23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX consumers were affected by data breaches by credit unions and XXXX XXXX XXXX. Due to my social security number being breached fraudulent activities have happened such as unathorized inquiries and fraudulent accounts opened in my name. 

My credit reports shows a collection added on XXXX by Credence Resource Management stating they are representing the original credit XXXX date opened XXXX. 

I have no open or prior accounts with XXXX nor did I know anything about this account I was transferred to XXXX different agents an no resolve or account details. This account is fradulent and should be removed due to data breaches by XXXX and credit reporting agencies being under fire for inaccurate reporting and law suits. 

Due to these breaches consumer social security numbers have been breached and now massive identity thefts are taking place. My social is now connected the addresses I've never lived as well as phone numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiry from TD XXXX XXXX XXXXI did not apply for credit, disputed with XXXX and removed from my report. 
Received a call from XXXX about an account that was being attempted to be opened. I did not try to open account. XX/XX/22. Disputed with XXXX and removed from report. 
Received a letter from XXXX denying a Credit card as i already had a credit card from XXXX XXXXI did not request a new line of credit -I called chase and they listed this as fraud., XXXX did not see this on my report. 
Hard inquiry from XXXX XXXX  XXXX I did not request a credit card from them. 

I have placed a credit freeze with all XXXX credit bureaus so that no one will be able to open credit in my name. I'm not sure what else to do. 

*i did open XXXX XXXX with XXXX XXXXThat is the only recent credit line that i applied for.
Product: Credit card

I 've had an account for over 20 years with good payment history. But the CC company wo n't report me to the agencies. We experienced fraud on our account in 2006 and as such they stopped reporting us. They claim that since 7 years has elapsed they can not report me to the agencies despite continued good payment history and being a customer in good standing.
Product: Debt collection

Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2018 Account type Collection Department / Agency / Attorney Balance Loan Amount {$550.00} {$550.00} Payment Info Original loan amount {$550.00} Balance {$550.00} Updated on XX/XX/2018 Contact XXXX XXXX XXXX XXXX, MAXXXX
Product: Student loan

The complaint is against Bass & Associates a debt collection agency out of XXXX, AZ and XXXX, TX. They are fraudlent and misrepresenting legal debts fees, they harass their customers and go behind customers back and file wage garnishers and sending wage garnishments while their asking for documents, no hearing but they are taking money without giving the customer a chance to set up a payment plan I also disputed some loans and they are trying to garnish my wages, I provided proof of why I did not owe and they sent it behind my back and told me the garnishment would proceed and im going to say it my name is XXXX XXXX and I feel my consumer rights have been violated, im filing for harassment, dishonest business practices, misrepresenting the legal status of a debt, threatnening with lawsuit and wage garnishment, demanding a amount thats not supported by law or the original creditor amount, this is a FDCPA violation. I provided proof of the dispute and they still proceeded with the garnishment without a hearing at a rate of 15 %. These people almost left me homeless. I want this matter taken care of as soon as possible I tried to reach out to them, but it was a slap in the face. After I provided documents I was told it would be a additional 60 days for a hearing while they proceeded with the garnishment, I even faxed paperwork and was told it would be 24-48 hours before it would be looked at. The school closed and I told them that and I disputed the other loans because they were too much for a XXXX XXXX loans totaling {$60000.00} dollars when the original amount was only {$12000.00} for the program. I also explained to them that I have been a victim of identity theft as well and I sent documents they dont care about that.
Product: Credit reporting, credit repair services, or other personal consumer reports

in regards to the XXXX # XXXX inaccurate reporting is a violation of my rights according to FCRA... .YOU MUST DELETE IF THERES INCONSISTENCIES ON YOUR REPORT ING!!! PLEASE REMOVE THIS NEGATIVE ITEM OFF MY REPORT BECAUSE ITS HURTING ME AND MY FAMILY... .DATE OF LAST ACTIVITY ARE TWO DIFFERENT DATES!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the Petitioner that states XXXX XXXX  had purchased my debt from XXXX XXXX XXXX XXXX XXXX for the credit account # XXXX and assumed all of its liabilities while it had an open dispute and XXXX XXXX  has failed to address the missing payment I made on the account on XX/XX/2017 for the amount of $ XXXX.and explain how it posted to the account. Refer to XXXX bank statement, the XXXX XXXX invoice with the payment due date of XX/XX/2017, and the payment confirmation screenshot. 

I first discovered the missing payment in the payment history on my XXXX  credit report. At that time the account was owned by the original creditor, XXXX XXXX XXXX XXXX. The payment I made on XX/XX/2017 in the amount of {$200.00} was missing. Refer to XXXX  report # XXXX. 


This complaint is intended to address the problem and verify the accounting of the {$200.00} payment I made on XX/XX/2017 and inform me of how it was applied to this account. 

I am requesting that CFPB order XXXX XXXX XXXX. to verify that on XX/XX/2017, a payment in the amount of {$200.00} was posted to this account and show how it was applied to this debt with the following : 1. a summary of my payment history on the debt including the {$200.00} payment on XX/XX/2017. 
2. the date on which the payment was applied and credited the account ; 3. an itemization of how the payment was applied to the account ( i.e., what portion of the payment amount went to the principal, interest, fees, other charges ) ; 4. a copy of the underlying account statement showing the last payment made to the account
Product: Money transfer, virtual currency, or money service

On XX/XX/ I sent a Zelle transfer to my son from my XXXX account to his XXXX account for {$3500.00}. 
He never received it and Zelle said the transaction failed. 
XXXX has said they did nothing wrong, that the transaction went thru -which it didnt because Zelle even said it didnt.

I cant call Zelle direct because I use my XXXX account : they wont even talk to me on the phone. 
Help I want my money back!!!
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency XXXX XXXX credit reporting agency , and Equifax credit reporting agency to block information appearing on my consumer credit report that is tho result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a porsonal credit card accounts opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( private case number ) as proof from the US Federal Trado Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I stated before as the consumer that I sent a certified letter with return receipt to all 3 credit bureaus requiring according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ), that they are required by federal law to verify through the phyiscal verification of the orinigal signed consumer contract. Any and all accounts they post on my credit report. Otherwise, anyone paying for them for service could fax, mail or email in a fraudulent account.

I demand to see the verifiable proof ( an original Consumer contract with my signature on it ) no response accept Equifax said they updated it but didn't send me any proof on file ( Section 609 ( a ) ) on the accounts I listed. I have attached both letters that was sent so they could notify the creditors or collections companies. So, I did notifiy you guys through the credit bureaus so you are still non-compliance because they said you were in compliance. 
Your failure to verify positively these accounts have hurt my ability to get house and other credit. I have read the website CFPB, FTC and other sources. That under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
1 ) XXXX XXXX  2 ) XXXX XXXX XXXX  3 )  XXXX I will be mailing out certified letter with return receipt today and have attachment them in this complaint. Please have them items deleted from my credit reported within 15 days. Because the credit bureaus said you guys to them you met the standards but you have committed fraud. As, goodwill gesture that all I want you guys to do have them deleted these items. So, by law of these accounts should be deleted no proof was given.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to bring to your attention serious concerns regarding inaccuracies present on my TransUnion credit report. Despite repeated attempts to rectify these errors, they persist, posing significant challenges to my financial well-being. 
Since XX/XX/scrub>XX/XX/2020, I have diligently worked to address fraudulent and unknown accounts, as well as errors in personal information, on my credit report. Regrettably, these efforts have been met with limited success. The following accounts require immediate attention and resolution : XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, I have noted an alarming discrepancy in the personal information section, with a total of 32 different names listed. This misinformation is not only inaccurate but also undermines the integrity of my credit profile.
Product: Credit card or prepaid card

In XXXX of this year I disputed XXXX charges on my American Express credit card account due to fraud. 

XX/XX/XXXX : XXXX - {$38.00}, XX/XX/XXXX : XXXX - {$300.00}, XX/XX/XXXX : XXXX - {$540.00}. 

XXXX of these charges have been credited back to me but XXXX has not ( {$540.00} XXXX. I had to " re-open '' the fraud case XXXX additional times ( case # XXXX & XXXX XXXX. I did not get the case number for my original call. 

Im not sure why this one remains outstanding because all XXXX charges were made by the same person. The backup paperwork provided to me by AmEx clearly shows that I was NOT the person who ordered OR received the items, but rather someone named XXXX XXXX, living in XXXX, TX XXXX I live in XXXX, NV XXXX. 

I had my card in my possession and the time and have since been issued a new card, I did NOT authorize anyone to use my card, NOR do I know this person. Im surprised that someone could even use my card and that XXXX and American Express would approve it when he used his name for the purchases, and I do not have any authorized users on my card. 

I must also mention that Ive been told on at least XXXX different occasions over the past few months that my previous case XXXX XXXX ) on this issue was resolved in my favor and that I would receive credit on my next statement. This is very frustrating as Ive made at least XXXX calls, spending hours on the phone and still no resolution. 

XX/XX/XXXX - I made XXXX last call today and was again apologized to and assured I am not liable for fraudulent charges and I would have an answer in 3 days. 

Thank you for your assistance in this matter.
Product: Checking or savings account

XX/XX/XXXX - I put in a request to wire $ XXXX in funds from my BofA account XX/XX/XXXX - The bank flagged it for fraud activity and canceled the wire XX/XX/XXXX - I tried to wire {$15000.00} to a XXXX Account, this was also flagged, and when I called in, they said it was under review. They felt it was fraud again. We both agreed it would be canceled. I went to log into my account later that day, and my online account was locked. When I called customer service, they said my account was under review. I called in several times, and the customer service agents and fraud group would not provide me any updates except, " The account is under review '' XX/XX/XXXX - I called customer service again, and they said they had decided to end our relationship. I asked why, but nobody would provide an answer. Instead of arguing why they closed a XXXX yr relationship, I requested information on the procedure and timeline to close the account, so I knew what to expect and when I could get my money. They said they weren't sure and were not clear on when it would close. I needed the money for day-to-day expenses and family requirements. They said they would officially close the account on XX/XX/XXXX, and I would be provided a tracking # on the cashier 's check with my funds. This was not acceptable, however I felt I had no choice. 
XX/XX/XXXX, I called Customer service and said I had not received any notice of account closure and tracking # for my cashier 's check. The agent said my account is under review and could not tell me anything else. I asked, why it was under review and he could not answer. He said that the " estimated '' closing date for my account was now XX/XX/XXXX and that there is nothing else he can do. I asked to speak to his manager or anyone who could shed light on this situation, and he said there was nobody he could connect me to. 

At this point, I feel that I'm being unfairly treated, and wrongfully accused of something I have no idea of. On top of that, BofA are simply holding my money indefinitely until they see fit. I have no idea of my situation and when I will be resolved. 

This treatment is absolutely unjust.
Product: Student loan

I am currently in the PSLF program which is serviced by FedLOAN ( US Dept of Education ). In XXXX of XXXX, I noticed they had incorrectly calculated the number of " qualifying payments '' to my account. At that time, at their request, I made a formal complaint for a recount. I received a partial recount update last year ; however, again, they are woefully shy of the roughly 7-8 years of payments I have made since XXXX being employed full time by 501 ( c ) organizations, where I remain working full time teaching medicine to this day. 

I call FedLoan every 3-4 weeks and continue to be told, " we are sorry, we are understaffed. We no longer have a timeline when your request for a recount will be done ''. This severely impacts decision-making for my career and further negatively impacts my decision to consider working in an area of severe unmet medical need.

This process has now entered is 3rd year since my requests.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX Balance : {$86.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$310.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX Balance : {$690.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

I was on vacation in XXXX from XXXX XXXX XXXX XXXX where XXXX XXXX  and additional XXXX assault occurred on XXXX Flight XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI ended my trip early. 

A XXXX right to life group was housed in XXXX I remained at ; XXXX XXXX whereas Patrons from the Bar began harassment XXXX minutes post Check in. 

These items were reported to XXXX XXXX walk, XXXX, Law enforcement XXXX Florida and XXXX XXXX XXXX XXXX Police. 

I asked TD Bank holder of my Debit card to return Losses based on intentional penal code actions. Merchant Complaint was filed within All merchants of which TD Bank denied me return of funds. All Copies of law enforcement reports provided to TD Bank of which TD failed to permanent return of funds and advised Customer no Appeal Process within TD bank exists for reconsideration by TD Bank. What steps within enforcement can CFPB take to ensure FDIC and Consumer Protection laws are enforced. Reporting of Crime ; provides Commercial Banks effective immediately return Any credit card purchase due with Incident and preventive measures within victims public safety concerns. TD bank was unwilling to accept Police reports as proof of reporting.
Product: Debt collection

I have been receiving repeated phone calls from Phoenix Financial XXXX XXXX, Indiana ( XXXX ) XXXX on my cell phone trying to reach somebody named XXXX XXXX. This has been going on for about 2-4 times a month for three years and Ive spoken on my phone dozens of times to them and theyve always agreed to take my cell phone number off their list but each time they have lied and didnt take it off their list at all. 
Ive never heard or do I know XXXX XXXX, he is not a friend, family member or acquaintance. 
Phoenix Financial Services uses a variety of Texas local phone numbers, the last being ( XXXX ) XXXX, when calling me and they always say or have a recorded opening that they are Phoenix Financial Services and that they are trying to collect a debt. 
I got my cell phone number ( XXXX ) in 2017 when I switched phone carriers ( XXXX ) in a move from XXXX to XXXX. My previous cell phone XXXX phone number was XXXX. 
I have asked them to stop calling or I will report them to the government many times and yet they continue to call me. I dont know what to do as they are constantly interrupting my day with their phone calls and it must stop.
Product: Credit reporting or other personal consumer reports

I disputed and nothing happed I filed complaint through you guys and nothing has happened My original omplaint This is my third time requesting the below items be removed or proof that they are mine be provided. These are not my accounts and I have filed a police report due to my wallet being stolen in XXXX and then all of this shows up a year or so later. 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 XXXX XXXX XXXXXX/XX/XXXX I contacted each company and they couldnt provide any information and when I gave my address social they either couldnt verify me or had no record. My Identity Theft Report reference number is XXXX and my police report number is XXXX.
Product: Credit card or prepaid card

I calle d capital one on   XXXX  because of the hold they were placing on my credit card th e manager said that he would apply a credit for {$50.00} on my acct due to the inconvenience yet applied only {$15.00}. talked customer service tonight and they told me oh well his note is what we have to go by. I  have the call recorded and it clearly states {$50.00} yet they will now honor that
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$10000.00} - Late/closed - XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$9500.00} - Chargeoff- Equifax XXXXXXXX XXXX XXXX Date XXXX Balance Owed : {$9500.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date XXXX XXXX XX/XX/year> Balance Owed : {$10000.00} - Late/closed - XXXX XXXX XXXXXXXX Date XXXX Balance Owed : {$9500.00} - Chargeoff -
Product: Credit reporting or other personal consumer reports

Transunion is inaccurately reporting this account, violating 15 USC 1681. Does not match up with XXXX and XXXX reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

bankruptcy being reported on credit report, I asked XXXX  and XXXX  to verify how they obtained this information since the Wisconsin bankruptcy court does not provide court cases to 3rd parties, I do had that in writing. I then contacted pacer since it was a public record and pacer does not provide this information to credit reporting agencies. XXXX  and XXXX stated that Lexis Nexus provided them with this information I contacted lexis nexus and the rep told me that Lexis nexus does not share information with credit bureaus only insurance companies, but refused to provide me that information in writing, Their calls are recorded. I was not disputing the bankruptcy only that is should not be report to ANY credit bureaus and needed to be removed ASAP. at this point i am ready to take legal action against these companies for not providing me a proper means of verifying this information, who or how it got on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notice inquiries that are not of my knowledge and have reached out to these companies in question and received no results I have reached out to XXXX as well and I have gotten a run around. 

Here are the companies and dates of inquiries XXXXXXXX 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 XXXX
Product: Debt collection

I believe this is a bill I received for our son several years ago, we supplied insurance information at the time of the appointment. Received a bill we shouldn't have. ( They never billed insurance ). I then called to find out why and they told me they would bill insurance and I never hear anything else. It is now to late to bill to insurance as it was years ago.