23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had a credit card account with XXXX which went into collection. The collection was assigned to XXXX XXXX XXXX XXXX ( XXXX ) to collect on behalf of XXXX the last XXXX digits of the account are XXXX. The amount of the debt was {$4200.00}. I made monthly payments to XXXX from XX/XX/XXXX in the amount of XXXX until XX/XX/XXXX. The total amount paid to XXXX is XXXX. 
XXXX reassigned to account to Client Services to continue with the recovery of the debt. I have paid Client services {$2700.00} at the rate of {$98.00} per month from XX/XX/XXXX until XX/XX/XXXX. The total paid to both collection agencies is {$4200.00}. These funds were sent to XXXX. 

In XX/XX/XXXX I called client services to check on the remaining balance. The told me at the time that the remaining balance was {$1600.00}. They had no records of payments made to XXXX. I was instructed to contact XXXX XXXX XXXX at XXXX to investigate what happened to the payments made to XXXX. XXXX does not appear to be in business any longer. XXXX has no records of payments made before XX/XX/XXXX. I have been paying on this account since XX/XX/XXXX. 

XXXX has been called several times about this and all they will tell me is that there is a dispute.
Product: Vehicle loan or lease

Deliberately Withhold my Consumer information, Dear/Sar/Madam, I have had attempted multiple times to get my consumer information from kia motors through phone , email and through the account portal that kia motors failed to provide me the information what I am looking for as a way deliberately withhold or conceal my consumers information. 
1.Freezed my account/rejected my payment 2.My email, mail, online, phone requests to get get my documents got rejected. 
I again request kia motors to forward me the following consumer informations to my email address associated with my account if possible ( XXXX ), otherwise to mail me to my mailing address " XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX '' 1.My Online kia motors finance information and updates that I did including if there is phone number change, address change, alert chage and consent type. 
2.All billing statements that I did 3.My loan agreement that I did with you.

4.Notices that you sent to my address in each step of your collateral seizure/repossession ( It can not be called repo in Nevada what you did . ) 5.if possible, limited access permission to my online account/just to revise my documents. 

Best Regards
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information has been asked to be removed several times and needs to be removed immediately.
Product: Checking or savings account

Chime advertisement says you can be spotted up to {$200.00} in XXXX minutes when in fact that is a lie. When I asked about it. They acted as if they didnt know what I was talking about. I took a screenshot of the advertisement and then they had an explanation that didnt make sense. It still didnt explain why the money didnt come within XXXX minutes
Product: Credit reporting or other personal consumer reports

I'd like to express my frustration with the dispute process regarding an item on my credit report and I want to dispute this fraudulent information. Despite my diligent efforts to provide valid documentation such as the required FTC report, supporting my position, it seems that my message is not being properly received by your bureau. Let me be clear : I am the one initiating these disputes under my name. The item in question is unfamiliar to me and the documents I have submitted are authentic and registered with the appropriate agencies, corroborating my stance. I insist that the record be rectified. It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove these fraudulent accounts, you are not fulfilling this obligation and are exposing me to further harm. Please DELETE the account below : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not authorize this hard inquires : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I would like to ask  JP Morgan Chase & Co.  to response in this channel why they make it as a company 's policy for the maximum time frame to dispute a transaction is  XXXX  billing cycles, which is 60 days, while effective for transactions processed on or after   XXXX   XXXX   XXXX    , the maximum time frame has been increased to   XXXX   days for card absent charge, from  XXXX  days.
Product: Money transfer, virtual currency, or money service

On Sunday XXXX XXXX XXXX I attempted to withdraw money from my PayPal account to my bank. The withdrawal immediately was placed into " pending '' status. After speaking with someone in reference to why I was assured that my money would hit my bank at max 48 hours. On Wednesday XXXX XXXX I contacting PayPal again to figure out why my funds have n't been released. I was hung up on twice! Then after being told that I will get my money whenever hung up on again a third time by a " supervisor ''. PayPal has really put me in a financial bind as I need my money. As of today XXXX XXXX my withdrawal is still in a " pending '' status. I feel helpless and ca n't believe this type of treatment is legal. I 've read several reviews on PayPal and they 've been doing this to poor consumers for years under the guise of " sercurity '' reasons. Total XXXX XXXX  we know you guys are making interest from holding onto people 's money! XXXX
Product: Debt collection

Real Time Resolutions ( RTR ) violated FDCPA rules & regulations when they failed to send me a written notice including amount of debt, name of creditor, and notice of consumers right to dispute debt w/in 30 days ( see 15 USC1612 ) A ) what obligation do I have at all to RTR? I have never heard from them, have no written contract w/them and have never received any benefits from them, yet RTR has submitted negative information to credit reporting agencies against my name and social security # and is demanding payment from me in the amount of {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to temporarily lift a credit freeze on my Equifax credit report. I have tried the myEquifax website, the XXXX XXXX  XXXX site, and also the customer phone line. None of these avenues works. The website gives me the following error message, and a link that diverts you to the phone line : We are temporarily unable to retrieve the status of your security freeze. Please click " Manage a freeze '' for more details. 

The phone line will accept all your personal information and quiz you about your background, but once all is accepted, will tell you that it is unable to retrieve any of your information and that it is not working. I was able to unfreeze my credit from the other two agencies within 5 minutes, but am spending hours trying to get my credit unfrozen with Equifax.
Product: Debt collection

I have not relinquished my rights, titles, or interests to BERLIN WHEELER, and there is no existing contract between me and BERLIN WHEELER. I have requested from Berlin Wheeler on multiple occcasions my rights, titles, and interests solely between myself and Berlin Wheeler. 

I request that, unless the DEBT COLLECTOR can provide the contract demonstrating my transfer of rights, titles, and interest to them, they remove it from my credit report. I am specifically asking the DEBT COLLECTOR to produce the contract solely between them and me, wherein I signed over my rights, titles, and interest.
Product: Credit reporting or other personal consumer reports

To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company via mail dated While checking the above report, it came to my notice that your Company has furnished an account on my report. 

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of informa- tion regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the al- leged debt ) by the Company will amount to Communication as per Fair Debt Collection Prac- tices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. 

Any further contact by your Agent or Company, except a communication confirming your ac- knowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against XXXX this account from my consumer report asap.
Product: Mortgage

My current situation started in XX/XX/XXXX when I was layed off from XXXX XXXX XXXX ; a job of 2 years. I approached TCF the following XX/XX/XXXX and discussed possible options for a mortgage modification. At the time my monthly payments were {$1000.00} per month and TCF agreed to a year long temporary modification of {$650.00} a month. In XX/XX/XXXX, after my monthly payments had returned to the original {$1000.00} per month that I again approached TCF on the possibilities of a permanent modification. TCF requested that I submit the required forms which I did the next month. I did not hear back from TCF all XXXX and into XX/XX/XXXX despite numerous attempts on my part during this time. It was at this time ( XX/XX/XXXX ) that I decided to cease monthly payments to TCF in the hopes of " lighting a fire under their feet '' I was contacted by TCF in XX/XX/XXXX and offered a " trial '' modification of {$950.00} per month ( with a 3 month phase in period ) which I accepted due to my desire to work with TCF. I made the XX/XX/XXXX and the XX/XX/XXXX payments but due to my employment situation at that time I was not able to make the XX/XX/XXXX payment. I resumed employment XX/XX/XXXX and contacted TCF the following month seeking to address this issue. At this time ( XXXX XX/XX/XXXX ) I was informed that TCF would resume accepting payment if I would remit 2 payments of {$1000.00} for XX/XX/XXXX and then {$1000.00} a month there after. I agreed to this because, once again I want to stress that I wanted to work with TCF. The 2 payments of {$1000.00} in XX/XX/XXXX and {$1000.00} singular monthly payments were electronically withdrawn via phone call voice authorization from my Mother 's TCF account due to the fact that my TCF account of 26 years had been shut down due to identity theft in XX/XX/XXXX. I had made payments for XX/XX/XXXX,, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. When I attempted to make my XXXX XX/XX/XXXX payment I was informed that XXXX was no longer accepting payment from me and had begun the foreclosure process. I made one last attempt at modifying my mortgage starting in XXXX XXXX. After supplying again requested paperwork my " hardship modification '' was denied in XXXX XX/XX/XXXX. The following month XXXX XXXX XXXX ) I received in the mail a solicitation from a company that had agreed to assume my mortgage and modify my monthly payment down to {$550.00}. per month. This company needed TCF 's permission to proceed with the assumption process but after providing the new company with several phone number contacts to TCF 's mortgage office and numerous attempts by myself and the new mortgage company to establish a dialog. These efforts proved utterly futile and lead me to my honest belief that TCF was " stonewalling '' any attempts to rectify my situation to save my home and that TCF had most definitely developed a hostile and aggressive attitude and posture towards me
Product: Credit reporting or other personal consumer reports

I am writing regarding an ongoing issue with inaccurate information reported by XXXX XXXX XXXX on my credit report. As you may be aware, I previously disputed this information, and XXXX ruled in my favor, confirming that the reported information was incorrect.

However, despite this favorable ruling, the inaccurate information remains on my credit report due to either an outdated or erroneous statement provided by XXXX to the credit reporting agencies. This incorrect reporting is unjustly damaging my creditworthiness and causing significant distress. 
To resolve this matter amicably and avoid further escalation, I am proposing the following settlement : 1. Immediate Correction or Deletion : I request that XXXX immediately update or delete the inaccurate information on my credit report with all credit reporting agencies.

2. Written Confirmation : I request written confirmation from XXXX that the necessary corrections have been made and that no further inaccurate information will be reported regarding this account. 
3. Expedited Handling : Given that XXXX has already ruled in my favor, I request that this matter be treated as a priority and resolved within 14 days of receipt of this letter. 
Please be advised that I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the Rhode Island Fair Credit Reporting Act ( RIFCRA ). I have also consulted with an attorney regarding this matter. If this issue is not resolved promptly, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant regulatory bodies. Additionally, I am considering legal action to enforce my rights and seek damages for any harm caused by this inaccurate reporting.
Product: Debt collection

XXXX XXXX is calling all times of the day and late evening. But, worse they are coming to my house at all hours of the day and evening ringing the doorbell and banging on my door. They do this 2 or 3 times a day. We have told them to leave our property or we will call the police and they say they are not leaving. This has been going on for weeks. My family life and working from home has been totally disrupted. We are prisoners in our home.. they come to my house, my property several times a day. I feel threatened by them and so do my grandchildren. They are stalking my family. They are threatening to put a lien on my house. They will not stop this harassment on my property. 
Every day no matter how many times they show up banging on my door and harassing me and my family, they leave the document attached in my door.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/XXXX to XXXX, Transunion and XXXX ; My tracking numbers are XXXX, XXXX & XXXX. It has been more than 30 days and the credit bureaus failed to send my investigation back. 

According to the las 15 U.S. Code 1681i Procedure is case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from the file in accordance to paragraph ( 5 ), begore the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX the three main bureaus primarily Equifax hindered sending me my updated and complete bureau reports. 
I am XXXX, publicly assisted and feel violated by the childish games they with phone banks being transfered to out of the united states customer services agents.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Inquiry - XXXX XXXX XXXX XX/XX/XXXX Transunion Inquiry - XXXX XX/XX/XXXX The two inquiries that I have stated are reporting on my XXXX and Transunion credit report. These inquiries have been placed onto my credit report without my knowledge or consent. I am a victim of identity theft. 

I have asked the credit bureaus to remove the fraudulent inquiries from my credit report. They informed me that the items will be removed, but they are still reporting on my credit. There has been no change.
Product: Credit reporting or other personal consumer reports

It is of utmost importance that you understand the seriousness of this matter. I feel compelled to stress that I am fully dedicated to taking legal measures against your organization. In spite of my continual appeals for you to thoroughly look into and fix the errors that are affecting my personal credit report, your apparent indifference to my demands is extremely troubling. According to regulations, it is obligatory for you to handle and correct any incorrect details that have been brought to your attention. 
Your persistent neglect in addressing this issue is unacceptable. Given the gravity of this situation, I strongly urge you to promptly address the necessary steps to resolve this matter before further actions are pursued. 

XXXX XXXX XXXX - XXXX - They reported an account under my name without a written agreement. A legal contract requires the involvement of both parties and I was not a party to any such agreement. CEASE & DESIST. - There shouldn't be late payment reporting on this account seeing as it's a collection account! This agency is in violation of XXXX XXXX. XXXX. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, this account must be DELETED from my report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked, to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine. 

I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

It says this account was opened in XXXX of 2022, however I have never had an account with this company and did not open a new account in XXXX of 2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent accounts on my credit reports and I've disputed them several times with the companies and XX/XX/XXXX and Experian and they are still stating these are mine without properly verifying with my signature. Please remove the following fraudulent accounts immediately, thank you. 

Account Opened Amount XXXX XXXX XX/XX/XXXX {$37000.00} XX/XX/XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and upon review I found an account that is not mine. The account is XXXX XXXX XXXX and the original creditor is XXXX  XXXX with a balance of {$730.00}. I live in Texas and have lived in Texas since the XXXX. I have never done business with XXXX XXXX in my life. I do not know where this account came from but it is not mine.
Product: Debt collection

Company in question : ProCollect Inc, XXXX. XXXX XXXX XXXX, TX XXXX XXXX : ( XXXX ) XXXX I have been called continuously to provide credit/debit card information. I have been making payments through money orders and XXXX. This company had tried to collect a debt that I owe to an apartment complex. When first contacted about the debt by XXXX XXXX ext. XXXX, i was immediately asked to provide debit/credit card information to make payments on the amount owed. After I declined to provided said information, it was agreed upon that I would be able to make payments via money order or XXXX. On XXXX XXXX, 2015, I sent a money order in the amount of {$100.00} dollars which they received and cashed. 
Nearly a week later, I was contacted by a different representative and asked again for credit or debit card information to make a payment. I again declined to provided that information for my next payment. On XXXX XXXX, I mailed in another payment for {$100.00} which was cashed on XXXX XXXX a week later, I was contacted again by XXXX XXXX asking for credit/debit card information and my next payment. XXXX XXXX alleges that they did not received the payment that was cashed on XXXX XXXX. I sent in proof of payment and asked her why I have note been receiving monthly statements of my owed balance after making payments. She simply brushed me off. In frustration, I asked if there was another way that I could provide payment without putting a card on file. XXXX XXXX and I agreed that sending a XXXX would suffice since they are affiliated. On the same day of our conversation ( XXXX XXXX ), I sent a XXXX with XXXX XXXX on the phone and verified the reference number for my payment. XXXX XXXX verified that the payment would be processed. Again, I asked her again about receiving a monthly statement in the mail. XXXX XXXX stated that they are not " obligated '' to provide me with a statement. A week later, I received yet another phone call from yet another representative again asking for credit/debit card information to provide payment. This representative even asked me to pay the balance in full during this call. Again in refused to put a card on file and ended the call. Ever since, I have been receiving phone calls XXXX times weekly asking for a credit card. I have never dealt with any debtor who refuses and declines my request for a monthly statement and refuse to send any more payments until I know that this is a legit and legal company collecting my payments.