23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I 'll try to make this brief : Beginning in XX/XX/XXXX, I began having problems with my XXXX phone and charges. I ordered a new phone through them and it was defective. I made several trips to the local XXXX store but problems continued and I was told the phone could not be repaired. They sent a new phone to the local store but then wanted {$20.00} shipping. I refused to pay that since the worthless, defective phone was not my fault, plus I DROVE to the store to pick it up. In the meantime, my XXXX charges went from the quoted {$85.00} per month to {$120.00} per month, with no explanation. Calls to customer service were useless and I finally got phone service with XXXX. I attempted to return the defective XXXX phone to XXXX different stores and they all REFUSED it. XXXX began contacting me, saying that I owed ridiculous amounts of money, then collection agencies began contacting me. DIVERSIFIED CONSULTANTS called me in XX/XX/XXXX and I told them what I am telling you -- that I did NOT owe this absurdly outrageous {$500.00}. The agent then asked me if I was disputing the charge and I said YES. He said that was fine and that he had made note of it and SOMEONE WOULD BE CONTACTING ME about the dispute. No one ever contacted me and I discovered today that DIVERSIFIED CONSULTANTS has reported this to XXXX XXXX as a collection/charge off!!! I called Diversified today and was told that this should NOT have gone against my credit since it was in dispute and that she would give the information to 'administration ' and for me to call back in two or three weeks. My credit score was XXXX out of XXXX, showing that I am a very honest and responsible person. XXXX has been wrong about these charges ( and their terrible customer service ) and Diversified has deliberately lied to me -- saying in XXXX that someone would be contacting me about my dispute -- when NO ONE contacted me and it was put against my credit.
Product: Debt collection

Affirm claims I didn't pay a debt, which I did. They claim they sold my unpaid debt to XXXX XXXX, who never contacted me or gave me a chance to dispute the debt. I contacted XXXX XXXX who said they don't have the debt and it is with Affirm. Affirm repeatedly tells me that they don't have the debt and its with XXXX XXXX. Meanwhile, they are reporting this on my credit report and they are refusing to allow me to pay it ( even though I dispute it ). I have been denied credit because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : XXXX XXXX  Inquiry Date XX/XX/2016
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment was made within the XXXX grace period : My payment for XX/XX/XXXX was made on time, which falls within XXXX 's standard XXXX grace period. Therefore, the account should not have been reported as XXXX days late. 
Clerical error by XXXX : Upon reviewing my account, I identified that my payment, which was made on time, was incorrectly marked as late due to an internal clerical error by XXXX. This error led to an inaccurate XXXX late payment report. 
Evidence provided : I have attached bank statements and payment confirmations showing that the payment was made on time. This documentation demonstrates that no delinquency occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

Capital One account was charged off, as it state on my XXXX credit report. Which whenever an account has been changed off it should not be reported on a consumers credit report as well a write off. The company did not send me a 1099 C form after they charged off the credit as well as reporting a charged off on my report that's considered fraud. Under the FCRA, I'm entitled to seek statutory damages if a creditor furnishes inaccurate information about a debt, such as inaccurately reporting a charge off. While still claiming I owe the debt. I would like to receive my 1099-C form as well as it removed from my credit report. I can sue capital One for fraud.
Product: Student loan

My initial disbursement was XXXX on XX/XX/XXXX. The balance remaining is XXXX as of XX/XX/XXXX, which at this time I stopped paying. The lender is navient which then was turned over to XXXX XXXX XXXX. Over the 8 years I have paid XXXX towards this loan, why do I not see a decrease in the amount? furthermore, it is on a 6.75 fixed rate which doesnt show it being fixed on my account history. The interest amounts vary each month.
Product: Money transfer, virtual currency, or money service

I had to cash a check at Check into Cash for over {$23000.00}. The didn't have enough cash on hand to give me the full amount so they had to load it onto prepaid cards. After charging a check cashing fees of over {$2000.00} I also had to pay {$5.00} card loading fee for each of the 3 cards. Then an additional {$5.00} to put money in my XXXX account and another {$5.00} to load the remaining funds on another card. When I got home I set up the accounts for the new XXXX XXXX  cards and discovered a {$5.00} monthly maintenance fee on each card. After about a week I checked my transaction history and found {$3.00} ATM fee every time I withdrew cash at an ATM machine. Plus {$1.00} Per Use Fee every single time I use the card. They never said anything about all these outrageous fees and didn't give me any choice on the matter. It was taken what is given or you don't get anything at all. You would think that the check cashing fees would cover the cost of loading prepaid cards. Now I'm paying {$1.00} every time I use my card. I'm low income and that money was my settlement from the XXXX XXXX in XXXX. I'm having a hard enough time rebuilding my life and companies like this don't care if they are compromising peoples quality of life as long as the can profit from it. Also they were fundraising for some charity and asked if I wanted to donate to the cause. I said no but she kept trying to negotiate a price that originally was set at over {$800.00}. She claimed that it would give me a nice round number. She then lowered it to {$300.00} and proceeded to trying to guilt me into it. After lowering the amount to {$100.00} and continuing to push the issue I told her I would donate {$20.00}. I shouldn't have to sit there and explain that just because I just received {$20000.00} doesn't mean I can afford to give it away. They had taken enough of my money already.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several requests that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items are listed below : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance XXXX {$9800.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Mortgage

I am being charged over XXXX  % and I am XXXX XXXX military stationed in XXXX, I am wanting to receive XXXX XXXX benefits to lower my interest rate and pay back all interest charged over.
Product: Debt collection

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago from the credit bureaus. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor and my sign hippa release form. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX   ACCOUNT NUMBER : XXXX
Product: Checking or savings account

I've been a chime member for a few years now and as of today XX/XX/23, they closed my account without notifying me or given me any reason. 
I have money in my account that I can't access now, I have rent due XXXX  weekend, I already did my taxes that was submitted for direct deposit which now I need to figure out what to do now. 

I've reached out to chime multiple times now for help and what I can do to get my account back but no response other than they can't do anything and that a check will be mailed to me within 30 days which that is bizarre and too long for me when I have bills to pay and I didn't even do anything wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I consumer XXXX XXXX have submitted documentation over 5 months to the three credit bureaus. All of them have repeating ignore my documentation and fail to verify this account with the name of XXXX. I have provided the promissory note that have no correct signature on it. This is a fraudulent account and they are refusing to update and blocked this account from my Credit report. As a consumer these bureaus are violating my rights the are defaming my character which is violation according to 15 USC 1692d. The are continuously keeping this misleading account on my credit report which is a vioaltion according to 15 USC 1692e. They are using abusive practices according to 15 usc 1692a. The credit bureaus fail to validate this debt repeatedly and its been over 5 monnths which is a violation according to 15 USC 1692g. I have attached documentation that XXXX  AND XXXX  have sent me. I have sent all of these to you all. I have attached a copy of my License and SSC.
Product: Credit card

On XXXX XXXX XXXX my phone was stolen when I was out and the person who stole my phone used my credit card that was in my XXXX XXXX XXXX The person had all access to my personal information and was able to pose as me by changing my email and passwords. As a result, the person was able to bypass security measures and act as myself. He committed fraudulent charges with my Wells Fargo credit card in approximately {$2000.00} and my XXXX credit card in approximately {$6000.00}. I have tried to dispute with the bank on several occasions and they have said because the security measures cleared, I am responsible for the charges. I did not make these transactions, and it is unjust that I have to pay for charges not made by me.
Product: Debt collection

ProCollect has an incorrect line item on my credit report with XXXX that I disputed in 2011 and they refuse to remove it. The person 's name is XXXX XXXX ... that is NOT my name. 
Procollect , Inc. 
XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX mapOffice : XXXX or XXXXXXXXFax : XXXXXXXXCorrespondence to Collectors : XXXXXXXXCorporate DirectoryXXXX XXXX - PresidentXXXX XXXX - Vice President / Director of Recovery OperationsXXXX XXXX XXXX Client Services ManagerXXXX XXXX - IT Department Manager
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear   XXXX   XXXX   XXXX     : This is in regards to an account that was opened in my name around  XXXX  that I recently saw on my credit report and learned you are attempting to collect  XXXX  from me.     I am an identity theft victim, and the debt you are trying to collect is the result of fraudulent usage of my personal information without my consent. Please cease contact with me or anyone else about this debt, with the exception of a creditor or consumer reporting agency to restore my good standing.     Under law, you  may  only contact me once more to acknowledge that you have received this request.   Under the Fair Debt Collection Practices Act, I have the right to view copies of applications of other proofs of this debt your agency possesses. Please forward these documents on for me to view.     I expect to receive your confirmation that you have received this notice by  XXXX / XX/XX/XXXX
Product: Checking or savings account

On or around XX/XX/2023 I opened a business checking account for XXXX XXXX XXXX with Truist Bank at a branch in XXXX XXXX MD on XXXX XXXX. I then proceeded to deposit funds into the account for normal business operations. On or around XX/XX/2023 I found that I no longer had access to said account for deposits or withdrawals. I have visited various branches and made numerous phone calls seeking and explanation on the closure and remitting of existing funds. There is a balance in account confirmed by statements sent to us of {$8400.00} that we would like sent back to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I received an unauthorized credit inquiry by Destiny a registered trademark of Genesis FS Card Services , Inc., without permission and without notifying me before authorizing the inquiry via phone as instructed nor did they perform their due diligence before gaining entrance to my credit report. 

XXXX Attachment 2 is regarding the second complaint about XXXX XXXX, Identity Theft collection of misrepresented information. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX US bank I called because I could use my account the forward my call to someone name XXXX saying that on the notes it say to forward the calls of that account to her she told me I had to wait that they where going to call me back.Never got a call back On XX/XX/XXXX I called left couple of msg she didnt answer or called back called the branch they say they could help me On XX/XX/XXXX I called left a voicemail to XXXX she return my called she just say that the branch decided to closed my account to wait 30 day after my account is closed for them to mail out a check with the amount On XX/XX/XXXX received a letter that the account was being closed. 

On XX/XX/XXXX I called the branch say the account closed on XX/XX/XXXX that to give 1 to 2 weeks to receive the check. 

Its been already more than a month and now they just forward my calls to one and to another person and its getting stressful that I havent receive no check. 

On XX/XX/XXXX called customer service a person with the name XXXX told me that a check with the amount of XXXX had to be mailed already And havent hear nothing or received nothing and I just fell US bank is not helping me
Product: Checking or savings account

On XX/XX/XXXX a transaction was placed to XXXX for XXXX. A balance of XXXX plus was in account. 
After no delivery 5 to 7 days. A check with XXXX customer service automated service stated material shipped. Looking further into date for delivery a customer service rep. Stated payment authorized on XX/XX/2021, declined on XX/XX/2021. Navy federal Credit Union was contacted today XX/XX/2021, teller stated XXXX did not accept transaction in 3 days and money was not returned to may account. I would like the return of my monies to purchase medically necessary material. 
Can I get help with this theft?
Product: Debt collection

I have received numerous calls to my cellphone, work ( which my boss was not happy about since I couldn't perform my job due to taking the phone calls ) they have even contacted my eleven year old daughter. I want the harassment to stop and they keep on calling me numerous times during the day. They never disclosed the alleged amount owed, they do not have the my correct address nor my exact corrected name on file. They are not even the alleged original collector.
Product: Bank account or service

I have been a banking customer with Ally for several years. Recently I got an alert that there was XXXX overdraft fees charged to my account. I chatted in only to receive rude customer service with no solution. I was told in chat ( record available ) that I would not be charged any more fees due to the account being fixed. To my surprise a XXXX fee was now charged with no regard. Contacted Ally again ... .No help at all. I am not sure what has changed with Ally but refusing to opt out of overdraft clearly shows that Ally is trying to hide something.
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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 informationisinaccurate. 
Please remove these Inquiries from my credit report. 
These inquiriesarelisted : XXXX XXXX XX/XX/XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion report wrong info about my annual salary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the XXXXXXXX XXXX  30 day late payment over 60 days ago and have not received proper dispute results from XXXX or Trans Union, XXXX  sent a response that the account was current and never late but still did not remove the 30 day late payment in XXXX. These errors have left me handcuffed as a young XXXX XXXX who was in the hospital during covid 19 to have these negative reports leaves me at a complete disadvantage and i fell i'm being taken advantage of. 

XXXX responded to me that there was a banking error and they would update the credit beauraus and when they did not I sent in a dispute immediately over 60 days ago and no action has been taken since.