23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I ordered XXXX and XXXX XXXX last year and pay the final bill back XXXX and there saying I owe a bill.of XXXX, I never received a bill, because I owe no money to them and it says I owe by XX/XX/XXXX of 2022, it wrong, I don't have XXXX no more because i moved in XXXX to a place called XXXX XXXX  on XXXX XXXX XXXX in XXXX and my old address was XXXX XXXX XXXX on XXXX And had no bill send to me until XXXX, I'm not going pay for a bill I didn't make and in collection now with XXXX and have money to pay this bill, because I'm XXXX and can't afford because I can't work to much to pay it and can't find a job okay and shouldn't have pay for some thing I didn't make okay, thank you for reading this note XXXX XXXX, I WOULD LIKE YOU CALL ME AT XXXX XXXX XXXX AND DISPUTE THIS BILL, WHICH I CANT PAY FOR, WHICH IS RUINING MY CREDIT
Product: Credit card or prepaid card

My information was stolen and misused as a result of virus on my computer.
Product: Debt collection

Columbia debt recovery LLC DBA Genesis has on my credit report a collection status for a balance that according to them i owe the following to copperwood apartments : Original Balance : {$510.00} Current Principal : {$510.00} Interest Due : {$13.00} Total Due : {$520.00} It might be more since its accuring interest. 
I have asked Genesis for Validation of debt and they havent provided me with proof that this is actually mine. They only sent me a contract. The contract doesnt validate this debt since according to genesis this amount is owed for some moving expenses for a toilet paper holder and a tub- Which i do not recall and have asked them to prove to me this debt. They did not respond to my letters or emails. So i need help getting this resolved since it is messing up my credit report real bad.
Product: Vehicle loan or lease

In XX/XX/2022, someone opened an auto loan through Bridgecrest under my name. The initial balance was {$27000.00} to be paid over 72 months. 
They did 11 credit checks with my information. 
They had on time payments for XXXX, XXXX, and XXXX. They did not pay XXXX or XXXX. They paid XXXX, then missed XXXX, XXXX, and XXXX payments. This resulted in a repossession in XXXX. The amount past due was over {$27000.00}. 
The auto loan, credit checks, multiple late payments, and eventual repossession have caused extensive damage to my credit score. 
I, XXXX XXXX, am in no way associated with this account or its payments or credit checks. I have no idea what car was even purchased with this loan.
Product: Credit card or prepaid card

I applied for a Jetblue Plus credit card in XXXX of XXXX and was approved. The promotional offer was 60,000 bonus miles which I have never received. I met and exceeded all the requirements for their promotional offer. I contacted the Barclay 's via their banking website used to make payments, view statements, etc. There is a specific link labeled " contact us '' which I used on XX/XX/XXXX and asked for statis of my sign-up bonus. No response to this day. On XX/XX/XXXX I sent second message with same inquiry and again no response even though they state quick response. As of XX/XX/XXXX there has been no response whatsoever. I contacted their phone number for customer service and was advised I to put my request in writing and the address to mail my request was the same address on the reverse of my billing statement. I sent my letter XX/XX/XXXX with added expense of proof of delivery. I did receive a response dated XX/XX/XXXX and I quote " We are currently unable to complete your request '' so in essence they can not honor their promotion. It was suggested that I call the phone number on the back of my credit card which I did and with great effort convinced one of their representatives to open case. I was told within 30 days I would receive a response, I have not. On XX/XX/XXXX I called customer service again and was told my case was still pending and " maybe a few more billing cycles will be needed. I asked him what if I never hear back his response was just wait. Help! Thank you
Product: Vehicle loan or lease

i send 5 certified mailed notice into this third party XXXX XXXX  American credit acceptance about who and what person contacted them to take over the financing call for the XXXX XXXX  and the sent me nothing that was related to what they should have for a third party XXXX. i have attempted to ask them for proof of payoff and evidence of signed documents. they failed to produce all contracted information! 

and when i asked who sent my information to them for processing they said the dealership and the dealership explained the only XXXX XXXX XXXX XXXX holds that information. and when i explained that the vehicle has issues the at both ends failed to take the vehicle back to fix 's the issues and non im stuck with a XXXX  that may blow up on me and has electrical issues and transmission issues. 

XXXX XXXX XXXX and XXXX  i send information to all parties to have it review. 
i paid XXXX down with the acceptance of contract of rate of issued payment from XXXX XXXX XXXX XXXX and now this company took over without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion/XXXX to dispute incorrect information in my credit file and they refuse to let me dispute the false information. They never sent me a frivolous notice stating that my disputes are frivolous. Even though this is a new situation I'm disputing Transunion/XXXX  still denied me the right to dispute inaccuracies in my credit report. My credit score fell by a 100 points because " XXXX '' keeps sending Transunion/XXXX  negative updates everyday even though I closed my XXXX account. I advised Transunion/XXXX  that displaying false information in my credit file is illegal in the United States but they have the attitude that they are too big to care or they are getting paid by XXXX to display inaccuracies for profit.
Product: Credit reporting or other personal consumer reports

Hey you guys are report a late payment on my credit I was never late the month of XX/XX/year> I have proof my payment was made in XXXX of XXXX  please correct this it harming my credit file.
Product: Debt collection

I do not have the dates of alleged information and I was not given any breakdown of fees and treatments
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. 

Account name : XXXX XXXX # XXXX, Account name : XXXX 's # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX  # XXXX, Account name : 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past week ( since Thursday XX/XX/2022 ) I have been reaching out to Equifax trying to fix a credit error XXXX  on my credit report. My credit was ran by a potential apartment complex that I am trying to move into and the credit error was sent back which has put my application on hold. The first time I have spoken with Equifax, I was transferred to a specialist where I gave my verification documents via XXXX and was told that they would call back after XXXX hours. I never received that call. I have called Equifax everyday since then and have been giving the run around. This issue hasnt been solved yet
Product: Payday loan, title loan, or personal loan

COMPANY - ACE CASH EXPRESS RECEIVE THREATING PHONE CALL A WEEK LATER AFTER RECEIVING MY LOAN ONLY GAVE 11 DAYS TO MAKE 1ST PAYMENT INSTEAD OF 30 DAYS THAT IS REQUIRE BY LAW Illegal Debt Collection Threats and Harassment PUSHED INTO A CYCLE OF DEBT Threatening to charge extra fees and report consumers to credit reporting agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and written several certified letters to Equifax about the fraudulent inquires on my report still they refuse to deleted them
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XXXX, XXXX, Quicken Loans pulled my credit report without my knowledge or authorization to do so. I found out just this year, XXXX, that the inquiries were on my report and I got a hold of Quicken Loans immediately. They asked for a letter from me stating that I did not authorize such a credit pull, which I provided. I want disciplinary measures taken toward Quicken Loans and the mortgage loan officer who pulled my credit report twice without any sort of authorization by me whatsoever. They fraudulently obtained my credit information without my expressed consent and there should be repercussions. I was told today, XX/XX/XXXX, by XXXX XXXX, representative for Quicken Loans, that the inquiries will be taken off my credit report with no direct date of this noted. XXXX did take XX/XX/XXXX, off because it was a repeat of the one Quicken also pulled on XX/XX/XXXX. As of this date, the pull on XX/XX/XXXX, is still on my credit report.
Product: Credit reporting or other personal consumer reports

I AM QUESTIONING THE INTEGRITY AND CREDIBILITY OF YOUR RESPONSIBILITY THAT I CAN DEPEND ON YOU FOR THE BETTERMENT OF MY FUTURE. BUT ON THE CONTRARY, YOU ARE THE ONE DRAGGING US DOWN TO OUR AGONY. YOU CAN NOT JUST DECIDE WHAT YOU WANT! I FOLLOWED YOUR STEPS TO PROVE MY INNOCENCE!!! I DONT DESERVE TO BE IGNORED!!! YOU HAVE TO REMOVE THESE FRAUDULENT ACCOUNTS!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your refusal to act in the face of substantial evidence undermines not only my financial well-being but also the trust that the American public has vested in credit reporting agencies like yours. It calls into question the very authority with which you operate and raises doubts about your commitment to upholding the standards of accuracy and fairness in the credit reporting system. 
I demand an immediate and transparent justification for your refusal to block these fraudulent accounts. Your reasons for denial must be clear, substantiated, and based on irrefutable logic. It is your responsibility to ensure the integrity of my credit report, and your refusal to take action is a clear dereliction of that duty.
Product: Credit card or prepaid card

My balance shows I have enough to make a purchase but the my card keeps declining
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed inquiries that are not mine. 

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 XXXXXX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX, I received a notice from XXXX XXXX that " Capio Partners '' had disclosed an account from XXXX University XXXX XXXX for {$420.00} up for collection, opened onXX/XX/XXXX. I have never received a call or a letter from them saying that I owe this amount at any point in time, and disputed the error several times via XXXX  using XXXX XXXX. I still have not received any mail or calls referring to this matter from them, and therefore can not be sure of its validity or that it is even my debt in the first place.
Product: Credit reporting or other personal consumer reports

I discovered an unauthorized hard inquiry on my credit report. I did not apply for any credit or authorize this inquiry. I contacted creditor, but they refused to remove it, claiming it was valid without providing proof of my authorization. This violation of the Fair Credit Reporting Act ( FCRA ) has negatively impacted my credit score.
Product: Mortgage

This involves a transfer of my mortgage between two companies. XXXX XXXX sold my mortgage to NewRez. They are including an escrow of {$29.00} to be paid but they cant provide information to what is for. I called NewRez on XX/XX/XXXX and was told that was an error and he would talk to his supervisor to correct the mistake and if it was not removed to call them back. Well it was not. I again called them on XX/XX/XXXX and spoked with another person and hardly was even able to understand what he was saying. In conclusion he said is an escrow from XX/XX/XXXX that I had to pay to XXXX XXXX and that I have to call them to find out why. That I still have to pay NewRez even if I appealed I have never had taxes or home insurance in escrow, never received a letter that I owed them anything. He also said he would send me an email with all the information but I never received anything. I called XXXX XXXX and the person that answer was very professional and she looked at what was happening. She said there was a charged of {$30.00} from XX/XX/XXXX from a lender. That was the time I was working with my home insurance to get payment for the hurricane damaged from XXXX, XXXX, XXXX and they received the money from XXXX XXXX and they had the money in escrow, for months. Still I had never received a letter from XXXX XXXX that I had any outstanding bill or due money to them. This is new to me and someone could have made a mistake. If this due money is correct then I would think I have a right to find out what is this for. I cant see how this NewRez debt collector is imposing this on me. What are my rights here and since Im on Social Security with limited income I should be able to resolved this. Maybe {$29.00} is not much for them but it is for me. Im not sure Im forgetting anything else to include here. Please advice what I can do to protect my rights.
Product: Checking or savings account

ON XX/XX/22 i had a withdrawal made from my account for {$7500.00}, The bank statement shows this withdrawal was made at a branch ( Wells Fargo ). When I received the statement & found this transaction I called the bank to report theft fraud immediately, I did not withdraw this money from my account Im very methodical pay my bills by check & us mail. I believe my information was hacked thru my XXXX I had a strange interaction with my computer & mobile phone I reported this to my bank & filed a report & claim. I never heard from Wells Fargo this has been very frustrating I continue to get the run around & stone walled?? I dont understand why no investigation no police involved nothing was done to return my money nor offered an explanation. Im writing you because I was just informed to report to your organization & several others to assist me with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiry XXXX XXXX date XX/XX/2023. Unauthorized ( XXXX XXXX XXXX XXXX XXXX ) The FCRA states all information listed on credit reports should be accurate,
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. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is reporting a lot of inaccurate and negative information on my personal credit report. I have attempted to dispute several times with them continuing to defame me. Along with the various companies that are attempting to extort payments on alleged debts. These companies have used my credit card number improperly and unlawfully. They are defaming me on a daily basis with negative and inaccurate information. From fake names to fake addresses. To just plain old negative information. I have attempted many times to resolve these issues with billing errors, alleged debts, identity theft, and the continued violation of privacy afforded to me through various federal and state laws. I feel attacked and defamed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to talk to a real person at Experian in order to ask questions that I can not find the answer to online concerning my application for a security freeze through them, but there is no way to contact them. They have no phone number that allows for you to speak with a real person, best I can tell, as their main phone just directs to automated services and nothing else. They have other services with phone numbers, but those are specific services that I 'm not interested in using. They have no email or similar contact method. This is absolutely absurd for a company that I need to get in touch with about the security of my personal information.
Product: Credit card or prepaid card

American Express added on features products that I did not activate or agreed to, such as pay overtime features ect. The XXXX XXXX XXXX XXXX made errors to billing statements as in my billing statements they made an error of over charging me a new balance charge of {$4400.00} from a XX/XX/ pay overtime in which my pay overtime balance should have been XXXX balance and by them not correcting the error it continue to accrued excessive APR -interest rate fees from XX/XX/ until the present, which is falsely wrong, therefore I have been paying interest fees and false late fees on a false balance for over 2 years. This is an over payment on a false billing statement balance. Due to American Express arbitration policy and due to their error Im due for statutory damage payment of {$5000.00} dollars. Im asking for them to settle, because Im really taking the loss in the amount they made in error and applying false late fees that triggered increase in APR rate fees.please review the XX/XX/XXXX threatening letter for payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate informati

on showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 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 1692C Without the prior consent of the consumer given directly to the debt 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. 


XXXX Name : XXXX, XXXXXXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Name : XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX # XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX Equifax Employers : XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX & XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX. 

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

I have disputed the student loan account with Experian for several attempts to no avail. Student loan is a government funded entity, thus, only private accounts should be on a credit report. These student loans has been reported multiple times which is illegal. CFPB, please step up and delete this ASAP, this is very disappointing and is affecting my credibility for loan applications.DEPTEDXXXX XXXXDEPTEDXXXX XXXXDEPTEDXXXX XXXXDEPTEDXXXX XXXXDEPTEDXXXX XXXX
Product: Credit reporting or other personal consumer reports

I want the fraud alert on my file to be removed as soon as possible.
Product: Prepaid card

I received XXXX ( XXXX ) {$100.00} Amex XXXX XXXX ( {$200.00} total ) for XXXX this year. Card/Account Numbers can be provided if needed. I have tried to use the card XXXX XXXX in multiple locations but it does not work. I can confirm that there is a credit balance of {$100.00} on each card. American Express customer service sites security protocols to protect the consumer and says that there is no issue with the card. 

After this happened I looked into this a bit more, and came to find out that this is a common occurrence and XXXX  other people have been effected by the same or similar issues. I am hoping that by filing a claim this will force Amex to rectify this issue. I would also like to get compensated for the money that was spent on the gift cards. 

Until American Express resolves this issue with their cards, no one should purchase them.