23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX states that I broke terms of my contract by terminating my service before the contract timeline was over. I was never in a contract with XXXX XXXX. I was on my mothers phone plan and took my phone number over to my own account. In the process of doing so I was told when this happened that there was no contract nor did I sign any physical documents. I never signed any contract for the phone service that they are trying to collect debt for. I paid all of my appropriately owed bills in full. The amount they are requesting that I pay was described as an early termination fee of XXXX. I denied to pay this fee as I nor they could provide me any records or evidence that I had signed a contract with them. I contacted XXXX several times as well as the local XXXX store I was established with and received no help nor formal documents of my contract. They eventually sent my account to collections. I was contacted by North Shore Agency - a collections agency - to collect the debt I supposedly owed. I contacted north shore agency via mail and told them my story that this debt was not valid and I was never under contract. They looked into the issue and were also unable to obtain any information/proof from XXXX that I indeed owed this debt. They sent me an apology letter and told me unless I was contacted by them It would be dropped. I have never heard any information from either XXXX nor the collection agency regarding my debt for a little over a year now. I have records of the communication between North Shore Agency and I about this issue. However, this is still on my credit report and is effecting my score. I am complaining to have this mark removed.
Product: Credit reporting or other personal consumer reports

Its XXXX inquiries on my transuion report please remove unauthorized transactions misleading information and denying access
Product: Mortgage

Started with a debt collection letter on XX/XX/19 stating I owed {$87000.00}. XX/XX/19 debt collection letter stated I owed 3 months of mortgage payments. I called the Collection Agency XX/XX/19 and gave them the check # 's and dates paid and dates they cashed them. From what I am told, Hamilton Group Funding does not keep the mortgages and outsources them. I also had sent an {$80000.00} payment in XXXX to be applied to the principal.The new company is " XXXX '' located in Illinois. I have received several " Harassing '' phone calls from debt collectors demanding that I make payments that I have already made. I am now being told in a phone call XX/XX/19 by a supv named XXXX that I am behind 1 month. I emailed them ( XXXX ) a statement from Hamilton showing payments they received thru XXXX. On a phone call today with XXXX, I requested a payment history and phone calls and was told I need a subpoena to get my records. I am concerned that they have submitted my name to the Credit Bureau and also charging me late fees. I have copies of all the checks both front and back showing they received and cashed in my payments.I am a senior citizen and have found dealing with this company very stressful. My XXXX XXXX is off the wall. I call and ask for supervisors but they never let me talk to one.
Product: Debt collection

This morning I was rudely woken by Unifin XXXX XXXX  I told them that after 7 years they have no right to continue to reach out to me, and the representative has the continued right and will continue to call me until it's fully resolved, they also believe that its back in XXXX, I haven't had a XXXX account since XXXX. 

Date : XXXX for XXXX  debt, but the debt is from the late XXXX, early XXXX, so the information is inaccurate. 

Amount : {$3100.00} Actions : Will continue to harrass me until satisfied.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - LENDING TREE every week for the last month - XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 has attempted to review my credit history. 
I NEVER CONTACTED THEM NOR HAVE ANY CONTRACT WITH THEM TO PULL MY CREDIT REPORT. Lending Tree is committing fraud by pulling credit information randomly picking names without any approval from the consumer. Please force cease and desist order. Thank you.
Product: Credit card

I received a letter from Synchrony Bank, dated XXXX XXXX XXXX denying a credit card application for a PayPal Credit Account that I never applied for. It stated that I requested to open an account on XX/XX/, which I did not do.
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, XXXX XXXX, and XXXX XXXX All have 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. 


XXXX XXXX XXXX Open balance {$900.00} Date opened- XX/XX/XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX phone XXXX XXXX XXXX XXXX XXXX XXXX {$750.00} Date opened- XX/XX/XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX Utah XXXX XXXX XXXX XXXX XXXX- Open balance {$450.00} Date opened- XX/XX/XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX- open balance {$330.00} Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Nevada XXXX XXXX
Product: Credit reporting or other personal consumer reports

Decided to take a look at my credit report and notice some fraudulent account listed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Signed up for {$4.00} trial membership, cancelled before the trial was over. 29 days later I have been billed {$14.00}. Hold times to cancel by phone are over 90 minutes.
Product: Student loan

Charged " Unpaid Fee '' of XXXX for 4 plus years. From XXXX to XXXX. Navient never told me that the fees were only going to need to be paid once, and at the end of my loan payments. I paid this fee for years and it never went toward any unpaid fee. It was being allocated to pay down interest. It did not even go towards the principal amount owed. I decided to ask about the fee after years of paying it, because I wanted to know how much more I owed in unpaid fees. I believed because I was being charged the fee every month, I must owe for making late payments in the past. Customer service informed that I did not owe any more in unpaid fees and that I did not have to pay it every month, yet I was never informed of this or told that it was meant to be a one time payment.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I sent my money to my own email address, I was trying to read their support page about sending money to own eamil address and it clearly state they will automatically refund within 30 days, I also emailed Coinbase straightaway and they reply and say the same as in the support page to wait for 30days ang they will refund me back, 6 weeks past still i need not receive the money i emailed them back again and they said to wait again for another 15 days, this is getting rediculous anymore! The amount was XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX an electronic payment was made to XXXX XXXX XXXX in the amount of {$930.00}. XXXX XXXX XXXX is one of the biggest banks that perform transactions on the weekends ( based on my experience ). I 've never experienced anything like this before. Apparently the Federal reserve does n't conduct business on the weekend which I did not know therefore not completing my traction until Monday? See attached documents from XXXX XXXX XXXX verifying when the payment was submitted/remitted and was submitted to XXXX XXXX XXXX asking to correct the reporting type. I have never been late with a mortgage payment. I need this removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 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

In accordance with the Fair Credit Reporting Act. XXXX Accounts below violated my rights 15. U.S.C. 1681 Section 602 A- states that I have the right to Privacy. 15. U.S.C. 1681 Section 604 A Section 2 - Consumer Report Agency can not furnish an account without my written instructions. Please see account below CHAPTER XXXX BANKRUPTCY - ACCOUNT XXXX XXXX. XXXX -ACCOUNT # XXXX XXXX  XXXX  XXXX  ( ORGINAL XXXX  XXXX  )
Product: Debt collection

Today, XX/XX/20, I received a letter from Commonwealth Financial Systems , Inc. stating that they are collecting on a {$250.00} medical bill from XXXX XXXX XXXX XXXX XXXX ; a hospital that i have never been to and have never even lived near. Upon researching the company, Commonwealth Financial Systems, I found that they have a long track history of opening false credit accounts or reopening settled debts and ruining peoples credit. I have always had medical insurance and paid my deductibles, this letter is absolutely an attempt to get money from me with a scare tactic.
Product: Credit card or prepaid card

I cancelled the credit card with capital one back on XX/XX/XXXX. They said I owed them XXXX  dollars. I said I send you money each month to be put on the credit card. I have notI have called them, emailed them with no reply to the problem. used the card after XXXX. I have contacted the XXXX, Connecticut attorney general and the Department of banking. they have not gotten any thing back from them. This is running my credit. Their address Capital One XXXX XXXX XXXX N.C XXXX On Card which I cut up my name printed XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried a number of times to resolve this issue with the creditor XXXX to no avail. They are reporting 6 late payments on each one of my 3 loans out of their office from the months of XX/XX/XXXX causing me to have 18 late payments reporting on my credit report despite any proof that I was in the repayment phase of my loan. According to official records obtained from the National Student Loan Data System there is nothing to show that I was in the repayment phase for the period of time reporting late. On the contrary, the NSLDS documents show that I entered repayment XX/XX/XXXX and forbearance the very next month XX/XX/XXXX where my account status remained until XX/XX/XXXX when my account went into repayment status again. This information is verified and supported by my account activity pulled from XXXX XXXX website ( which i have attached to this complaint ). Under Fair Credit Reporting Act Section 623 XXXX has a responsibility to furnish accurate information, investigate claims of inaccuracies, and update information determined to be inaccurate. I have included an excerpt of the section of the FCRA that has been violated by the inaccuracies being reported by XXXX. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the ad- dress specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information. ( 2 ) Duty to correct and update information. A person who ( A ) regularly and in the ordinary course of business furnishes infor- mation to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determi- nation and provide to the agency any corrections to that infor- mation, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.
Product: Credit reporting or other personal consumer reports

Company is reporting addresses that do not belong to me and have been unable to validate
Product: Credit card or prepaid card

I have XXXX credit cards with Capital one for about 5 years. A year ago I called to let them know that I was having financial difficulties as my husband had filed bankruptcy. They offered to waive late fees for 90 days, which they did, but told me that was all they could do. I closed both accounts that day. I continued making minimum payments, which covered interest and late fees, for about 9 months, until we were impacted by hurricane Irma. Being self employed and unable to work, I couldnt afford to make minimum payments anymore. I called them to notify them of my difficulties and told them that I could possibly settle with them when I get my tax refund. They never offered me anything. 2 days later, they reported 90 day lates on my credit, dropping my score by XXXX points!
Product: Student loan

I have a payment due in 2 days and never received an account invoice. The amount just appeared on my screen with a due date of XXXX. I thought I was supposed to start making payments last month but nothing ever auto withdrew.
Product: Credit reporting, credit repair services, or other personal consumer reports

CEASE AND DESIST I, XXXX XXXX, consumer, and natural person, am aware of all rights I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). Your company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable. Your company illegally reported private information and sold it to other reporting agencies, including XXXX, XXXX, and Transunion. I did not grant your company permissible purpose to report it, and I have not been notified that this information is being provided to the highest bidders. The alleged debt was during a time in my life of struggleXXXX XXXX issues, and XXXX  anguish. I have since sustained further emotional and XXXX  damages because of your company 's unfair and deceptive practices. I am currently rebuilding my life, but your companys willful disregard of my privacy and its reporting has damaged my character and is hindering my ability to provide for my family. As the consumer and natural person, I am invoking specified remedy and make the following demands : - Cease and desist reporting Account ( Acct # ) XXXXXXXX XXXX XXXX XXXX XXXX  {$9300.00} - XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY to your consumer reporting agency. 
- Remove reporting from all consumer reporting agencies. 
- Provide acknowledgment of this official notification that I am opting out of your reporting. 
Do not report ANY information bearing my identification. 
Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA. 
Regards, XXXX XXXX
Product: Debt collection

The company contacted my ex boyfriend giving him debt amounts and personal information of mine in XX/XX/year> XXXX
Product: Credit reporting or other personal consumer reports

XXXX banks I opened what I was told was a none credit reporting debit card I could put money on to use. After 2 months of having the account open 2 trade lines for this company were added to my credit report. I called the company to close my account and have the trade lines removed as they did not disclose they were credit cards. I told them that there was also two trade lines reporting. They agreed to close and remove trade lines but they only removed 1 and are insisting there isn't a second one when I can clearly see it being reported. They also updated it to a XXXX limit and an active account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Bank allowed fraudulent transactions and charges to all of my accounts repeatedly in 2019. I have provided all credit bureaus with the investigations of XXXX and XXXX XXXX Bank and XXXX Mutual investigations and DISB and, DC police report XXXX all that concluded that XXXX XXXX Bank was absolutely wrong actually contributed to the criminal unauthorized fraudulent transactions and charges by allowing the unauthorized fraudulent transactions and charges repeatedly throughout the year XXXX Credit Bureaus have XXXX information on several years provided by me but has not blocked XXXX XXXX Bank XXXX XXXX Credit Bureaus have not given me information that XXXX XXXX Bank has given to them that shows what they the Credit Bureaus are reporting. Accounts reporting by credit bureaus was not initiated by me with the limits or how the accounts could be used. All transactions were done not within the accounts abilities or limits that were in place mat the time of the unauthorized fraudulent transactions and charges we're done
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to remove the security freeze they put on my account without my consent. They keep sending me stupid items in the mail asking for more information. I REFUSE TO continue to respond to their stupid requests and demand that they immediately remove the security freeze. I have had enough of this XXXX XXXX company and am going to file suit in the United States District Court for the XXXX District of California unless they immediately remove the freeze.
Product: Money transfer, virtual currency, or money service

Today XXXX XXXX, I received a call from XXXX ( which I found out too late that it was a scam ) at XXXX call came from XXXX. The person on the other end told me that I was passed due on my light bill and this was their last attempt to contact me before they shut off my power. They told me that they needed {$330.00} today in order to keep my lights on and that XXXX had sent out a letter that needed to be filled out because they have a new way of processing now by using Zelle. ( I'm such a fool ). I sent the {$330.00} and then they proceeded to tell me that because I was delinquent that I needed to put down a {$500.00} deposit and will be reimbursed in 90 days as long as I stay current on my bill. They gave me a confirmation number and a phone number to send it to... XXXX. I just had a XXXX XXXXXXXX XXXX and I was on medication and was not thinking clearly.
Product: Vehicle loan or lease

I have had nothing but problems since the beginning of the purchase of this vehicle in XX/XX/XXXX. I was sold warranties for Honda to cancel. My husband and I decided in XXXX to pay off the lease and sell the vehicle prior to the lease-end term. The vehicle was paid off in full on XX/XX/XXXX ; the title was to be released and sent 10- business days after that as confirmed by several representatives. The title was not sent until XX/XX/XXXX ; 14 business days not including weekends and holidays. The title, when received was a title Honda reported lost ( title number XXXX ) the title was issued and reported lost by Honda XX/XX/XXXX ; the new title ( XXXX ) was issued on XX/XX/XXXX and is currently the VALID title for Arizona per MVD record. Honda currently does not know where the valid title is. I have sold the vehicle at this point ; I requested for a POA to be sent XXXX XXXX to me ; it was sent regular mail ; I then called back to have it XXXX 'd ; in which it was. However, the POA received is invalid as there are two names ( my husband and myself with my last name cut off stating " XXXX '' ) a valid POA can only have ONE person and then a subsequent POA for the other person. The MVD said Honda should know this and should have provided two POA 's one for myself and one for my husband that will allow us to transaction on the vehicle. I have requested multiple callbacks, no one has called me back. I have spent over 10 hours on hold for just the title issues, explaining to representatives and traveling to MVD. I may lose the sale of the vehicle I will hold Honda not only financially responsible for my time but for the loss of the vehicle sale. I just called again today to request VALID POA to be XXXX 'd overnight.
Product: Credit card

I signed up for the Hilton XXXX credit card understanding that there would be a {$200.00} statement credit every 6 months to be used at a XXXX resort property. In very small font on their Terms and Conditions page, it said any properties listed under XXXXhiltonXXXX  would be available to use for the {$200.00} statement credit. I chose a property on that list on XX/XX/2024. However, the statement credit never arrived, and I waited XXXX weeks to follow up since they said it takes up to XXXX weeks for the statement to arrive. I reached out to American Express, and the agent from American Express let me know that the website is actually something different : XXXX XXXX XXXX.hiltonXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX  and unfortunately, the property I stayed at does not qualify. The agent then said I should be able to use my credit. However, the credit expires next month and I have no plans to travel next month. The incorrect website was listed under the Terms & Conditions, and I believe this is misleading and false information presented to the consumer.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX This account is not mine XX/XX/XXXX XXXX Please verify that this is accurately reporting on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect.