23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

USBANK had to get me 2 welness checks to my house before dispersing my money, the full amount that was on my account. 
Im still missing XXXX dollars and they know well that i have money issues and mental health issues. 
I just had XXXX woman on the line treat me like i was an absolute piece of XXXX. I will supina if need for you to listen to the calls.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I attempted to ask for a reinvestigation and validation of debt that DOES NOT JUST INCLUDE PHONE CONFIRMATION, BUT THAT REQUESTS PROVIDING DOCUMENTATION TO ME THE CONSUMER CONCERNING THE DEBT IN ORDER TO VALIDATE IT AS I AM ALLOWED BY LAW. 

XXXX REFUSES AND REJECTED MY REQUEST FOR REINVESTIGATION OF THE DEBTS AND HAS NOT PROVIDED NOT XXXX SINGLE VALIDATION OF THE DEBT INCLUDING, BUT NOT LIMITED TO, debt contract ; purchase agreement; assignment contract, date of last missed payment, XXXX, insurance claim, statue of limitations, etc. etc. 

I request the debt be removed if it is not validated. I also ask that XXXX discontinue ignoring the law. Debts include XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX
Product: Checking or savings account

I have contacted my bank to let them know I'm still having the same issues about the lender taking payments from my account. 
I have initiated a stop payment with the bank and was charged {$99.00} for the service but the lender/merchant is still taking payments from my account. 
I contacted the bank to let them know but every time I call no one picks up. I've left several voice messages but still they never got back to me. I want my money refunded from the day I initiated the stop payment.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX  From : XXXX To : XXXX, XXXX Sat, XX/XX/year> at XXXX XXXX Good Evening, I hope this email finds you well. 
I would like to request the cancellation of my membership XXXX from XXXX XXXX XXXX XXXX XXXXXXXX. I am forced to cancel the membership due to the fact that the discounts are not compatible to the benefits I have with my work place. 
I would like a full refund, I haven't used the benefits because I needed to make sure I was getting the best prices and I wasn't with your company. Please feel free to communicate with me to make sure this is done asap. 
If you have any other question please feel free to email me. 
Thank you, XXXX XXXX XXXX " Be kinder than necessary everyone you meet is fighting a battle you know nothing about '' XXXX XXXX XXXXXXXX
Product: Debt collection

On XX/XX/XXXX I checked my Trans Union Report and discovered Trans Union had put two negative accounts on my credit profile. The two negative items are from XXXX XXXX XXXX XXXX XXXX. Upon further research I discovered that the last update supposedly reported was on XX/XX/XXXX. This is absolutely bogus. I have a trans union report obtained in XX/XX/XXXX that will explicitly show that these two accounts were never on my report in XX/XX/XXXX as stated by Trans Union. These accounts did not appear on my account until after the XXXX breach. I tried to go on line to dispute these accounts but was not allowed by Trans Union. I request Trans Union remove these Bogus accounts immediately and not put them back in the future. Also Trans Union should be penalized for adding negative information without validating this information.
Product: Consumer Loan

Thank you for using the XXXX Online Complaint System. 
Your complaint has been assigned case # XXXX. 
Correspondence regarding this complaint will be emailed to : XXXXXXXXXXXX print a copy of this for your records. 

Filed on : XXXX XXXX XXXX by : XXXX XXXX XXXX XXXX XXXX CA XXXX against : TD Auto FinanceGiving me the run around and not processing my pay Payoff. XXXX XXXX 2015 I called TD Auto Finance to inquire about my balance on my XXXX XXXX XXXX. Account number XXXX They gave me the amount. I got a check from Credit Union ( XXXX XXXX ), I called TD Auto Finance back on Friday XXXX XXXX 2015 to get the proper address for express mailing Auto pay off. I mailed the check and preceded to call back on Friday XXXX to see when the title is going to be released, I was informed that my regular monthly payment is past due, I said how is that when I just paid off my loan. The agent put me on hold and then came back to the phone and said the check will be returned, because it was not signed but it was signed and it was made out to TD auto finance and my husband with my account number on the check. I asked the lady why did n't any one call me or let me know? She could n't answer me, I was in shock what if I had not called? The agent was very rude she hung the phone up on me. I called back on Wednesday XXXX XXXX and the same thing your account is past due, I said I sent a check to payoff my account and you said its gon na be sent back for signature. I was told that the check is now going to be sent to my credit union and If I do n't make my payment by XXXX XXXX I will accrue more interest. Since the XXXX of XXXX I have been trying to settle this matter. 
I want them to find the check and close my account for the amount first quoted to me. And I will never ever purchase another XXXX vehicle from them again. My husband and I have been loyal customers for years but this was the last straw. This was the XXXX time we have been burned by this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. XXXX XXXX XXXX. I have contacted the FTC and my local police and I am doing this alone. Please take these unknown items off my report XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX 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

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

NCTUE : I spoke with. Representative over the phone because I was unable to verify my identity over the phone due to identity theft. I mailed everything I could in. I sent. Copy of my bank statement due to the fact that I do NOT have ANY utilities in my name and have not had any for quite some time. After a long wait. I received a mail response that they could NOT process my request. I need this report due to identity theft. Why am I being punished for someone using my identity?
Product: Credit reporting or other personal consumer reports

Ive been going back and forth with the credit bureau XXXX, Experian, XXXX, trying to get my credit report fixed but to no avail theres inaccurate accounts that dont belong to me that Ive noticed which is XXXX XXXX XXXX accounts that arent mine and XXXX XXXX  account that isnt mine either.Neither credit bureau does any complete investigation into this matter which frustrates me that I cant get help. This is causing me harm and is very detrimental for me to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a XXXX present ( Laptop ) for my daughter that was supposed to be delivered on XX/XX/2020. I only opened the Best Buy Credit Card to receive the extra discount on the laptop. I never received it. This item was supposed to be signed for on delivery. When I checked with XXXX  I was told it was left at the front desk, I live in a house. I contacted Best Buy they stated their was nothing they can do, so now Im being charged to pay for something that someone else is enjoying.
Product: Debt collection

Midland Credit Management continues and has violated my rights via phone and mail under section 15 US 1692 under the Fair Debt Practices Act. I have enclosed an invoice in the amount of {$19000.00} to be paid via check for 19 violations. I have included my affidavit of truth along with the exhibits that highlights these violations. I also have sent this affivdavit of truth along with invoice via certified mail to Midland Credit Management. This has caused me mental and physical distress.
Product: Debt collection

NEVER RECIEVED A LETTER OR A CALL ABOUT THIS DEBT WORKS AND LENTZ RECIEVED AND I KNOW THEY HAVE MY INFORMANTION BECUASE I WAS EMPLOYEED FOR ALMOST 3 YEARS I GOT FIRED  DUE TO BEING XXXX HAD LOST MY VOICE MY BOSS KNEW I WAS XXXX I GOT FIRED BECUASE I COULDNT TALK ON THE PHONE TO LET THEM KNOW THAT I COULDNT MAKE IT TO WORK I SENT A TEXT MSG I CANT CALL IF I HAVE NO VOICE TO SPEAK
Product: Checking or savings account

XXXX x already, BANK OF AMERICA STOLE money out of my account, the first was for {$500.00} and the second time which was just last week was {$600.00}. They stole my bill money, and now XXXX cant pay my bills. 

They keep claiming I own them money but actually they owe me money stemming from a fraud claim. They owe me thousands of dollars, have destroyed my credit, and closed my accounts when I was kidnapped. Now they blocked me from my credit, and started harassing me nonstop to give them more money, threatening me, and now are stealing money out of my accounts. 

I have spoken to the company over XXXX times in attempts to resolve this issue and get all my money back, get my credit back, and to remove all the fraudulent negative reports on my credit. 

I get no where with them. The last time I spoke to them, I told them they had 2 days to put the money back in my account or I was reporting them. They never returned any of my money, all my bills are now late, and I am fed up with them stealing from me, XXXX XXXX XXXX XXXX allowing anyone to charge my card unauthorized and demand the money from me, then on top of that now the bank is stealing more money from me! 

Before they closed my accounts when I was kidnapped, they told me if I made payments just to keep my account in good standing while they were XXXX XXXX on a fraud claim, that I would get all the payments, interest payments, fees, and fraud money back when they finished working on it. That was in 2018. It has been 4 years, they owe me thousands f dollars, and now instead of paying me my money, they are stealing more money from me. Nonstop harassing me, destroying my credit with fraudulent negative reporting to the credit bureaus, and now XXXX cant even keep a roof over my head because they keep stealing my bill money.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2022 in the amount of XXXX  XXXX XXXX XXXX has unlawfully purchased a debt that does not belong to me the consumer, from XXXX XXXX XXXX XXXX, and have reported this transaction to the EXPERIAN REPORTING AGENCY, without my consent nor knowledge I was never contacted on this matter. Violating 15 USC 1681 ( a ) ( 2 ) ( 4 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have never been contacted by XXXX XXXX XXXX nor have I ever had a contract with them. My personal information has been shared among these companies without my consent.15 USC 1681a ( 2 ) ( i ) ( ii ) ( iii ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated to direct that such information not be communicated among such persons. there has been time i have signed any paperwork with such company. 15 USC 1681e ( b ) ( d ) ( 1 ) ( A ) ( d ) Notice to users and furnishers of information ( 1 ) Notice requirement A consumer reporting agency shall provide to any person ( A ) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer. Per 15 USC 6802-6805 I the consumer have the right to opt out of any and all reporting of my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

l noticed 3 inquiries on my credit report .l dont recognize them XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX th XXXX Capital One XX/XX/XXXX l found those 3 inquiries on mycresit reports l tried many to tell them l never applied for a credit card or a loan for over 2 years.
Product: Credit card or prepaid card

my card was stolen and used about a month month and a half ago they credit some charges but still have me charged for over 2000k i should have a XXXX balance i called today to tell them they forgot charges they told me to call back
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified letters out over 45 days ago and have yet to receive any notification. As a consumer i dont feel like i am being taken serious and these people are taken advantage of me.
Product: Debt collection

account number # XXXX I do not give your company permission to share, sell, release, buy or report information derived from my consumer profile and that was derived from your data files within your systems. Reporting to affiliates or any XXXX-party affiliates ( XXXX, XXXX, XXXX ) violates my privacy. The information you are furnishing to CRA 's is inaccurate and incomplete. I am a consumer who has been the victim of fraud. I have a fraud alert on my credit profile that was ignored by your company to issue credit. I did not give XXXX XXXX XXXX XXXX New York Permission to sell, share, release any of my consumer credit profile.
Product: Checking or savings account

I opened a business checking account with Chase. When I went in to sign the paperwork and open the account, I emailed my banker a coupon for a {$300.00} sign-up bonus. The banker never enrolled me and despite numerous phone calls, online secure messages and emails, Chase is refusing to take any action to rectify their own mistake. I met the terms of the bonus and am entitled to the terms advertised. The only reason I picked Chase to open my business account was because of the offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unauthorized hard inquiry was made by XXXX XXXX XXXX XXXX ( XXXX ) on XX/XX/2018. I don't recognize this company, and I never give consent for hard pull on my credit report. 

I can't find any information about this company online, not even an address. I believe this is an identity theft because I also got many spam calls using the real SSN and police department number ever since.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized accounts on my credit report during a recent review. Kindly remove these fraudulent entries, as they are obstructing my ability to obtain credit. These accounts are unfamiliar to me. 

Name : XXXX  Account Number : XXXX Opened Date : XX/XX/XXXX Balance : {$5100.00} Name : XXXX  Account Number : XXXX Opened Date : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported a Bankruptcy on my credit report they said was verified by XXXX. 
I contacted XXXX that said they have no such information. Please have XXXX remove this information.
Product: Debt collection

I XXXX XXXX is sending this letter in regards to a debt that have no clue of. I am sending this message due to the fact that i received threatening phone calls of my my bank account, money and more being seized. During the month of XXXX i've received more than 50 phone calls reading on my caller id Scam Likely and other fictious name and numbers that i've never ever seen. According to several FCRA laws, a debt collection agency must take the correct steps to attempt to collect a debt. You must prove that the debt is owed, provide original contracts with my wet signature on it. I am not asking for a copy of a statement nor am i asking for any copy of a contract but only an original contract. I am allowing 5 business days for this issue to be resolved. In your attempt to collect a debt that isn't owed and i have no clue of, you've violated several laws. You can contact me through my email and i waiting upon your reply. I am asking that you stop calling me and threatening me about garnishing wages, sending me to jail, sending letters to any address associated with my name. Do not force yourself or any of your employees on to property acting as if you're an officer. If this isn't resolve within 3-5 business days i am going to be contacting my lawyer and take the initial steps to ensure that your company pay the consequences for your actions. If you can't provide any original contract with my wet signature please do not contact me and remove my name from your directory permanently and immediately. If you attempt to try and repost it back onto my credit, i will sue you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/2021 ; XXXX XXXX XXXX Balance : {$2300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this XXXX complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau lastime. And now we are in the late month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2800.00}
Product: Mortgage

My loan ( # XXXX ) with Selene XXXX was delinquent and I owed XXXX XXXX XX/XX/year> payments. My wife called to get information regarding to loan and to make a payment in XX/XX/year>. They were unable to speak to her because she isnt authorized on the account. My wife called the IVR/auto phone system and it advised what amount was due, which was {$10000.00}. She setup the payment to pay from her account on XX/XX/year>. The payment was placed into suspsense. My wife and I called on XX/XX/year> and was told by customer service they would escalate to the payment processing team to move the funds out of suspension. During that call we also mage a {$300.00} escrow payment. We requested a call from a manager regarding this issue. I havent received a call. My wife call on XX/XX/year> to see why the payments havent posted. Customer service stated we needed to pay {$1300.00} to reinstate the loan, and they also advised {$11000.00} is in out suspense accounts. My wife made the payment ; Confirm # XXXX for payment.
Product: Payday loan, title loan, or personal loan

THIS IS ABOUT LOAN FRAUD. ** Unauthorised loan** On XX/XX/2022 I received an email from the lender** AFFIRM** that i was approved for a loan XXXX for a purchase on XXXX. I have attached a copy of my XXXX purchase history..*** there is no such purchase*** That same evening I attempted to get in my account which is accessed by telephone number. The telephone number was changed preventing me to access my account. 
Upon calling Affirm associate and describing the 2 valid loan with the lender, the Affirm Associate stated " that my account is not linked to XXXX therefore there was no problem/ no loan. 
On XXXX XXXX after making 4 phone calls, with the last call screaming fraud, the Affirm associate fixed the phone number and instituted a secondary confirmation system. That associate stated they would escalate the issue and I would receive a call back no later than XX/XX/2022. **** That never happen***. I sent certified letters ... No response. Affirm however sent text message that the first payment was due on XX/XX/XXXX, XXXX I have frozen all 3 credit reporting agencies and now my credit has been hack as I have received multiple loan approvals from others which I did not request.. Affirm lack of response, weak credit protocol has harmed me in addition to the loan fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 SECTION 604 A SECTION 2 states a consumer reporting agency can not furnish a account without my written consent.

15 U.S.C 1681 SECTION 602 A states I have the right to privacy XXXX XXXX XXXX  XXXX 15 U.S.C 1661 states that NO reporting agency can report a payment as late on an opened ended account for any purpose or reason. 
XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1692 C COMMUNICATION with the consumer without prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THESE ACCOUNTS ALSO DONT HAVE MATCHING INFO WITH THE OTHER BUREAUS AS WELL. SUCH AS -- DATE LAST ACTIVE -- DATE LAST REPORTED -- PAYMENT STATUS -- DATE OF LAST PAYMENT THESE ACCOUNTS MUST BE DELETED IMMEDIATELY!!! 
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Product: Debt collection

On XXXX XXXX XXXX attempted to contact Hunter Warfield Collections Asset Investigation via phone and I was threatened with legal action and various other actions and threats after I requested validation and verification of debt owed and also willing to pay if the account amount was correct. But when I left the apartment complex I did not owe anything and I feel as if I am being harassed and forced into repaying a debt that is not mine. The information was sent to the incorrect address and when I attempted to correct information agent XXXX XXXX was threatening and forcing actions on me. I do not owe feel this is a safe collections practices and it does violate FDCPA. Please assist me in correcting this unsavory tactics.