23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

There is an account from a place called RENTDEBT AUTOMATED COLLECTIONS ( ORIGINAL CREDITOR XXXX XXXX XXXX ) for an early lease termination opened XX/XX/16 for {$2500.00}. 
IT IS NOT MINE. I HAVE NEVER LIVED IN XXXX OR EVEN VISITED. I DO NOT HAVE ANY XXXX DRIVER LICENSE. 
I have contacted BOTH the original creditor and the collection agency to ask for proof that this is my debt necause it isnt. I have asked for copy of social security card and driver license used to apply and process the application. Neither company has this information. all they claim to have is an application in my name and social security #. Anyone can fill out an application with your info but that isnt proof that it is my debt. I want PROOF of the identification used to open this account and they dont have it. 
I am asking it to ve removed from collections and removed from my XXXX credit reporting agency and XXXX XXXX and XXXX credit reporting agencies. 
I HAVE NEVER LIVED IN XXXX AND HAVE LIVED AT MY SAME ADDRESS IN XXXX  FOR THE LAST 9 YEARS SO IT IS IMPOSSIBLE FOR THIS TO BE MY ACCOUNT.
Product: Debt collection

I received a letter from HRRG claiming I owe an alleged debt. I do not have any contract with them. 

This communicaton is with reference to the alleged contractual relatonship, I have a right to an authenticated record of accounting of all accounts. I am not requestng a statement of account, for an authentcated record of the accounting. I am hereby disputng the alleged debt, and to require that you provide the requested information within the time allowed by law, which is 14 calendar-days. I do wish to thank you for your time in providing this information, which is readily available to you as the custodian of records, and/or the collective entity. Please note that each day beyond the 14th calendar-day of receipt of this communication I will BE assessing a {$33.00} per day penalty for your failure to comply and/or {$1000.00} per month, whichever is greatest. I have the right to this information as indicated by the Uniform Code. 

This authenticated record must include all tax filings ( including all 1099s, 1096s, and 1098s ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities associated with my financial record. 

As noted above you have a duty and/or obligation to respond with the appropriate information within the time frame allowed and or permitted by law, in conjunction with other related laws and/or statutes of limitations. Because this is associated with a debt that is being reported the following principles associated with my rights applies respectively, THE FAIR DEBT COLLECTION PRACTICES ACT, THE FAIR CREDIT REPORTING ACT, and/or THE TRUTH IN LENDING ACT.
Product: Credit reporting or other personal consumer reports

I did not authorize nor benefit from any of the following inquiries listed below. This is also a violation of 15 USC 1681 and goes against XXXXXXXX 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: Debt collection

On XX/XX/2020 I XXXX XXXX filed a complaint with your firm : Complaint Numbers : XXXX and XXXX. PHH MORTGAGE SERVICES HAS NOT RESPONDED TO THE ORIGINAL COMPLAINT YET THE CLAIM WAS CLOSED AND THE PROBLEMS ARE CONCURRENT AND UNRESOLVED. To date, I XXXX XXXX have not received a response from PHH Mortgage from PREVIOUS federal complaint. PHH Mortgage Services are still attempting to illegally foreclose on my home. As stated on XX/XX/2020, PHH Mortgage Services purports to be the servicer of my home loan. They claim in writing that XXXX XXXX owns my loan yet when I call to verify whom owns my loan ; PHH then claims XXXX XXXX XXXX XXXX. owns my loan. I have proof that neither XXXX nor XXXX XXXX owns my loan. ( attached ) PHH Mortgage Services then fires XXXX XXXX. as their foreclosure attorney and then hires XXXX XXXX XXXX as of XX/XX/2020. PHH does not have the authority to act as a servicer on behalf of XXXX or XXXX XXXX because ; XXXX and XXXX XXXX do not have interest in the loan/home. Wherefore, there actions are illegal and criminal. To be more specific these actions are considered illegal foreclosure, fraud and theft by taking. XXXX XXXX XXXX will received proof from me that XXXX does not own my loan. I also asked the firm to validate the debt. Their actions ( PHH Mortgage and XXXX XXXX XXXX ) could violate the FDCPA as well as the standard foreclosure procedures legally needed to foreclose on a home in the state of Georgia. In the state of Georgia ONLY THE SECURED CREDITOR CAN FORECLOSE. XXXX XXXX XXXX are aware of the laws that govern Georgia Foreclosures. I would like XXXX XXXX XXXX and PHH to prove that XXXX owns my loan prior to them attempting foreclose which is my right to know. It is also my right to verify that the servicer of my loan and their 3rd party debt collector are collecting on behalf of the creditor of my home loan. This also puts me at a disadvantage as whenever my wife and I TRY RELIEF PROGRAMS WE ARE DENIED BECAUSE THE ADVOCATION AGENCIES CANT VERIFY WHOM OWNES MY LOAN.
Product: Credit reporting or other personal consumer reports

i would like the following inquiries removed from my credit report because I did not authorize the following companies to pull my credit report. You are fine. Many of these are duplicates,. I also have a letter from my mortgage company saying that there was an external data breach. 
Experian reporting agency Companies. 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 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 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: Prepaid card

I purchased a {$500.00} prepaid virtual XXXX gift card on XX/XX/year>, from mastercardgiftcard.com ( " operated by InComm Payments in relationship with XXXX '' ). One of the advertised features is : " Endless Acceptance : Our gift cards can be used anywhere in the United States where XXXX debit cards are accepted. '' I tried to use the gift card to make a quarterly estimated Federal income tax payment at both XXXX and XXXX. Both websites only allow debit cards with an expiration year of XXXX or XXXX, but the issued card has an expiration year of XXXX. 

I contacted both websites saying they need to add later years for their accepted cards. XXXX said there's nothing they can do and to use a different card. PayUSAtax.com never replied. 

I contacted mastercardgiftcard.com ( owned by InComm ) with a complaint and asked to be re-issued a new card with a different expiration date ( i.e. before XXXX ). They said there's nothing they can do because the card is fine, and to use it somewhere else -- this despite the fact that the card is advertised as being accepted anywhere XXXX is accepted as noted above. 

I contacted XXXX to complain that if XXXX cards can be issued with an expiration year of XXXX, they need to enforce that all merchants who accept XXXX comply with this and allow said cards to be used. They transferred the call to InComm customer service without notifying me that they were handing the issue off to them, who repeated that they could not re-issue the card.
Product: Credit reporting or other personal consumer reports

These inquiries are unauthorized and I am victim of identity theft. 
XXXXXXXX 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

I dont know where this came from but it says something about your XXXX XXXX I dont even know what that is I never owed anybody XXXX dollars thats absurd then it says been purchased by XXXX XXXX I dont know what that is ether Im confused and I want it off my file Im not paying something that I didnt even do.
Product: Credit reporting, credit repair services, or other personal consumer reports

the account is XXXX its Experian that's reporting it as XXXX potentially negative in red on my account. i spoke to XXXX today at XXXX and she said XXXX is reporting it since 2020 as paid for less than amount of in settlement so she doesn't know why its reporting or showing me what it says on my end.
Product: Credit card or prepaid card

On  XXXX / XXXX / XXXX , I used the Credit Card to make a purchase for {$29.00}. The Credit Card due date was  XXXX / XXXX / XXXX . I paid off the {$29.00} on the due date and thought this was resolved. Fast forward to  XXXX   XXXX  and I began receiving calls from the bank that offers the card. I was told I owe {$88.00} on the card. I was very confused because I remember paying it off. I also had not been sent any letters via mail or email advising I still owed a balance.     Apparently, because I made the payment after  XXXX  on the due date (  XXXX / XXXX / XXXX  ) their system charge me a Late Fee after  XXXX  on the due date and subsequently posted my payment the following day  XXXX / XXXX / XXXX . Since then, they had been charging me late fees ( on the initial late fee ), and no one advised me this was happening. They advised they could not help me as it was my own fault for not knowing their company policy and I should pay my bills in advance rather than waiting until the due date.     I was left with no options by them so to resolve this nightmare, I closed my account with them while also paying the amount owed (  XXXX  ) I thought this nightmare would be finally over. Now on  XXXX  ( yesterday ) I received a call from them, advising I owed {$100.00}. Apparently, they assessed me even more late fees, and they said I paid the  XXXX  late. I explained to them that I paid what was owed online at the time I logged in as my account balance, as well as what thei r CSR said I o wed. No one could assist yet again.     I am reaching out here as my last attempt as I have never experienced such predatory practices. They make their own rules ( unfair cutoff payment times, not communicating due dates clearly to the customer ) and I am now charged over {$200.00} in late fees in total over a {$29.00} charge that was satisfied more than 6 months ago.
Product: Checking or savings account

I am a member of USAA since XXXX and have checking accounts with them, and where I receive my direct deposit from my employer. 
On XX/XX/2021, I made a transfer through the USAA app from my XXXX checking account in the amount of {$13.00} and my funds which usually are available immediately were put on hold until XX/XX/2021. Those funds have been debited from my XXXX account since XX/XX/2021, but I am still unable to access it because the funds are still on hold with USAA. Today I made a check mobile deposit in the amount of {$25.00} and again, the system placed a hold until XX/XX/2021. I contacted USAA to cancel that deposit, since it was done through the mobile app and the system was putting a long hold without warning me about the holding time to allow me to cancel the deposit and was on on the phone from XXXX PT until XXXX PT. I spoke with a representative who kept me on the call for a long time and then finally transferred me to a senior representative named XXXX, who refused to remove the hold on my {$25.00} deposit. I explained to him that the system did not inform me of such a long hold time prior to complete my transaction, and still he said its USAA policy to keep long holds on deposits. Since I have been a member for almost 30 years, I knew XXXX was not giving me the correct information, since small deposits becomes immediate availability, so I contacted USAA again, and spoke to another representative named XXXX, and then was transferred to a representative named XXXX, who said that earlier her colleague XXXX had refused to remove the hold and placed a note on my account at XXXX CT. She used refused when referring to the notes placed by XXXX earlier XXXX I told XXXX that I called to get to the bottom of this problem that has been occurring with my deposits and transfers and the extended holds, as I feel I am being discriminated by the bank and asked why all my deposit transactions have been put on long holds on the past few weeks, but she didnt have an answer for me and again, just didnt give me an explanation or offered me a resolution on this issue. I am attaching copies of my transactions with USAA, copy of my XXXX list of transactions showing funds paid to USAA on XX/XX/2021 and copy of check deposited today for review.
Product: Checking or savings account

Closed my XXXX  account and the {$5400.00} funding amount was not returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checkr has produced a background report for an employer that states I have two guilty convictions for charges that were indeed dismissed with prejudice after being appealed to a higher court, the presiding magistrate was commanded to recuse himself from any further cases involving me due to his complete incompetence and prejudice in handling the case. 

The DA later apologized to me personally... I have copies of my current criminal record and it reflects the info I have provided... perhaps Checkr should spend the {$20.00} to send away to the XXXX XXXX Police Records Repository who can send them accurate and correct info that does not harm my employment opportunities.
Product: Credit card or prepaid card

On XXXX I received this unsolicited email from XXXX ( I have no prior relationship with this company, so this is unsolicited email # 1. It also purports to have sent me a debit card that I did not request. ) " " You've taken the first step towards opening a Netspend All-Access Account by XXXX. Your new Netspend All-Access Account by XXXX materials should arrive in XXXX business days. Once you receive your Account Materials, be sure to activate your debit card and verify your identity. 
" " I have received subsequent emails about " activation '' on XXXX XXXX XXXX XXXX and XXXX I have not received this purported debit card, and worry that it could be in the hands of an identity thief.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2022 These inquiries are reported with the name XXXX XXXX which is not me nor did I authorize anything. My name is spelled XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I purchased a XXXX XXXX from Carvana XX/XX/XXXX for {$23000.00}. It was advertised as having the drivers assistance package ( XXXX  ). This option increased the cost of the purchase. Being new to XXXX cars, I did not know that the car didn't have it. I was under the impression that the parking sensors were part of the package. However, I was just informed that my car should have lane keep assist and XXXX spot monitoring if it had the XXXX package installed. After checking the VIN with XXXX, they have confirmed that the car does not have the advertised driver assistance package. I contacted Carvana on XX/XX/XXXX and they said that since it's outside of their complimentary warranty period there is nothing that they can do.
Product: Money transfer, virtual currency, or money service

COMPANY : ROBINHOOD Since XX/XX/year>2024, I have been actively engaged in cryptocurrency trading. Subsequently, I made significant investments in the currency. However, upon discovering restrictions on my trade and transfer options, I promptly initiated contact with their support team to address this issue. 
Despite receiving a phone call that I was unable to answer, I have also received several emails containing instructions on how to call in and provide the case ID mentioned in the email. Unfortunately, these attempts have proven ineffective. The AI agent can not confirm these IDs. The emails redirect users to a link that does not function, prompting them to initiate a callback. 
If fortunate enough to connect with a chat agent, they promptly dismiss the support chat if the user is not available as soon at the agent joins the chat. Additionally, there is no notification sent to the device from the app indicating that an agent is ready to assist. 
On XX/XX/scrub> 2024, I was finally able to connect with a chat agent over the phone to discuss the verification process. Unfortunately, the agent transferred me to a hold line where I spent an excessive four hours waiting for a representative before the call ultimately failed. 
Having exhausted all the resources provided by the support team, I have been unsuccessful in verifying my account and withdrawing my entire assets. As of today, XX/XX/scrub>, 2024 I have still received any correspondence from Robinhood in regards to my account restriction and have current cash assets totaling {$4000.00}.
Product: Credit card or prepaid card

On XX/XX/XXXX, I responded to an offer ( copy attached ) from Wyndham Rewards XXXX Card/BarclaysUS by joining XXXX as a new member ( payment confirmation copy attached ). I did not receive the statement credit of {$60.00} as promised so I disputed the {$60.00} balance on my credit card statement ( copy of my dispute letter dated XX/XX/XXXX attached ). The {$60.00} statement credit was posted to my credit card on XX/XX/XXXX. Today I tried to use my XXXX membership to make a purchase in-store, and the manager told me that the credit card company reversed the membership charge, which cancelled my membership.
Product: Credit card or prepaid card

I paid in full through Paypal for a cruise and airfare that was cancelled on XX/XX/XXXX by the travel agency. XXXX XXXX XXXX promised full refunds that originally were set to pay out on XX/XX/XXXX. However, on XX/XX/XXXX, they changed the payout date to XX/XX/XXXX. On XX/XX/XXXX, I received an email that they were still working to process my refund and that I would receive a phone call with a Final Date and payout. On XX/XX/XXXX, after not receiving a phone call, I sent an email inquiring about the status and I have not received any further information. The transaction details are as follows : XX/XX/XXXX -- {$300.00} ( processed via paypal ) XX/XX/XXXX -- {$370.00} ( processed via paypal ) XX/XX/XXXX -- {$300.00} ( processed via paypal ) I am currently in the process of disputing the XX/XX/XXXX charge through paypal. However, the transactions that were made on XX/XX/XXXX and XX/XX/XXXX can not be disputed and were denied due to the fact that transactions have to be disputed within 180 days. The charges also can't be disputed through XXXX as I am outside their dispute window as well.
Product: Debt collection

Conns is repeatedly calling from different numbers and have called 7 times today alone, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX the bill is only 4 days late and will be paid tonight but they are harassing us over 4 days.
Product: Credit reporting 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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and 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 or other personal consumer reports

Please remove fraudulent accounts and hard inquiries off my credit profile from XXXX, Equifax and XXXX XXXX immediately! 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.

Here as follows are items in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
3. Section 623 states that if an account can possibly be inaccurate there must be an address conspicuously listed and if not this XXXX  account can not report. Please remove this account immediately. 
Untitled Collection ( XXXX XXXX ) Account Number : XXXX Delete or Remove because it is reporting PAST DUE on a COLLECTION. 
4. Erroneous RESULT OF Equifax Data Breach Direct Violation of The FCRA Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all 3 Bureaus XXXX XXXX and Equifax. Please Investigate XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item 5. The following account contains a late payment that needs to be removed as this is a FDCPA Section 807 Violation Misleading False Reporting. This late payment being reported is inaccurate and needs to be investigated and removed XXXX Account Number : XXXX Please investigate and remove it from my credit report. 
6. The following account contains a late payment that needs to be removed as this a violation pursuant to 15 U.S Code 1681s-2. This late payment being reported is inaccurate, and needs to be investigated and removed. 
XXXXXXXX XXXX XXXX 
Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item 7. Last Payment Date and Last Active Date should be same in 3 bureaus. But here the account is showing different information in every bureau. It is a clear violation per the FCRA. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.