23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I.C. System, INC has not only violated my right to privacy, but has also threatened to ruin my reputation by reporting the collection to national credit reporting agencies. They are not the original creditors and should not be threatening to report this collection on my credit report.
Product: Checking or savings account

On the XXXX of XXXX I checked my bank account and saw all of my money gone. Approximately {$4300.00}. I noticed that I did not have my wallet the day before but it did not raise any concern because I assumed that I misplaced it in my car. I also checked my account on the XXXX and my account was fine. This, again, did not raise any need for concern. I called Chase as soon as I saw these charges and was told that I did not have to do anything. They said that they will issue a temporary credit and that there isnt much else that I need to do while they investigate. A little over XXXXwo weeks pass and the bank takes half of my money away. I call them and they told me that my claim was denied because of a payment that I made on the XXXX. I spent {$550.00} at a muffler shop. I stayed at this shop for close to 5 hours so this took up most of my day. I did not have my card so I used XXXX XXXX which is my go to for purchases anyways. Despite me making the payment on the XXXX the payment was posted on the XXXX which is not unusual for XXXX XXXX payments. The investigators, despite having the ability to see that I made this purchase on the XXXX via XXXX XXXX, decided to overlook this and deny my claim. This was the only reason that I was given and I was told that I need to provide proof that I used XXXX Pay on the XXXX. I faxed them a copy of my receipt and had a supervisor type up a detailed claim for me. She was quite confident of my approval odds. I believe her name was XXXX and she was based in Texas. Less than a week later my bank over drafted my account and I now owe them {$700.00}. When I called asking why, they said that they declined my new claim and that it was because I had my pin written down in my wallet which is not fair because regardless this person stole my wallet and wouldve been able to buy stuff with or without my pin. It took me over a week of continuously calling them for them to finally give me every reason why my claim was denied which is illegal. I shouldve been told immediately. They claimed that because my account is less than a year old and that I was using my money after they issued a temporary credit that this was all suspicious to them. None of the reasons that they have given me are fair or prove me responsible for getting robbed. I would also like to mention that I was being told not to contact the police because it would not make a difference. But occasionally I would have people telling me that I should contact the police so I was receiving contradictory advice from their department. Finally they gave me the addresses of the places where my card was used and tried to make me request pictures from their security cameras. Of course, those stores told me that I need a police report. On the XXXX of XXXX I filed and faxed my police report and Chase has yet to get back to me on that. All and all the claims department has been very unhelpful and unwilling to take responsibility for their mistakes. Ive even had moments where they would just hang up on me or pretend to transfer me over to a supervisor and just hang up after having me on hold.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX  US.C. 1681 section 602 .A States I have the right to privacy.

51 US.C. 1681 Section 604 A Section 2. I t also states a consumer reporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held {$10000.00} per violation. 


Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification on my XXXX, XXXX, and XXXX   report that a Midwest Recovery  System or Midwest Recovery System, LLC had reported a collection on me in the amount of {$500.00}. I sent a certified letter asking for proof of the debt on XXXX XX/XX/2019. I sent it to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX. It was forwarded to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. It was marked return to sender XXXX XX/XX/2019. Since this time, the address and contact information on my credit report has either been changed or deleted. I called when the letter returned to my mailbox and asked that they provide a proper address for me to communicate with them. The person on the phone only tried to get my personal information. ( account numbers, email address, last four of my ssn, where I work, etc ) I did not use this company which they report on two credit reports as XXXX and on the other as 12 XXXX. I feel this is fraud. It has caused my credit score to drop significantly, and this appeared only after I had started doing so well with cleaning up my report. The letter that I was sending merely asked them to provide me proof of the debt so that I could make a sound decision on what steps to take next.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I received a letter that CFPB that there was a settlement with GreenSky LLC. The letter guidelines said to go to a secured website www.greenskyprogramsettlement.com in order to apply to see if I was eligible for compensation. On XX/XX/XXXX, I received a check of {$24000.00} that was erroneously addressed, my name was incorrect. Since my name was addressed wrong, my bank would not accept the check. The check only had two last names, in wrong order and did not include my first name. I have never paid my account and my account was never set-up with the two last names in the wrong order and I always paid with my first name and last name, not the two last names in wrong order. 

I called on XX/XX/XXXX and I was told to submit an inquiry at XXXX. I also called and spoke with XXXX and she told me to send documents with my correct name and to void the check in order to process a new check. I sent via mail per their request on XX/XX/XXXX and on XX/XX/XXXX I also sent via email. I never received any responses via mail or email. I sent via email multiple times documents that showed my name on payments and their letters that showed my correct name. I continued to call the XXXX to get updates and all the people I spoke with said to wait 3-4 weeks. 

XXXX ( account rep ) told me on XX/XX/XXXX said that Greensky is not authorized so they can't change the name and to call Greensky directly, so I called GreenSky and they also told me that they can't help me. Finally on XX/XX/XXXX per another conversation with XXXX ( another rep ) requested that I write another letter to explain my situation again. My last call was on XX/XX/XXXX and XXXX said that she would investigate on Friday or the following Monday but I never received a call back. I proceeded to send another email on XX/XX/XXXX. Please help me, I have not had a response, my account was never set-up with these two last names in wrong order and without my first name. I still have not received a new check.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 i requested Synchrony Bank remove late payments that were reporting on my consumer report. That responded that they reviewed my account and verified the payment history was reporting accurately ; stating the late payments were verified. 

Pursuant to 15 usc 1666b ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Pursuant to 15 usc 1692a ( 5 ) " debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. 

As a consumer, I am not obligated to pay any alleged debt. 

Pursuant to 18 usc 8, all obligation is that of the United States. a The individual action Synchrony Bank performed does not comply with any of the laws that i listed above.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  misused my personal information. They opened accounts without my consent which are showing on my credit report. This is a breach of my right to privacy and I will hold them accountable for this.
Product: Credit reporting 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 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There was improper use of credit reporting, Ive Notice several fraudulent inquiries on report one happening on XXXX XXXX XXXX XXXX, Another reported on XX/XX/2023 XXXXXXXX XXXX  and on XX/XX/2023 Georgias own credit. Please have removed at earliest convenience, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking at my credit report after my identity has been compromised some time ago I've noticed many accounts inwhich I have absolutely any knowledge of, so big and some small but I'm still taking the same steps in removing and recovering them all. These reporting unverified items I'm disputing and asking for physical documentation for each. Documentation that will afford me physical evidence as stated in the FCRA literature. I want to know who, when, and where investigated these following accounts and I'm requesting an updated correct report. Items in dispute and requesting to block from report if not supported by physical and tangible documentation. 
1 ) XXXX XXXX XXXX {$55.00} 2 ) XXXX XXXX XXXX   {$530.00} 3 ) XXXX XXXX {$490.00} 4 ) XXXX XXXX {$370.00} 5 )  XXXX XXXX {$500.00} 6 ) XXXX XXXX XXXX {$3.00} 7 )  XXXX XXXX XXXX XXXX {$220.00} 8 ) XXXX XXXX XXXX {$200.00} 9 ) XXXX XXXX XXXX {$530.00} 10 ) XXXX XXXX XXXX XXXX {$370.00} 11 ) XXXX XXXX XXXX $ XXXX 12 ) XXXX XXXX {$200.00}, {$490.00} 13 ) XXXX XXXX XXXX  {$2.00} 14 ) XXXX XXXX {$510.00} 15 ) XXXX  {$0.00} 16 ) XXXX XXXX {$0.00} 17 ) XXXX XXXXXXXX {$0.00}
Product: Checking or savings account

I opened this dispute XXXX, On XX/XX/2024 I received the attached letter saying that the provitional credit give for an amount of {$3.00} has been completed and approved. 
But even that all the provitional credit were reversed from my account making my account been overdrawn for a couple of weeks. 
Please fix this issue and reimburse the pending credit
Product: Credit reporting or other personal consumer reports

I am writing to complain to TRANSUNION about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and my name is XXXX XXXX. My birthdate is XXXX. The FTC report numbers related with this complaint are XXXX and XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 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 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: Debt collection

I am fully insured. Yet, a medical facility, XXXX XXXX in XXXX XXXX Fl. incorrectly filed my insurance claim 3 times. The XXXX said they did not get authorization, XXXX XXXX XXXX XXXX XXXX denial letter claimed XXXX was not covered due to an old injury. I thought preexisting conditions were not an issue these days. This leaves me with the debt of {$16000.00}. Transworld Systems , Inc XXXX XXXX XXXX bought the debt and have tacked on {$530.00} in INTEREST for a XXXX week period. I should not even owe this debt. XXXX XXXX had incorrectly filed my medical insurance claim for my procedure 3 times. 
XXXX complaint is against Transworld Systems for charging an exorbitant interest rate. Another complaint is against XXXX XXXX XXXX XXXX for denying a valid claim. 
Last complaint against XXXX XXXX XXXX of XXXX XXXX for negligence in theri billing process and lack of good faith adjustment given this was mostly their fault.
Product: Checking or savings account

I was first XXXX for 9 months then I was XXXX  and still is an unauthorized person has gotten a hold to my debit card and been using it for the last XXXX XXXX months. Ive provided documentation that Im in the XXXX  as well as a police report at the bank is refusing to do anything.NFCU Has a history of denying customers fraud claims without even looking into it. Something needs to happen Im a widow and need my funds. Ive been with NFCU 4 Years and never disputed anything.
Product: Debt collection

XX/XX/23 XX/XX/23 XX/XX/23 I have been asking and submitting information about an item they have but this will not issue me ang WRITTEN notification ( s ). All I get is the RUN around. Bad customer service. No validation on/for what the say in written form!! 
XXXX TRS Recovery Services , Inc. XXXX XXXX XXXX XXXX, GA XXXX XXXXFax
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account name XXXX XXXX XXXX XXXX, Account name XXXX XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX # XXXX, Account name XXXX XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXX, Account name : XXXX XXXX  XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX  XXXX, Account name : XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX  XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXXXXXX, 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 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 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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Pheonix financial service is a third party debt collector attempting to collecting an alleged debt and have access to sensitive information that was not authorized to be shared with them. I have communicated with the company through certified mail and this issue has yet to be corrected or resolved.
Product: Prepaid card

I received a gift card ( {$100.00} value ) as a gift in original package. On XX/XX/XXXX I opened the package and went shopping at a local grocery store. The card only showed of balance of {$12.00}. I verified the transaction history and it showed a transaction of {$84.00} on XX/XX/XXXX ( before even opening the card package ). Called customer service at the number indicated on the card. They wanted my fax number. I explained that I do not have a fax. They asked me to fax copies of the card and the package, which I did on XX/XX/XXXX. I expect a reimbursement on the {$84.00} transaction I did not authorized.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XX/XX/XXXX : Account Name : XXXX XXXX XX/XX/XXXX : Account Name : XXXX XX/XX/XXXX : Account Name : XXXX XX/XX/XXXX : Account Name : XXXX XXXX XX/XX/XXXX : Account Name : XXXX XXXX XXXX XX/XX/XXXX : Account Name : XXXX XXXX XXXX XX/XX/XXXX : Account Name : XXXX XXXX XXXX XXXX XX/XX/XXXX : Account Name : XXXX XXXX XX/XX/XXXX :
Product: Debt collection

I thought entered into a consumer credit transaction with Comerica a few years ago. However, it seems I was deceptively lured into a consumer credit transaction with XXXX XXXX XXXX. I recently sent XXXX XXXX XXXX a debt validation letter over three week ago. I am yet to receive a response back about this correspondence. XXXX XXXX XXXX took monthly cash payments for a credit card I used for consumer credit transactions which included finance charges. I am curious to understand why they would do this? Attached is my debt validation letter that was sent and received/ signed for at that specific address/location.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing a complaint to you today to inform you I was the victim of identity theft and I want the erroneous accounts in my credit report to be removed immediately. I already sent the necessary documents and files in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this website. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXX .... Balance : {$490.00} XXXX XXXX XXXX .... Balance : {$1300.00} XXXX XXXXXXXX .... Balance : {$590.00} XXXX XXXX XXXX XXXXXXXX .... Balance XXXX {$530.00} XXXX XXXX XXXX  XXXX Balance : {$700.00} XXXX XXXX XXXX .... Balance : {$760.00} XXXX XXXX XXXX .... Balance : {$350.00}
Product: Consumer Loan

I have a car loan with consumer portfolio. After falling on hard times due to the loss of my job and my income going down i fell behind on payments. I took my loan out in 2012 i think. They constantly called and harrassed my personal referances giving them info about my loan without my permission and constanly called me at work after being told not to do so. They recently repoed my car for being in default they didnt even try to work with me and refused to lower my monthly payments