23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

This complaint is not related to my other complaint that I filed last week. 

I received an offer for a monthly payment plan when I logged in to my CLOSED account online. I accepted and it gave me two option to choose : 1. .9 % APR with a low monthly payment until balance is paid but " THE ACCOUNT WILL REMAIN CLOSED '' 2. 11.9 % APR with a low monthly payment and " KEEP YOUR CHARGING PRIVILEGES '' I selected option # 2 and accepted higher 11.9 % APR so I could keep charging privileges. I made the required payment and chatted with an online rep. He told me that my account will stay closed and will not have any charging privileges. I told him that it was DECEIVING AND FALSELY ADVERTISED and requested him to let me select option # 1 but he refused to do so.
Product: Debt collection

JEFFERSON CAPITAL SYSTEM ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$560.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit card or prepaid card

I opened an account from a pre-approved letter with BBVA Compass in early 2019. First, it took two months to get the card while they continued to bill me. Then, when trying to pay the bills, it gets really XXXX  up. I mail a check in and it's returned to sender " no known address. '' The will only accept a mobile phone number to make online payments, not a landline, which equates to requiring my cell phone number to do business with them - illegal. I've called in to make payments every month and each time it's a XXXX hold. I'm currently holding for minute 154. Yes, one-hundred-and-fifty-four!!! Been transferred three times to make a payment over the phone as they insist I have to pay online but won't accept my landline, only a cell phone. My cell phone is also pre-paid so it won't work with their system. What the XXXX  is this????
Product: Checking or savings account

I submitted a fraud dispute through Bank of America because my card was used fraudulently. They gave me a provisional credit back in XXXX for {$270.00} I believe. They reversed the charges and my account was in the negatives. I called to speak to a representative to try to reopen the case in XXXX or early XXXX because my card was actually used fraudulently. I asked how long did I have to pay the money back? Because they were not trying to reopen the case. I was told that my account would stay open forever until I paid it. I was attempting to get the case reopen until I received a letter in the mail stating that my account was closed and XXXX be reported to XXXX.
Product: Debt collection

DEBT IS NOT MINE. IM A VICTIM OF IDENTITY THEFT. COMPANY IS AWARE OF THIS MATTER, BUT CONTINUE TO REPORT.
Product: Debt collection

I am formally notifying you that if corrective actions are not taken within XXXX days, I will file a complaint with the Federal Trade Commission ( FTC ) regarding your company 's non-compliance with federal law. I talked to someone within the company to confirm the documents have been received and they informed me that they never receive documents from the CFPB. You are obligated to respond within XXXX days, and failure to do so may result in fines of up to {$1000.00}. Please provide the investigation procedures for the following accounts within XXXX days to avoid further escalation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reporting on Equifax from XX/XX/2022 is wrong. The notations about delinquencies, past missed payments over 30, credit score algorithms are all wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was notified by the credit bureaus that several medical bills were added to my credit file. I did not give written consent for this. My HIPAA rights have been violated as I know that I was being seen for mental health issues due to COVID pandemic, I had insurance and now I am being violated and my personal health information isn't secure. I have already tried to advise the burueas of being a previous victim of identify theft and this needed to be resolved as I have been made aware this is legally my right. The following laws have been violated Privacy Act of 1974, as amended, 5 U.S.C. 552a, 1681. Congressional findings and statement of purpose, The Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692. 
The Hospital facility that violated my rights are and the agencies they sold my XXXX to are : 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. ) There are six ( 6 ) different accounts all with the same name and collection agency but all different dates and amounts on all three ( 3 ) credit bureaus. This is higly alarming and completely inaccurate in additional to a huge violation of my HIPAA rights. XXXX XXXX XXXX and the agency they sold it to is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. ) XXXX XXXX and the agency they sold it to is XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

DEBT RECOVERY SOLUTIONS , LLC, XXXX XXXX And XXXX XXXX   negatively reaged my credit. Saying it was opened on XX/XX/XXXX ( XXXX XXXX  ) and opened XX/XX/XXXX ( XXXX XXXX  ) when this debt is fromXX/XX/XXXX-XX/XX/XXXX and should be off my credit by this year as originally stated before reaging it on my credit report. I want it removed.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I received a phone call from this number XXXX and was coerced through the use of legal threats by an individual posing as a Texas police officer into transferring money from my bank account into multiple individuals other accounts via XXXX. There was an elaborate story involving solicitation of minor via online dating website and property damage. I was directed to speak with phony parents that eventually offered the opportunity to resolve the matter without pressing charges. I was told I could avoid extradition and criminal proceedings if I payed for a XXXX laptop that had been destroyed during the concocted incident. I was offered multiple options to pay and ultimately ended up using XXXX initially to make one XXXX payment, then a XXXX dollar payment through XXXX. After this I was then told I was going to be charged for various legal fees including payments for keeping my record clear from any wrongdoing this would total in the amount of XXXX dollars which was again paid with XXXX. 
On the morning of XX/XX/2023 I started receiving texts from the same number I had initially received a call from XXXX that payments from the night before had been put on hold and that I need to attempt again. I was texted repeatedly and aggressively in order to get money transferred or else warrants would be issued soon. 
This is when I contacted other individuals and quickly found out these were not real people and it was all an elaborate money scheme
Product: Checking or savings account

XX/XX/year> Randomly had my account restricted, called bank as instructed to do. I was sent a link to update forms of ID. It was verified then asked about XXXX transactions and contract info and person info about the transactions? 
After all of that, Ive reached out several times on an update on the expedited case and they say they can not provide me with XXXX and then hang up. 

I was told this would be expedited but it has not. I cant use my card and I dont have any cash to live. This is very frustrating and hoping this will be resolved very soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

My home was acquired from XXXX XXXX XXXX XXXX and paid for at closing with my signature or the contract will be resented also discharged via 1099C through IRS to Corporation yes they double dipped and then sold my information to the XXXX XXXX XXXX XXXX XXXX  which happens to be fraud and commercial mischief along with others very unfair to a XXXX XXXX  XXXX veteran with XXXX  young children.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of inquiry issue of XXXX/XXXX XXXX. I had never applied for a credit with this company. Please remove these inquiries in accordance with the Fair Credit Reporting Act. Delete the following using the effective inquiry date ; XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I transfer {$2000.00} to my landlord with a wrong phone number, XXXX, his correct number is XXXX, the recipient name is still his name. Chase bank refused to refund the {$2000.00} even the wrong number doesn't match the recipient name. Chase bank 's excuse is that the wrong number is not created by the sender, it is in an instruction in the email that I sent to the landlord My claim is that Chase should refund because the wrong number doesn't match his name, even the phone number was wrongly typed by the landlord in the instruction email.
Product: Student loan

I have been attempting to pay my monthly student loan payment for a week. The account has become locked and attempts to reset the the password or username have been blocked as well. I tried to e-mail the company, but I have to be logged into my account to access the e-mail form. I was provided with a XXXX number to unlock the account but there was no option on the main menu to unlock the account or to speak with a customer service representative. The entire menu was automated with no clear information on how to speak to anyone about unlocking the account so payment could be made. The only option was to pay by check over the phone, but with this option I am still left with a locked account so I am unable to check my balances or engage in correspondence with the company through e-mail.
Product: Debt collection

The Debt collection department at FOURSIGHT CAPITAL LLC, has been calling me and my spouse repeatedly since XXXX XXXX XXXX for an alleged debt. I have been performing on my contractual obligation by way of the bill of exchange as I stated at signing this contract, XXXX. 
I have spoken with the collections department a number of times ; they just call right back. this is harassment and I would like this to stop. I will list the calls from my phone first as I XXXX XXXX XXXX XXXX, having the contractual obligation with FOURSIGHT CAPITAL LLC XXXX the phone number ending in XXXX, calls as 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. I work from XXXX XXXX this is my work schedule ; the debt collection department has been calling my cell phone but that makes no difference while I'm at work to them. I have requested all communications to be in writing. The people FOURSIGHT CAPITAL LLC have in the collection department have no idea what the laws are, I asked a XXXX there if she knew what the XXXX in XXXX rule entails, under the FDCPA. she had no idea what I was talking about. The calls continue even after I explained it to her. I told her this was a form harassment ; she really didn't care. Because the calls continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Experian for violations of the Fair Credit Reporting Act ( FCRA ) and its implementing regulation, Regulation V. Experian has failed to provide me with complete and accurate information regarding the reinvestigation of my dispute, in violation of FCRA Section 611 ( a ) ( 1 ) ( A ) and Regulation V Section 1022.42 ( a ) ( 1 ) ( i ).

On multiple occasions, I requested that Experian provide me with a more detailed summary of the results of the reinvestigation process for the disputed information related to XXXX ( Report Number is : XXXX ). Despite several requests dating back to XX/XX/2021, Experian has failed to provide me with the requested information. The lack of accurate information has caused significant inconvenience and harm. 

Moreover, Experian violated FCRA Section 611 ( a ) ( 1 ) ( A ) and Regulation V Section 1022.42 ( a ) ( 1 ) ( iii ) by failing to provide me with a list of all documents and information reviewed during the reinvestigation process. I had requested this information to ensure that all relevant information was reviewed, but Experian failed to provide it. 

Additionally, I requested contact information for the data furnisher ( s ) or public records vendor that Experian contacted during the reinvestigation process, as well as any additional information that Experian may have regarding my dispute. However, Experian failed to provide me with this information. 

Furthermore, Experian failed to provide me with evidence of its processes and method of verification, in violation of FCRA Section 611 ( a ) ( 1 ) ( B ) and Regulation V Section 1022.42 ( a ) ( 2 ). Experian informed me that they " asked them to verify the accuracy of the information with which I disagreed and they responded verified that the remaining disputed information was accurate as reported. '' However, Experian did not provide me with any specific information about the verification process. 

Experian 's failure to comply with the FCRA and its implementing regulations has caused significant harm and inconvenience. I am requesting that the CFPB investigate Experian 's actions and impose appropriate penalties as necessary. Additionally, I request that Experian provide me with a detailed explanation of the results of the reinvestigation process, a list of all the documents and information that were reviewed during the process, and the contact information for the data furnisher ( s ) or public records vendor that Experian contacted during the reinvestigation process. I also request evidence of Experian 's processes and method of verification.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing inquiries that have shown up on my credit file on XXXX XXXX XXXX and Experian since year XXXX. I have contacted all three credit bureaus and they consistently say that all inquiries remain factual and will stay on my file for XXXX years. 
I received a letter XX/XX/XXXX which stated all inquiries will remain and how some I listed arent even on my credit report, which is false which tells me they did not do a proper investigation. The documents uploaded below are screenshots from annual credit report.com which shows all hard, promotional and soft inquiries listed on my credit file. 
I now seek under my rights under the FCRA Regulation V generally require a furnisher to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report and pertaining to an account or other relationship. 

I am requesting each credit bureau ( XXXX, XXXX and Experian ) provide me with the name of the business representative they contacted in regards to the credit inquiries listed, the date they reached said representative, time of phone call, address of business and the representative name and phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my report because I am looking to buy a house and I noticed some errors. I have since been stricken with panic attacks, have missed work and my hair is falling out due to stress caused by this false information on my credit report.
Product: Debt collection

This debt is considered to be statute of limitation last payment made in XXXX limitation for this is 5 years for state of nebraska they switch companies and report it to credit bureau as new debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX 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 a account without my written instructions Account XXXX XXXX XXXX XXXX
Product: Debt collection

I owe apparently to care now but I never received a physical mail paper with any account number to where I could pay that amount online. so I attempted to call the collection company which the company is called Eastern account and they were not helpful they would not give me an account number and Ive been trying to pay this off for a while but its just been a struggle and I dont have any physical mail to prove that actually owe anything. I know that I did call care now and they told me I owe money to them but they would not let me pay through them I had to go through the collections company but I dont have an account number to prove that I owe money so Im not really sure how to pay this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is the letter of PROOF you demanded of me because you failed to do your job correctly when I submitted my drivers license showing my only address, mailable to me. Now I am demanding removal of the INQUIRY and the address of XXXX  XXXX  MI.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote all 3 major credit reporting agencies ( XXXX, XXXX, experian ) and informed them of fraudulent information on my file. I submitted a police report, an ftc theft affidavit along with my identification and proof of residence. 
The items that were fraudulent are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a female and I was informed that a male was posing as me at an address not mine. Im not sure how they were able to convince these companies that my name was a male name.

These items remain after I disputed them with the documents needed to block and remove them per the fcra 605b provision.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request 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 items 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I received numerous letters from XXXX XXXX XXXX ( collection reporting agency ). I am a victim of Identity Theft and continue to suffer from the theft of my social security number and other personal information which was used to open multiple credit cards, lease and utilities at various locations. In XX/XX/2023, I started receiving multiple collection letters and requested my credit reports from XXXX, Equifax and XXXX which revealed multiple credit card accounts in negative status. Furthermore, I contacted each creditor and collection agency listed on my credit files. As of XX/XX/2023, I have been unable to get some of the inaccurate, misinformation and unauthorized items removed from my credit file. Furthermore, I continue to receive annoying collection letters and updated credit reports with unauthorized charges from credit cards and other service providers. This identity theft situation has caused me damages and pain and suffering. Because of this identity theft matter and negative credit reporting from the collection agencies and credit bureaus I have not been able to obtain new credit, Apartment and Employment. On XX/XX/2023, I filed Identity Theft Affidavit with the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian not reporting account sold and never reported in remarks.Inaccurate information.
Product: Debt collection

I am currently under an order by child support enforcement for in excess of 25 % of my wages. XXXX XXXX XXXX, XXXX sent me a notice of court proceeding to collect debt. 
i sent them a letter advising of such with relevant case numbers and advising the order is in affect until XXXX they filed a garnishment anyways, at my old job. they sent a second notice of court proceeding to collect debt and i sent emails to the attorney who was on the form and the managing partner. they filed the garnishment anyways. This is legal harassment and i believe it violates the FDCPA if they knowingly attempt to attach funds that are not attachable. I have received no response from XXXX XXXX. this is also running up the costs on the judgment which seems punitive
Product: Debt collection

XX/XX/2014 I signed a lease for an apartment at XXXX XXXX in XXXX XXXX IA. I had tried to get them to show me the apartment I would be getting that whole week, prior to me signing a lease. The first time I had gone to look at this complex, they took me to a model unit. I had asked if my apartment would look just like that. It had all new cupboards, counters, carpet, paint etc. The model was immaculate. The day I signed they scheduled me for the last appointment for the day and rushed me through the process, not giving me a walk-through of the apartment I would be getting prior to signing. They gave me the keys, I drove to the apartment, walked in and was so devastated to say the least. It was awful! Nothing like the model unit. It had gross closets with mold, the place smelled musty the cupboards and counter tops were old, the carpet old, the deck looked like it would fall apart if you stepped on it ... I drove back to the office to give them the keys back but they had closed and locked up already. I called and left a message that I would not be renting from them and would be returning the keys in the morning. I had everything lined up to move and nowhere to go. They caused me so many problems and money by fraudulently getting me to sign that lease. I had to pay for the moving van that I didnt use that day and find another place to move at the last minute. I recently checked my credit which is how I found that I still have this collection acct showing active/open with a balance of {$3000.00}. This is over 5 years old. The collection company listed is Rentdebt automated collection. I am reporting XXXX XXXX for their unfair practice, for this erroneous collection amount. I will be sending a letter to the credit bureaus demanding they remove this collection account. I'll file a complaint with the Consumer Protection Division of the Iowa Attorney General 's office and will be sending a registered letter to the apartment complex owner demanding they remove this debt and show as satisfied.