23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a text message XX/XX/XXXX from Quantified Management Services stating they were trying to reach me to collect a debt and that I could pay online or call. I figured it was a scam since I don't have any outstanding debt. 

I got a second text XX/XX/XXXX stating the same thing. I went online and entered the text 's reference # XXXX and was prompted to enter the last 4 digits of my social security #. I was not comfortable doing that so I called the number in the text. I spoke to someone named XXXX, gave the reference # in the text and asked for the name of the provider, date of service and the amount. XXXX told me she couldn't give me that information because of HIPAA laws unless I identified myself. I said the reference # should be enough since they sent it to me, that I was not comfortable giving the last 4 digits of my social security # to her or online, and that I believed this to be either a scam or a mistake. I told her to send whatever she had in writing. She said that was already done once on XX/XX/XXXX and that they weren't required to send it again. She did reveal the address the bill was sent to. I asked the person still living at that address if anything came in the mail for me. I was told no and that no mail had come there for me in years. 

Based on the address XXXX mentioned ( where I no longer live ) I believe I am able to piece together what this is about. In XXXX XXXX XXXX XXXX XXXX XXXX ILLEGALLY sent me a bill I DO NOT OWE for services totaling {$4400.00}. I then contacted my insurance provider, XXXX XXXX, and sent them a copy of this ILLEGAL document. 

The XXXX XXXX person I spoke to explained to me that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was paid what they were contracted to be paid by XXXX XXXX and that XXXX XXXX was in fact ILLEGALLY sending me a bill for the balance. 

XXXX XXXX sent XXXX XXXX a letter on XX/XX/XXXX stating that they ( XXXX XXXX ), PER NEW YORK STATE REGULATIONS WERE PROHIBITED FROM REQUESTING COMPENSATION OTHER THAN ALLOWABLE CO-PAYMENTS FROM FIDELIS CARE MEMBERS. ( MY CO-PAY AT THAT TIME WAS {$0.00}. ) I have attached a copy of the original ILLEGAL bill I received from XXXX XXXX and the letter from XXXX XXXX. 

This letter also included a XXXX Update which states that a XXXX RECIPIENT " MUST NOT BE REFERRED TO A COLLECTION AGENCY FOR COLLECTION OF UNPAID MEDICAL BILLS OR OTHERWISE BILLED, EXCEPT FOR APPLICABLE XXXX CO-PAYMENTS, WHEN THE PROVIDER HAS ACCEPTED THE RECIPIENT AS A XXXX PATIENT. '' XXXX XXXX obviously knew I was a XXXX patient because they had my health insurance information. 

I trust that this will resolve this matter and that Quantified Management Services will cease and desist requesting payment from me, will not report me to any credit bureau and will not resell this ILLEGAL bill to another agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last hour I attempted 5 times to put a freeze on my credit at Experian.com, each time after putting in my credit card information I was directed to a page saying " Your session has expired. Please return to the Registration page to add a security freeze to your report ''. My typing speed is over 100wpm so this is not an issue with timing out. Cookies are fully enabled, etc. 
This entire ordeal is frustrating enough, nor should we have to pay to disable these, but to have functionality disabled and time being additionally wasted like this is infuriating.
Product: Vehicle loan or lease

Ally Financial is reporting error that the final vehicle payment was over 30 days late. I did not own the vehicle and was under contract with the XXXX XXXX XXXX XXXX XXXX Florida and XXXX XXXX XXXX XXXX for the vehicle I purchased in late XXXX of 2019. 

I attempted on numerous occasions to compel XXXX XXXX to make the payment timely and could not afford to make the new payment in addition to the payment the were obligated to make to pay off the loan on the vehicle. I advised Ally Financial of the situation, yet they are reporting the negative information to all three credit bureaus and has thus far taken no responsibility to accurately report the information, which should be reported against XXXX XXXX XXXX XXXX XXXX, Fl given their contractual obligations to pay off the loan on a vehicle they owned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am a natural living being and have the right under 15 U.S. Code 1681 and Equifax is governed under 15 U.S. code 1681 and they have violated my rights numerous times. Equifax has openly admitted to reporting false credit scores on consumers credit report in 2022. Furthermore, their " IDENTIFIED '' data furnisher XXXX has removed all public records and inaccurate data from its data base and provided me with their updated credit report to reflect this. However, Equifax refuses to remove this data. Also, I have the right to privacy15 U.S 1681 and I did not give Equifax permission to furnish any information on my behalf. At this time I'm demanding the following public records be removed permanently from my report. Equifax has failed to exercise its grave responsibility to report 100 % accurate information. I demand the following items ( s ) be removed from my credit report immediately or pay me as entitled {$1000.00} immediately for each violation. This has caused harm to me by being denied credit, and higher interest rates ** Items to be removed** Bankruptcy case # XXXX
Product: Credit reporting or other personal consumer reports

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : late payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Trans Union reported my Credit Score to a potential lender as XXXX. 
I went on line at TU, purchased my score and it was XXXX. 

How can a credit agency tell me my score is one number and tell a potential lender it almost 50 points less. That is some form of consumer deception, is it not????
Product: Mortgage

I have been banking with Citibank since XXXX and have had several mortgage loans and a HELOC over the years. The mortgage loan and HELOC were paid off in XX/XX/XXXX. 

In XX/XX/XXXX, I applied for a {$100000.00} HELOC on my current primary residence ( in Florida ) to fund a special assessment on my condominium property. The application process was arduous ( for the amount of the loan request ). Citibank requested many additional documents, which were provided promptly. My credit details were : 1. Credit Score > XXXX 2. Loan to value less than 10 % ( Citibank appraisal of {$1.00} XXXX ). 
3. No existing mortgage debt ( subject property is free and clear ). 
4. Own a second home free and clear ( value of {$670.00} thousand ). 
5. Income is derived from two pensions, Social Security, part-time work, and income/dividends from investment accounts. 

My credit history is unblemished, I good liquidity, low debt and a good net worth. 

A counteroffer was made at {$38000.00}, apparently based on the fact that my debt-to-income ratio was too high. I contacted the mortgage representative and indicated that I had {$220.00} XXXX in liquid assets and {$1.00} XXXX in an IRA with XXXX XXXX, which I felt had not been considered in their analysis of the loan request. Furthermore, I indicated that I would have to take Required Minimum Distributions from the IRA beginning in XXXX which would be approximately {$75.00} to {$80.00} XXXX annually. I also stated that funds in the IRA could be withdrawn at any time without penalty to support payment of any debt. 

On XX/XX/XXXX, the HELOC request was declined for : 1 ) Insufficient income for the total obligation and 2 ) Insufficient Citi banking relationship for the loan request. 

I believe that Citibank 's underwriting practices are discriminatory in that other sources of income such as withdrawals from IRA accounts whether discretionary or required are not taken into consideration, and that accommodation is not made for such potential source of income. 

Subsequent to the decline of the HELOC application, Citibank has sent me two mortgage loan offers ( up to {$2000.00} off on closing costs ). This seems incongruent and is insulting.
Product: Credit reporting or other personal consumer reports

I am requesting the Credit Bureaus to please REMOVE the items I listed on this complaint and the previous complaint I submitted. As to be certain that my credit reports will be accurate, and the inaccurate negative items will stop harming my credit file. I NEED the Credit Bureaus to see the list below and please remove the items I listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax consumer services XXXX, XX/XX/XXXX to request a permanent security freeze lift since I was unable to do it online due to an error code ( NH ). The representative from Equifax stated they wound need additional documentation ( driver 's license and social security card ) to complete the process. I could fax XXXX or mail the documents. I faxed the documents XX/XX/2018. I called later that day and was informed it would take up to 48 hours to process. I called XX/XX/2018 and spoke to a representative and supervisor but the documents had not been uploaded. I called XX/XX/2018 and the documents were still unavailable. I was frustrated and puzzled that the security freeze I placed on my credit could not be lifted after answering the verification questions accurately and giving the PIN number. When I called XX/XX/2018, I spoke to a supervisor and she asked what fax number did I use. It was the fax number to the fraud department not the security freeze department. I believe that is a breach in itself for a representative from Equifax to give individuals the incorrect fax number. I faxed the documents again to XXXX. I had to pay {$5.00} and travel to public places to fax my personal information because I do not have a fax line at home and I work from home. This was an inconvenience. I called back XX/XX/2018 later in the evening and was told the documents had been received and uploaded and the freeze could be lifted after I correctly answered the security questions. I had to answer the security verification questions every time I called. After waiting on hold for 10 minutes the representative told me he was unable to lift the freeze but not to worry because he sent the request to another department that would be able to do it within the hour. I would receive notification in the mail in 5 business days. Has my credit freeze been lifted? I have no idea. Equifax is closed Saturday and Sunday so I can not call today. I am frustrated beyond belief that it would take 5 days to permanently lift a credit freeze and it may not still be lifted. I need to make a major purchase and need the freeze lifted ASAP.
Product: Debt collection

XXXX XXXX 2013 ( 3 yrs, 11 mos ) Original Creditor Name : XXXX I called ENHANCED RECOVERY COMPAN to remove that false report on my account. I have been now with XXXX for 4 years, and never owe them a penny. And Enhanced Recovery never got back to me. I sent them letter ... They never got back to me ...
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts need attention:XXXX XXXX XXXX Amount $XXXX  Date Opened - XX/XX/XXXX, XXXX XXXX $XXXX  Date Opened - 09/07/2015, XXXX XXXX  $XXXX  Date Opened - XX/XX/XXXX, XXXX XXXX  $XXXX  Date Opened - XX/XX/XXXX, XXXX XXXX  $XXXX  Date Opened - XX/XX/XXXX, XXXX  $XXXX  Date Opened - XX/XX/XXXX, XXXX  $XXXX Date Opened - XX/XX/XXXX,XXXX XXXX XXXX  $XXXX Date Opened - XX/XX/XXXX, XXXX XXXX XXXX  $XXXX  Date Opened - XX/XX/XXXX, XXXX XXXX  $XXXX  Date Opened - XX/XX/XXXX, Chapter XXXX  Bankruptcy REMOVE - Date XX/XX/XXXXThese accounts do not belong to me.  I have contacted all 3 credit bureaus and they have not removed the items listed above from my credit reports. They must be removed IMMEDIATELY. I asked the credit bureaus to furnish proof , provide signatures on any of these loans and they have not.  I will file a law suit of they do not remove these items IMMEDIATELY.
Product: Consumer Loan

On XXXX XXXX I sold back my vehicle to XXXX in XXXX, it was purchased on XXXX XXXX. They gave me 46k for it but took off 1k due to minor rim damage, some scratches on rims. At the time of purchase in XXXX several warranties were also purchased including, rim/tire, theft, environment, etc. The dealer should have known about the rim/tire warranty as they sold it to me back in XXXX, this would have covered damage. Instead, they took off 1k off the selling price of 46k. 
The warranties were never canceled by the dealer, I was referred back to them by the issuing companies for cancellation. Please note, this is not the XXXX negative experience with XXXX XXXX XXXX. In XXXX I was advised by my sales rep, XXXX XXXX, I was approved for 25k by the bank. When I went in two days later on Monday, their business manager called and told me I was not approved after I left my car there to trade in. They pulled this stunt in order to get my car in, which they were very interested in with low miles, so they could buy it. My sales rep had sent me home thinking I had a bank approval. 
I spoke with a XXXX in their corporate office yesterday, XXXX, she stated if a claim had been submitted with warranty that would have lowered the refund amount when canceled. The cost of warranty is XXXX, there is no way they would take 1k off that for damage, maybe pro-rate it if anything. Either their math is off or they are just lying, more than likely lying so they do not have to pay me back 1k. 
Please advise them I will need a check for 1k to cover the difference from what I should have gotten, the rim/tire coverage should have covered the damage. Their address is XXXX XXXX # XXXX XXXX, NY XXXX. My address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 

XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$700.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$610.00} XXXX XXXX XXXX Balance Owed : {$620.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I am filing this complaint regarding unauthorized hard inquiries on my credit report from several companies that I do not recognize and did not authorize. These inquiries are negatively impacting my XXXX XXXX, and I believe they were made without my permission. 

The inquiries are listed on my credit report from the following 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 I did not apply for any credit or services from these companies, nor did I consent to any credit checks or inquiries from them . I believe these inquiries may have been made in error or without my authorization, and I am requesting that they be removed from my credit report.

According to the FCRA, these unverified and unauthorized items must be removed.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from Experian and XXXX. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$780.00}
Product: Credit card or prepaid card

The day I purchased a {$200.00} Vanilla Visa Gift Card from XXXX an unauthorized XXXX user stole {$180.00} from the gift card. I followed the Vanilla Gift Card process and filed a dispute. I did not hear back from Vanilla Gift card for over 3 weeks after I filed the dispute. So, I phoned Vanilla Gift Card to receive an update on the dispute. I spoke to a live person who put me on hold and did not provide an update on the dispute. After researching online, there are numerous complaints regarding theft on these Vanilla Visa prepaid gift cards and Vanilla Visa Gift Card not doing anything to resolve it with their customers.  This is complete fraud and something needs to be done about it.
Product: Debt collection

Hello Paypal! 

I am writing to let you know that I had a couple things I would like to touch up on from our previous engagement. 

Account information : XXXX The last CFPB Complaint number is XXXX " PayPal will cease collection activities for your account 's negative balance. '' To give a short summary of it, what had happened was I was refunded by Paypal for {$1700.00}, but paypal stated it was a provisional credit which they rebilled for via my paypal account. Paypal understood what had happened and stated they would cease collection activities for my negative balance. However this is unfair as I had already started to pay back the negative balance by asking my friends and family to help. So by the time I found out that that Paypal would not collect on it, I had already paid {$990.00} of it off. 

I want to ask if Paypal can either refund them or provide me the differential credit of {$990.00} so I can pay them back. It was a XXXX group that I was apart of and they were trying to help me out. Now it just seems that the matter fizzled out as from my understanding, Paypal knew what had happened and therefore stated they would not collect on the balance. 

Can you find the heart to refund those people that tried to assist me or give me the means to transfer that {$990.00} credit?
Product: Credit card or prepaid card

I recently paid off my credit card balance. Actually OVERPAID by {$170.00} Shortly after paying this balance off chase dropped my credit line from {$20000.00} to {$500.00}. I then cancelled the account. Chase was to send me a check for my overpayment According to chase a check was issued XX/XX/XXXX, as of XX/XX/XXXX I have not received my check. 2 phone calls to customer service  has gotten no answers.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding XXXX XXXX XXXX XXXX for their failure to provide a written agreement regarding an alleged debt. I requested from XXXX XXXX XXXX XXXX a copy of the written agreement that they claim I signed, which would validate this debt. To date, they have not provided the requested documentation. 

This lack of response is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which entitles consumers to receive validation and verification of alleged debts. The companys failure to produce the necessary documents has caused confusion and concern, as I am unable to verify the legitimacy of this debt. 

I kindly request your assistance in ensuring that XXXX XXXX XXXX XXXX complies with the FCRA and provides me with the requested written agreement or removes this unverified debt from their records. 

XXXX XXXX XXXX XXXX Account Number XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.