23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The phone number that they have been contact is either forward to my place of employment or to my older daughter 's phone during the week. On XXXXXX/XX/XXXX when my daughter answered the phone a lady started speaking XXXX and then switched to XXXX and asked for myself. My daughter informed her I was not home the lady then continues to leave a message and said that she was CDA and she was a debt collector on a recorded line and my daughter confirmed with her the phone number and reason why she was calling my daughter also made XXXX aware that she was not myself and that it was against the law to disclose to another person outside the debtor themselves XXXX did not care They have also called on XX/XX/XXXX at XXXX XXXX and XX/XX/XXXXat XXXX and revealed they where debt collectors but my daughter did not take a message either of those times
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX {$1500.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXXXXXX Balance : {$84.00} ; XXXX XXXXXXXX Balance : {$84.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$770.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX 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
Product: Debt collection

The original amount for this debt is {$1400.00}. I have made 8 payments on the amount of {$29.00}. Just today I received a letter from the company that I owe them {$1200.00} when I owe them {$1100.00}. Also someone XXXX XXXX called me and he was saying on the phone that he represents someone else who is a lawyer and that I need to settle this account as soon as possible. I have been making payments every month and those people are threatening me in order to make the payments faster and to pay off the debt faster using tactics that are illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I'm submitting this complaint without any influence from any third party or agency. 
Please see attached documents and ID as it contains my full complaint and request.
Product: Credit reporting, credit repair services, or other personal consumer reports

This dispute is in regards to the account number ending in XXXX. The account is assigned to XXXX and XXXX XXXX. When we created the online account to setup automatic payments on XX/XX/2017, we spoke to the Toyota customer service representative about setting automatic payments. As the account was being setup, what was overlooked is the fact that the start date of the payment is different from cycle date. They setup the payment cycle system after the due date on the account and made my payment late. From there Toyota financial reported it to the credit bureaus. They reported a late payment and that affected my credit report and score. Im sending this letter so that your department can look into our inquiry and remove the late payment on our credit report. We appreciate the department looking into our concern. Please if there are any questions please contact us at XXXX or at XXXX.
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 XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : 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 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

I never applied for this and it is not mine never applied for PayPal credit
Product: Checking or savings account

XX/XX/2023 Received several emails notifying me an account was being set up with Bank of America ( BoA ) spanning from XXXX until XXXX. The last email notified me that the email associated with the account was changed from my personal account so I had no access to the created information. I had not requested any of this nor ever had I done business with BoA in the past. XXXX I confirmed the emails were legit and there was an actual acount opened I contacted BoA through the main number associated with their website not from the emails around XXXX. I was connected to the fraud department and was notified that my personal information was used including my address and SSN to open the account. Fortunately, no activity had taken place and the account was closed. BoA reported that I would be receiving an email detailing this information in 7-10 business days. I was provided a fraud protection suggestion page which informed me to place an alert with the 3 credit bureaus and XXXX. I also took extra steps to change all passwords to important accounts and verify credit history for information on any other possible issues. On XX/XX/2023 I received another email reporting that I was attempting to set up another BoA account. This time it stopped with the first email asking to verify my email. I contacted BoA again and was told I should place a freeze with all the credit bureaus and XXXX. I was able to do this and also went beyond with requesting an PIN from the IRS and checking into what is needed to freeze a SSN. Currently waiting to see if further fallout happens...
Product: Credit card or prepaid card

I purchased a program through a company in XXXX named XXXX XXXX. The deal was that they would charge me {$500.00} per month starting XX/XX/2020. This company was not able to provide me their program as they took down my email incorrectly. I was told I would have 7-days to review the program. Since this company could not provide me the program the day I accepted, I tried going through 2 XXXX accounts I was supposed to figure from the company. I asked for a refund within 7 days after trying to figure this system out. I mailed Citibank several times with a detailed letter explaining the whole problem. CITIBANK HAS BLOWN ME OFF AND DISMISSED MY REQUEST FOR THE REFUND! I am looking for the 2 payments of {$500.00} as a credit along with the interest incurred. 

Please help me, Citibank won't help me out. 

Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/XXXX with follow ups disputes on XX/XX/XXXX, XX/XX/XXXX, and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible..
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Equifax : XXXX, XXXX Equifax : XXXX XXXX XXXX Equifax : XXXX XXXX XXXX Equifax : XXXX, XXXX Equifax : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX Equifax : XXXX, XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Equifax : XXXX, XXXX Equifax : XXXX, XXXX Equifax : XXXX, XXXX Equifax : XXXX XXXX XXXX Equifax : XXXX XXXX XXXX Equifax : XXXX, XXXX XXXX XXXX Equifax : XXXXXXXX XXXX XXXX XXXXifax : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights . 

I have already disputed these items with the bureaus, but they did not remove them, nor prove validation under Sec. 609 FCRA.

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: Student loan

YOUR COMPLAINT This complaint concerns  Navients aggre ssive and intrusive debt collection practices. I have regularly made monthly payments on my {$9000.00}  XXXX  loan with 10.5 % interest since graduating from  XXXX  University in  XXXX . I now owe {$4000.00} on that loan. I was laid off in  XXXX  of  XXXX . Since then, I have been unemployed and struggling to find a job. I have inform ed Navient of my financial difficulties for many months. In the las  t two months, Navient h as become highly intrusive and abusive in its phone calls, enough so that I consulted with a legal service s (  free ) attorney.   On  XXXX   XXXX ,  XXXX , I filed a complaint with the CFPB with the help of her legal services lawyer.  Navient has responded that it is not going to respond since the complaint was filed by my attorney, not me. Navient and CFPB have thus closed the c ase.   The calls have gotten worse since  XXXX   XXXX . On  XXXX   XXXX ,  XXXX , I sent an email to my attorney and reported the following : Employee ID  XXXX  calls. He makes me go through all of my financial statements, asks me my minimum payments, how much I spend on food, transportation etc. Then he wants an answer as to why I wo n't move back in with my parents and save rent. ( I am  XXXX   XXXX   XXXX . ) He then stated he pulled up my credit report, told me my story is n't real and that I am not out of work. He stated we are setting up a payment plan and accuses me of lying about facing hardship because my credit report shows I 'm paying all of my other bills ( which is not true ).   Similar calls with intrusive and belligerent questions have continued. On the last call, when I was explaining for the hundredth time that I was still unemployed and could not get the money from other sources, the Navient collector argued that the fact that I had a cell phone meant I was choosing not to pay Navient. When I said I had no money for stuff other than rent, food and basic utilities, the navient collector said you better find it. When I said, Im calling my lawyer, he said, lawyers cost money, insinuating that I am choosing not to pay   Navient.
I have paid this loan for years. I have hit a difficult time employment-wise. Navient has alwa  ys gotten its money from me. It is still earning interest on this debt. Its calls are deeply upsetting and counterproductive. I do not understand why Navient is treating me so harshly when I have a lifetime of earnings ahead of me when I get back on my feet with which to repay it with interest.
Product: Student loan

I went to a college that is no longer open and went bankrupt and I can't go back to school or get a better education so I can provide for my children but I don't have a monthly income I don't even get any money and I'm trying to go back but this has been stopping me for years and not to mention I didn't even finish the semester and I can't find anyone to help me with this issue thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous disputes regarding this account to Equifax, XXXX, XXXX, Consumer Finance.gov, and the company reporting the erroneous debt. I have requested verification of this debt numerous of time and have yet to receive it. XXXX and XXXX rightfully deleted this debt from my report but Equifax only continues to report the debt as disputed. Consumer Finance.gov and attempted to contact the creditor numerous of time and have closed two previous complaints due to being unsuccessful.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX XXXX  Account Number : XXXX TransUnion XXXX XXXX / XXXX
Product: Money transfer, virtual currency, or money service

PayPal account - XXXX Was informed by PayPal ( 175 days ago ) that they no longer wanted me as a customer ( used them to process payments for my business ). 

Was told I would have to wait 180 days to be able to withdraw the funds in the account I wasn't happy about this but accepted it, I read online about a large amount of users being told all or there funds had been taken 'for damages ' was getting worried about this sent an email to PayPal asking when I would be able to withdraw I got a reply back stating 'Per the User Agreement, when PayPal permanently limits an account due to an Acceptable Use Policy violation, we may hold your funds for up to 180 days till XXXX XX/XX/2022 to withdraw the amount from his account. ' I logged in today to check the amount that I could withdraw on the XXXX to find that they had removed every XXXX under multiple transactions to themselves Transaction XXXX : Memo XXXX XXXX ; PayPal Posting Date : XX/XX/2022 ; Payment to : Paypal ; Damages caused to PayPal by Acceptable Use Policy violation ( XXXX ) Transaction XXXX : Memo XXXX XXXX  ; PayPal Posting Date : XX/XX/2022 ; Payment to : Paypal ; Damages caused to PayPal by Acceptable Use Policy violation ( XXXX ) Transaction XXXX : Memo XXXX XXXX  ; PayPal Posting Date : XX/XX/2022 ; Payment to : Paypal ; Damages caused to PayPal by Acceptable Use Policy violation ( XXXX ) Transaction XXXX : Memo XXXX XXXX ; PayPal Posting Date : XX/XX/2022 ; Payment to : Paypal ; Damages caused to PayPal by Acceptable Use Policy violation ( XXXX ) Transaction XXXX : Memo XXXX XXXX  ; PayPal Posting Date : XX/XX/2022 ; Payment to : Paypal ; Damages caused to PayPal by Acceptable Use Policy violation ( XXXX ) The total amount stolen is XXXXXXXX XXXX - Without these funds I'm going to be unable to keep my business going, the damage they have caused by stealing my money is huge- I have read online that PayPal are doing this to 1000 's of people some for significantly higher amounts there is also a class action happening for the same thing. 

It is clear to anyone that what they are doing is wrong.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Experian Executive Office, I have been reaching out for some time regarding issues with my credit report, and resolving this has been quite a challenge. While I appreciate that progress has been made, I want to emphasize the importance of this issue and the urgency of fixing it. 

My XXXX credit report shows an account from XXXX XXXX  that does not belong to me. This situation is a case of fraud and identity theft. I have previously sent multiple letters to you regarding this matter, requesting the removal of this account from my credit report. I have attached several of those letters from XXXX for your reference, and I hope you can finally remove this invalid account. 

This appears to be the last erroneous account on my XXXX credit report. Once it is removed, I will return to a more average credit standing. 

Thank you for your time and assistance. 

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

I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intentness to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated as the accuracy and verification of the information. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please fix the account : XXXX XXXX XXXX
Product: Credit card

Early XXXX 2016 I had a Macy 's Credit Card with a zero balance and a {$15000.00} credit limit. Macy 's allowed someone to purchase {$14000.00} worth of small leather goods and had them delivered overnight to an address in XXXX. Macy 's allowed someone ( the same person I assume ) to change my name, address, phone number and email address as well and in addition shipped this person a new Macy 's card with a new number. XXXX day after the purchase I received a voicemail from Macy 's credit fraud stating that they thought there had recently been buying activity not normal to my buying patterns and to please contact them. I rarely spend more than {$100.00} per month and then pay the balance in full so I do not have any interest charges. I called them. They sent me an affidavit to fill out stating that the charges were not mine. I filled it out, signed it and sent it back in XXXX 2016. They claim they never sent or received XXXX. I began to get collections calls three times daily. I would speak with collections who would have me call fraud where we would speak up to an hour. Everytime this happened I was assured this matter was taken care of. I read my credit card agreement and saw I had to send a letter telling them to stop calling me. I did that. They continued to call me. My XXXX score went from XXXX ( excellent ) to XXXX within 4 months due to a serious delinquency on XXXX account, Macy 's. When I called again In XXXX I was told that the fraud report had never been submitted. Macy 's would place the now {$16000.00} plus amount on the old card and then switch it to the new card and then back again without ever closing it out so that I always had a delinquency. Fraud even told me that they had to investigate in case it was my bill. I had them send me the receipt was looks like it was made on a smart phone and the signature looks like a XXXX or a XXXX but certainly not my signature which is on file. I told them to look at the affidavit but they had no knowledge of it. The credit agreement said all disputes had to go thru arbitration so I filed with the XXXX XXXX XXXX only to find out that Macy 's had never registered with them. They sent Macy 's and their parent company Citibank and Department Stores Credit several notices to defend as well as a request to either register with them or strike the arbitration cause from all of their agreements immediately. Macy 's only responded that they were aware of the arbitration but never entered an intent to appear. Arbitration had to close the case and told me to take it to the Court XXXX XXXX. I thought I would try CFPB first before suing. My 2 % mortgage is to be renegotiated very soon and while my XXXX score is slowly climbing back up due to my habit of paying before due dates, it only climbs up XXXX points per month. It still has the Macy 's serious delinquency on it and states that it will remain there for 7 years. I doubt I will get up to Excellent credit 's minimum score of XXXX by then and might never see my score of XXXX again. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX, Equifax, and XXXX regarding incorrect information on my credit report. I have not received a response regarding incorrect information on my credit report being removed. I has been well over 40 days.
Product: Debt collection

I moved out of XXXX 's service area and they say I owe them an early termination fee. They say I broke the terms of their contract and charged me a {$170.00} fee for that. I asked them if they would move my service to my new address, they said they could n't and would disconnect my service for me, but could not reconnect. I received a bill stating I had a credit of {$47.00} that was owed me. Next month I got a bill with the early termination fee and it used my credit towards that. I called and they said they would issue my refund check in about two weeks. Next month I received another bill for the balance of the early termination fee. I called again to complain to XXXX. I was cut off twice. I filed a FCC complaint, and XXXX called me and said they could not waive the fee. I asked them to provide service in my home. If I was being held to the contract, then I was holding them to the contract. They said they could not and would not waive the fee. Two hours after that call I received a call from a collections agency asking for the balance of the bill XXXX says I owe. I am due a refund of {$47.00}. I have attached the bills and the collection notice I received in the mail.
Product: Credit card

I have once again been locked out of my citi bank credit card access. This is the second example of this happening to me in the last six months. I previously had to cancel my XXXX XXXX XXXX XXXX due to the poor design on citibank 's web portal. The first instance was on XXXX XXXX of 2015. I was kept on the phone for over an hour and was refused assistance which resulted in me cancelling the card. 

Today I phoned in again as instructed by the web portal to XXXX, I spoke to XXXX, agent ID XXXX. She deleted my login and asked me to re-register. I was then once again unable to re-register the card. She refused to have someone call me back at a later time and gave no other solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections.. I have never been late on this account. The date of last activity is incorrect!! I could sue them for improper reporting! I may not get the house that I deserve because of this wrong information. Please step up and delete XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX  XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX ( Original creditor : XXXX XXXX. ) XXXX Balance : {$6800.00} ; XXXX XXXX XXXX  Original creditor : ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX. ) XXXX Balance : {$920.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX.