23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I Filed a dispute on or around XX/XX/XXXX through Experian Credit Bureau to verify debt with signature on original signed contract, proof of debt for collection companies : XXXX XXXX XXXX  and XXXX XXXX XXXX. 
As a result of the dispute both companies remained on my credit and Experian stated this : The company that reported the information has certified to Experian that the information is accurate ... ... .... 

I have not viewed any contract signed by me that verify this is my debt. Experian OR either collection agencies has not sent original contract, itemized receipt or any documentation other than a bill to me. I tried to dispute these two companies again on XX/XX/XXXX and Experian denied me from disputing, asking me to upload new or different information. How can I upload any new information when I am simply asking for the company to verify I owe the debt that is staining my credit report. Now this will just sit on my credit and I am constantly getting phone calls and hang ups from these collection agencies and I dont even believe I owe these people or question the amount they are asking for. Please HELP!
Product: Checking or savings account

Bank, constantly charging overdraft fee and over charging and excessive credit card payments.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the fraudulent items in my file that resulted from an alleged fraudulent activity but I still have items left that needed to be removed. This is my newest complaint that I am a victim of fraudulent activity and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please REMOVE the reporting of any items in my credit file that resulted from an alleged fraudulent activity : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original creditor : AUTOMOBILE CLUB ) XXXX Balance : {$300.00} XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance XXXX {$310.00} XXXX XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ==========EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXX  ) XXXX Balance : {$0.00} XXXX  XXXX  ( Original creditor XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$250.00} XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$300.00} XXXX  XXXX XXXX XXXXXXXX Balance XXXX {$5000.00} XXXX XXXX XXXX ( Original XXXX XXXX XXXX ) XXXX Balance : {$6400.00} XXXX XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$250.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) Balance : {$310.00XXXX XXXX XXXX XXXX ( Original creditor : XXXX T XXXX  ) XXXX Balance : {$870.00} XXXX  XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6400.00} XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX A XX/XX/XXXX XXXX These items are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some accounts are a mystery to me. Attached in this letter was my new FTC report with numbers XXXX and XXXX.
Product: Credit card

My wife and I submitted payment for and were accepted to " Sams Club '' of the Walmart Company. As a part of this membership we were issued membership cards. We also were given a line of credit for Sams Club through Synchrony Bank, XXXX. XXXX XXXX, XXXX FL. 

We have never used this card for any charges anywhere. But soon after getting the card we received a bill with charges on it and several notifications of potential fraud from Synchrony Bank. 

We called Synchrony Bank, the local Sams Club store, and Walmart XXXX, and demanded the closing of the credit account. As directed, we went to the local store and turned in our cards and were issued new cards without the credit charge ability. 

After this we received another fraud notification, and then a third. 
Today I called Synchrony bank and informed them that the latest charges were indeed fraudulent and again demanded closure of the account, they refused to do anything unless I provided them with even more personal data. 

I refused to provide the data since this bank has already proven their inability to secure the information already in their possession, and the fact that they have already promised and failed to close an account that has been compromised and to which I no longer have any access.
Product: Debt collection

Im a consumer submitting this complaint on the behalf of myself without any influence from any third party being involved. Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. DEBT RECOVERY SOLUTIONS , LLC is using extortionate means to collect on alleged debt. I do not owe that result from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion.

This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ). 15 U.S.C. 1692 ( G ) Section 809 ( B ).

THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210.

This authenticated record must include all tax filings ( including all 1099s, 1096s, and 1098S ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities
Product: Debt collection

This account is a reinsertion that was put back on my credit report. They sold my account to another debt collection agency after removing it from my credit report. This account was put back on my credit report this month of XXXX from XXXX XXXX XXXX XXXX. They are also partnered with XXXX XXXX XXXX and sold my account to them. I sent them a letter back in XX/XX/2021. According to the FCRA they have 30 to validate my debt and if they do not this account have to be deleted due to a violation. That's what transpired. The account was deleted from my credit report. I have the copies of the letter and also have the certified receipt. As of XXXX of this month this account was put back on my credit report. They sent me a bill of this account with a new creditor Phoenix Financial services instead of XXXX XXXX XXXX and have the original Creditor XXXX XXXX XXXX XXXX. That's when I realized XXXXXXXX XXXX XXXX  sold this account. I was never notified although the bill says second request. I demand a deletion of this account from my Credit report. Also they never had my XXXX XXXX XXXX XXXX address to even send me a second request. I was never notified. That's how I also know XXXX resold my account to them. Due to sending out the first letter back in XXXX 2021.Thanks for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit card

My card went over the limit in XXXX, so I paid and caught up and then in XXXX it was closed without warning and the kept the entire amount of my deposit. I dont even know what the balance was at the time as I regularly use it and dont pay attention, set to auto pay {$150.00} of {$500.00} credit limit monthly.
Product: Credit reporting or other personal consumer reports

There is an inaccurate fraudulent account appearing on my credit report and I want it removed immediately! It does not belong to me! I wrote XXXX Equifax XXXX and the company listed below demanding that they provide me with proof of the original contract that contain my signature, per the fcra section 609. And although I made this request more than 30 days ago, I still have not received any relief! According to the fcra, 15 USC 1681, it is the credit bureaus and the data furniture 's grave responsibility to ensure maximum possible accuracy! Also see the attached identity theft report. I repeat : XXXX Equifax and XXXX have not provided me with poof of the original contract per the fcra section 609, as you can see under adverse accounts on my attached credit reports! FRAUDULENT ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TEXAS XXXX ACCOUNT # XXXX DATE OPENED XXXX XXXX,2021 BALANCE {$0.00}
Product: Credit card or prepaid card

This morning, XX/XX/2020, at XXXX XXXX  I got an automated call from Bank of America, telling me, that they want to collect a debt I should have on my credit card with them. 

This is one of the dirty tricks Bank of America has developed to steal money from unsuspecting citizens. And who better than to do that from the elderly. 

I am XXXX years old. About two months ago I got a call from Bank of America with a lot of promises too good to be true. I fell for it. You see : doing business over the phone is bad, because you have no time to think things over. They " bank '' on that. 
They sent me a credit card, which I destroyed and did NOT activate. 

Nevertheless they claim now, that I have incurred a debt of {$93.00} on this card, which they want to collect. 

If this is not Highway Robbery, I dont know, what is. 

I request herewith Bank of America to stop to bother me ( they call me at least twice a day ), cancel the credit card and the so-called debt and to stop at all with their dirty tricks. Shame on them!
Product: Credit reporting

There is a credit reporting company on my XXXX report named XXXX XXXX XXXX for the amount of {$1500.00} from a XXXX which states it was opened XXXX XXXX, 2013. I have no idea what this charge is for and for whom, I have never received a bill on this charge/account. I have always had health insurance which for any procedure done would have been covered, this charge at this time is more than what my health coverage deductible would have been. This is a inaccurate charge that I am not responsible for and I never had a procedure during this time frame. 
I want this removed from my credit report, which is only reported with XXXX bureau inaccurately immediately. I have no knowledge of this account and it 's falsely reported.
Product: Credit reporting or other personal consumer reports

I do not recognize these inquiries nor did I authorize them. 
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 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several information about the account being inaccrutte THE COMPANY IS IN VALUATION OF SEVERAL LAWS Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed belo
w still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Product: Consumer Loan

On XXXX/XXXX/2016 I sent of a promissory note to payoff my loan with Santander Consumer USA. It was sent by Registered mail and was delivered XXXX/XXXX/2016. I received a letter from Santander Consumer USA stating that they do not accept my note however they did not return it to me either. The note was for {$14000.00}. The tracking on the delivery of the note is XXXX.
Product: Credit card

credit limit was lowered from {$4000.00} to {$200.00} without notice and phone call to XXXX XXXX revealed they had done a soft check on my credit and XXXX had reported erroneous negative info, check with XXXX and credit is is good with them so dispute is with XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in 2011 I paid one of our payments on line. We were notified that the payment went thru on their online system. It was n't until months later that we were notified that it did n't go thru. By that time we had 3 -30 day late payments on our credit report since it had put us a payment behind by not having that payment go thru. We were told that the problem would be fixed with the credit bureaus by the company but it never was and we have tried repeatedly to have it removed by disputing it with the credit bureaus with no success.
Product: Bank account or service

I DID AGREE FOR LEASE A DEVISE WITH BANK FOR THE AMOUNT OF {$50.00} A MONTH and they on firs payment took from my bank {$83.00} because i refuse to pay {$83.00} the bank now took my action to colection and treat me to report a XXXX.The persson from the bank refuse my call and all the want is " pay the amount what they want it '' no what was on the agree.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple accounts on my credit report I do not recognize
Product: Checking or savings account

I had an account with the online 360 Savings account with ING for years because the bank offered an interest rate higher than other banks. If my memory is correct when Capital One accured ING my Capital One Savings account continued to be paid at a higher interest rate.

At some point last year, I read an article indicating Captial One did not transition all ING accounts to their Performance Savings account that has a comparable interest rate to the ING account I had. I contacted Capital One with no avail. They simply mentioned that I could transfer my funds to a Perofrmance Savings account which I did but I may have lost years of interest as I am unsure when they began paying the lower rate. 

According to my XX/XX/year> statement Captial One was only paying 1 % interest on my savings account. If I remember correctly my ING account paid upwards of 4+ percent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I have found the following items listed below to be in error. 
Pursuant to 15 USC 1666b 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. 
In XXXX on 2022 XXXX XXXX  reported to XXXX, EQUIFAX AND XXXX that I was over 120 days late on my mortgage payments, how is that possible when the account was showing Pays/Paid as agreed in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX of 2022 and XXXX, XXXX of 2022. These inaccuracies have cause me to discriminated against for credit worthiness. 
I NEVER gave You, XXXX XXXX  any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. XXXX XXXX  has caused severe stress and anxiety due to the abusive and unfair practices. 
You, XXXX XXXX, should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! The account are listed with late or missed payments and that is incorrect. The account were NEVER late and should be listed as PAYS or PAID AS AGREED.
Product: Student loan

Navient customer service has been extremely rude and they refuse to help me lower my loan payment despite numerous calls to tell them that I ca n't afford the monthly payment.
Product: Credit card

I received a statement with a balance of {$4700.00} due on XX/XX/XXXX. 
I paid {$4700.00} on XX/XX/XXXX. Capital One assessed interest on XX/XX/XXXX. I have never had a credit card charge interest on a paid in full balance in my entire life.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I finance a XXXX XXXX XXXX with XXXX XXXX XXXX. When I finance the vehicle, I was in the middle of a chapter XXXX bankruptcy that discharged in XXXX of XXXX. XXXX approved me for the loan I had an approval from my trustee as well. After financing the vehicle with XXXX, they reported to my credit for a few months. Then I noticed they stopped reporting. I called XXXX to find out why they werent reporting. They said because I filed bankruptcy. Which was incorrect I was already in bankruptcy when I was approved for the loan. After inquiring about this matter, they went and removed it from my credit altogether. I do XX/XX/XXXX XX/XX/XXXX for a living. I have had multiple customers in bankruptcy that were approved by XXXX the same way and they reported their loans to the credit. When these customers came back to purchase another car or trade, they still reported years later. I would have never financed this vehicle. I would of payed cash at the time, so I didnt need to pay any interest ( especially a high interest rate ) if I knew they werent going to report to my credit. I made 12 payments on the loan then I paid it off, so I didnt need to pay any more interest. I want this account to be reported to my credit. I paid them to report to my credit I feel they should make this correct. I have contacted them multiple times about this issue including trying to contact the president of XXXX XXXX XXXX. No one want s to correct this issue they say they cant. Its not a matter of cant as it is the will to. I made all my payments on time.
Product: Debt collection

They are calling at least 10 times a day every single day.Probably even more often. They call every hour. They used to call from the same phone number but started calling using numbers from different states : like XXXX or XXXX etc. It is the same lady calling though and the only message she leaves is " XXXX, Hello. Hello, XXXX. XXXX, heeeeloooo ''. Every. Single. Message. Does not leave her name or her company name or why she is calling. I had to call back a couple of the numbers she called from, and all said Allied Interstate collection company. I only got XXXX written communication from them on XXXX XXXX, 2016. I called them back and told them I already had a payment plan set up with credit card company itself. They ignored me and continued calling and harassing me.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023.