23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX at XXXX, a man named XXXX XXXX from Harvard Collection Services called me asking to verify my name, social security and birthday, which were all correct, but I refused to verify the information because I do not owe any money giving XXXX no reason to call me and ask for verification of private information. Just to be sure I had no outstanding debt's, I looked up any outstanding balances which appears on my XXXX account. After seeing that in fact, I do not owe any money at this time, I called back and asked for the companies address, phone number, and name of the person with whom I was talking to.
Product: Credit card or prepaid card

I have been using Google services and their subscriptions for many years now and I've made a lot of my payments with a prepaid card specifically the XXXX XXXX Cash card. Recently things have changed and my car stopped working so I contacted customer service and explain the situation and he suggested that I keep trying to process it and I got me suspended. I told him it wasn't working and I didn't want to keep trying because the bank might block it. Instead Google payment services suspended my account. I explained the situation as I did here. I was somehow and glady able to remove ALL subscriptions connected to that card by cancellation of services. That is another issue with not getting refunds. I also deleted my card and it is no where on file with Google. I have since then closed that account and tossed the card in the trash. Now they're wanting me to prove ownership of that card and I've already explained I know longer have it. I sent them an account statement, Identification, and a screenshot of card info that I had when I ordered it ( the card ). 

I can not pay for my remaining subscriptions and am now receiving suspension notices and I've tried explaining yet again I am trying to pay but the payments team won't let me. I'm about to lose all my services that I've paid for.
Product: Debt collection

The creditor never allowed me the opportunity in writing or otherwise to validate the debt. They moved forward with a lawsuit without allowing me to dispute the validity of the debt.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX & XXXX Account # : XXXX XXXX Account # : XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 
According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

The email was from this company, and the persons name was XXXX. 

Ive checked my credit report and Ive never had this credit card that they say I owe on. 

This is the email I received : You currently owe {$610.00} to XXXX XXXX XXXX. 
You may wonder why TrueAccord is contacting you about this balance. We know it may be confusing, so here is a breakdown. 

XXXXXXXX XXXX XXXX XXXX. was the original creditor. When your debt was overdue, XXXXXXXX XXXX XXXX XXXX. sold the debt to XXXX XXXX XXXX who currently owns this balance. XXXX XXXX XXXX has asked TrueAccord to help you resolve this balance. That's how you got to us.

You can view your options for resolving the balance by clicking the button below. If you have questions, you can reply to this email. A member of our XXXX XXXX will assist you. 
This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. Nothing in this email changes your rights as described in our initial communication. 
Please read below for important disclosures.

Your TrueAccord account number is : XXXX Unsubscribe Privacy Policy Dispute this debt Need help? Call us at ( XXXX ) XXXX ( XXXX XXXXXXXX ) between XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was contacted by a lady claiming to be working for Household credit card company sharing that I had an outstanding credit card that had a balance and overdue charges that had to be paid from XXXX  years ago of {$3100.00}. I never opened that account so I informed her that the charges were incorrect and that she needed to send me verification my having had the credit card account. She did not send any paperwork to either my home or my email. 

Today I received a call from XXXX, who stated she worked as a debt collection intermediary for Household Credit card company ( she shared it was also knows as Orchard Credit ) that Household had filed a civil suit against me regarding this debt, but that they would drop all charges if I made a settlement of {$1800.00}. She shared that Household had sent me paperwork previously- to which I replied that none had ever been sent. I asked for written or other verification of the paperwork being sent and a copy to be sent to me today. She shared she was not able to send me anything and if I didn't pay the amount the company was taking me to court. The card she said started with XXXX and ended with XXXX. She told me to check my credit report to find all the documented information there. I just pulled up all three credit reports and there is no information for this card or company listed on my records. The only other thing I would get out of her was that the representative at the company making the charges was XXXX XXXX. The number for this company is XXXX. This seems like a scam and I would like to stop them from contacting me any further.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS WILL BE MY 3RD ATTEMPT WRITING TRANSUNION ABOUT THIS ACCOUNT THAT THEY KEEP REPORTING ON MY CREDIT FILE. IT WAS DELETED FROM MY CREDIT PROFILE AND PLACED BACK ON BY TRANSUNION. THIS IS A MAJOR VIOLATION OF MY RIGHTS. IM GOING TO CONTACT MY LAWYER ABOUT THIS MATTER BECAUSE I HAVE NEVER DONE BUSINESS WITH THIS CREDITOR, MY SIGNATURE WAS USE FRAUDULENTLY.
Product: Credit reporting or other personal consumer reports

I am a victim of data breach, in which my personal information was exposed. As a result of this breach, I am requesting that any fraudulent accounts opened in my name be blocked and deleted in accordance with my rights under 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ). 

Specifically, I request that Experian block and delete : XXXX XXXXXXXX XXXX that was opened or created as a result of identity theft or unauthorized use of my personal information. I believe this account is a direct consequence of the data breach and should be promptly addressed. 

To support my request, I have enclosed the following documentation : A copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ). A copy of my government-issued identification, Proof of address Any other required documents for verifying my identity and the fraudulent activity. 
Please take the necessary steps to block and delete this fraudulent account associated with identity theft from my credit file. In accordance with the FCRA, I request written confirmation that these actions have been completed and that my credit report has been updated to reflect the correct and
Product: Debt collection

I have thoroughly reviewed my records, and I can confirm that I have never had any dealings or financial obligations with XXXX XXXX XXXX or the reported account. This inaccurate reporting is not only misleading but also adversely affecting my creditworthiness, which has significant implications for my financial standing and opportunities. 
I've disputed the validation of debt with XXXX XXXX XXXX they have failed to provide proper documentation. 
Under the Fair Credit Reporting Act ( FCRA ), it is your legal obligation as a consumer reporting agency to ensure the accuracy and integrity of the information you report. Section 611 of the FCRA grants me the right to dispute any inaccurate information on my credit report and request its prompt investigation.
Product: Vehicle loan or lease

For the second time in a month XXXX XXXX XXXX, in XXXX XXXX. Has used my address on loan applications for vehicles for other people, without my permission. I am a home owner and have owned my home for XXXX years. I have been receiving mail for these people with my address and their information requesting auto loans from this dealer. One of the incidents has presumably been resolved, as it was an error by the finance department for using my address on a flyer I received in the mail that I gave to a family member who was looking for a vehicle. Although this has presumably been resolved this should have never happened in the first place if they were to have checked paperwork properly considering this family member does not live at my address, get mail, receive bank statements nor paychecks to this address. All which I can assume were provided during the application process. The second individual who is using my address is absolutely no one I know, nor even the previous home owners. This home has never been used for a rental. I am very concerned that my personal address is being used by this dealership so carelessly and illegally I might add. When I spoke to the apparent finance manager XXXX he stated that he pulled the file for the named individual and that she provided a different address which he read allowed to me ( not sure if that violates any privacy laws for her ). But regardless that doesnt explain why I am getting credit applications for her with my address. I am absolutely not ok with this and concerned because it seems they are incredibly negligent with their paperwork.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATEXXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX, FL XXXX Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court.

I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX XXXX FL XXXX
Product: Credit reporting

this fraudulent account that was removed/deleted in XX/XX/XXXX was reinserted on XX/XX/XXXX from transunion. Transunion failed to notify the reinsertion of this account within XXXX day.s
Product: Credit card or prepaid card

Called to complain that the site/payment platform and options a ) did not work reliably to process or post a timely payment and customer service suggested paying through an intermediary instead. 
b ) system considers payments " late '' based on XXXX XXXX XXXX unfairly to XXXX XXXX customers AND ; c ) effectively CHARGES AN LATE FEE on the SAME DAY the payment is due if after " XXXX ''. 
d ) In addition the late fee seems to be the same amount or nearly the same as the payment that was due. Also exceeding the comparative interest on the whole amount. 
e ) the following month they have raised the minimum due ( irrespective also wanting the late fee charge ) to DOUBLE the 'minimum paymnt due ' the prior month. 
Example - This month it now says the XX/XX/XXXX payment is XXXX $ - I explained all this and requested relief and was told they would request it be reviewed to credit it. I WILL NOT pay the increased amount or the Late Fee. It is not fair and i don't care to be treated this way. 
Thanks
Product: Payday loan, title loan, or personal loan

Im trying to get a payday loan so i can make it to work until i get paid this coming Friday. I have direct deposit set up with in my pnc checking account. I have only received one paycheck in the amount of approximately 500 dollars since I went back to work XX/XX/XXXX. I cant get the loan because I cant attach my pnc account to this app, XXXX, or XXXX.
Product: Student loan

They not only took loan payments from my mom and only applied them to XXXX loan instead of all the loans that were being covered so that she had to pay higher interest and kept calling and harassing us telling us loans were past due. And my loan went from XXXX to XXXX because of late fees and interest. They would n't let me initially put my loan on forbearance they would n't let me do any repayment plans they told me I was not eligible for any of them. And then I found out that they have sent {$5000.00} to a school I never attended and when I spoke to them about that they told me it was my problem and I had to get the money form the school back. I spoke to that school and received a letter stating that I was never a student there and they return the first XXXX that they sent because the loan was canceled then after all that navient sent them another XXXX even after they were told the loan was cancelled and wo n't tell me who they sent that money to you with any proof of who they sent it to. So what happened to that XXXX navient is trying to force me to pay or they will put me in default and ruin my credit and they have already done damage to my parent 's credit and that is only the tip of the iceberg I do n't even think I can fit everything they 've done to us on this. But then when my mom confronted them they lied to my mom and said I told them to give me the {$5000.00} they accused me of theft and slandered me to my own family I never once told them to do that. And now I received a bill from them stating I owed {$480.00} but my mom got one for the same loan stating she only owed {$280.00} and when I spoke to them on the phone they said only {$210.00} was passed due and would not give me a straight answer they just kept giving me the runaround on why they were different payment amounts this causing undue stress on me and my family causing family problems they are trying to tear my family apart apparently and destroy our credit and our life. I have XXXX different loans from XXXX to which I received private expense loans which I will gladly pay back and have almost completely paid back to the XXXX that I refuse to make payments for money sent to a school that magically disappeared that I never even attended. I only went to XXXX School the situation is very confusing but as a lending company they should be required to keep their loans straight and separated like they should be XXXX of those XXXX schools I ended up not attending due to financial situations and inability to move out of state.
Product: Credit card or prepaid card

I have been using my Amazon Rewards card since 2009 and have been a faithful customer. XXXX day I noticed there were a few purchases on the Amazon Chase Awards card that neither my husband nor I made. Next, I told both Amazon and Chase about the purchases. I received no response until a couple of weeks later a new card arrived in the mail. I contacted them and said I did not want the new card and they said they thought it was best as I had reported identity theft on it.

When I went to my account ( s ) as the first card was still being used by me and I did not activate the second card I discovered that my Rewards were all gone and I had about 5000 of them on the old card. 

When I purchased something I noticed that sometimes it would go on the new card and sometimes it would go on the old card. 

When I went online to pay the bill sometimes the old number would come up and some-times the new number came up, but I could not access the two accounts with the same sign in.

I contacted Chase and a foreigner, XXXX, talked to me, whom I could barely understand. She asked me if I was calling about my Southwest card! I said no and that I was calling about my Amazon Rewards cards. She told me I had no Amazon Rewards cards???????

I hung up. I did not give her any numbers of the cards or anything like that.

When calling about the Amazon cards I always used the numbers that were on the back of the cards, which were the same number. 

I then tried to tell Amazon about the situation and they told me to call Chase and that they could not help me.

I do not know what to do at this point. I do not know which card to pay, how to pay it, if it is in fact Chase I would be paying or if it is a hacker.

You will see by the files I uploaded that one purchase was one card number and another purchase wanted the other card number. 

Please help me. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting or other personal consumer reports

I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copyof my ARS consumer credit report sent to me via mail.
Product: Credit card or prepaid card

I have never received a credit card or anything pertaining this credit card. However I have been receiving phone calls NON-STOP all day with harassing voicemails, regarding a balance overdue. I have explained I never received this credit card and I called XXXXXXXX XXXX requesting an itemized bill of what was purchased. I was told they couldn't find that information. I have never approved for my information to be shared with anyone or 3rd party company.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I emailed all contact departments for Equifax on XX/XX/year> stating I have filed a formal complaint against Equifax for violating consumer reporting laws and failing to comply with the Fair Credit Reporting Act ( FCRA ). Despite my previous reports via email to Equifaxs XXXX XXXX XXXX, Support Services, and XXXX Department, no corrective action has been taken. 
Equifax has engaged in unauthorized investigation reporting, falsely attributing statements to me claiming that I reported certain credit applications as fraudulent or disputed them. As a result of Equifax XXXX erroneous reporting, XXXX of my credit card accountson which I have an excellent payment historyhave been fraudulently closed. These closed accounts now appear on my credit report, severely damaging my credit profile. This will hinder my ability to apply for a XXXX loan to purchase a home, directly impacting on my financial stability and future. 
I demand that all XXXX of my credit card accounts be reinstated immediately and that all inaccurate comments be removed from my credit report. Additionally, I want to emphasize that I never disputed any of my accounts directly. My disputes were solely against the inaccurate and missing information reported by credit reporting agencies. 
I am also formally notifying you that I have filed complaints with FTC, CFPB, and the Texas Attorney Generals Consumer Protection Division regarding Equifaxs misconduct. Due to the significant financial burden and mental anguish this has caused, I am considering filing a civil lawsuit against Equifax for damages. 
Equifax XXXX negligence has led to unjust financial hardship and potential long-term consequences. I request an immediate investigation into this matter and expect enforcement actions to ensure compliance with federal and state consumer protection laws. Please confirm receipt of this complaint and provide guidance on any further steps I should take. 
I appreciate your prompt attention to this matter and look forward to your response. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked at my recent credit report and noticed that there are some very damaging, INACCURATE information being reported. The Fair Credit Reporting Act entitles me to dispute any information on my credit report that I believe is inaccurate. This law requires that all of the data included in a consumers file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency against me are false. The allegations that are reporting right now do not meet federal or state requirements for reporting, so they can not be confirmed. It is required by the bureau to maintain and report data with complete accuracy and compliance. 

Everything needs to be accurate and in the correct format as required by law ( FCRA ) and XXXX XXXX standards. Consider this a formal notice that things arent being handled properly and need to be fixed immediately. Im giving XXXX days for this to be resolved. Please send me proof of your actions along with my updated credit report. If the claims are inaccurate, I expect you to correct them with verified information. If theyre untrue, remove them right away. 

Below is a summary of the data in which I am challenging : I had requested that this account be verified, and I have not seen any proof that it was. I need all correspondence regarding the previous dispute including the data provided to Equifax that this account is accurate. If the agency is unable to do so, please remove this account from my credit report immediately. 
XXXX XXXX XXXX- This is not my account. 

This account is showing information thats outdated and inaccurate. That is a clear violation of my rights. Under XXXX U.S.C. XXXX, credit reporting agencies are supposed to make sure what they report is accurate. Thats clearly not happening here because the account details dont match. I also had requested that this account be verified, and I have not seen any proof from you that it was. I need all correspondence regarding the previous dispute including the data provided to you that this account is accurate. 
XXXX XXXX - This is not my account and is showing inaccuracies! 

This agency is in violation of XXXX U.S.C. 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. 
XXXX XXXX XXXX - This is not my account!