23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Debt collector " IC Systems '' sent a letter dated XXXX XXXX, 2017 notifying my daughter XXXX XXXX that she owes {$93.00} on a medical bill. IC Systems is collecting on behalf of XXXX XXXX. XXXX left XXXX XXXX 2017 to XXXX for 18 months and is out of state. 

ON XXXX XXXX, 2017 I called XXXX XXXX and confirmed that the debt had been paid. I then called IC Systems. 
I was very concerned that while XXXX was gone for 18 months that her credit remained in good standing. I told the representative that I was inquiring about why they sent the letter. The representative told me that if I was n't XXXX they could n't tell me anything. I told her that I was XXXX 's father and her legal representative while she was out of state on a 18 month XXXX. The representative became hostile and rude, and insisted that even though I was acting in good faith and was XXXX 's legal representative, she could not confirm the debt collection information or reassure me that the debt had indeed be paid off according to the Doctor 's office. I told her that I thought her actions were not right and that if her company sends a debt collection notice, when the legal representative calls to inquire, the debt collection agency has an obligation to confirm the debt amount, if owing. She insisted she could not, I told her I would then call the FTC and file a complaint. She said " Go ahead ''.
Product: Debt collection

I. Have been paying on my debt. But. This company. Started sending bill collectors. To my house. And more than once. I asked. Them. To stop knocking on my door
Product: Credit reporting or other personal consumer reports

Can you remove these inquiries? I am uninformed about this matter, and the company did this without my consent.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and previously informed your agency on XX/XX/year> about several disputed items. Despite this notice, the issue remains unresolved in a manner that violates my rights under the Fair Credit Reporting Act ( FCRA ). I included an FTC Identity Theft Report and have also filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding these items.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Phone call was received on XX/XX/2018 at XXXX XXXX PDT and there was reference to a debt owed by a deceased family member. I tried to speak with a representative but only got an answering machine. 

The company is called Resource Management Group and the number they called from is XXXX.
Product: Credit reporting or other personal consumer reports

I believe the information being reported to be inaccurate. 

XXXX XXXX XXXX XXXX  XXXX XXXX : {$XXXX}
Product: Debt collection

Dispute of Alleged Debt I am writing to formally dispute the debt being reported by Hauge Associates in the amounts of {$2500.00}. I have no business relationship with your company, and I believe that these debts were purchased from another company that has since terminated the original debt. Despite my numerous requests for proof of ownership and validation of the alleged debt, I have not received any documentation from Hauge associated to support your claims. As per the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you cease all collection activities and remove the inaccurate information from my credit report. This unwarranted reporting has negatively impacted my credit rating for the past four years, causing considerable distress and harm. Please provide the following information within 30 days of receipt of this letter : 1. A copy of the agreement that authorizes you to collect on this alleged debt. 2. A detailed statement showing the full accounting of the alleged debt. If you are unable to provide the requested documentation, I insist that you immediately cease collection activities and correct the inaccurate information reported to the credit bureaus. I look forward to your prompt response and resolution of this matter.
Product: Credit reporting or other personal consumer reports

sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX ) to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I has a fresh start program with XXXX XXXX from XX/XX/XXXX and was paid off in XX/XX/XXXX. 
Without my knowledge or consent they opened a XXXX XXXX XXXX in my name that I did not request and it is on my credit report as of XX/XX/XXXX. Because of this my score dropped XXXX points in one day. I am working very hard to build my credit now this has ruined all of my hard work. 
I contacted the credit bureaus as well, because I was trying to find out how I could remove that and get my XXXX points back. This is unfair and should be illegal to do this when I did not ask for this card or apply for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over a ago I was working for   XXXX   XXXX   XXXX   XXXX   of  XXXX , Pa. and I found out that the owner   XXXX   XXXX   had my Social Security Card in his possession.
I believe he used it to apply for credit under my name. As a result I now have several bogus accounts in my name under collections by   XXXX   for  XXXX ,   XXXX   XXXX  ,  XXXX  and  XXXX . None of these accounts I applied for myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my last Complaint to inform the XXXX XXXX XXXX that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the XXXX XXXX XXXX are required to remove any ITEMS which were opened without my knowledge, consent, or authority within XXXX 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. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Debt collection

I had XXXX XXXX orders with the XXXX XXXX to another state therefore me not paying was not a crime or should I still have to pay collection
Product: Credit card or prepaid card

I am a  XXXX   years old  credit cardholder o f American Express ( " Amex '' ). Due to u nforeseen circumstances, I fell behind on my payment. On Tuesday,    XXXX   XXXX  2017    , Amex attempted to make  XXXX  unauthorized withdrawals (  a/k/a Force Post ) fr om my checking account in the amount of {$980.00} which caused me to incur a charge of {$7 0.00} (  see attachment ). I t hen called Amex to a sk if they had taken money out of my account. The representative informed m e that Amex did  and that I needed to make another payment of {$1300.00} by     XXXX   XXXX   2017    or   they would take another withdrawal from my account, but unbeknownst to me and  the Amex representative the transaction did not go through because I did not have t he funds. I in formed Amex once again not to go into my account and that I would call Amex when I was going to make a payment. I spoke with Amex r epresentativ e on two prior  occasions. First, on Sunday,  XXXX   XXXX   2017  to discuss my late payment and make payment arrangements. I was informed by the representative that  Amex could take money out of my account without my permission. I told the Amex repres entative not to go into my account and felt like the representatives was trying to confuse me and get me to say th at Amex could go into my account. I informed the representative that he did not   have my permission and that I did not have that type of money in my account. I had my daugh ter call Amex on  Monda y,   XXXX   XXXX     2017  and inform  Amex again  that they did not have the authorization from me to go into my bank account. I have always paid my  Amex bill through my checking account, but I did not realize it game Amex the authority to go into account at will. I feel as though Amex is tryin g to intimidate me into committing to something that I can not do by threatening and attempting to go into my bank account without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan being financed through XXXX XXXX XXXX XXXX. It is not being report on my consumer report. My consumer file is inaccurate and incomplete. Its not reflecting my payments to my lender. Under FCRA 611 laws I need my account to report to my consumer file.
Product: Debt collection

I entered into a payment agreement with Alliance CAS for XXXX HOA collection fees on XX/XX/XXXX. I received one invoice dated dated XX/XX/XXXX, with a balance of {$1000.00}. At the time of the agreement, XXXX HOA fees had not been assessed, and were not due. Therefore, were not part of my payment plan. On XX/XX/XXXX, the XXXX XXXX XXXX held a meeting to assess XXXX fees, and vote. On XXXX I called XXXX XXXX to inquire about my coupon book. I was told that I was to pay through Alliance CAS. I stated to XXXX XXXX XXXX president, that I had not received an invoice, coupon, or any type of notice for payment. I advised I would pay through XXXX XXXX XXXX as I had with my XXXX dues, that I only owed Alliance CAS collection fees, I had paid all assessment fees, and lien fees directly to XXXX XXXX XXXX via XXXX XXXX XXXX. On XXXX, I received an email from XXXX stating I owed a late fee, and the full amount of {$390.00} for XXXX. However, I had not received a notice and asked her to remove late fee, and to break my payment into two payments as the other residents were afforded. She did not respond to my email. Instead ... sent me a certified letter of the late fee due. Please see attachment. You will see I have made my payments per the XX/XX/XXXX agreement, and only invoice received on XX/XX/XXXX. On XX/XX/XXXX, {$190.00} was due ; however, I didn't received coupon book for XXXX XXXX XXXX, and {$190.00} is due XX/XX/XXXX. I emailed XXXX twice, and she has yet to respond to resolve this issue.
Product: Debt collection

I moved at the end of XX/XX/XXXX and cancelled my service with XXXX XXXX. They continued to bill me for service at my new address. I had many calls with them during XX/XX/XXXX and XX/XX/XXXXto get this corrected. They did send me a gift card for one month of over billing but continued to dispute the other. On the last call, ( I have the date at home ) We agreed that they would partially credit my account and that I would pay {$55.00}. I told them I would pay this as soon as I received my gift card, and I did. Payment was deposited by them on XX/XX/18 and cleared my bank on XX/XX/18. They sent me to collections. I contacted the collections agency and sent them a copy of the front and back of my check to provide to XXXX XXXX. Yesterday, I was told they did not accept my proof of payment, the debt is still owed and they will continue to come after me for the money. I spoke with an attorney this morning and this is in violation of the Fair Debt Collections Act.
Product: Mortgage

XX/XX/XXXX - Called the number at the bottom of the XXXX XXXX XXXX  website page that it said to call with mortgage questions. Was told that that was the number for auto loans and was transferred to the mortgage department. Reached someone to ask what the process was to get rid of PMI. XXXX I spoke with automatically requested PMI be removed. When I said I just wanted info, she told me that I could call the number on the letter I'd receive if I have questions. 
XX/XX/XXXX - Received response denying removal ( expected ). 
XX/XX/XXXX- When I called the number on the letter to ask about process to get an appraisal to have this reevaluated, was told that the number I was given was the wrong one and was given another number to call. Called the new number. Waited on hold and was dead-ended into a voice mail. Left message. Tried several times throughout the day to reach a live person. No luck. Was not given a call back. 
XX/XX/XXXX - Called XXXX XXXX was told that that was in fact NOT the number to call to get this resolved. Was transferred to the original number on the letter I received. Was again told that that was NOT the right department and given the ( original ) XXXX XXXX again. Before the call ended, I explained my experience and was transferred to a supervisor. Supervisor gave me the XXXX XXXX again, after trying to transfer me, where she only got the voice mail also. 

I have no way to reach a real person to get this resolved. And clearly the XXXX customer service doesn't know to get it done either.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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 with paragraph ( 5 ), before 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. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

Synchrony charged me over {$400.00} in interest over six months and kept account statement emails that left out the interest being paid.

I made several purchases through sweewater.com using their financing tool Synchrony Bank. I set up the Synchrony account to be on autopay so I would not forget to make a payment and be charged interest. 

I, on XX/XX/XXXX, randomly logged into my Synchrony account to check how much balance was still owed and saw in my account activity that there were several interest charges. My full statement is not even available through their website they are mailing it to my home address but since XX/XX/XXXX I have received the following interest charges without being notified. 

XX/XX/XXXX - {$42.00}, XX/XX/XXXX - {$45.00}, XX/XX/XXXX - {$46.00}, XX/XX/XXXX - {$44.00}, XX/XX/XXXX - {$100.00}, XX/XX/XXXX - {$50.00}, XX/XX/XXXX - {$51.00}, XX/XX/XXXX - {$50.00} I reached out to customer service through their online chat portal and they refused to dispute any of the interest charges.
Product: Credit card or prepaid card

The details of my AMEX gift card no. XXXX XXXX XXXX was stolen on XX/XX/2020. I have known this when I checked the balance with AMEX on XX/XX/2020. The AMEX representative ( the name is XXXX ) who responded to my call ( at tel. XXXX ) told me that there was a transaction posted on the same date, with Transaction no. XXXX charging my card the amount of {$350.00}. I immediately told XXXX, the AMEX representative that time, to deactivate the said card. He told me he deactivated the card on that date and he will process a replacement card ( I received the replacement card within 5 days after our phone talk ). He told me to contact the merchant, XXXX XXXX to alert them of this unauthorized transaction. Which I did on the same date. This merchant has no phone contact no. in their website and so I sent a message as shown in e-mail message no. 1 attached in this complaint. I received a response email from XXXX dated XX/XX/2020 as shown in the attached e-mail message no. 2. I responded to this e-mail as shown in the attached e-mail message no. 3. The merchant responded on XX/XX/2020 as shown in the attached e-mail message no.4. 

I kept on calling AMEX to follow-up on the refund, but they kept on insisting that they can not process the refund because the merchant already charged the card. So based on the exchanges on the status of the refund I have been requesting since XX/XX/2020, in spite of my alerting AMEX and XXXX on the same day, the transaction was made, it seems that nobody, from AMEX and the merchant, XXXX would like to be fixing the refund. 

That is why I am filing this complaint to report on how I was being made a victim of deception of both AMEX ( the card issuer ), and XXXX XXXX the merchant ) in this fraudulent transaction made by an unknown thief. 

It must be noted that right from the very beginning, that is on XX/XX/2020 I already alerted AMEX about what happened. In fact, the AMEX representative told me that he already deactivated the card on the same day. I just wonder why the charges made by XXXX still pushed through. AMEX kept on insisting that they can not dispute charges already made in the card. And I have been asking them why they still allowed to charge my card which is supposed to be deactivated on the same day? Now, I feel AMEX should be responsible on the refund. Otherwise, the fraudulent schemes of people like the scammers, the merchants, and the card issuer will continue to victimize clueless individuals in the marketplace.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 


XXXX XXXX XXXX XXXX XXXX XXXX. States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX  : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX A Creditor May not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
Product: Debt collection

Hello, I was unaware of this debt and did not have the opportunity to dispute. Please provide Assignment of debt, validation of debt, and method of verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I validated the security breach had affected me at the suggested link provided by Equifax ( https : //www.equifaxsecurity2017.com/potential-impact/ ). When attempting to get a resolution, I was forwarded to sign up with a pad security service ( free for one year ) with the caveat of forfeiting my rights in a class action lawsuit against them. In summary, Equifax did the following : 1. mishandled secure information with an insecure API that allowed data to be returned to attackers in plain text. 

2. Did not disclose the breach this for over a month while executives sold stock, instead of immediately notifying affected individuals. 

3. Are attempting to prey on victims of this attack further through a carefully worded arbitration agreement that waives litigation rights.
Product: Checking or savings account

My Robinhood account has been restricted since XX/XX/year> without a valid explanation. I have called multiple times, and each day, the app displays a banner stating that I will receive an answer by a specific date ( e.g., XX/XX/XXXX ). However, when that date arrives, it keeps getting pushed back to the next day without resolution. 

I have provided all requested documents, including my ID, checking account statements, and live video selfie. Despite this, Robinhood representatives can not give me a clear answer regarding why my account is restricted or when it will be resolved.

This ongoing delay is preventing me from accessing my funds and investments. I am seeking immediate resolution and regulatory intervention to ensure that Robinhood provides a transparent and timely response.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX-XXXX XXXX SS # XXXX-XXXX-XXXX Re : Chase account XXXXxxxx XXXX  To Whom It May Concern : I continue to dispute the validity of this account I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? Thank you Sincerely,
Product: Debt collection

PLEASE BLOCKED AND REMOVED I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.
Product: Debt collection

They keep calling and telling me that I had a credit card that I never had. I told them this, and that I do not have any such credit card on my credit history.
Product: Prepaid card

To Whom it May Concern : On or around XXXX XXXX, 2016, I contacted Rushcard Prepaid Debit Card Services to report my prepaid debit card lost ( in addition to losing my Rushcard Prepaid Card, I lost my photo id which I told the police officer about ). On or around XXXX XXXX, 2016, I submitted a dispute in writing to Rushcard Prepaid Debit Card Services for XXXX unauthorized charges including one for {$480.00} at the XXXX XXXX. On or around XXXX XXXX, 2016 Rushcard Prepaid Debit Card Services granted me a credit for XXXX out of the XXXX unauthorized charges. But on or around, XXXX XXXX, 2016, Rushcard Prepaid Debit Card Services denied my claim for the last and final ( XXXX ) disputed unauthorized transaction of {$480.00} at the XXXX XXXX, stating that no Error occurred which is inaccurate as I did not authorize that charge.i would like Rushcard Prepaid Debit Card Services to refund me {$480.00} immediately before I file an arbitration complaint against them pursuant to the cardholder agreement. My name is XXXX XXXX and I can be reached at XXXX. I look forward to Rushcard 's kind and prompt phone call. 

XXXX XXXX