23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Over winter break from college I started receiving calls from an unknown number. They claim to be a debt collector trying to collect debt in my name, but with my parents phone number and address. They wouldn't tell me about the debt over the phone unless they could " validate my identity '' by me providing the last 4 of my SSN or my address, etc.. 

It sounded like a scam and we refused to provide my personal information and they refused to identify themselves as a debt collector. With their purported company name, it sounded like a law firm. However, they would not provide any information over the phone until I did. We asked them to provide the last 4 of my SSN ( which they were requesting ) and they gave 4 numbers but were incorrect. This further convinces us this is a scam. 

Subsequently we received a letter from the same (? ) outfit, claiming to be McCarthy, Burgess & Wolff- a debt collector. It claims I owed {$2500.00} to XXXX XXXX as of XX/XX/XXXX plus {$450.00} interest ( to date ) for a total of {$2900.00}. 

We subsequently contacted XXXX XXXX XXXX XXXX and searched for the account number referenced and were told we owe no balance to XXXXXXXX XXXX XXXX XXXX, that the account number is an old account number, and that XXXX does NOT use debt collectors. 

As we still don't know anything about this debt, and based on what an hour on the phone with XXXX informed us, we believe there is no debt owed. 

The letter purporting to be from XXXX XXXX XXXX XXXXXXXX states that we can write to them by XXXX ( today ) and dispute this debt and request additional information on why they believe there is any debt or the validity of the debt. 

Immediately after sending this information to CFPB at portal.ConsumerFinance.gov we intend to email XXXX XXXX XXXX at their stated email address and include this complaint number along with our demand that they provide us the requested information and stop calling and contacting XXXX until they comply with that request. 

The bills for XXXX and XXXX XXXX have always been in the names of XXXX 's parents. If they are indeed responsible, it should be noted that elderly & XXXX exclusions apply in this matter.
Product: Consumer Loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXXXXXXXXXX XXXX Dear Sir or Madam, RE : Unauthorized credit inquiry While checking my personal credit report, which I acquired from the XXXX credit reporting agencies, I noticed inquiries made by Springleaf Fin Srvcs, XXXX XXXX, XXXX GA XXXX Phone : XXXX Since I have not, authorized anyone employed by your organization to make an inquiry personally or via the internet, you are not legally entitled to make the inquiry. Therefore, I request that you contact the concerned credit bureau and remove the unauthorized hard inquiry immediately, under the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. I also request that you remove my personal information from your records. Please send me a written confirmation that you have complied with my requests. 
I 've a credit fraud alert attached to my file and have not been notified of such an inquiry. 
If this was an attempt to obtain services or credit, it was fraudulent. 

Sincerely, XXXX XXXX DOB : XX/XX/XXXX SS # XXXX
Product: Credit reporting or other personal consumer reports

I've disputed addresses that aren't recent and I've disputed incorrect information. To no avail, it's still being reported the same way as before.
Product: Credit card or prepaid card

On XX/XX/2022 I had XXXX Unauthorized purchases on my Cash App credit card. This all happened while I was sleeping from XXXX till XXXX. My account is obviously compromised and all XXXX transactions were from companies outside the USA. 

The day before I had two transaction that happened, one from XXXX XXXX XXXX for {$620.00} & one from XXXX for {$100.00} but both were canceled. I didn't know of either company, so I contacted Cash App and told them about them and asked if I should cancel my card. I was told they didn't see anything wrong and just to monitor purchases. That night XXXX unauthorized charges for over {$1800.00}. 

I have canceled the card and I can still see charges being made to the old card account. Today is XX/XX/XXXX, and I havent heard anything back regarding the disputes and havent received any refunds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks!

ACCOUNT NAME : CAPITAL ONE, ACCOUNT # : XXXX, DATE : XX/XX/2016, BALANCE : XXXX, REPORTING ON : XXXX ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/2016, BALANCE : XXXX, REPORTING ON : XXXX.

ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/2016, BALANCE : XXXX, REPORTING ON : XXXX.
Product: Money transfer, virtual currency, or money service

I want all money that was reported to be refunded.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These companies are reporting fraudulent inaccurate information on my credit report. I have requested that they provide me with purchase agreement to show full ownership of such account and also other documents I may review to see the accuracy of said account. I understand my rights under 15 U.S.C. 1681 Sec. 602 A ; and 15 U.S.C. 1681 A ( 2 ). I was never notified in writing per 15 U.S.C. 1692 prior to accounts being on my credit report within 5 days. Moreover, these accounts violate debt collections and abusive and unfair practices under 1692f ( 1 ) ; in furtherance, 15 U.S.C 6802.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit card customer service conversation about this new card on XX/XX/XXXX revealed that late payment reporting was in error. 
XXXX has since corrected the issue on my account statement by crediting the previously recorded late payments and have reported to me, XXXX XXXX that they have also reported to the 3 credit bureaus this error for correction. Please note that this issue caused my credit score to decrease up to XXXX points in one month on XXXX and should reflect the correction by XXXX XX/XX/XXXX and an increase in score all around. 

XXXX XXXX card {$700.00} credit limit Card # : XXXX On XX/XX/XXXX {$59.00} annual fee due on XX/XX/XXXX Not informed Late fee XX/XX/XXXX XXXX still showing past due 30 days on all credit reports, equifa, XXXX  and XXXX as of today XX/XX/XXXX. 
Late fee XX/XX/XXXX XXXX still showing past due 30 days on all credit reports, equifa, experian and XXXX as of today XX/XX/XXXX. 
{$3.00} monthly statement fee errorbut still showing past due 30 days on all credit reports, equifa, XXXX  and XXXX as of today XX/XX/XXXX. 
{$90.00} is past due as of today error but still showing past due 30 days on all credit reports, equifa, XXXX  and XXXX as of today XX/XX/XXXX. 
I never received a statement they never connected the cards online as I requested and by error, reported to XXXX, equifax and XXXX a 30 day late payment XXXX the Customer Service Supervisor ( XXXX ) XXXX Is the supervisor Spoke to on XX/XX/XXXX XXXX agreed to remove all fees and charge only {$59.00} for annual fee and stated that she has sent a request to correct and delete the 30 day late reporting t to all three ( 3 ) credit bureaus that the payment was never late due to the fact they were sending bills to an address I did not provide to them in error, hence, i never got them as this was a new credit card offer in the first place.
Product: Consumer Loan

I bought a merchandise using " Amazon Store Card ''. Its essentially a line of credit extended through Synchrony Bank. Like many other consumers Amazon lured me by offering an interest free period. However, a few weeks later I received a letter confirming my enrollment in the XXXX XXXX XXXX that charges {$1.00} for every {$100.00} in balance per month. I HAD NEVER SIGNED UP FOR THIS SERVICE and AMAZON and or Synchrony decided to sign me up without my explicit and written consent. 
I have been an amazon customer for 15 years and an amazon prime for over 8 - its rather unusual and flabbergasting to see amazon practice such tactics to nickel and dime their customers.
Product: Vehicle loan or lease

MY bank USSA is telling me that, I am responsible and liable to pay a vehicle loan I had taken out on XX/XX/2023 for XXXX to purchase a vehicle, a vehicle I never received from the dealership and do not have. the dealership committed fraud and filed for bankruptcy 3 days after receiving full payment from the bank on XX/XX/2023. I never received the vehicle nor was it ever in my possession. the bank wired the full payment to dealership account and didnt secure lien on this vehicle. The bank dont have the title or a lien hold on this vehicle. The bank did not secure the lien and dose not have the vehicle as collateral. So they are saying I am responsible even though the dealership breach of contract and breach of the New Hampshire Consumer Protection Act. That I am still at fault for the dealerships crime. The bank said Because the contract was with me and not the dealership I am responsible. I dont see how I would be at fault to pay back the loan. I have no vehicle and the bank has no collateral or Title on the vehicle. The bank doesnt own this vehicle because the lien was never secured on the vehicle I was trying to purchase.

I called USSA Numerous times to inform them about the dealership fraudulent scam so that we can collectively go after the dealership so they could pay USSA back. But USSA did not look into the situation even after I provided them with all the Documents.
Product: Debt collection

Please help me! I feel I am being taken advantage of by XXXX and XXXX XXXX and North American Recovery Inc. I had an account with XXXX Bank. That account was closed. I did not think there was a balance once the account closed. I have never been notified about this account. I never had the reason to look into my credit until now because I received a letter from the attorneys office about this debt. 

I have opened a dispute with the credit bureau as well as XXXX Bank, N.A.R. Inc & XXXX and XXXX XXXX. I feel this debt should not have gone to an attorneys office. I never received written notice or final notification. 

Every time I ask for additional information I just get a rude response. Calling XXXX and XXXX they keep transferring me to different departments giving me a hard time. 

Please help me get this account validated and authenticated. The balance is {$4800.00}. 
Ref. # XXXX - XXXX XXXX XXXX XXXX I have requested billing statements to verify debt as well as if they ever sent legal notices notfiying me this account was sold to XXXX.
Product: Credit reporting or other personal consumer reports

To whom this may concern, I have recently took a look at my credit report and noticed quite a few things that werent correct as a result of possible fraud. According to 15 U.S. 1681c-2 ( block of information results from identity theft ), the following items must be blocked, however, I would like them removed because I did not authorize them. Failure to do so will result in me taking legal action against companies listed in this dispute. 

The following items are a result of fraud and the following companies are reporting them : Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX equifax mortgage servi XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX equifax mortgage servi XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX equifax mortgage servi 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX while writing out bills, I noticed that Home Depot was not applying any monies to the deferred interest accounts that we have with them. Since XX/XX/XXXX I have been making payments, assuming that the deferred accounts were being paid down. I now have over {$1500.00} that has never had one dollar applied to the account.

I called Home Depot on XX/XX/XXXX and spoke with a representative and a supervisor that told me they do n't have to do that and I would have to call them each month and tell them where to apply the monies I paid. I told them there is nothing that I could find on the bill that indicated I would have to do any such thing. I told them it was unethical and it was obvious that they offered the no-interest as a way to get more money from their customers.

I am an authorized user on the card and I then tried to re-direct the XX/XX/XXXX payment to pay part of the no-interest accounts, at that time they would not allow me to make the changes and would have to have my husband make those changes.

Unethical, lying cheats!!!
Product: Checking or savings account

Someone stole my cards one of which was a td bank card. All other consumers helped me promptly, but tdbank denied my claim twice even after police report was filed. They offered no assistance with trying to find the person responsible. I asked why wasnt provided a photo? The manager said they cant show pictures of the person who has taken money out my account. As if they are protecting the person or protecting themselves from not securing the money I placed in the bank to be safe from being stolen. Ive banked with them several years having no problems and now all of a sudden Im a bother to them. They were more than happy to assist me into banking with them, but cant help a customer get compensation for their money.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Protecting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 US Bankruptcy CourXXXX XXXXXXXX XXXX  case # XXXX 15 U.S.C 1681 SECTION 602 A States I have a right to privacy. 15 U.S.C 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : that no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S, C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am a survivor of XXXX XXXX, during which I was subjected to coercion and exploitation. As a result of this experience, several adverse credit accounts were opened or debts were incurred without my consent or knowledge. These accounts have caused significant financial and emotional hardship. 

I am requesting the removal of these fraudulent accounts from my credit report under the Fair Credit Reporting Act ( FCRA ) and the Debt Bondage Repair Act ( DBRA ). The accounts in question include [ e.g., XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, etc. ], which I have detailed in my supporting documents. 

I have attached a XXXX XXXX XXXX XXXX XXXX XXXX issued by a recognized XXXX certifying my status as a XXXX XXXX as well as additional documentation to support this claim. I ask that these accounts be blocked and permanently removed to reflect my rightsasasurvivor.
Product: Debt collection

I filed a CFPB compliant case number # XXXX against RAS Lavrar , LLC and they responded partially to my complaint on XX/XX/18, which they did inform me that they are preparing to send me the validation of the alleged debt, however I requested that lawsuit against me to cease and I also request for no one to come out to home to discussed this matter, however they did not respond to neither request or give any details. They only stated that XXXX XXXX XXXX is suing me for the alleged debt. And again I am requesting the lawsuit be dropped by both RAS Lavrar and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumers right to privacy and confidentiality u see 15 USC 1681. 

Account name : XXXX : # XXXX, Acount name : XXXX XXXX XXXX  : # XXXX  account name : XXXX XXXX  # XXXX, account name : XXXX # XXXX, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item if information, other then records of convictions of crimes which antedates the report by more then 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumers reporting agency if the person knows or have reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Chex systems is reporting information that should be under a bankruptcy preventing me from reestablishing my credit and to obtain a bank account
Product: Credit card

I WENT TO FIRST HORIZON BANK LOCATED AT XXXX XXXX XXXX XXXX XXXX LA XXXX ON OR AROUND THE XXXX XX/XX/2025 OR XXXX XX/XX/2025. I WENT IN TO THE BANK TELLER WINDOW TO RECEIVE A COPY OF MY CREDIT CARD STATEMENT BECAUSE I HAD BEEN BLOCKED ON MY BANKING MOBILE APP DUE TO ME FILING A DISPUTE ON FIRST HORIZON BANK THE PREVIOUS WEEK. I WAS APPROACHED BY XXXX XXXX AND INFORMED THAT SHE EMAILED ME THAT I WAS NOT TO COME ON ANY FIRST HORIZON BANK PREMISE 'S AND THAT I WAS TREPASSING. I WAS ORDERED TO LEAVE HUMILIATED AND CONFUSED. MIND YOU MY DISPUTE WAS OVER FIRST HORIZON BANK PUTTING A FRAUDULENT CHARGE ON MY CREDIT CARD FOR {$250.00} ON OR ABOUT THE XXXX OF XX/XX/2025 THAT STATED I OWED XXXX XXXX {$250.00}. MY ELECTRIC BILL ISN'T DUE UNTIL THE XXXX OF XX/XX/2025 DUE TO XXXX! I WENT IN TO THE BRANCH LOCATED ON XXXX XXXX XXXX XXXX LA ON THE MORNING OF THE XXXX OF XX/XX/2025 AROUND XXXXXXXX XXXX AFTER I REPORTED THE FRAUDULENT CHARGE ON THE EVENING OF THE XXXX OF XX/XX/2025. FIRST HORIZON BANK WHICH HAS CREATED A FLASE NARRATIVE FOR THE CORRUPTION THAT IT HAS BEEN CONDUCTING FOR HOW TO CONSUMERS? I REPORTED THE FACTIOUS NAME ON THE CHARGE TO A XXXX XXXX ON THE XXXX OF XX/XX/2025 ONLY TO FIND OUT A DAY LATER THE NAME CHANGES ON THE FACTIOUS CHARGE FROM XXXX XXXX TO XXXX. THE ONLY ONE I TOLD XXXX XXXX XXXX THIS INFORMATION. I PAID AT THE BANK TELLER WINDOW TO A BANK TELLER NAMED XXXX! A TOTAL OF {$3600.00} IN FULL WHICH INCLUDED THE FRAUDULENT CHARGE OF {$250.00} WHICH THERE WERE NO PENDING CHARGES!!! WHICH PUT MY ACCOUNT AT A XXXX BALANCE. FIRST HORIZON BANK USING THEIR CREATED NARRATIVE REVERSED MY PAYMENT WHICH SHOULD HAVE POSTED TO THE ACCOUNT IMMEDIATELY!, AND ON THE XXXX OF XX/XX/2025 REPORTED TO ALL THREE CREDIT BUREAUS A TOTAL OF {$3800.00} BALANCE AND A UTILIZATION OF 77 %. THIS WAS VERY DETRIMENTAL TO ME PURCHASING A HOME. THIS WAS ALSO DETRIMENTAL TO MY FAMILY FINANCIAL STABILITY. MIND YOU MY PAYMENT FOR MY CREDIT CARD IS DUE ON THE XXXX OF EACH MONTH, THIS WAS REPORTED ON THE XXXX OF XX/XX/2025. MY CREDIT CARD STATEMENT IS DUE ON THE XXXX OF XX/XX/2025.
Product: Money transfer, virtual currency, or money service

PayPal is holding my funds for over five months.
Product: Credit card or prepaid card

Account were paid up to date and the account still shows negative on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is failing to comply with section 609 a/1 of the FCRA. I am requesting the original consumer signed contract for 4 accounts on my credit report and they are failing to comply. XXXX XXXX XXXX and financial recovers are failing to comply as well. I have tried for over a year to obtain this information and there has been no success in receiving such information.
Product: Credit card or prepaid card

I have the XXXX card with the higher {$99.00} annual fee. I used my card on XX/XX/XXXX on a XXXX flight and have not received the 50 % and bonus points for in flight purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not or ever had XXXX XXXX XXXX XXXX credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A : States that I have the right to privacy.

15 U.S.C. 1681 section 604 A : It also states that a consumer reporting agency can not furnish a account without my written Instruction.
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX XXXX 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: Debt collection

I had recently went in XXXX XXXX to start my credit and I noticed a collection for XXXX that was opened XX/XX/2023 it does not state where this has came from it just states the original creditor collection and I dont owe any collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite several written requests, the following accounts are still reported as 90 days late in XXXX  and are in violation of Federal Law. I'd like to point out that XXXX and Transunion stated in writing that they verified that these items are being reported correctly? Who verified these accounts? I have attached Case ID XXXX, a detailed report from XXXX showing that the following accounts are not past due and were never 90 days past due : Creditor - XXXX, Last four digits of account numbers- # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, and # XXXX. Please update all of my Student Loan Accounts and remove the late payments.