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

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with account listed under XXXX XXXX and validation was requested as this was an account that I did not recognize. I reviewed my credit report again and and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me nor has my credit report been updated to reflect that the account is disputed and therefore a XXXX validation letter was sent out on this day. After reviewing credit report again there have been no updates and account is still reflecting on the report. I do not bellove the account belongs to me nor do I bolieve that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all XXXX credit bureaus until adequate validation has been received proving that the account belongs to me and all Information is correct
Product: Debt collection

This debt collector has engaged in abusive, deceptive, and unfair practices prohibited by the FDCPA. They have reported this account without our agreement, and I have not signed any agreement regarding it. A legal contract involves mutual consent from both parties, of which I have had no part. Furthermore, they failed to properly document my dispute of the account, directly violating 15 USC 1692e ( 8 ) and constituting unfair practices. 

Under the FDCPA, I am entitled to {$1000.00} per violation, and it is evident that they have violated my rights. 

I demand that this company remove this account from all three credit reporting agencies and provide compensation for the violations. Otherwise, I will be left with no choice but to escalate this matter to my litigation attorney. They have informed me that the failure to document my account on my credit report as a " consumer dispute '' is grounds for legal action.
Product: Debt collection

I received medical services from XXXX XXXX XXXX on XX/XX/XXXX of XXXX. Claim was submitted to my Insurance Company, XXXX XXXX XXXX. XXXX issued electronic payment on XX/XX/XXXX. Transaction ID : XXXX. 

This bill was paid 7 days after services were rendered. At some point in time last fall, I began receiving phone calls from an 888 number. I never answer the phone from such numbers if I don't recognize them. They have called me nearly every day since last fall. 

Tonight, XX/XX/XXXX, I received a letter from XXXX XXXX, XXXX stating that I had a debt of XXXX. I called their phone # and the representative gave me a " Client Services '' #. I called it and got a voice mail stating that the next available representative would call me. They never called. I called them back and left a second message. No call. 

I have contacted XXXX and they are sending me the EOB statement that verifies this transaction which shows the claim was paid in full.
Product: Credit card or prepaid card

There was attempt to use Capital one credit card ending XXXX in early XX/XX/XXXX, which was alerted by XXXX XXXX fraud to be shipped to secondary address. My primary address was not used but as a front. XXXX {$520.00}, XXXX {$440.00} ; XX/XX/XXXX {$95.00}, XXXX {$140.00} total XXXX After several calls, Capital one blocked the card not deactivated the card XXXX. Fraud stated, '' we sent new card out. '' XX/XX/XXXX via US mail : received new card and the new card was the same card again.I told Capital one to deactivate the card, why is the card blocked not deactivated? Why is the same card XXXX being sent out again? I am so stressed out over incompetence. 

On XX/XX/XXXX, called Capital one and told them about the same card XXXX sent to me in the mail. The agents in the background was laughing and yelling, I told the agent that I could hear them and not the agent. The agent said " they are celebrating. '' I could not take anymore this morning and disconnected the call. Later that day, begged and was very stern and demanded a supervisor which eventually spoke with. XXXX supervisor said " we sent out a different card number to you already with a different card number and looking at a different number. '' I said " No, why am I looking at new old card ending in XXXX. '' Pleaded and yelled in my shame " I do not want the card, regardless, please, audit the credit from the charges that are fraud, please. '' Why is my payment still XXXX dollars and XXXX dollars credit back due to fraud? '' My first call originally, about fraud to Capital one card ending XXXX. The agent could not get information about fraud nor transfer me to fraud. Capital one call center is not from the US, which concerns me terribly. Spend my precious time being insulted and waiting on a process that is at a slug 's pace. Do you really want to call a credit card company that is outsourced to foreign countries " online your account instead of talking to unknown entities. 

They sure do not make it easy on members of the XXXX. 

Wished I could say it is a pleasure. 
XXXX
Product: Debt collection

Hello, I received a text from XXXX today to review a debt. They sent me a link so I clicked on it. I had to enter my last XXXX digits of my SSN and zip code ( which was incorrect zip code from which they had listed for me ) and then enter to review. Even though I supposedly entered the wrong zip code, it will let me in. Once I was into the account, there was no where to dispute this medical bill. It was a XXXX $ medical bill from 2018 and way past the statute of limitations. I assume they tricked me into looking in order to try and restart the clock. I have never heard from this company before or have ever gotten written notice from them or any way to dispute. They purposely, intentionally, and negligently exposed me to old debt that is outside the statute of limitations which is against the FDCPA.
Product: Debt collection

I received a copy of an IRS form in the mail which is referencing the mentioned account. Please see the attached documents for further details regarding this matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Inquiry XXXX XXXX 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 an account without my written instructions.
Product: Checking or savings account

Dear Sir/Madam, This is to inform you of a matter which I experienced with PNC in XXXX Al in XXXX. They have reported me to you which I believe there was no wrong doing on my part. On XX/XX/2022, I went to PNC located in XXXX, Al to deposit a check. I proceeded to go to deposit a check I received from working at XXXX XXXX in XXXX Al. I proceeded to go to the counter and he informed me that he needed my driver 's license before I can deposit the check into my account. I asked him if he remembered me because I came the previous day to open the account, and just because I asked him if he remebered he got vey angry and he said he didn't remembered me. He was person who helped me previously to open the account. 
I also asked him if I have to present my driver 's license every time I have to deposit a check and he said he said yes. I gave him by driver 's license and he deposited my check and I left PNC Bank in XXXX AL. ( Shortly after this ) The Next day I received by XXXX from PNC Bank Corportate Office in XXXX PA stating that I acted inapproriately and was disrespectful to the teller and I'm no longer welcome back into PNC Bank in XXXX, Al. they went ahead and closed the account and reported me to XXXX XXXX XXXX  and demanded me to withdraw all my funds immediately from PNC Bank in XXXX, AL which I did. 
I went to several banks to open a checking account and the banks declined my request. PNC reported this incident to XXXX XXXX XXXX. I would like the bad report to erase from my name so I can go to other banks and open my checking account. 
Thank You! 
XXXX XXXX
Product: Money transfer, virtual currency, or money service

{$75.00} was charged to my PayPal by a XXXX company. I have spent 3 hours on the phone with PayPal. I filed a claim with PayPal and they immediately closed. Now they have transferred me to 4-5 departments with no resolution. I have no idea what to do next.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

XXXX, XXXX, and Transunion is govern by 15 USC 1681. And they have violated my rights numerous times! I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and did not give them permission to furnish these accounts. 
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX Account # XXXX Account # XXXX Has violated my rights. 15 USC 1681 section 602A states I have the right to privacy. 15 USC section 604A section2 it also states a consumer reporting agency can not a account without my written instructions. I also sent each XXXX and investigation letter to verify everything on my consumer report was 100 % accurate if not to delete the account and they did not do it. 

I also sent a second letter letting them know that they did not a proper investigation to verify everything was XXXX percent accurate and showed them proof they are now willfully violating the fcra keeping inaccurate information on my consumer report I want it deleted
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 168b permissible purposes of consumer reports. 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. 
ACCOUNT NAME : XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXX ACCOUNT XXXX XXXX  XXXXXXXX XXXX XXXX XXXX  ACCOUNT XXXX ACCOUNT XXXX XXXX XXXX ACCOUNT XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
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 XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX 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: Payday loan

Lender has continued to contact my place of business after they were told to stop immediately. They have constantly harassed me and may cause me to loose my job by continually doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Product: Credit reporting

I disputed an old Child Support case that by law should have been removed 2 years ago. I called the State that established and Closed the Case in XXXX. They said that indeed the case was closed, balance zero, and they were n't reporting it to any agency. I disputed it first with Experian in XXXX XXXX. They sent me a report stating that by law this case/account would be deleted 7 years after the case was closed and paid. So, by that it should be OFF my report as of XXXX, which it is not.
Product: Vehicle loan or lease

Hello On XX/XX/2018 I had a car accident. I was out of work for over 5 weeks. My car was declared total lost. 

on XX/XX/2018 I had made a payment in the amount of {$430.00} to pay for my XX/XX/XXXX payment. 

Irregularities. since my car was declared total lost I was waiting to see how much insurance company will pay and Gap Insurance. I never heard anything from Ally at all.

My Gap insurance denied the claim because I had skip 2 payments due to Natural disaster hurricane Irma back in XXXX ( I have never been late ). 
I'm looking at the account online 4 months later and now the account is back online Which they had taken access away since it was a total lost vehicle. Now is back online and it says I'm 6 late. this was on XX/XX/XXXX I notice this. I immediately call Ally to make a payment arrangement and they say there is nothing they can I do that I have 4 more days to make a regular payment. Then they transfer me to another department ( XXXX ) and this department offer me an settlement of {$690.00} on XX/XX/2018 at the time I did not had the money in my bank account therefore I told them let me gather the money I will call back. 
Now they are telling me that I do not qualify and that they don't do that even when they see in their system the comments on this day by their own repetitive. 
also the Irregularities of this company and I need an explanation of all the transactions they have posted to this loan after XX/XX/2018. The company is showing on XX/XX/ a Unpaid balance reduction of {$550.00} then on XX/XX/2018 a payment of {$17000.00} then they reserve the payment of {$17000.00} ( this was the insurance payoff ) then they reserve this payment on the same day XX/XX/XXXX and posted a payment for {$870.00} then more reversals etc. when my last payment was received XX/XX/2018 {$430.00} since my accident was XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

have to late payments XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX sent dispute directly to both companies and dispute wiyh all three credit buearus its been past 30 days no statement from companies have been submitted to credit buearus and buearu did not remove also a have XXXX XXXX XXXX  accounts that transunion hasn't removed please remove under the ftc report on those two accounts under the 605 act
Product: Debt collection

Professional Credit Management continues to violate the Fair Debt Collection Practice Act by continuing collection efforts after being notified this debt never belonged to me and attempting to collect on Medical Debt in the state of Arkansas after the statue of limitations has expired per ( A.C. A. $ 16-56-106 ) Debts incurred for medical services have a statute of limitations of 2 years from the date the service ( s ) was rendered or from the date in which the most partial payment was made ( A.C.A. 16-56-106 ). These actions are clearly a violation of my consumer rights and Professional Credit Management must be held liable for their actions.
Product: Checking or savings account

Some kink of claim that I owe that I didn't get closing my account with chas
Product: Credit reporting or other personal consumer reports

They pulled my credit without my consent. I went to the dealership for a purchase of a car and they pulled my credit with numerous institutions that I did not know that they would do that on XX/XX/scrub>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

There is a collection account in the amount of {$490.00} on my Equifax report that does not even have a creditor listed in the creditor field. The collection account in reference shows that it was opened on XX/XX/2021 with an account number of XXXX. 

There is no contact information nor account name for the furnisher of this account therefore I request the removal of this account in its entirety per FCRA regulations.
Product: Mortgage

I had to file bankruptcy and the mortgage company did not want to give me reaffirmation on my loan. I finally received one but I have had several problems since then. I have been threatened with foreclosure even though my mortgage is current and the company was told by attorneys they could not file foreclosure if the payments were current. I have had payments returned stating I do not have a mortgage with them. I am no longer receiving statements showing my balance. i tried to set up direct pay with my bank and i was told on 3 different occasions this bank does not use routing numbers which I know to be untrue. I have difficulty getting a straight answer from them and do not know where my payments are being applied
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

You failed to respond to my dispute letter and you failed to verify that these accounts belong to me before the end of the 30-day period beginning on the date that you received my dispute letter. Under 15 U.S.C. 1681i, of the FCRA all unverified accounts must be promptly deleted from my credit file. The files listed below are inaccurate and unverified and I am requesting that you delete all of them from my credit report immediately. 

You are also required to send me a copy of my credit file showing that these items have been removed.. Please provide me with a copy of an updated and corrected credit report showing these items removed. 
Account name Account number XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Mortgage

We asked the bank for net proceeds requirement. They told us an offer of {$25000.00} with net proceeds of $ XXXX. We received an offer of XXXX. They reviewed and at the last minute before the foreclosure postponed. They waited 3 weeks and then they countered back at a previous amount of XXXX reducing commission to 3 % split between XXXX agents. The national standard for a short sale is 6 % total commission. This has been going on for 2 1/2 years. They keep changing their requirements as soon as we have an offer that meets their demands. They are force placing a foreclosure on an XXXX servicemember and his veteran ex spouse.
Product: Debt collection

I received a notice from a collections agency for {$590.00} from Grant and Weber in XXXX XXXX, CA. The notice stemmed from a bill from XX/XX/XXXX, charging me for XXXX XXXX. After insurance adjustments, the patient responsibility was approximately {$10.00}. I called into XXXX XXXX 's XXXX XXXX XXXX XXXX billing department to point out that the {$590.00} did not include insurance adjustments, and the representative agreed, and said I only owed {$10.00}. I paid off the {$10.00} in XXXX of XXXX and I was also told to disregard any future communications as that bill was considered paid off. 

Months later, in XXXX of this year, I received the notice from Grant and Weber for  {$590.00} plus interest. I called XXXX XXXX a few days later and they agreed to contact Grant and Weber to rectify the situation. However, I have not received any communications, and now, two weeks later, XXXX refuses to help or follow up with me as they now have no record of the {$590.00} charge, even though I still have the bill from XXXX, and the charge is shown as paid on the XXXX billing website. 

What's even more surprising is that I learned, in my call to XXXX XXXX 's XXXX XXXX XXXX XXXX billing department, that they sent a {$28.00} bill and a {$40.00} bill to collections in XXXX and XXXX, and sent a XX/XX/XXXX bill of {$28.00} to collections in XX/XX/XXXX. I did not receive any notices for those. Because the XXXX and XXXX bills were so long ago, I do not recall if they were paid off before they got sent to collections. Or they might have resulted from the same mistake as above. It seems clear that they use collections quite aggressively without giving consumers adequate notice. A 2-month window is not adequate notice. It is clear that in many instances, they do not send more than one bill before sending it to collections.