23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have an account I do not recognize on my credit report. I repeatedly asked for it to be removed from my credit report and asked for debt to be validated which they couldnt provide. 

under 15 US CODE 1602 it is unauthorized use of my credit and illegal.

Please remove from my report as per 15 USC 1681 and refrain from any other contact
Product: Credit card or prepaid card

I received a credit card from Chime around XX/XX/23 that I never applied for. This happened after receiving multiple texts and emails during the 2 weeks prior to receiving the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed 2 complaints against Equifax using this platform. Complaint # XXXX XXXX. I receive a letter in the mail today from Equifax claiming they can not investigate this claim because they have no idea which report I am referring to. They claim I need to call them and give them more information.I attached a copy of my credit report from Equifaxes website. I clearly mention the companies name that I have the dispute with XXXX XXXX XXXX. There is only one account on my credit report with XXXX XXXX XXXX on it. The report and other documentation I supplied is from Equifax. They are telling a lie and trying to get out of taking responsibility for knowingly allowing a company to report false information. There is no way they can not know what company I am talking about. Look at the files I uploaded on those complaints. Its abundantly clear which company I am referring to.The documents I submitted are from Equifaxes own site so how can they not know which company I an referring to. LOOk at the attached document. It clearly says XXXX XXXX. It is also clearly from Equifaxes on site. It has Equifaxes name on it, my name and XXXX name on it. It is impossible for Equifax to not know which company I am referring to. The attached documents are the same ones I attached with the 2 above complaints. First Equifax claimed they could not investigate because I did not supply my account number. They know I have no access to my account number. They know that no where on my account page does my account number display. They need to quit playing games and answer my complaints. See attached screen shots. Nowhere on my account is an account number displayed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the fourth time I have contacted your company and you have still failed to delete the disputed accounts your company could not verify. After this letter, be advised that I intend to pursue litigation for the damages your company has brought to me and my family. Based off the fact that your company has yet to forward any documents to me, show me any proof, and the fact that its already been 3 months so you have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show your blatant disregard for Federal Law. The Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. Thats all your company has been doing the past couple of months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ). I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law! The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. Just remember when we go to litigation and your company is required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. So once again, 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. I request that you do this immediately, which I am sure you are already aware of. You failed to verify & validate all data for the following accounts, please remove IMMEDIATELY : Account Name : XXXX  Account Number : XXXX ; Account Name : XXXX XXXX XXXX, Account Number : XXXX ; Reason : pls verify and validate all data for this account, every notation, dates, and balances, whether reported or not and I would like to be provided proof the method for which you are verifying as well as the exact details that match because without exact matches this account must be removed immediately as per FCRA. On top of it, this is a collection account, and the collector needs to prove that this debt can survive collection, that they own this debt and the extent to which they can collect this debt and that all their details match the original creditor. Without it, must be removed.
Product: Credit reporting or other personal consumer reports

My personal information was exposed in a data breach with Trans Union and XXXX and as a result fraudulent accounts where open in my name without my authorization. I've tried disputing the accounts with you all but my disputes are going ignored. I filed Identity theft twice with Trans Union and both times nothing was done about it. My last report was filed XX/XX/year>. It had been over 30 days since my last identity theft dispute and over 60 days for the once files before that. Law states that the accounts must be automatically deleted if no response within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going to try lexington law. I signed up and cancelled within 3 days. I got a confirmation email letting me know my account was cancelled. The email was sent in XX/XX/XXXX. Now today XX/XX/XXXX im getting emailed again saying i need to update my payment so they can bill me XXXX dollars. They are trying to take more money when im not with them anymore.
Product: Checking or savings account

I bank with capital one, and theyre withholding my direct deposit. Its been almost 3 days. They never sent out prior communication, refuse to give us updates or an eta, and ignore all questions. They are still taking payments, but wont give us our paychecks.
Product: Credit card

Ive been an American Express customer since 2006. I received an email from them saying that my preset spending limit has been reduced to {$2800.00} on my Platinum card. My previous preset spending limit was {$25000.00}. There have been no major changes to my credit report ( my FICO scores are over XXXX ), Ive never missed a payment on my American Express card or any of my other credit accounts so I dont understand why they would do this. I called and tried to resolve this but have not been successful. I pay this account in full every month and have done so since this account was opened.
Product: Debt collection

I signed up for smile direct club XX/XX/year> for {$2300.00} paid across XXXX  months. As the contract states - HFD ( healthcare finance direct ) is the payment processor and XXXX  was the creditor " Payments are made to Healthcare Finance Direct, LLC ( HFD ) as payment processor for XXXX. '' I continued to make my monthly payments despite the bankruptcy looming. My treatment abruptly ended in XXXX XXXX when XXXX 's bankruptcy resulted in full cessation of operations and smile " lifetime guarantee ''. I have continued to make payments as a sign of good faith and have reached out several times to have them cancel my account in lieu of this situation. Without my treatment I am now suffering financially and physically with payments being made for a company that no longer exists for a treatment that was ended abruptly. Among this I am being threatened to continue making payments by a payment processor for a creditor who is bankrupt- or face the consequence of collections.
Product: Debt collection

I am a victim of identity theft. These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN to report anything on my consumer report which violates my rights as a federal consumer. Also, I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exsist.
Product: Credit card or prepaid card

I made a promotional purchase through XXXX XXXX with an XXXX  XXXX credit card in XX/XX/XXXX. I was suppose to have until XX/XX/XXXX to pay off the promotional purchase without paying any interest. I had made several prior promotional purchases and several after that date. After I made the purchase ( I believe it was in XXXX ), XXXX XXXX closed out their credit card department and I received a letter that the account had been moved to Synchrony Bank and they would issue me a new card but all of the terms and conditions of my purchases with XXXX  XXXX would remain the same. I continued to make over payments on my account every month from XX/XX/XXXX to XX/XX/XXXX so all of my promotional purchases would be paid off in advance to avoid interest charge. When Synchrony Bank took over my account, they failed to apply my overpayments correctly. They applied them to the newest purchases instead of the oldest purchases. When I noticed what they were doing, I called and they said they would go back and properly apply my payments. Then I was told that my promotional payment ended in XX/XX/XXXX instead of XX/XX/XXXX. In XXXX, they charged my account with {$1600.00} interest charge because they said I failed to pay off my promotional purchase in time. When I called to talk to them about it, they opened up a complaint and said that I had failed to provide them with documentation to dispute the purchase in XXXX. I never disputed the purchase, only the interest because I paid it off prior to the expiration date. When I explained this to them, they told me the interest was not a disputable charge and I owed them the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer have been violated and had incorrect and inaccurate information listed on my consumer reports. I never gave any credit agency written consent or permission to report this information. I have tried to resolve this issue with each agency and each has complied and resolved the issue except for EXPERIAN. On XX/XX/XXXX I called in to EXPERIAN and spoke with XXXX agent id XXXX about the issue. I told the agent that there was a late payment listed on my consumer file from XXXX  XXXX for XX/XX/XXXX and that information was inaccurate and needed to be updated. I told him that I already contacted XXXX XXXX and the other major credit reporting agencies and the information had been updated. I told him that this information was incorrect, and it was not bringing any equity or value to me the consumer and I never gave EXPERIAN any written consent to report this information and this was violation of my right to privacy and it was directly impairing me and was harming my reputation and character. I told him to correct the information immediately. He told me that he would file a dispute but he could not change the information because he didn't have a reason. I told him that I had already settled this inaccuracy with XXXX  XXXX and the other credit agencies it needed to be updated with EXPERIAN and the reason is that it's inaccurate and I the consumer have given them instructions to do so. He then stated that he'll escalate the issue but there was nothing he could do. I told him that this was a direct violation of federal law and they are being partial, unfair and I the consumer have the right to privacy 15 USC 1681 ( a ) ( 4 ). I told him that this was damaging me in many ways as to how I am able to use my credit because of this inaccurate information that they never had my consent to have or share. This was a direct violation of 15 USC 1681b ( a ) ( 2 ). I am demanding that EXPERIAN update the information on my consumer file and my consumer reports. If this information is not updated immediately I will continue forward with litigation.
Product: Debt collection

PBCAPIGRP ( Original Creditor : XXXX XXXX XXXX ) XXXX {$7200.00} which appears on my credit report. I believe this information to be inaccurate and potentially fraudulent, as I do not have any contractual relationship with P & B CAPITAL GROUP LLC. Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information that is incomplete or inaccurate on my credit report. 

To date, P & B CAPITAL GROUP LLC has failed to provide me with the original contract bearing my wet signature or proof of identity verification. Without these documents, they have not substantiated their claim that this debt belongs to me.
Product: Mortgage

On or around XX/XX/XXXX, I called my mortgage company Homebridge financial, to  find out if I was still signed up for auto pay. The representative I spoke with said that indeed, I was not on auto pay and would need to make a payment for my mortgage over the phone. I did this at her request. The following day and additional mortgage payment was drawn from my bank account causing me to go overdrawn. Apparently I still was signed up for auto pay, even though the representative told me I was not. When I spoke to Homebridge, they informed me that that there was nothing they could do but to have a check refunded back to me which would take 15 days. Meanwhile my bank account was overdrawn for the amount of my mortgage payment which was over {$2000.00}. 
I informed my bank of what was happening, and asked them to put a stop payment on the second mortgage payment that had been debited. The bank did so. After many many phone calls to Homebridge to sort out the problem, they then said that I actually still owe them a mortgage payment when it clearly said in my bank account that they had already been paid. I even gave them the debit transaction number stating the amount that had been debited and that has shown in my bank account that had been debited. 
Each representative I spoke with, and there were probably 10 to 12 different people including supervisors and managers that I spoke with, told me different information. Information that conflicted with what the previous representative told me. I also requested a copy of my note on 4 to 5 different occasions. It took over 15 days for me to get a copy of my note. When I inquired why it was taking so long and why I had to request so many times, each representative informed me that it was either a wrong work order that had been put in or some other bogus reason why the request could not be granted. Finally I had a third-party from my bank get on the phone with me and speak with a supervisor to get some resolution. We requested a copy of the note be faxed to us, to which the representative told us it should get to us within 4 to 8 hours. Nothing happened. Several days later a fax showed up that looked like a note but it was completely illegible. 
Homebridge argued with me back and forth for 19 days, each time I was the person who had to call them, even though I had requested call backs to help resolve the issue. They told me I had to make another payment because it still showed I hadnt paid regardless of what my bank said. In order to not have negative impact to my credit, at this point I made another payment. To add insult to injury, they charged me to make this payment over the phone and then added late fees into the payment. 
This is the most ludicrous, inept, unprofessional, boardering on illegal, company I have ever had the displeasure of dealing with. They still have XXXX of my hard earned money, my bank statement proves it. But they are saying too bad.
Product: Mortgage

I recently paid off home loan due to re-fi. with other lender XX/XX/2016. I over paid on escrow account. I received a letter from Di tech advise of over payment and that I would receive a hard copy of refund check in mail with in 20 days. I never received this check I called DItech customer service center twice in month of XX/XX/XXXX. I was told that I would have wait 30 days to have them reissue check. I called in XX/XX/2016 advised that I still have not received over payment of escrow check. I asked for supervisor to complain was told that Ditech would reissue another check within XXXX business hours. It is now XX/XX/2016 and I still have not received this escrow refund check for over payment.
Product: Debt collection

The rude collector emailed me twice and then called saying they were going to inform XXXX XXXX XXXX to issue a felony arrest since I did not pay back a payday loan. The payday loan they said I took out was apparently XXXX of 2015 and I did not take a payday loan out and the address associated with the loan is not mine and the job title I supposedly said I did is not me either. The rude lady would not give me any more details or help me on what to do she said I needed to pay it or I would get arrested and the judge would be mean and nasty and make me pay it anyway even if I did not actually take out the loan.
Product: Credit reporting 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. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

8. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 

9. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 10. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Delete From My CREDIT REPORT 11. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX  Account Number : XXXX Delete From My CREDIT REPORT 12. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Delete this account.
Product: Student loan

I originally looked up the phone number of NAVIENT online on my computer. XXXX XXXX is who answered my call. I asked him why my recent statement from NAVIENT did not reflect my past payments. He stated what I needed was a new loan, that decreased my capitalized interest debt to better cover my loan. He said he could do the paperwork, submit it, and deducted {$790.00} from my bank account. This was on XX/XX/XXXX. 

I later received a letter from NAVIENT, dated XX/XX/XXXX, stating that my NEW loan was denied because I was not within the 90 days of my re-up date on my PRESENT loan. I then called XXXX XXXX again to straighten this out, and get my money back. The number for XXXX XXXX first went unanswered. I called his number repeatedly. On the last two attempts, I reached a voice mail asking me to leave a message ; which I did. The recorded message said I had reached XXXX XXXX XXXX. This is the third party administrator who does all of the loan paperwork. 

When I first spoke with XXXX XXXX, I thought I was speaking to NAVIENT. That was the phone number I had called to start with. He looked at my NAVIENT account, he had all of my information in front of him, he should have known that I was not within my 90 day window to change the terms of my student loan. If that was such a deal breaker why did n't he just say that in the first place?
Product: Credit reporting

I submitted a dispute On XXXX XXXX, 2016 for some Tax liens that are reporting on my credit report. I asked for verification of these accounts since I have no knowledge of them. The accounts came back verified. I then wrote a letter ( notarized ) to the address and Court the credit report has on file. Well the Court has finally responded to my letter and its 100 % clear they did not Verify anything with Equifax. Under the Fair Credit reporting act Everything on your credit report must be 100 % verifiable and accurate. I have attached copy of the credit report Public record section where I ( Circled ) the case numbers and the Address to where I wrote court letter to, also attached is the notarized letter I wrote to the court and the Response Letter from XXXX County Register of Deeds Office that they have no records of these Tax liens nor do they report anything with any credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record of XXXX  XXXX XXXX  on all three credit agencies that has been discharged for a little over 2 years. I would like to see that removed. 
Also I have Westlake financial and XXXX XXXX  that was on that XXXX  XXXX XXXX  that's still on my report ( s ) I need taken off.
Product: Credit card or prepaid card

XX/XX/XXXX XXXX {$8.00} I bough fever thermometer for my mother 's fever flu after 2 minute reading it is supposed to buzz indicating final reading It does not I returned to store and cashier tested it and inssited he hears buzz but my mom and I did not hear anything I asked for a substitute but merchant would not exchange
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 names : XXXX : Original creditor XXXX XXXX XXXX # XXXX : # XXXX XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX Original Creditor XXXX XXXX, XXXX XXXX XXXX : Original Creditor : 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 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.