23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and that the disputed inquiries being reported on my Personal Credit File were never authorized neither initiated by my nor anyone I allowed to. By the provisions of the FCRA, I am requesting that the Credit reporting agencies deleted the disputed inquiries completely from my Credit report and stop their erroneous reporting. I previously sent a letter addressed to the Credit Bureaus with the same message, requesting the removal of the unauthorized inquiries. I also previously requested proofof verification bearing my signature to support the Credit Bureaus claims that the dispute inquiries belong under my name. Once again, I need the following inquiries deleted as soon as possible : XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis Accurint report dated XX/XX/XXXX, falsely reports me living and creating numerous utility accounts between XX/XX/XXXX and through most of XXXX at addresses that are not known to me as follows : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX Note : I am a victim of identity theft. There is some type of organized crime which is still publicly advertised on XXXX at XXXX XXXX XXXX providing utility services to people who had credit problems. 

As a result, I am being unfairly linked to every criminal involved in this illegal activity and also provided the first five number of strangers ' social security numbers which would indicate the Lexis Nexis is providing the first five number of my social security to organizations who are gathering information of these total strangers..

Out of the 40 pages in this Accurint report, there are now 100s of criminals and their relatives being listed as my relatives and associates. When in reality, I am only associated or even familiar with one person on these 40 pages, which is my son who Lexis Nexis misreports as a female. 

The Accurint report also lists two state liens from XXXX which is also inaccurate.
Product: Debt collection

This bill is from XXXXXXXX XXXX  XXXX for my XXXX shoot in Pa in XXXX XXXX. 
I have provided my insurance information when I was at XXXX. I have received a letter about payment from XXXXXXXX XXXX XXXX and called them and provide my insurance inforamtion again. 

I also have called my insurance company and was told that they never received any claim from them. 

Now XXXX has forward to collection company to collect the debt which I didn't owe any bills. 

I called multiple times to collection company called " Transworld Systems Inc. '' but no answer at all, and I have left a message but not received a call from them all at. 

I called, XX/XX/XXXX, XXXX XXXX XXXX  and provided my insurance information again.
Product: Credit card or prepaid card

I just received a random call about a fraud charge on my Chase XXXX starting with XXXX ending with XXXX. This card had already been closed previously. But, he reported that it is being used in Ohio and it was reported as fraud. Also, he reported that there's currently over {$4000.00} charges due on this card ; which is ridiculous. 

Phone # : XXXX from caller This person had the last 4 digits of my SS #. My full name and my current residing address. 

Please report this unknown person. 
I hung up on him when I realized this card had already been closed a while ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six 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 items 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 items in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 XXXX XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6600.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card

Repeated Unauthorized Double Charges on Apple Credit Card by Goldman Sachs I am writing to file a formal complaint regarding repeated unauthorized double charges on my Apple Credit Card, issued by Goldman Sachs. Over several transactions, I have been charged twice for purchases, leading to financial discrepancies and inconvenience. Despite contacting the merchant involved in the most recent incident on Monday, who confirmed that they only charged me once, I was still billed twice for a {$160.00} purchase. This is not an isolated case but a recurring problem with various merchants, causing significant concern. 

I am aware that other customers have reported similar issues online, indicating a potential pattern of deceptive practices by Goldman Sachs. I am seeking your assistance in addressing this matter and ensuring that appropriate action is taken to prevent further occurrences. 

Thank you for your attention, XXXX XXXX
Product: Vehicle loan or lease

Carmax Business Services LLC induced me into an unconscionable and fraudulent alleged loan agreement. They have been coercing me under duress to make payments using Federal Reserve Notes and conspiring to extort me to collect an alleged debt on an unconscionable and unfair agreement, with the threat of repossessing ( stealing ) my private automobile if I dont pay them something I dont owe them, using a Federal Reserve System that Ive recently learned that I am not qualified nor authorized to use.
Product: Money transfer, virtual currency, or money service

XXXX  Application that is owned by PayPal is a fraudulent company. I was scammed 5 years ago via chargeback on Venmo and the end result was Venmo suspending me. 5 years later I am able to make an account however I added the old bank account that was attached to an older account that they suspended for no reason ( I was the victim, I was scammed and further punished by Venmo with no help to go after the scammer ). I now have a little over {$4200.00} stuck in my balance that they wont release. They asked for identification and ID which I provided so they unfroze the account only to deactivate it a day later. They wont even send it back to the original sender so it can be sent a different way. They refuse to give me reasons why I have to wait 180 days. There is no reason for it, I need to pay my bills I need that money to survive. I am desperately begging for help. Please. I do not care about not being able to use Venmo I just want the funds released or reversed. This is unacceptable. There is no reason that this money should have to sit in a balance for 180 days for no one to claim.
Product: Student loan

I was accepted into the XXXX XXXX XXXX Loan Repayment Program, through the Texas Higher Education Coordinating Board. In exchange for working five years full time ( as a XXXX XXXX XXXX ) at an approved facility providing XXXX XXXX XXXX  in a shortage area, my existing student loan would be repaid each year until completely repaid by the Higher Education Coordinating Board. 
I have fulfilled the requirements by working full-time in my position as an XXXX  However, there is still {$8000.00} + remaining on the loan balance because the Higher Education Coordinating Board had poor accounting practices, and accepted new applicants yearly without setting aside funds to adequately repay loans for applicants already in their program. 
The Higher Education Coordinating Board tried to coerce me into signing an additional contract with the Federal Government for loan repayment, but it was not an appropriate option as there were significant additional penalties and commitments attached. 
I have tried repeatedly to resolve this issue with The Higher Education Coordinating Board, as I am XXXX years old, have been through XXXX XXXX XXXX  and XXXX XXXX, but continued to work full time for five years to honor my commitment. 

The response of the Higher Ed Coordinating Board is indicative of Fraud on their part. Please help me to resolve this issue, as it is causing emotional distress.
Product: Debt collection

Contacted company about account XXXX reporting. XX/XX/XXXX, about this account was charged off XXXX its XXXX. A charge off is considered income, which PatientFi has written off on their taxes. 2 years ago which make this fraudulent. A 1099c form was never sent. ( Credit Reporting Agency ) such as XXXX, XXXX, XXXX Should not be reporting income on credit file. This account should not be reporting. Its 100 % illegally by Consumer State Also Federal law. I attached consumer law to complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate the accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am on an Income Driven Repayment Plan with XXXX dollar payments every month but my credit report still shows that I have monthly payments and that's not the case.
Product: Checking or savings account

This has been an ongoing issue for almost one year now. Around XXXX of 2020, my debit card with Wells Fargo had been compromised. I immediately called and reported all of the fraud charges. I also noted multiple times that I have not received any new cards nor was I able to log on to my online account. My email address and phone number had been changed on my account and I was not able to view any updates. I mentioned this issue to every single agent I spoke to and only one was sure to make a report and note it. I was informed by the fraud department that a police report was necessary for this case. I tried to send this report to Wells Fargo multiple times. One agent even told me my police report was denied and they did not even want to look at it. How does it make sense to ask for a police report and then deny it? I tried to speak directly with the agents that were in charge of my case, but had no luck. First, I was told my case needed to be sent to a manager or supervisor and I would get a callback. Nobody EVER called me back. Also, I explained multiple times that my email and phone number were not correct and to update my profile. Later, the agent explained that all updates were being sent to the fraudulent contact information on the account. I tried to work with Wells Fargo in every way that I could, but there is no hope anymore. I even contacted the merchants that were associated with the fraud and every single one said they were unable to help and that my bank should take care of this issue. All of the fraud charges have a total of around {$8000.00}. This is a large sum of money and I should not be held liable for these fraudulent transactions. I would like my money back asap. I have been lied to and treated like a piece of garbage going back and forth with this terrible bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXX with account # XXXX, XXXX XXXX with account # XXXX, XXXX XXXX with 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 602 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

XXXX, XXXX and Equifax are reporting supposed late payments on my behalf which I didn't give consent to do. In accordance with the fair credit reporting act, this creditor has violated my rights, under 15USC1681 Section 602 states I have the right to privacy, 15USC1681 Section 604A Section 2 it also states that a consumer reporting agency can not furnish an account without my written instruction, under 15USC1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - Quality Recovery is reporting a collection # XXXX that I do not owe. I have already paid this collection off and they violated my 30 day right when they initially sent the collection. It is on my credit and should not be and I would like it removed, I do not know if it is on there as XXXX XXXX or Quality Recovery.
Product: Debt collection

THIS IS NOT A DUPLICATE COMPLAINT. 

As stated previously, I do not have an account with this company. I have not given this company permission to share my information with any third party debt collector either. The creditor, XXXX XXXX, did not address the concerns in my first complaint, but rather provided an unprofessional letter of opinion about my character. Opinions can not be enforced by law but debt validation can. XXXX XXXX has provided conflicting information stating {$700.00} is past due, while Mcphail Sanchez is trying to collect an amount of {$3800.00}. Since you are certain this loan belongs to me, you should have no problem providing the requested information, or forwarding to the appropriate department for handling. It is illegal to continue to try to collect amounts not owed. 

As stated previously, I received a collection notice from Mcphail Sanchez LLC in association with XXXX XXXX XXXX XXXX claiming that I owe a debt in the amount of {$3800.00}. However, I have never had any business or financial relationship with this creditor, and I do not recognize the debt that they claim I owe. Despite my attempts to dispute the debt and request validation from the creditor, they continue to harass me with numerous phone calls, voicemails, and letters demanding payment for the alleged debt. The creditor has also threatened legal action and made false statements to me regarding the consequences of not paying the alleged debt. I believe that XXXX XXXX and McPhail Sanchez has violated the Fair Debt Collection Practices Act ( FDCPA ) by engaging in harassing and abusive behavior and making false statements regarding the alleged debt. 

As a third-party debt collector, you are required by law to provide me with certain information in order to validate the debt. This information includes the name and address of the original creditor, the amount of the debt, and a statement indicating that I have 30 days to dispute the debt. I have not received any of this information from you, and therefore can not verify the accuracy of the debt. 

I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) to request that you provide me with proper validation of this debt. I ask that you provide me with the information required by law within 30 days of your receipt of this letter. If you are unable to provide me with the requested information, please inform me in writing that the debt is not valid. 

Furthermore, their failure to provide proper validation of the alleged debt is a violation of my rights as a consumer. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify any unlawful actions taken by the creditor. 

Until such time as you have provided me with proper validation of this debt, I request that you cease all collection activities. This includes contacting me by phone or mail regarding this debt, reporting this debt to credit bureaus, or taking any legal action against me.
Product: Mortgage

Today XX/XX/XXXX I called JP Morgan Chase to make a payment on the loan that was transferred to them from my old servicer rocket mortgage. At first they were unable to find any account information but then the conversation proceeded into them not being able to accept a payment because my " transfer had not been completed '' and that there was a XXXX blackout for any payments being made. I went to a branch to physically hand them a check and was threatened with the police being called if I were to just leave it in the branch. This conversation was had with the branch XXXX in XXXXXXXX XXXX XXXX 

I have received no paper communication from JPMorgan Chase as of today only a text message and a few emails. 

I believe this mortgage servicer is in violation of the terms of the agreement with them because they will not allow me to make a payment. 

I have attached a picture of the document that I had intended to leave with the bank, pertinent information redacted.
Product: Student loan

I was contacted in 2017 by the Simple repayment company. They told me they would set me up on a payment plan and contact my student loan company and keep me in good standing with them. They said that I was to pay {$49.00} a month until the amount of $ XXXX was paid and they would make all the student loans go away. I agreed to have this done as long as my student loans were dismissed. However this is a scam. When you contact the loan company XXXX XXXX XXXX ( the company that takes the money from my account ). They tell you to contact the original people ( simple repayment ). They were saying that this fee was only for paperwork to be filed on my behalf, however this is not what was told me when I signed up for this arrangement. This company is just a scam to get money from you in hopes that they will take care of your student loans. After discovering this I have contacted the department of education to set up an actual payment plan to fix my account. This company will not longer be receiving any money from me.
Product: Mortgage

These links has the XXXX IN XXXX XXXX created for this matter : XXXX : XXXX? XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX UNLAWFUL NOTICE OF SUBSTITUTE TRUSTEE, AND NON JUDICIAL FORECLOSURE SALE ON XX/XX/XXXX FROM XXXX XXXX XXXX, NAMING THEMSELVES XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX AS XXXX XXXX MORTAGAGEE, AND CLIENT, NAMING MERS AS ORIGINAL MORTGAGEE WITHOUT XXXX XXXX WAS ONLY A NOMONIEE, SEE XXXX PAGE TWO NAMING XXXX AS GRANTOR TO SOMETHING ; THERE HAS BEEN NO DOCUMENTATION, NO NOTICES FROM THE ORIGINAL TRUSTEE XXXX XXXX XXXX XXXX ONLY NOTICE IS ENCLOSED ; NOTICE OF ACCELERATED MATURITY AND NOTE OF NON JUDICIAL FORECLOSURE DATED XX/XX/XXXX DELIVERED XX/XX/XXXX, FROM XXXX XXXX XXXX XXXX THE XXXX XXXX XXXX, CC TO XXXX XXXX XXXX XXXX XXXX XXXX ALSO STATES THAT XXXX XXXX IS ONLY LICENSED TO PRACTICE LAW IN STATE OF MASSACHUSETTS AND RHODE ISLAND. XXXX IS PAGE TWO. AS PER THE CLOSURE DISCLOSURE STATES THAT THER IS NO DEMAND FEATURE ; SEE XXXX LETTER FROM XXXX STATING XXXX IS SUBSERVICER FOR XXXX, HAS NOT STATED RELATION TO XXXX, TRANSFERRED TO XXXX FROM XXXX, AND XXXX IS SUBSERVICER TO XXXX, XXXX HAS NO STANDING WHATSOEVER YET THEY ARE NAMED BY XXXX XXXX XXXX ; Furthermore I require a response from BLACK, MANN & GRAHAM, L.L.P that you have recused yourself from this foreclosure action. If no response from BLACK, MANN & GRAHAM, L.L.P has been received within 15 days then this letter will serve as an admission that the Notice of Default was done in error and you agree to rescind the notice. 

IT was also noted that your PC was not operating during the XX/XX/XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, account opened XX/XX/. This account has been closed for years and is over 7 years old, they are still reporting it as OPEN. Ive asked that they remove it due to it being closed and over 7 years old, each time they come back and say this account is active which is incorrect. I have not touched this account since XXXX. Please remove it immediately.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX Credit Card. I recently discovered XXXX accounts listed on my credit report that I did not authorize and have no knowledge of. These accounts are with XXXX Credit Card. 

I have never conducted business with XXXX Credit Card, nor have I ever applied for or received any credit cards from them. I am concerned about the unauthorized use of my personal information to open these accounts. 

I am requesting your assistance in resolving this matter. I demand that XXXX Credit Card : Immediately remove these unauthorized accounts from my credit report. I require written confirmation that this has been completed. 
Cease all communication with me regarding these fraudulent accounts. I do not owe any debt to XXXX Credit Card, and any attempts to collect payment are unwarranted and unwelcome.
Product: Debt collection

I reached out to Convergent Outsourcing representing XXXX because I found them listed as a collections accounts on my credit report. After speaking with a representative, we agreed to a settlement for a percentage of the total amount they stated was owed, to which they shared that the debt would be deleted. I paid the balance that same day, XX/XX/2020. I followed up with them a few days later to confirm when and how I would be receiving the letter confirming the deletion. I was then told that they do not delete accounts from the credit reports. They mislead me to in order for them to receive a payment from me. I spoke with multiple supervisors who explained they couldn't do anything for me, " Maybe I should have paid the whole balance ... ''. They were extremely rude and condescending. I contacted the original creditor as well ( per Convergent 's recommendations ) and they stated it was not in their power. I was LIED to, this company did not honor their word and deceived me in order to get my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not late on these accounts I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was a XXXX of identity theft I have contacted all three credit buerues and they still have not taken down the accounts open fraudulent by law they should've taken it down so it wouldn't be affect my credit score any longer I am now reporting it here as well and I have done a police report and also with the the federal trade commission as well
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several errors, discrepancies, and unrecognizable accounts that are appearing on my credit report. I have carefully reviewed the information provided by your agency and have identified the inaccuracies attached on the letters.
Product: Checking or savings account

Medicredit Inc. took money directly from my checking account on XX/XX/2020 and I don't have any record of why they did this. I called them, but they haven't called back. I can not access any record of why they took the money. I didn't discover this until much later when I was searching for records of medical bills I already paid and the doctor 's office/medical facility turned over already paid bills to collection. thank you