23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : 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 , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XXXX XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX  on XX/XX/XXXX with a balance of {$58000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX 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 # ( XXXX XXXX XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

You violated the United States Code Law : 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to thedebt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, adebt collector shall assume that the convenient time for communicating with a consumeris after XXXX XXXX antemeridian and before XXXX XXXX XXXXostmeridian, local time at the consumers location ; ( XXXX ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to acommunication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( XXXX ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to thedebt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of anydebt, with any person other than theconsumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes thedebt collector to cease furthercommunication with the consumer, the debt collector shall not communicate further with the consumer with respect to suchdebt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that thedebt collector or creditor may invoke specified remedies which are ordinarily invoked by suchdebt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumeris made by mail, notification shall be complete upon receipt. ( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a XXXX ), guardian, executor, or administrator.
Product: Debt collection

To : XXXX  XXXX RE : XXXX & XXXX # XXXX I am writing this letter in response to the letter received from you dated XX/XX/2020, concerning an XXXX account. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am notifying you this debt does not belong to me. This debt may be the result of unauthorized charges, therefore I am requesting you to provide me with verification that XXXX conducted a proper investigation, proof of their investigation and the unredacted file they received and used to conclude their decision. I am also requesting validation of the debt as my right under. ( 15 USC 1692g Sec. 809 ( b ) ) I am asking that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you or anyone. You know the drill and I am advising you to act accordingly. 
Your non-compliance with my request could be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 
Furthermore, I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties. 
I appreciate your efforts in this matter and look forward to your response. 
Regards, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX, Mi. XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Lenderlive has reported the one payment covered by my bankruptcy as a late payment n umerous times on my credit report, lenderslive,   XXXX   XXXX    XXXX   XXXX ,  XXXX , Colorado  XXXX , telephone #  XXXX , the dates reported are from  XXXX  to  XXXX . They show on my credit report as LNDERLIVE  XXXX . My bankruptcy was in   XXXX   for that one payment.
Product: Debt collection

I got a email stating I owe a debt but I dont remember even signing up for this particular loan and this supposed senior recovery attorney is asking I pay it in a one time settlement and if not then Ill be sued. Im not sure if this even real or if this is a scam. I have only been contacted by them once.
Product: Checking or savings account

When ever I have a fraudulent charge and dispute it, capital one ALWAYs rules against me, after they demand more information, on charges I didnt make and have no records of. its ridiculous. How am I supposed to have information on charges I did not authorize? The first was something I actually purchased, a trailer for {$250.00}. the seller sent a rubberband, I disputed, capital one denied my claim. the last one, was today, XX/XX/2020, when I disputed a XXXX dollar charge that I never authorized, was also denied. their reasoning is I supplied no information. How am I supposed to have information on a charge i never authorized? worse bank ever.
Product: Debt collection

This collection agency is furnishing an alleged debt that is on my consumer report ( XXXX ) The collection Agency Revco which is on XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX has not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter on XX/XX/2021 and have not recieved any proof of the from them that there is an agreement in place pursuant to 15 usc 1692f ( 1 ) of the FDCPA that they can collect from me or that they even own the debt. This is a violation of my right to privacy. The comapny has also violated these laws. 

- 15 usc 1692b ( 2 ). Requesting location information from a family member saying i owe such debt - 15 usc 1692b ( 5 ) Using a symbol to indicate to the consumer that the debt collector is in the debt collection business - 15 usc 1692c ( a ) ( 1 ) calling the consumer at an unusual time or place - 15 usc 1692c ( a ) ( 3 ) calling at the consumers work place when it is prohibited to recieve such communication.

- 15 usc 1692d ( 1 ) using the means of harm to damage my reputation - 15 usc 1692d ( 2 ) The use of profane language which is used to abuse the hearer or reader - 15 usc 1692d ( 5 ) Causing the telephone to ring repeatedly with intent to annoy, Abuse or harass any person at the called number - 15 usc 1692e ( 2 ) The false representation of the legal status of a debt - 15 usc 1692f ( 1 ) The collection of any amount unless such amount is expressly authorized by the agreement creating the debt - 15 usc 1692g ( a ) Failure to provide the 5 things to prove the comsumer owes a debt within 5 business days. 

There is over {$10000.00} listed in violations of the FDCPA and if this issue is not resolved i will pursue litigation with this company
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Closed : XX/XX/20 Dear Sir/Madam of the CFPB I am writing to file a formal complaint against Bank of America concerning the recent closure of my account without providing a valid reason. 

**Account Details - Account Holder Name : XXXX XXXX - Date of Account Closure : In process, Scheduled for XXXX On XX/XX/20 I was informed by Bank of America XXXX when I noticed my daily routine wasnt functioning, that my account was being closed. Despite multiple attempts to seek clarification, the bank has not provided me with any valid reason for the closure. This unexpected action has caused significant inconvenience and financial distress. 

I have attempted to resolve this issue by contacting the bank 's customer service on XXXXXXXX XXXX XXXX but I have not received a satisfactory explanation or resolution. I believe that the bank 's actions are unjust and have affected my financial stability. My money is stuck in the account until they close and mail all funds from the account. This is inconvenient for me especially being that I am a longtime loyal customer. 


I kindly request the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Bank of America provides a valid reason for the account closure and addresses any potential wrongful actions. I also seek assistance in reopening my account or transferring the remaining funds to another financial institution. 

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

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

I have a large amount of hard inquires on my credit report with each credit report agency. I can verify the ones I consented to but I don't have knowledge of the others. I have not given my permission to check my credit. Unfortunately I am in the process of a divorce and my soon to be ex has been very free in the past with my personal information to obtain credit. I'm frustrated and I have been working hard to get my credit back to good and this is a huge set back. Can you please help. their customer service would not help and take care of the negative inquiries reporting to your credit bureaus. 

My name is XXXX XXXX XXXX has the following : XXXX/XXXX-XXXX XXXX XXXX XXXX   XXXX XXXX-XXXX  SYNCB  ( 3 DIFFERENT TIMES ) XXXX XXXX XXXX   XXXX/XXXX XXXX/XXXX XXXX has the following : XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX SYNCB XXXX XXXX XXXX  has the following : XXXX ( 3x 'S ) XXXX XXXX XXXX XXXX ( 2'xS ) XXXX/XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ( XXXX XXXX ) Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my 94 written instructions 15 U.S.C 1666B : A creditor may not treat payment on a credit account under an open end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to TransUnions website on XXXX XXXX, 2017 to obtain a free credit report at https : //www.transunion.com/annual-credit-report. See attached pdf which shows picture of misleading website intentionally designed to fool people into ordering a service which they do not want and which is very difficult to cancel. 

If you go to the site you will see that they advertise a free annual report. They mention it being free several times in the paragraph that follows and there is a button to order a Trans Union report and score to the right of their description about the free services. I clicked on the Get your credit report and score button. It brought me to a three-step process which I completed. The process required that I provide them a lot of details about myself including verifying my home mortgage and even entering a credit card number. It did not occur to me that I was entering my credit card number for purposes of being billed for any type of service. I was surprised when I received an email that stated that I had enrolled in a monthly credit monitoring service for {$19.00} per month. 
I contacted Trans Union today and spoke with 2 individuals who assured me that it would be easy to have the service canceled. I went online and am not sure that the service was even canceled. 
I am very concerned that I have been victimized by Trans Union and that many other Americans are also going to be victimized by Trans Union particularly after the XXXX situation where many of us are wanting to run a credit report to see if we have been victimized.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my formal complaint to EQUIFAX for taking no actions on correcting and removing the fraudulent accounts that are still reflecting on my credit report and continue to damage my reputation. I have attached my FTC report with the report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Product: Debt collection

Spring Oaks Capital LLC has violated my consumer rights and are illegally attempting to collect a debt in a state that they arent licensed in. Due to this fraudulence, I would like this account removed from all three of my consumer reporting agencies reports immediately.
Product: Student loan

A new servicer of a student loan that I took out in XXXX XXXX is constantly calling me every morning and every day. Emails are sent to me everyday. Regardless of time they continue to call me every morning and every afternoon. I have discussed payment options with them as well as when and how often they are allowed to contact me. Despite this they continue to pray upon me every morning around XXXX, once in the afternoon, and finally once more around dinner time. Also, emails are sent to me everyday from them which interrupt my time and responsibilities, I believe they are using such constant pressuring techniques because they believe that I will not exercise my rights as a debtor with respect to federal law. I have call logs and emails to substantiate my position. It's disgusting and purely predatory in nature. 

Since this servicer has taken over in the past 2 months they engage in these collection techniques daily. The old servicer did not do this and I made payments to them when notified. I do not have the ability to respond and make payments in response to this. Please help. Again, I have pictures of these communication attempts that I can send in.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has been reporting my bankruptcy that was discharged in XXXX as DISMISSED. they claim that they get the information from XXXX and that its accurate. I have spoken with XXXX and have a report from them dated XX/XX/XXXX. This report show DISCHARGED not DISMISSED. TransUnion continues to negligently report my bankruptcy as DISMISSED. I have disputed the information 5 times in the last few months with no avail.
Product: Checking or savings account

I am complaining about Rockland Trust Company in Massachusetts. I have a checking account at the XXXXXXXX XXXX, which is owned by Rockland Trust. They sent me a notice of overdraft, which is impossible because I have over {$4000.00} in the account. I contacted them on their website, filled out and emailed a form to close the account on XX/XX/22 and sent a copy of my driver 's license. They have charged overdraft fees of {$35.00} on XX/XX/XXXX, XX/XX/XXXX, and have another pending on XX/XX/XXXX. I spoke with XXXX on the phone on XX/XX/XXXX but he was unable to close the account. I have had an email exchange with XXXX on XX/XX/XXXX again about closing the account. They are also affecting my credit rating because of the overdraft charges on an account with sufficient funds. This is a poorly run bank with a XXXX rating of XXXX. I am a XXXX XXXX and a former member of the XXXX XXXX. Rockland Trust bought XXXXXXXX XXXX probably associating XXXX with wealth and the chance to make big profits. I want all overdraft charges cancelled and the balance in the account sent to me as a check. As a former XXXX XXXX  and a XXXX XXXX XXXX want Rockland Trust investigated for possible illegality.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased airline tickets for 4 passengers from a travel agency XXXX to travel from XXXX, XXXX to XXXX, NC using a credit card from Gemini.com. The charges appeared on my statement as following : XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX One ticket out four was never confirmed. I had to make alternative plans and purchase additional tickets. I disputed the above charges with Gemini because I didn't receive the goods/services I ordered. 

Gemini gave me a temporary credit on my XX/XX/XXXX statement. In XX/XX/XXXX Gemini responded, saying they reviewed the transaction and resolved in the merchant 's favor. The charges I disputed earlier appeared on my XX/XX/XXXX statement as follows : XXXX XX/XX/XXXX XX/XX/XXXX PRINCIPAL DEBIT ADJUSTMENT {$2900.00} XXXX XX/XX/XXXX XX/XX/XXXX PRINCIPAL DEBIT ADJUSTMENT {$580.00} I went ahead and paid these amounts but I also tried to appeal Gemini 's decision by providing additional evidence to support my claim against XXXX. 

XX/XX/XXXX I received several messages from Gemini stating the following : " XXXX XXXX, Your dispute case has been resolved in your favor and the temporary credit that was applied to your account has been made permanent. No further action is needed. 
Team Gemini '' At the same time, however, the following charge appeared on my XX/XX/XXXX statement : XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$580.00} XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2900.00} The same charge was applied to my account twice! 

I contacted Gemini multiple times and opened multiple support tickets. Each time I received the following response : " Hello XXXX, Thank you for reaching out to Gemini Credit Card Support. 

We finalized your request to reopen your claim on XXXX XXXX in favor of the merchant. We have submitted your appeal to the merchant however they rejected it. 

Upon review, the disputed transactions were added on your statement since for XXXX statement this was put on hold due to ongoing disputes you have submitted. 

If you have any further questions, please feel free to reply back. 

Onward and Upward, Gemini Credit Card Support Dispute Resolution '' It appears that Gemini doesn't seem to understand they are applying the same charge against my account twice, and I am not able to get through to them!
Product: Credit reporting

I recently had a credit card cancelled due to information in my Equifax report. I have attempted to request a copy of the report through the Equifax web site, and find that although Equifax claims that you can request a report under these circumstances from the site, it is difficult or impossible to do so and Equifax steers you toward purchasing a report. Information on how to obtain a free report through the site is hard to find and results in broken links when you do find it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX : 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 : 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.