23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have sent Kimball and St.John documents numerous times stating someone used my social security number and name to open a fraudulent account including a police report. I have never lived in American and do not know of any accounts yet Kimball and St.John refuse to honor my ID, the police report and letter that were sealed and notarized from Federal Trade Commission
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been consistent with paying my bills on time. I am saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I did not understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report. XXXX XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX {$830.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00} XXXX XXXX {$6500.00} XXXX XXXX {$4100.00} XXXX XXXX XXXX {$330.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$830.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted these companies on why my report was pulled without my authorization and they state they can not give me any information. These include XXXX on XXXX, XXXX XXXX on XXXX, XXXX and XXXX, XXXX on XXXXand XXXX, XXXX XXXX XXXX on XX/XX/XXXX and XXXX, XXXX XXXX XXXX on XXXX, XXXXXXXX XXXX XXXX on XX/XX/XXXX.
Product: Debt collection

I have requested verification of the debt National Recovery Solutions LLC claims that I owe on XXXX separate occasions. They have failed to send anything other than a requests for payment. They once sent me a collection with double the amount the original collection said. This company runs on an unsecure website and expects you to put your personal and card information, no thanks. Past that, they can't prove debt owed. The only " verification of debt '' sent to me was an amount {$6000.00} less than what they are claiming I owe, which that debt has been settled with the appropriate facility. 
At this point this company is assumed a complete and utter fraud. Unsecure site, refusal/inability to verify debt, and different collection amounts being sent at different times ranging from $ XXXX {$16000.00}. This is harassment and against the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX  XXXX XXXX account # XXXX and 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 602 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I called Barkley Witt and assoc.on the XXXX initial contact and the collection rep did not disclose the attempt to collect a debit and I called again to get a break down on what was owed and the rep was very rude and hung up in my face before I could give home the reason on my call, I called again and he gave me my balance and did not disclose again.
Product: Credit reporting or other personal consumer reports

I am contacting you regarding discrepancies found in my credit file. Upon careful review, I identified accounts that do not belong to me. These errors are negatively impacting my financial prospects, and I request an immediate investigation. 
As outlined in the Fair Credit Reporting Act ( FCRA ), I have the right to challenge any information that is inaccurate or can not be verified. 
Please review these disputed items and provide supporting documentation proving their validity. If verification is not possible, I request their immediate removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries done by XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ON XXXX, XXXX XXXX  were not authorized..I have never been contacted by this company either which leads me to believe that is all some sort of error. Please look into this matter for me and delete this information or provide me with documentation that proves this inquiry was authorized or delete it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX of 2017, I lost my wallet and my personal information was used fraudulently. I received notification from many sources such as my personal bank and other cards that my credit cards and other information was being used with out my knowledge. Upon this notification, I immediately contacted my creditors and banks and made them aware. Most creditors canceled the card and issued me a new one. On XX/XX/2017, I notified XXXX/XXXX  ( XXXX XXXX XXXX ) Card XXXX about this issue and I closed the account at consumer 's request. They then sent me a statement with the fraudulent charges to pay. This account is currently still on my credit reports as a charged off account as I refused to pay for fraudulent charges. I have disputed this account with all 3 bureaus, sent documentation to include a police report and only XXXX has deleted the incorrect account. XXXX and Equifax continue to report account is verified and validated. When I asked for proof of validation, XXXX XXXX XXXX sent copies of the charges. This is not an acceptable source of validation! These charges were not by me nor were they authorized. This is a violation of my Federal rights as my credit history is being tarnished by erroneous and inaccurate information that is to be deleted from my credit file and the creditor has not validated the debt.
Product: Credit card or prepaid card

XX/XX/XXXX. 2020 - I received a text stating {$1100.00}, had been applied to my debit card for child support. Since it has been two decades since I have received any child support payments, I called the local child support office. They verified yes - I had received my ex-husband stimulus check to be applied to his arrearage. I informed the customer service rep I did not have a debit card. She provided me with the EPPI card customer service telephone number ( XXXX. ) XX/XX/2020 Placed a call to customer service @ XXXX XXXX., after being on hold for XXXX hour XXXX mins. I was informed a card was mailed to me yesterday XXXX XX/XX/XXXX ) and I should receive the card with 5 - 10 business days. 
XX/XX/2020 - Placed a call to customer service @ XXXX XXXX, after being on hold for 51 minutes. Again, I went through the verification process. The rep informed me to wait until Wednesday, XX/XX/XXXX, this will conclude the 10 business days. Also, stated sometimes it take longer to receive the card. I asked about the expedited overnight service I was informed about on XX/XX/XXXX. He stated there will be a day or so delay before they could process another card. The service is not overnight - it is a two ( 2 ) day service. Also, there is a {$14.00} fee associated with the service. 
XXXX XXXX - As of today I have not received my card. 
XX/XX/2020 Talk to a representative from the State of Georgia child support rep. Stated there is nothing they can do. EPPI card is a third-party processor who operates separate of the State. The rep suggested I go online for my case and sign up for direct deposit into my checking account in case I receive additional funds. 
This is scandalous. " XXXX XXXX '' in need of funds and this company giving parents the run around. Glad my children are adults now - but what about the ones who really need the monetary relief. 
Concerned & confused - how can this be tolerated. Georgia 's XXXX  is loaded with unanswered complaints : https : XXXX. Another tidbit -- EPPI Card, they charge a fee for customer service calls. XXXX per each call to the Georgia Customer Desk. Deployable!!!!!!!! 
I want what I am entitled. In this pandemic and uncertainty every drop fills the bucket. EPPI Card Services need to be investigated.
Product: Bank account or service

Citibank changed my account type with a monthly fee of {$25.00} XX/XX/XXXX. Since that account is dormant, I did not notice until XX/XX/XXXX. They ripped me off {$200.00} for absolutely nothing and I have no way of recouping
Product: Debt collection

Midland credit management is notorious for slandering credit reports with false information, and using unlawful business procedures and harassment to attempt to collect debt. I have received numerous phone calls at all hours of day and night, in addition to letters sent to my parents house ( where I have not lived for over 4 years ). I demand that they remove the collection account they are incorrectly reporting on all XXXX of my credit reporting agencies ( XXXX, XXXX and XXXX ) immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to complain about Discover Card and that company 's persistent attempt to report derogatory information to XXXX  and XXXX. The account in question ends in XXXX. This account was opened in XX/XX/2014. The credit limit on the account was {$4000.00}. Immediately upon receipt of the Discover Card, the identity thieves ran {$3900.00} debt. On XX/XX/2014 an {$80.00} payment was made. There was never any other payment on the account. There were 3 other minor charges made on the Discover Card. There were no other charges or payments made thereafter. 

Discover Cards own records indicate that the account was opened in XX/XX/2014 and closed XX/XX/2014. The entire lifespan of the account was less than 60 days. It is patently obvious that the identity thieves used the account for a very brief time before it was discarded. 

This is indicative of an identity thief using the card for in a rapid fashion before discarding same lest they be caught. The identity thieves appear to have utilized this for their own personal gain. The end result was that my information was compromised thereby resulting in these derogatory remarks in the XXXX  and XXXX  report. 

Further, this address associated with this account is XXXX XXXX XXXX XXXX California XXXX. This address does not belong to me. I have never had any relationship with the XXXX XXXX address. I am attaching my driver 's license demonstrating that my address is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX.
Product: Money transfer, virtual currency, or money service

Venmo limited my account and refused to lift the limitation and I still have fund of {$830.00} in my available balance and they are refused to fund me my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXXy Date Filed/Reported : XX/XX/XXXX Reference # : 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

Consumer Reporting Agency are reporting account negative/late that are pending litigation through arbitration. All negative reporting such as late payments for account # XXXX XXXX XXXX XXXX listed on consumer report must be removed. Please delete late payments and remove account. Consumer reporting agency are continuing to sell account information that is in arbitration pending litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$16000.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I initiated contact with Experian regarding inaccurate information present on my credit report. Despite my inquiry, there has been no response from Experian to date. The following details outline the inaccuracies and the necessary corrections : Account Information : Creditor : XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$400.00} The indicated account has never been overdue. Please rectify this erroneous information promptly on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

whom it may Concern, I recently received a copy of my credit report and found that you illegally reporting inaccurate, noncompliant, and false information about me. The Following alleged account is listed as a collection with a PAST DUE BALANCE, Account Name : AMERICAN EXPRESS Account # XXXX PAST DUE BALANCE OF {$6200.00} ( inaccurate please delete )
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score was reduced 133 points due to action taken by XXXX, because a loan payment was over 90 days late. Previously, XXXX had not given me written notice of upcoming or late payments for this loan, and also did not give me any such information when I called them. The loan payments are now current. The loan would never have become overdue if XXXX had given me written notice or provided me with the necessary information any response to my telephone enquiries. 

XXXX claims to be unable to do anything to have the bad mark on my credit removed. 

Equifax, a credit score service, told me that it was possible to get the bad mark on my credit removed, but the bad mark would then be transferred to my son 's credit report ( the loan at issue was for my son 's benefit ). 

I feel that XXXX has been unfair and abusive to me. It is no wonder that XXXX has been sued by your agency. Also, I feel that Equifax has also treated unfairly and unhelpfully. 

Any assistance this agency can provide would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I sent a letter to XXXX to validate a debt that they have placed on my credit report. I have never spoken to thus company, nor I have I received any collection notice in writing, by email or phone. which violates FDCPA. 
It has been over 30 days and they have not responded to the validation letter that I sent to them,
Product: Mortgage

Prior review to a compliant that I had received a check due asc put forced insurance on me when I had homeowner insurance asc was getting kick back by place every client on forced insurance and there was class action suit well I was told since I was under review the money went back to escrow since my house is sold during a review the week XXXX day prior I sent doc of course missing doc, I want my check that due to me, next issue the bank was using a higher appraisal then discover after the fact there was a lower appraisal by XXXX lower and admitted that they should have use that after the fact that discrimination the that I 'm XXXX and my son is XXXX between all income totals up XXXX XXXX dollars a month so I was n't sent a letter of the sale date prior to it happening and suppose a there were deadlines where the letters stating that where the copy requesting a postponement of sale date to there lawyer, I was told over the phone that is n't legal and when I asked about the escrow I was told I do n't get it back, I do n't place the force insurance I had insurance that was paid for I want that money back asap they promise XXXX Mos of good credit history never happen
Product: Checking or savings account

Mercari wont let me open an account, according to their system there is one with my information. I have never opened an account with any of them.
Product: Debt collection

collector is not licensed in Az collector has my personal information including my social security totally illegal
Product: Credit reporting, credit repair services, or other personal consumer reports

ON  XXXX / XXXX / XXXX   XXXX  Bank reported me to Chexsystems for suspected fraud activity and closed my bank account. About 8 months later due to moving, I had another bank account at another commercial bank that I decided to move to another bank so I closed the account and went to the new bank tried to open a checking account and Due to the ChexSystems report from  XXXX  Bank, I was unable to open a new checking account When I found out that  XXXX  placed me in the Chexsystems I contacted them via phone and paid them {$690.00} on  XXXX / XXXX / XXXX  that I did not know that I owed them and requested relief from the Chexsystems report. That  XXXX  never came.     on  XXXX / XXXX / XXXX  I wrote them asking for the report to be deleted because  XXXX  Bank  XXXX   XXXX  to Chexsystems the suspected Fraud was accurate and Verified it as accurate to my dispute with ChexSystems. on  XXXX / XXXX / XXXX  I have requested specific documentation of the alleged fraud how such fraud was committed, Documentation and proof of me doing suspected  XXXX . Documentation of how such said suspected fraud was committed. I have also asked for  XXXX  Bank to give me  XXXX  Banks Chexsystems Reporting policies of how they report customers to Chexsystems and the procedures they must follow. To Date, I have gotten Nothing From  XXXX  Bank.     It 's now  XXXX / XXXX / XXXX  and demand relief from  XXXX  Banks Report of me in Chexsystems.
Product: Debt collection

Portfolio Recovery left Voicemails on family members cellphone for me voicemail clearly states that the phone they left message on doesnt belong to me and belongs to my sister as her name is on voicemail. I work in collections where I work we are not allowed to leave voicemails for borrowers if their full names are not on the voicemail because we do not know who has access to the phone. When we leave voicemails we also only leave general messages requesting a call back.
Product: Credit reporting or other personal consumer reports

THIS COMPANY IS REPORTING INACCURATE INFORMATION TO MY CONSUMER REPORT
Product: Payday loan, title loan, or personal loan

Good afternoon- I am writing because I honestly think this company has been scamming customers- The caller ID identifies them as " scam likely '' I got a payday loan in XXXX of 2017, XXXX- I have had this company take out the wrong amount-they claimed that they " neglected '' to activate the notification that would allow me to have a reminder before they casually took my car payment, when I was only expecting a XXXX payment- I know I have since repaid this loan yet they continue to say the interest rate is charged for every day this loan goes unpaid? How do I ever get this repaid if they charge me daily for some revolving interest-sounds highly suspect to me?
Product: Credit reporting

I am not liable for the XXXX XXXX Account # XXXX. It is my husband 's account. I filed Bankruptcy on XX/XX/XXXX and it was discharged on XX/XX/XXXX. I currently should not have any Charge Offs on my credit file at all. The date the first major delinquency occurred was in XX/XX/XXXX for my husband 's account. Instead, XXXX XXXX chose to place the date of filing to re-age the debt this is illegal. They are also furnishing erroneous information disputed to the Credit Bureaus intentionally a violation of my rights under the FCRA. They are showing a Charge Off with a balance due on an account that was my husband 's included in his bankruptcy filing trying to make me responsible for his debt. The attached dispute is the XXXX one is over XXXX days. XXXX XXXX verified the information on the report as valid when it is not. Multiple legal violations of FCRA and of my Chapter XXXX injunction, intentional misrepresentation of a debt to attempt to collect. They added the account after my husband filed for bankruptcy in an attempt to collect the debt - reaged the account and in violation of the bankruptcy injunction for myself are showin 10000+ owed and a Charge Off. This is illegal as is re-aging the account which they also have done. Disputed for the XXXX time after XXXX days with Equifax.
Product: Checking or savings account

On XX/XX/XXXX, I opened a Commerce bank checking account that offered a {$200.00} bonus for accounts opened before XX/XX/XXXX. The offer terms stated, " Get {$200.00} for opening a new Commerce Relationship Checking account. '' The offer also stated that I needed to provide an offer code when opening the account, and I provided the XXXX offer code. The fine print also said that my account must be in good standing for a full 90 days after opening. A couple weeks ago, I received a letter in the mail, dated XX/XX/XXXX, stating that my account was being closed for inactivity. My account was only active for 31 days, which does not seem like an unreasonable amount of time for no transactions to occur. I called Commerce to ask about it, and they initially said that didnt sound right. Last week, I received a call back, and the rep told me that Commerce Bank routinely close accounts set up online that dont have activity. My account was closed by Commerce Bank on XX/XX/XXXX. Since my account was closed before 90 days, I did not receive the {$200.00} bonus. 

The representative I spoke with told me I can keep my account open if I visit a branch. There are no branches near me, which makes visiting a branch hard to do. Commerce Bank allows online applications and allows accounts to be set up by residents of Illinois, so I find it unreasonable that I had have to visit a branch. It is dishonest to hold my {$5000.00} account deposit and earn interest on it, but then close the account after six weeks in order to avoid paying me the {$200.00}.
Product: Money transfer, virtual currency, or money service

{$54.00} XXXX ordered 8 cans of XXXX. They claim it was delivered on XXXX XXXX. I never received it. PayPal denied my purchase protection because the merchant says they delivered. My post office reviewed the tracking and tell me it's not valid. I click on tracking box and it goes to PayPal saying oops or something wrong. The post office say they get a lot of scam tracking as it comes from XXXX. PayPal is supporting this scam. Also XXXX is not providing any cans so how are they able to send me 8 cans. They are preying on our desire to fight covid-19 and take the money without sending the product. This is a crime. 
I just noticed PayPal changed their denial of refund and putting {$54.00} in my account. This proves something is not right. I told them I would be reporting them to you. This may have forced they decision.
Product: Debt collection

My employer received a fax from Western Shamrock manager, XXXX, located ad XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX OK, asking for employment verification and garnishment information. I have not been served with any documents or information concerning a garnishment.
Product: Debt collection

They call multiple times even when told not to call, when they call they always have someone else call and say they are from a different department, they get loud over the phone and very rude, threatened to take money from my bank and work even though I had n't received any paper work on a court issue.