23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Beginning during XX/XX/XXXX a collection agent called asking where I could meet their " process server because they were going to sue me for {$800.00} that I owed XXXX XXXX XXXX ''. According to XXXX XXXX. I owe them nothing and all accounts that I did have were closed and paid in full. Demanding that I pay the full amount at XXXX. They gave me no information about who they were or who they represented. They are so persistent that they have called my cell phone at least XXXX to XXXX times a day if not more. When I asked for an address they refused to give me one. Because of their actions, I felt that in order to obtain the company name and address I had to set up a payment arrangement so that I could obtain an address. ( exhibit # XXXX ) These statements clearly shows that AFS 's actions cause Duress as stated in 18 Pa. C.S. 309, Entrapment 18 Pa. C.S. 313, by threats of a lawsuit. By not first telling me who they were or why their actions so that I could properly investigate and ask questions their actions clearly violate Pa C.S.18 3922 Theft by deception, Pa C.S.18 3923 Extortion, Pa C.S.18 4114 Securing execution of documents by deception, Pa. C.S. 18 4107 Deceptive or fraudulent business practices. 
On Friday XXXX XXXX, 2015 they once again called demanding {$800.00}. Since I will not deal with them directly they have started calling my wife XXXX XXXX, demanding the money out of her saying that they would sue and put a record judgment on me if the full amount was n't paid that day. The individual that spoke with her gave her, not only my name and social, but her full name and social security number as well. In the arrangement they give no name of the prior lender, no account number, nothing. They have called my place of business ( XXXX XXXX in XXXX ) XXXX as well as my wife 's place of business, ( XXXX XXXX XXXX ) where she is XXXX. On XXXX XXXX, 2015 I received this email ( exhibit # XXXX ). On XXXX XXXX, 2015, XXXX XXXX XXXX XXXX called XXXX XXXX which is my place of employment tonight looking for me.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXXXXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Debt collection

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX in the amount of {$920.00} As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Self Financial , Inc. violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), and 18 U.S. Code 8
Product: Payday loan, title loan, or personal loan

I signed up to receive a {$250.00} cash advance from MoneyLion aka XXXX aka XXXXrequired access to banking account information and signing into account via their portal. Granted third party access. Discrepancies for accounts owe and received. Requested {$250.00}, required transfer to XXXX account, transferred to bank, agreeing to pay {$4.00} each time to have it within minutes. Only received {$50.00} and I am unable to cancel my subscription and refusal to rectify. Possibly a data breach and has my social security number, bank login access, worried about credit report and fraud.
Product: Credit reporting

XXXX Account- In XXXX 2015 I decided to switch cellular carriers. I called XXXX customer service to start the portability process with the other company and at that time there was XXXX balance in my account but actually, there was a bill still pending to be processed. I never received a bill for the account settlement nor a phone call or text message and because of that, my account became delinquent. As a result of this, my account was referred to a collection agency and subsequently reported to the credit bureaus as a derogatory account on collection. I had a spotless payment history in my nine years with the company and once it was brought to my attention there was a pending balance I worked diligently to amend this and made the payment immediately. I have contacted XXXX and they have agreed to remove this derogatory mark in my credit record and to that effect, they sent me a letter stating so. I submitted a dispute ( with a copy of this letter ) to XXXX and Equifax , as of today, XXXX updated my credit file and removed the information pertaining to my XXXX account. Equifax , however, is not willing to accept the information I provided and my credit record with them is still showing the negative information. I have submitted this dispute to them 4-5 times, since XXXX 2015 to no avail. This complaint is about Equifax , not XXXX. Please find attached XXXX 's letter and XXXX Report.
Product: Debt collection

XXXX XXXX Acct number : XXXX XXXX N accordance with fair credit regarding act XXXX to those account has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C section 602 A section 2 : its also states a consumer reporting agency can not furnish a account without my instructions. I reject everything they said here : On XX/XX/XXXX the apartment all ready has been rented by new tenants. XXXX her self told me that they will have new tenants on the XXXX of XXXX. I vacate the apartment since XXXX first. Why all this charges after vacate the place? And they do have the mover insurance as well. I didnt make any damage in the property. I didnt make any late payment. I wasnt late to move for them to charge me XXXX $ I didnt Damages - Trash removal from move-out Neither Damages - Drywall Repair on 1st and 4th floors I move out the XXXX of XXXX. And the apartment was way clean. I sign this form on the XX/XX/XXXX on good terms that Im moving out on XX/XX/XXXX. XXXX send it to me to show that Im moving out on the XXXX of XXXX. Doesnt show that I owe them of broke anything. This form is for all tenants when you are moving out a month before to vacate the apartment.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Checking or savings account

Hello : I am a US Bank customer and use online bill payments and recurring bill payments for most of my expenses. I have a mortgage with XXXX XXXX for which I have an established recurring bill payment set up with US Bank.In XX/XX/XXXX I received a notice from XXXX XXXX that my monthly payment would be changing beginning in XX/XX/XXXX. I went online to my US Bank Bill Pay to adjust the payment amount from {$3400.00} to {$3500.00}. I also transferred funds from a savings account to my personal checking account to cover anticipated expenses including the monthly XXXX XXXX payment. Believing all was fixed for future payments I paid no attention to the bill pay service until I received a notice from XXXX XXXX that my XX/XX/XXXX payment had not been received. I immediately went online and issued a onetime payment to XXXX XXXX including late fees, verified funds were not the issue and contacted US Bank to complain about the cancelling of my payment vs the editing of the amount for future payments. US Bank has repeatedly promised to look into the matter and let me know in three business days the outcome, yet far more than three days will pass with no follow up. Today on an extended call and being passed around to multiple customer service reps and managers, I was told that bank logs indicate I cancelled the payment and that no documentation of same would be provided to me, nor would a letter explaining what actions I and US bank had undertaken to address the issue would be issued. My credit has been damaged by the failed payment, I am in need of documents to show a mortgage broker that I protest the resulting fees and ding on my credit, but I get nowhere with US Bank. I am going back to a branch today as directed by online banking to ask for a letter of explanation which I have little hope of getting.
Product: Debt collection

I accepted services for a fumigation from XXXX on XX/XX/2016 with an ending invoice of {$2300.00}. 

After the fumigation, I was not satisfied with the ending results so I called and spoke to the manager, XXXX XXXX XXXX ( branch sales manager at the XXXX XXXX office XXXX ; email is : XXXXXXXXXXXX ) After our conversation he agreed to adjust my bill by {$460.00} due to damage to the interior and exterior of my home and unsatisfactory service ; reducing my payment to {$1800.00}. I have the original letter stating the adjustment in my possession. The letter is on the company 's letterhead and has the signature of the branch manager. 

I paid the {$1800.00} in full by XX/XX/2016. 

To date, I have been receiving collection calls for the remainder of the balance of {$460.00} which should have been waived according to the letter. There has not been any communication between the XXXX office and the collection agency. I have been put in the middle between both parties saying that each of them will speak to the other and resolve the issue, yet I continue to receive calls for the " delinquent '' bill and no one ever seems to know what I am talking about. 

At this point I would like to get this resolved and make sure that I do not have any negative reporting to my credit report due to this oversight. An employee from the XXXX call center named XXXX XXXX said I do not have to worry about the credit report aspect but is it going on 90 days " past due '' and generally all 90 past due accounts are reported and since the collection agency has no proof of the adjustment it may be a chance I have been reported. 

I have spoke to multiple people from the collection agency and XXXX and have not received any calls back from either institutons. I have kept detailed notes on times, dates and names regarding this matter.
Product: Debt collection

I have new and updated information regarding complaint number XXXX : The attachment which Dunlap Gardiner LLP provided with their response is proof that there was never any sort of contractual agreement or meeting of the minds between I the consumer and its clients the The debt collectors. In fact, as seen in Dunlap Gardiner LLPs attachment the agreement was made between The Declarant listed as XXXX XXXX, XXXX and the Initial members who is also listed as Track Owners within the signature page : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. This agreement was made and agreed upon on XX/XX/2008. It is also a fact that nowhere within Dunlap Gardiner LLPs attached document proves that I The consumer was a party to such agreements. No one with a reasonable mind would believe it to be a fact that I The consumer can make a contractual agreement in which I was not a party to. It is also a fact that Dunlap Gardiner LLP was not a party to this agreement as it was not present nor have firsthand knowledge to the agreement made on XX/XX/2008. Furthermore, Dunlap Gardiner LLP and its employees can not speak to the facts of this agreement as it was not a witness to nor heard the terms and conditions with their own two ears. It is a fact that Dunlap Gardiner LLP and its clients are Debt Collectors and has violated my rights as a consumer by harassing, threatening, and causing me mental anguish for over a year with their abusive attempts to collect on this alleged debt when they have no legal right to attempt to collect on. Lastly, it is a fact that the alleged agreement in which Dunlap Gardiner LLP falsely claimed to be true is in fact unlawful and unenforceable.
Product: Bank account or service

I opened up a CitiGold checking account back in XXXX 2015 using a promotion code ( XXXX ) that would give me XXXX XXXX miles once I 've made at least {$750.00} in debit card purchases within 60 days of account opening. I opened this account via phone, and confirmed with the respresentative that I am qualified for this promotion and the account was opened with this promotion code. I completed the requirements and never received my XXXX XXXX miles.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 16th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Vehicle loan or lease

Ally bank customer servise are not professional, they never have a right answer. The due date changed on its own and the charge whatever they want. For XXXX years we have been waiting to remove couple charges and since then the charges were not removed. Ally bank rating is a XXXX star rating from all customers, which says a lot. Please help us!!
Product: Debt collection

I never applied for the card in question and it was eventually closed with being used but the bank is trying to extort the yearly fees from me by posting it on my credit profile without authentication
Product: Debt collection

I saw that a collection showed up on my credit report from XXXX XXXX so I called the number on the credit report and asked them what was this {$410.00} debt that they put on my credit. They stated that it was a bill from XXXX XXXX from XX/2015 and I told them that i do not owe them anything and they stated that I did. I told them that I would be disputing this information. The very next business day, they call me at my place of employment. Now, at the time that I had went to XXXX, I had just been let go at my job so I was just trying to use my benefits by the end of the month so I could get anything covered that needed to be done. I went in for a XXXX XXXX and they told me that I had 5 XXXX and one might require a XXXX XXXX but they would try to save it. Please keep in mind that i had no XXXX since I was XXXX years old and I went to the XXXX faithfully. For this service, I had to pay my portion of {$670.00} and the rest was to be covered by insurance. I applied for XXXX XXXX and paid them {$670.00}. They supposedly saved my XXXX and gave me fill ins. Two months later, I started having sXXXX XXXX in my XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. XXXX called me stating that they had another portion of the bill that I needed to pay- something around {$120.00}. I explained to them that they did not fix the issue when I paid them the first time and that, now, I faced the dilemma of having to get a XXXX XXXX ( while then XXXX ) with no insurance, as I had only started a XXXX job at the time. I was very upset because I had to come out of alot more money after already paying them all of that money. The girl was supposed to talk to the XXXX about this. I never heard anything from them and then I get this collection almost 2 years later for almost 4 times the amount. I am very upset because I paid them for work that was unsatisfactory and they are trying to ruin my credit. Then, this company is calling my place of employment and finding information about me. I really need a resolution to this situation.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX # XXXX XXXX XXXX # XXXX - BALANCE {$9900.00} XXXX  XXXX # XXXX XXXX  # XXXX - BALANCE {$4100.00} Unauthorized inquiries XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX XXXX  XXXX Account number XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish an account without my instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I just reviewed my credit reports and it shows inaccurate and unauthorized account. 

Please see the copy of my dispute letters that were already sent to the involved Bureaus.

I have not received any responses yet
Product: Credit reporting, credit repair services, or other personal consumer reports

I GOT DENIED A JOB BECAUSE OF A PENDING CHARGE ON MY DRIVING RECORD FROM THE COMPANY ASURINT WHO PROVIDED THIS INFORMATION TO THE EMPLOYER. 

I HAVE PENDING CHARGES IN PA THAT WILL BE DROPPED AND DISMISSED ITS HURTING ME FROM GETTING ANY JOB BECAUSE THEY ARE REPORTING IT AND WHEN JOBS DO A BACKGROUND CHECK I GET DENIED BECAUSE OF IT.
Product: Checking or savings account

On XX/XX/2021 I checked my account in regards to a purchase I made to get a refund. It was then I realized my checking account, my savings and my two credit cards were low in funds and they werent mine. I immediately called Bank of America and notified them that these transfers were fraudulent and I didnt give any one access to my account, the representative told me she would put the hold on the account but I needed to go to the nearest bank as soon as possible to open a new account. I did just that on XX/XX/2021. 
I have been calling since then In regards to my account and my funds being returned. This situation has made me mentally and emotionally sick right now I suffer from XXXX. I am always on edge and always checking my accounts I dont feel safe doing anything on line everything seems suspicious to me. 
I went as far as changing the phone and getting a brand new one just to be safe. 
Bank of America had made this scary for me and I am unable to pay my bills in total I have lost {$3000.00} And they refuse to help saying that it came from my account in regards to XXXX transfers. 
I just need to get my cash back close this account with Bank of America because I thought my savings were safe with this financial institution but it isnt! 
Bank of America is a high risk bank and they refuse to acknowledge that this is fraudulent! Ive worked to hard to lose this especially due to the fact it wasnt my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2015 in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Twice someone tried to get auto credit through XXXX XXXX XXXXXXXX. XX/XX/XXXX and XX/XX/XXXX. I called XXXX XXXX XXXXXXXX and they said they showed no record of an account and could not see inquiries. I then called Experian and they said that I had to call the bank and have them remove it. I now have 2 fraudulent attempts by someone to get credit through XXXX XXXX XXXX and I also have two hard inquiries on my report that is affecting my score. 
I would like the inquiries taken off of my report and I would like XXXX XXXXXXXX XXXX to screen applicants better to help prevent fraud.