opened XX/XX/XXXX, $ XXXX- wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX, {$5800.00} - wrong All my loans were consolidated in XX/XX/XXXX and were placed in deferment due to numerous surgeries and unemployment. All these had been documented and yet this company placed these accounts erroneously right before they switched names to XXXX and all of a sudden there are no late payments. This company should not have been allowed to ruin people 's credit based on their illegal practices. I need these to be taken off.
Product: Debt collection

Good afternoon I had a credit card by XXXX XXXX issued by XXXXXXXX XXXX .my credit line was only {$800.00} Now this collection agency called XXXX XXXX XXXX , who address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX They are trying to collect {$1100.00} I have contacted several times to validate the debts their reply was verified. 
I even disputed with the bureaus and their reply was verified.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In my last dispute I requested removal of the account in its entirety, removal from collection along with all late payments reported in good faith. There is an inconsistency since in the 3 bureaus I have different information regarding this account. XXXX with 0 late payments, in another bureau I have it in collection and with late payments.

I was never notified about the collection, and I have been disputing these errors and requesting removal of them for approximately two years without success. Since as soon as I realized that they sent me to collection I settled the account. Action that I took so that my credit would not continue to be affected. Up to now it is the only negative item that I have in my reports, and it is greatly affecting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Closed/Charged Off Opened XX/XX/XXXX Closed XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). As a victim of a data breach, these accounts and inquiries were not authorized by me and must be removed immediately. 
The fraudulent accounts are as follows : XXXX XXXX - XXXX - XX/XX/XXXX - {$510.00} XXXX - XXXX - XX/XX/XXXX - {$620.00} XXXX XXXX, XXXX - XXXX - XX/XX/XXXX - {$820.00} XXXX - XXXX - XX/XX/XXXX - {$110.00} The fraudulent inquiries are as follows : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX