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

This is in regards to account number XXXX with XXXX XXXX XXXX is claiming I owe {$470.00} to XXXX XXXX and account number XXXX with XXXX XXXX XXXX claiming I owe {$480.00} to XXXX XXXX. To Whom It May Concern. I am a victim of identity theft and I have recently found several accounts that have been fraudulently added to my credit report. Account # XXXX with XXXX XXXX XXXX is claiming I owe {$480.00} to XXXX XXXX. Account # XXXX with XXXX XXXX XXXX is claiming I owe {$470.00} to XXXX XXXX. None of these accounts are mine. In fact, XXXX completed an investigation with each of these fraudulent accounts in the past and had them immediately removed from my credit report. Attached you will find several documented pieces of evidence that has been filed with local law enforcement and other government institutes for these illegal accounts. Please review the following evidence : Office of the Attorney General of Virginia Notarized documentation that XXXX XXXX XXXX and XXXX XXXX XXXX have created fraudulent accounts. FTC Report Number XXXX for the Fraudulent account # XXXX with XXXX XXXX XXXX. FTC Report Number XXXX for the Fraudulent account # XXXX with XXXX XXXX XXXX. Police Report with XXXX County Sheriffs Office Incident # XXXX reporting identity theft that has led to several illegal accounts on my credit reports. Please have these accounts removed immediately from my credit report. Because as I mentioned these items have been reinserted on my credit report under a fraudulent account number and name. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the XX/XX/XXXXPlease govern yourself accordingly. XXXX XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX  XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXXXXXX # 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 XXXX # XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # 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: Credit card or prepaid card

On XX/XX/XXXX I was scammed into a purchase at a XXXX XXXX  which I thought was for a friend. Within hours I discovered the scam and called Capital One indicating that this was an unauthorized purchase and to stop the transaction. Instead they did nothing and referred me to dispute process that was inapplicable in this situation. The terms of this card state '' You will not be responsible for transactions on your account that are unauthorized ''. I have send several letters with documentation to the legal department but they do not respond but rather rely on their dispute procedure which does not address scams. The company denied my claim based on the fact that I benefited from the transaction when Capital One had no mechanism in place to immediately respond I reported this matter to FTC as well. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX. 

The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Debt collection

The XXXX XXXX property management company failed to provide accurate and consistent billing notices that resulted in missed payment and their premature and unreasonable forward of account to the Schwartz Vays collection agency. In XX/XX/2023, I received an emailed statement reporting the need for {$200.00} HOA payment. As I was out of town, I attempted to pay this fee electronically. The account had been disabled. I assumed this to be a technical glitch. When I returned to Georgia, I had received a mailed statement reporting a delinquency greater than {$200.00} and a payment deadline that was after my attempted electronic payment, but prior to the actual payment. I contacted XXXX to report the premature account closure and the confusion stemming from the XXXX statement that omitted the delinquency notice. In addition, while out of town, I had no access to the mailed notices and relied only on the emailed notices I had grown accustomed to. I mailed the requested payment to their attention. In XXXX, my account was still inaccessible. I contacted XXXX who reported that, despite my contact and agreement to mail the payment upon notice of issue, the account had been forwarded to Schwartz Vays with a {$300.00} collection fee attached. XXXX refused further communications and refused to provide the contact information of XXXX board members who made the decision to forward the account in spite of earlier protest. XXXX reported that the information was within the account that they had disabled. No further assistance was provided. By the time Schwartz Vays processed the payment, my XXXX  dues were 2 months delinquent : XXXX and XXXX. They refused to release my account as a result. In XXXX, I contacted Schwartz Vays to report a mailed payment in full, as there was a $ XXXX fee attached to e-payments. To date, the payment has not been processed and I am again delinquent for the month of XXXX while I am also being assessed daily collection interest fees. I can not relieve myself from this cycle of negligence, as I am at the mercy of the Schwartz and Vays processing timeline and their notice to XXXX of account closure. This practice is entirely unethical and impractical.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/2023 XXXX XXXX XXXX, XXXX XXXX XXXX on XX/XX/2023 also XXXX, Equifax, XXXX did not have my consent to report information on principals consumer report pursuant to 15 USC 1681 b ( a ) 2 Permissible purpose of consumer reports, and 15 USC 6802 ( b ) ( 1 ) ( b ) which they are in direct violation of my rights.
Product: Vehicle loan or lease

XXXX BMW & BMW FINANCIAL SERVICES both are in Violation of Title 15 by using deceptive forms, language, mode of operation along with deceptive tactics. This Notification is for all principals, franchises, agents, Government actors Et al On the XXXX of XXXX, at approximately XXXX hours. I arrived at the XXXX BMW Dealership located at ; XXXX XXXX XXXX XXXX, California XXXX. I was met by a salesperson, XXXX XXXX who proceeded to provide the following information. He stated that BMW Financial Services has a numerous stipulation and require XXXX as a down payment. He further stated I needed to provide insurance, which is also false and misleading. I advised XXXX XXXX that I wanted to acquire an Automobile via a Consumer Credit Transaction and NOT a loan. He responded by saying he didnt know what that was. I advised him that Ignorance of the Law is No excuse. All Automobile Dealerships Participates in Truth in Lending Act, including XXXX BMW therefore it should be known to all within the Management and sell team. He further stated that BMW Financial Services was lending me credit. Which is false and misleading due to the fact that the origin of the credit is the consumer, the original creditor making the extension of credit to XXXX BMW and BMW FINANCIAL SERVICES because they both ran my credit and gave me without nothing in return. BMW FINANCIAL SERVICES sent me an adverse letter stating that the went to a third party for decision making on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN XX/XX/XXXX MY INFORMATION WAS USED to open a lease from a creditor named XXXX XXXX XXXX XX/XX/XXXX my identity was stolen and used for unemployment benefits, the thieves also tried to apply for multiple items via internet but was unsuccessful due to me putting a freeze on my credit report, but before i could freeze my credit report i had accumulated a total of 3 unauthorized / fraudulent inquiries which are from XXXX XXXX / XXXX XXXXXXXX XXXX. i do have a XXXX XXXXXXXX account but some one else tried to apply for another XXXX XXXXXXXX card with out my permission. I have reported all incidents to local and federal authorities.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries XXXX XXXX XXXX XXXXDate of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX -Date of inquiry : XX/XX/XXXX
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

JPMCB CARD SERVICES XXXX, JPMCB - CARD SERVICE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of account below have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

: XXXX XXXXXXXX XXXX XXXX XXXX XXXX ACCT NO # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCT NO # XXXX3 / 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681c. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAYMAKE ANY CONSUMER REPORT CONTAINING AN OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORD OF CONVICTION 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 AND CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE
Product: Debt collection

I would like to file complaint against XXXX and XXXX XXXX. This is a third party debit collector. I have a very old debit from 2009. I have proof and documents that I had a payoff and settle agreement with another collector. XXXX and XXXX decided to garnish my wages on the same account. When I recieved notice of the garnishment I submitted proof from the other collector the settlement prior to the court date. XXXX and XXXX advised that they will not except the documents I sent and that if I paid over {$13000.00} to them they will close the account. I told them I dont have {$13000.00} and they told me they were going to go ahead and garnish and there was nothing I could do. Of course I do not know my legal rights and thought that because this stamped paper I had no defense. I then proceed to get multiple calls from other collectors for the same account. One collector advised that they would garnish my wages and I had to send proof. This got me thinking how and why. I called the origional collector and they advised on two seperate occasions that my information can be put back into the system. I called XXXX and XXXX and I guess they have held on to this account for a long time letting it build interest. When I asked why they didnt contact me they said they sent a letter over a year prior which I never recieved. When I asked why they didnt except my proof they acted like they had no idea what I was talking about. When I asked who is collecting the interested they could not give me a answer, when I mentioned I was going to record our call they hung up on me. When I asked for verification they sent me a court paper with some other collector on it, nothing said XXXX and XXXX only the envelope it came in. I found out I can contact court documents and get the same thing, I can also print off a wage garnishment form online as well. I contacted the origional collector Velocity Investments. I was able tosubmit the proof to them. I got a call the day after I submitted the proof and they advised that this account should be closed. I had a hard time but was able to get to the collector I had the settlement with for a payoff. I submitted this to Velocity and they still havent closed the account. I have now been garnished over {$8000.00} on a settlement of {$2800.00} I also had to pay over {$200.00} in fees. This is extorshion.
Product: Debt collection

We have received repeated calls from Van Ru Corporation ( XXXX ) claiming we owe a debt and to call back. Knowing htat they are known as scammers, and we do not have any debts that we know of, to include reviews of our credit reports, we want the calls to stop. After several contacts, they should have mailed us the information they claim regarding a debt owed.
Product: Debt collection

False statement and representation : 1. Continues to unlawfully report as collection every single month extending statute of limitations 2. Failed to provide Debt validation and verification confirming details of debt, Legal ownership of debt including original contract & payments. US federal codes 15 USC 1692 ( c )
Product: Credit card or prepaid card

This bank closed many self account, this synchrony bank never I pay late any account and never had negative in me credit so is not fear because me score was damage because of them I need take action with this company.
Product: Credit card or prepaid card

Citi Card is engaged in fraudulent and deceptive pattern in charging fees and interest -- even after full payment is done way before the due date. While paying on-line, the following statement appears in their payment tab : A. " This is remaining amount owed to satisfy your last statement balance. '' {$41.00} Ex " 3. '' B. The last statement balance was {$63.00}. Ex " 2. '' C : If we do not pay statement balance of {$63.00}, Citi card charges fees and interest.

D : When we tried to pay {$63.00}, Citi Card stated : " That payment is too large. You can only pay your current statement balance plus 7.5 % which is {$44.00} '' See Ex " 3. '' C : See Ex " 1 '' for current balance.

Citi Card was told about this problem but they ignored everything in past. This is FRAUD ; and done with criminal intent to deceive. A class action suit is needed against Citi Card. 

We do not want any phone calls from Citi card. They must respond in writing by email. 

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

EXPERIAN is reporting two accounts XXXX XXXX XXXX, ACCT NO XXXX and XXXX that should not be reporting as medical collections on my file.BOTH services at the original creditor were adequately insured but not properly billed.They should be removed from my file.Experian refuses to reinvestigate these fraudulent billings and collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX OTHER 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 section 2 : It also states a consumer reporting agency can not furniture an account without my written instructions.
Product: Debt collection

AARGON Agency has choose to continue reporting an invalid debt even while debt was immediately disputed. Attached you will see both of my ID from the last decade and see how neither match address AARGON is stating they have verified. Even with information AARGON has continued reporting damaging information to credit companies. AARGON also never at any sent any notice of collections. THIS IS NOT A VALIDATION OF DEBT. This is proof company has falsely reported bot debt and statement that they notified me of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer bought a vehicle in XXXX that was repossessed in XXXX of XXXX. In XX/XX/XXXX the vehicle was sold at auction and then the remainder was charged off ( co ). The company continued to record a co every month until I filed a complaint in XX/XX/XXXX after receiving a settlement in the mail from a civil case the consumers won against XXXX. Case attached. The company stopped reporting the negative information once I filed a dispute. But they did not fix the 3 years of monthly negative information prior to the dispute date. Consumer would like the report corrected back to the date of the erroneous information being sent. Once the balance is ( co ) the consumer no longer has an account with XXXX, therefore they should no longer be reporting any information. 

Also because of the lawsuit XXXX and XXXX no longer records information from XXXX on credit reports.
Product: Debt collection

Dear MIDLAND CREDIT MANAG XXXX XXXX XXXX ; I am disputing the alleged debt reported by your company. This account is fraudulent, as I have no prior relationship or contract with either the original creditor or your company. 
The reporting of this account violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To verify the legitimacy of this claim and your authority to collect, please provide : 1. Proof of Authorization under 15 U.S.C. 1692e and 1692f.

2. Legal Basis for attempting to collect this debt, including applicable statutes.

3. Proof of Authorization to Operate in my state.

4. Evidence of Alleged Debt, including any contract or agreement bearing my signature.

5. Full Account History, detailing all charges, fees, and payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I attempted to lift a security freeze with Equifax so that I could switch to a different cellular carrier. I did this through their automated system which stated the freeze was lifted but when trying to run a check through Equifax the report still came back as frozen. 

Over a three hour period I talked with three agents none of whom were able to resolve the issue and when I asked to be transferred to a supervisor I was disconnected. This morning ( XX/XX/XXXX ) I again tried to go through equifax and the agent was unable to resolve the issue and stated that no supervisor was available and the only way to contact a supervisor would be to start the entire process of getting through their automated system to an agent ( which takes 10 to 15 minutes ) and then getting the agent to check whether there is a supervisor. 

I tried to check the credit report again this morning and it still shows as frozen when checking via any external site so Equifax states that the freeze is lifted internally however when a query is made from an external firm it still states it is frozen. It has been nearly 24 hours since I started this process and Equifax has provided no means to resolution. I placed the freeze in place originally because of the Equifax breach and now I simply want to release it for a short time or even permanently at this point.
Product: Checking or savings account

HSA Bank has changed is investment policies. As a result I opened an account with another bank. HSA Bank claims they have sent the money there is no evidence of this. 
This process was started in XXXX. The only solution they are giving is that I can start the process over again. I Need this money to pay for healthcare and prescriptions. They want me to make the decision to start the process over again. I Think this is a problem they created and is up to them to resolve.
Product: Debt collection

XXXX XXXX XXXX ( Advance America ), called my home several times after I told them not to. After they communicated with me they still called my references upsetting them. I have talked to several of their agents and one in particular told me I did not have any family and friends when I told him not to call them. They also insulted me and harassed me. They told my mother that they were going to send a sheriff over to my home in 20 minutes if I did not make a payment. My mother contacted the local police who told her if anyone came to the house they were be arrested.I have told this company to stop called and they kept on calling me. Me and my family do not deserve to be harassed or talked to like this company did. Once again I offered to make payment arrangements once I started my job in a week and they said they needed a payment right away. I still blame Advance America.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent TransUnion XXXX XXXX a Identity Theft Victim 's Complaint and Affidavit dated XX/XX/2021. The document was also notarized. In the affidavit I clearly explained to them that I was a victim of identity theft and in the document I listed unauthorized inquires that were on my TransUnion credit report and that the items needed to be removed. The company has yet to respond to the letter. I have also called Transunion XXXX XXXX in regards to this matter and they have refused to remove these unauthorized inquires. Also on XX/XX/2021 I sent TransUnion XXXX XXXX a Identity Theft Victim 's Complaint and Affidavit dated XX/XX/2021. The document was also notarized. In the affidavit I clearly explained to them that I was a victim of identity theft and in the document I listed two accounts that were open fraudulently in my name. They responded to this letter but, they stated in their return letter that " TransUnion at this time is unable to block the information you have identified for the following reason : - The document submitted does not appear to be a copy of an official, valid law enforcement report that we can accept as an Identity Theft report. '' I have completed an official Identity Theft Report and I will attach it along with the other Identity Theft Affidavit that I have already submitted to TransUnion XXXX XXXX with this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax confirmation # XXXX, is reporting the following addresses, inquiries, name and employer fraudently XXXX : XXXX. XXXXXXXX XXXX XXXX dated XXXX XXXX XXXX Names : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX and XXXX XXXX XXXXXXXX XXXX Address : XXXX. XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX Washington XXXX DC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX