23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Ceo of XXXX XXXX XXXX XXXX XXXX. You must prove you have a contract with me as trustee or collections, and any other transaction, which you ca n't. .XXXX. XXXX i have no account at your bank, and all other is private. XXXX is trying to steal through fraud deception of money I do n't owe them, and can not prove they lent me money, and statue of limitations to collect after bankruptcy XXXX, illegally along with two trustees acting in XXXX with armed forces police, sherrif, military mercenary or otherwise it a threat Commercially illegal instruments, that they have no rightful claim on or they would have done so. XXXX needs to prove who the Attorney is and XXXX XXXX, and Quality Loan Service and XXXX XXXX XXXX that did not even loan money but used my credit to go to the Fed window and use funds and lend back out with XXXX 9.99 % interest to 14 %. XXXX XXXX XXXX has not been in business since XXXX and I have no contract then with two signatures one with them and me on any paperwork nor their parent company XXXX XXXX. You all have arrest warrants issued and a defaulted bill. Principle to agent, agent to principle. Show your face who you are and XXXX XXXX and others such as XXXX XXXX has a defaulted bill in force. XXXX XXXX will be coming out for your XXXX. someone has forged my good name to the 1-4 rider documents and is a crime per California code 115 a. and no trespass as well. You are now Liable once again. You better have a chain of title if anyone steps foot on my land and you cant foreclose since my property has more than one address and service only one as well. hint you charters are being reviewed now. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my consumer report and notice my name misspelled, I requested with Experian by via mail to change my name as shown on my state ID. Experian continues to report my name misspelled. my father 's name is a XXXX XXXX  and I'm the XXXX, our information get mix and I'm allegedly held accountable for his personal actions. In the request letter I highlight all misspelled names to easily identify the errors.
Product: Consumer Loan

In XX/XX/XXXX, I applied and was approved for a car loan, during the 10 year period of the loan, payments were made and subsequently, the loan was satisfied. After recently reviewing my credit report, I noticed several inaccuracies. In particular, there are XXXX entries I noticed as inaccurate. On XX/XX/XXXX, Santander indicated I was 90 days late, which is inaccurate. 2 ) On XX/XX/XXXX, Santander indicated I was 60 days late, which is inaccurate. 3 ) The report indicates the terms were {$140.00} for 72 months, which is incorrect. Finally, I have no confidence in Santander 's administrative accuracies and their failure has fueled the negative entries on my credit report. These inaccuracies are reducing my chance for homeownership. Attached are XXXX documents recently received from Santander, in which, they clearly admit there are administrative and record keeping issues that was uncovered during an audit. " during a recent audit, we determined your account is due a refund ... '' This admittance has caused me to lose total confidence in Santanders record keeping. As a result, I believe there is more incorrect information reported that is negatively listed on my report and the possible reason for future credit denials.
Product: Credit reporting or other personal consumer reports

RECENTLY I LOOKED AT A COPY OF MY CREDIT REPORT AND NOTICED SAVERAL INACCUSCIES ON MY ACCOUNT. THIS ACCOUNT IS HURTING MY ABILITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESE ITEMS FOR ME TO ENSURE ACCURACY. 
HERE IS THE ITEM I AM ASKING YOU TO VERIFY AS ACCURATE. 

NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have never open credit with this company that put me on collection. There in Texas and I only owned a home in XXXX. I have never been in Texas all my life in XXXX 
Company - credit system intl # XXXX Account # starts with XXXX I only have this. 

Date - collection date XX/XX/year> in the amount {$320.00} I spoke to this company several times and told them that I dont owed this. They called me several times and they said they will review. But suddenly I am in collection. Dont know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I have false names on my credit report -XXXX  XXXX 2. I also have several false addresses on my credit report.

3. I have a total of 4 wrongful inquiries on my credit report. 
-XXXX  XXXX -Citibank Na I have filed a report for identity theft with the Federal Trade Commission XXXX
Product: Credit card

Take a look at the attached documents. I urge the bureau to begin investigating these accounts, as I am never late, yet they report me as late.
Product: Debt collection

I owed HUD XXXX XXXX XXXX ( XXXX ext. XXXX ) over {$2500.00} in debt. On XX/XX/2019, I settled with RA Rogers INC. ( XXXX ) and paid around {$2200.00} in total, in which HUD XXXX XXXX XXXX agreed to the settlement. According to RA Rogers, it would take around 30 business days from the date to be updated to the credit bureau and they would informed HUD XXXX that I'll paid the debt. As of XX/XX/2019, the account is shown still not paid off. I called XXXX several times, including today, XX/XX/2019, and they NEVER returned my phone call. In additional, according to XXXX XXXX   call center representative, they confirmed that RA Rogers INC have informed that I've paid my debt to them. Because of this, I've been denied of a couple of things that are crucial to me and my family.
Product: Debt collection

I took out a loan on XXXX XXXX the amount was {$400.00} I was able to make two payments the first payment was {$57.00} and the second payment was {$28.00} on Friday. On XX/XX/XXXX I reached out via the consumer finance protection bureau explaining my situation. I received a response from XXXX XXXX XXXX on XX/XX/XXXX telling me to take the time I need on my finances. And to reach out at my convienience. I got an email from the loan smith on XXXX XXXX telling me that my account is past due i sent an email to XXXX XXXX on XXXX XXXX. And I attached the email and I explained the situation stating that I did get my debit card but I had to cover other debts. And explained that I needed more time. I havent received a response and I even called and left a voicemail I did not receive a response. To this date I have not received a email or a call back. Today on XX/XX/XXXX I received an email from the loansmith saying to settle for 25 % and the email says to take action or else I will go into collections. I do not like being threatened and this company takes advantage and preys on the vulnerable. I am on a fixed income and I am barely making it.
Product: Debt collection

I received notification through credit monitoring that a debt collection from Jefferson Capital Systems was reported on XX/XX/XXXX in the amount of {$700.00}. It originated from XXXX. I called the company and learned it was from XXXX XXXX, had been turned over to debt collection in XXXX of XXXX, and was being pursued for collection with a letter having been issued in XX/XX/XXXX. They can not tell me what the debt is for aside from a phone number not used by any member of our household unless it was a hotspot number. I called XXXX XXXX on a local level. The manager could not, nor would assist. I called XXXX XXXX 's billing department. They could not, nor would assist, aside from providing me with this telephone number for resolution. I called Jefferson Capital Systems again. No assistance, but did file the account as disputed. I've also disputed with XXXX  and XXXX. 

I left XXXX XXXX due to billing issues that arose from their change in billing systems in XXXX. It was a widespread issue that affected many. One month your balance is {$0.00}, the next {$900.00} and overdue. I resolved the issue in store, went straight to XXXX with a {$0.00} balance from XXXX XXXX and terminated my services. The store manager was directly involved and knew I was terminating the account due to the lack of reliability and best business practices of the company. I've also reported to the XXXX. Note, the company 's score is 1.9 of 5 with hundreds of complaints registered. 

After six years of having no issues, no contact, and no supporting evidence of the debt owed, I believe this is just shy of criminal behavior. I would like this removed from my credit report immediately. Not listed as a charge off. Dismissed. Erased, Gone. 

The staff of both the collection agency and company are of no assistance and can provide no details. Again, the contract was terminated in XXXX after having been a customer since XXXX. I have maintained the same cell number throughout the years, and continue through today. 

Also, I will note that during Covid, I was being called and harassed by credit card collections for accounts not even in my name. They were calling me due to an old residence that my husband and his cousin had shared in the past. Because companies could not reach the cousin 's wife, they were calling myself and my son for information. I've never even met this woman. 

It makes this recent collection all the more suspicious and unnerving. Therefore, I've locked my credit in fear of fraudulent activity. This is impacting my ability to apply for a job. Quick resolution is of the essence.
Product: Checking or savings account

Between XX/XX/XXXX to XX/XX/XXXX TdBank North, in violation of my request to have Td cash advance taken off the account and alerts being put on, have ignored these requests resulting in excessive overdraft fees to the tune of a total of at leats 5 fees. The issue is not overspending, the issue is the manner in which they process deposits and debits. For instance on XX/XX/XXXX a deposit was made for {$1000.00} resulting in a positive balance but Td Bank north posted a fee after the fact because according to them the transaction occurred before the deposit. Records however, show otherwise. This bank is making hand over fist by setting up their customers for failure by imposing Td Cash Advance which results in a consumer being able to make purchases even if the money is not available to cover it. On or about XX/XX/XXXX i spoke with a representative about this product and instructed them to take it off. I also spoke with another representative shortly thereafter to discuss low balance alerts and instructed them to put it on which never happened. More recently i received notifications that the system was down and i could not log in because they were making software updates. While it is possible that the representative never properly handled the call back in XXXX it is also possible that the alerts were taken off with this software update. After realizing more recently that fees had again incurred due to transactions being paid, i contacted Td Bank to discuss a refund as i was not authorizing the use of this cash advance feature, explained my prior conversations with Td Bank but they were both unwilling to admit fault and are also unwilling to put back the 5 overdraft fees totalling {$170.00}. This is an excessive and unwarranted amount given the circumstances. On XX/XX/XXXX at around XXXX after speaking with a call center representative i asked for a supervisor who was shockingly rude : I made an attempt to reason with XXXX Call center supervisor in New Jersey and she was not only not helpful but made me feel like they were doing me a favor by allowing me to bank with them. When i asked XXXX for her employee id she would not give it to me so i asked for her name and she stated stated that her name is XXXX as in " the brady bunch '' which i interpreted as a racist remark -- it doesn't take much to read between the lines -- how many hispanics are on the brady bunch a 70s show -- this is not only offensive but completely irrelevant. Please contact this institution and obligate them to refund these fees. I greatly appreciate your assistance in this regard.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 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 card

Bank of America said they sent me a form to fill out, a XXXX form. I never received this. Well, I tried to log in to my account to see if I had a balance, and it was blocked, so they told me I had to fill out this form, giving me instructions to go to the IRS website. I did, I filled it out, and I faxed it to them. So then I called customer service, and they did reinstate the account. They said I had to do this because they could n't verify my SS number. Well, I see that they did a hard hit to my credit report!!! They never said they were doing that ... if I knew that I would not have gone through this!! It 's terrible! I want them to take that off of my credit report, as I have an inquiry from them when I originally opened this account!!!
Product: Debt collection

In XXXX of 2020, a merchant denied me of cancelling items that I told them I would no longer need. I used synchrony bank to make the purchase and complied with the companys policy to cancel items before XXXX  hours. I contacted the company via phone and told them I will no longer need the furniture and they attempted to push the items on me XXXX times. I refused the items and never received and they wrongfully reported to synchrony bank that I took the items. Ive contacted synchrony bank, and they want me to still pay the money.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Incorrect Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. After reviewing my report, I noticed the following entries contain errors : XXXX XXXX XXXX number XXXX Collections accounts I am disputing these items based on their inaccuracy, supported by recent developments and findings in legal cases against credit reporting agencies, including XXXX and XXXX. Recent Lawsuit Findings : In separate rulings, courts have determined that XXXX and XXXX failed to maintain reasonable procedures to ensure maximum accuracy of consumer credit information. These findings highlight systemic issues within the bureaus ' processes that may directly impact the accuracy of reports like mine. Consumer Reporting News : Reports have surfaced indicating that systemic flaws in the verification and dispute-handling processes of XXXX and XXXX have led to widespread errors. As a consumer, I expect these bureaus to uphold their obligation under the Fair Credit Reporting Act ( FCRA ) to report accurate information and conduct thorough investigations of disputes. Under the FCRA, I am requesting : Immediate investigation into the disputed items listed above. Removal or correction of the inaccurate information. An updated copy of my credit report reflecting these corrections. I have attached copies of supporting documentation to aid in your investigation, including : A copy of my credit report highlighting the disputed items. Documentation supporting my claim of inaccuracy. Please conduct a thorough investigation and provide me with a written response regarding the outcome within 30 days, as required by law. Thank you for your attention to this matter. I look forward to your prompt resolution of these inaccuracies. Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I want bank of america to release my earnings faster
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to report the inaccurate credit reporting by the XXXX credit reporting agencies Experian, XXXX, and XXXX. The account XXXX XXXX should be immediately deleted from my credit report due to incorrect information. How is each bureau reporting different balances and payment history when all data furnished should be the same? This doesn't make sense and it violates so many FCRA regulations. Also, XXXX has yet to send me any historical data about this account therefore it should not be reporting on my credit report. XXXX does not even report the original balance so there is no way for me to fact check this information. At this time, I am only asking for the deletion of the account. According to the law, I can take this to small claims court due to the many violations and inaccuracies. If so, I will be seeking compensation for {$1000.00} per violation. I am asking that the credit bureaus cease any stall letters that they are planning to send because I will move forward with legal action because this is causing me extreme distress. I do not think that an investigation was ever conducted and that is why the account is still reporting inaccurately. I am demanding for the deletion of this account immediately.
Product: Credit reporting or other personal consumer reports

ACCT # : XXXX SSN : XXXX XXXX : XXXX/XXXX/2994 ID : XXXX Address : XXXX XXXX XXXX XXXX, LA XXXX Dear XXXXXXXX XXXX, I recently received a debt collection notice from your office with an account number # XXXX. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I submitted a dispute with Transunion to remove XXXX XXXX  XXXX past due balance of XXXX Dispute number XXXX which is incorrect information but Transunion verified it as account with the results on XXXX. I have submitted another dispute today XXXX to take this off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspi-cious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX {$4000.00} XXXX {$11000.00}
Product: Credit card

XX/XX/2023 XXXX email notice from Chase bank that an application was being processed XXXX email from XXXX XXXX reporting that an attempt was made to check my credit ( which is frozen ) Called Chase Bank fraud reporting line at XXXX to get the report marked as fraud and closed. Asked for a copy of the report details and they said they can not provide that information without a copy of a Government Issued-ID, FTC complaint and law enforcement affidavit. 

I am now looking to report this crime and seek enforcement as this is likely a party attacking many US citizens and needs to be punished accordingly.
Product: Money transfer, virtual currency, or money service

I opened a consumer account with Gemini Trust Company , LLC using their XXXX  App on XX/XX/XXXX under my personal email account XXXX. My account was verified by them on the same day of XX/XX/XXXX. I made my first transaction to purchase the cryptocurrency XXXX on XX/XX/XXXX, in the amount of {$480.00} charged to my credit card. On XX/XX/XXXX I tried to access my account through the app and was prompted to verify my identification again. I have not had access to my account or my funds since XX/XX/XXXX. I resubmitted my California driver 's license as requested for review. I followed up with numerous emails to their customer support through their website ; https : XXXX as well as by email on XX/XX/XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX. I received an email reply on XX/XX/XXXX as follows : Hi there, Thanks for reaching out and apologies for the delay in response. 

The recent surge in interest in cryptocurrency has resulted in a backlog of support requests to our team. This has impacted our verification and support queries, which we are working diligently to resolve as quickly and effectively as possible. 

In an effort to help self service your inquiry, we have been actively updating our Help Center ( XXXX XXXX XXXX ) with answers to common questions about our platform and services. 

However, if your support case has not been resolved and you still require assistance, please follow up to this automated email by replying directly to this email and an expert will be back to you as soon as possible. 

Once again, thank you for your patience and understanding. 

XXXX and XXXX, XXXX XXXX was given a trouble ticket # XXXX. My ticket has still not been resolved and I do not have access to my funds as of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of the data breach and fraudulent activity has occurred using my personal information. In accordance with 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act, I request that all accounts and inquiries resulting from identity theft or fraudulent activity be blocked and deleted from my credit file. 
Specifically, I request that the reporting of fraudulent accounts be blocked and that all records related to the fraudulent accounts be permanently removed to ensure my credit file reflects accurate information. 
The following accounts have been identified as fraudulent and must be blocked and removed : XXXX. XXXX XXXX Account Number : XXXX High Balance : {$1100.00} Creditor Remarks : Account closed by XXXX XXXX XXXX. Collection Account Account Number : XXXX High Balance : {$1700.00} Original Creditor : XXXX XXXX  XXXX XXXX Remarks : Subject has not satisfied debt