23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Service trial started on or about XX/XX/XXXX. I called XXXX and cancelled all services on or about XX/XX/XXXX and sent back internet tower and simm cards on XX/XX/XXXX with their return label from XXXX. THEY SENT XXXX return labels??? XXXX XXXX said everything was fine and there would be no charges. THIS WAS MY CALL TO CANCEL ALL SERVICES. 
The XXXX agent XXXX to cancel the services. I called a total of XXXX  times trying to cancel and they did not cancel the service until XX/XX/XXXX. All equipment was sent back XX/XX/XXXX using their return label and was delivered XX/XX/XXXX to XXXX see tracking record attached. They XXXX, then admitted their error ( recorded call ) but said they could do nothing about it. I have many calls into XXXX  recorded with them admitting the wrong done by them. 
XXXX falsely advertised all of their services for my AREA. They were and are a sub rate service for this area. 
XXXX XXXXXXXX did NOT do their job as they were required and falsely advertised their services. 
I was forced to pay a bill that they failed to cancel when I told them to. XXXX then sent a bill in for collection that had already been paid. 
XXXX  has XXXX my credit ( credit rating over XXXX for XXXX XXXX ) and I do not believe this should go unnoticed. I never became a customer of XXXX, and never will. 
I write this now this way, because XXXX could not get things straight. They were confused, and did not have correct information each time I called in. I have a complete LACK OF TRUST for XXXX.
Product: Credit reporting or other personal consumer reports

NOTICE AND DEMAND FOR UNAUTHORIZED INQUIRY ON XXXX SETTLEMENT OF CONSUMER REPORT To : Whom It May Concern This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. 

Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transterred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on these without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( " FCRA '' ) codified at 15 U.S.C 1681b ( a ) XXXX ( f ) ( i ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not initiated any transaction with. 
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 I do not have an `XXXX account '' as defined under 15 U.S.C. 1693 ( XXXX ) for review or collection. 

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 
Pursuant to 15 U.S.C. 1681n ( a ), " Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under XXXX XXXX, imprisoned for not more than 2 years, or both. '' By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA XXXX ( a ) ( XXXX ) ( B ) [ 15 U.S.C. 1681n ]. 

Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within XXXX ( XXXX ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 

Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Best regards
Product: Credit reporting or other personal consumer reports

THE BUREAUS INC XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Re : Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX Alleged Amount Owed : {$1600.00} To Whom It May Concern : I am writing regarding the above-referenced account that you claim I owe. I dispute this debt in its entirety and request validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g.

Additionally, in accordance with 15 USC 1692c ( c ), I am formally requesting that you cease all communication with me except for the purposes explicitly permitted by the statute. As you are aware, 15 USC 1692c ( c ) states that after receiving written notification from a consumer to cease further communication, a debt collector may only contact the consumer : 1. To advise that collection efforts are being terminated ; 2. To notify the consumer that the debt collector may invoke specified remedies which are ordinarily invoked by such debt collector ; or 3. To notify the consumer that the debt collector intends to invoke a specified remedy.

Furthermore, I am requesting complete verification of this debt including : 1. Proof that you are licensed to collect debts in my state 2. Proof of your ownership of this debt and right to collect 3. Complete account and transaction history showing how the amount was calculated 4. The original signed agreement between myself and the original creditor 5. Documentation showing the chain of ownership if this debt has been sold 6. Verification that this debt is within the statute of limitations for collection in my state Until you provide this information, I request that you : Mark this debt as disputed with all credit reporting agencies Refrain from reporting this debt to any credit reporting agencies Cease all collection activities as mandated by the FDCPA If you can not provide complete verification as requested, I demand that you : 1. Remove all references to this debt from my credit reports 2. Cease all collection attempts permanently 3. Provide written confirmation that this matter has been closed I am aware of my rights under the FDCPA and will not hesitate to file a complaint with the Consumer Financial Protection Bureau and your state licensing board if you fail to comply with this request. 
This letter is not an acknowledgment that I owe this debt and does not restart the statute of limitations. 
I expect your response within 30 days as required by law. 
Sincerely, XXXX XXXX
Product: Credit card

Barclaycard posted my payment to the wrong credit card XX/XX/2016. Subsequently, I have logged over XXXX phone calls totaling more than 29 hours to resolved this issue. Unfortunately, they posted the credit card payment to a business account. The credit card side and the business side are distinct entities who can not communicate to resolve the problem created by posting the payment to the wrong account. Barclaycard has reposted the payment to the wrong account several times subsequent to the initial mistake while charging me interest and penalties indicating that I had not pay the amount. I have been told my manager after manager that the problem was solved. Today I have spent more than one hour again because Barclaycard is attempting to recollect {$1000.00} that was previously paid. Today I was told by the manager that Barclaycard " did not have the time and resources to review all three affected credit card accounts nor the hours of phone calls logged. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I voluntarily surrendered my vehicle to XXXX XXXX in XX/XX/2023 and after the vehicle was sold, I had a remaining balance of {$22000.00}. On XX/XX/2023, XXXX XXXX accepted a settlement offer of {$10000.00} to be paid by XX/XX/2023. I paid the {$10000.00} on XX/XX/2023 and disputed the account twice with XXXX, XXXX & Equifax to update the account status, balance & comments and both times, it came back that XXXX has verified that I still owe a balance as of XX/XX/2023 and will not update that the account has been paid with a XXXX balance. It is now XX/XX/2023. I have contacted XXXX three times as I have not received a letter to state that the account has been settled and I have a XXXX balance. Each time I contact XXXX to request this, they inform me that it will take 48 - 72 hours to receive this via email and weeks have gone by and I still have not received anything from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I should n't have to pay for a freeze. This is ridiculous esp. after the XXXX  breach. I just want to protect myself, not make the credit bureaus lots of extra money for XXXX up.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I disputed an account via notarized Affidavit stating the multiple inaccuracies. The account was not FCRA COMPLIANT nor in compliance with the METRO 2 guidelines. I pointed out the incorrect and untrue reporting with no rebuttal beyond the 30 days allotted. No rebuttal to an affidavit stands as true in the eyes of the law. Ive notice this account fluctuates in dates which manipulates the statute of limitations also. I feel I am a victim of identity theft and I request a block of this account. According to federal law I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted according to federal law 1681 c-2. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me revenant to the request to block the identified transactions. The identified transactions are not info related to any transactions by me as the consumer.

You are required to do what I am asking and block these transactions from being reported to my consumer report and file within 4 days from the date of the receipt of this notice. I look forward to your response.

6802 gramm-leach Bliley act grants me the right to privacy and confidentiality.

I Never opted in and gave permission to use my private information and The four identifiers that are required to block the following information is included. 

Please remove/delete/block the following accounts ; XXXX
Product: Checking or savings account

I moved from XXXX to XXXX, and in doing so would no longer be using PNC bank. There is no physical location in XXXX and it would be inconvenient to use. I had to keep the account open after my move to get the final direct deposits from my employer in XXXX. Upon knowing I would have no more money moving into the account, I emptied the account to {$0.00}. 

I then received a letter in the mail dated XX/XX/19 stating that my account was overdrawn. In looking at my account, it was overdrawn because PNC charged a monthly fee of {$15.00}. I had never had a monthly fee hit my account during the 5 years of using PNC. I called PNC on XX/XX/19 to close my account and was told that I could not close the account until it was brought to current status by making a deposit. I was literally in shock to find that the bank would charge me for having an account with nothing in it. While the customer service representative I spoke with on the phone was very nice, I was informed that to speak with a supervisor about this I would need to escalate my complaint and they would call me back in 24-48 hours. This was completely unacceptable as I was trying to fix this situation and was only told it would be dragged out. 

I understand being held accountable for overdrawing my account, however I did not overdraw my account. In an attempt to close the account, I was told this charge was valid and could not. I don't feel this is how banks should operate and want my account closed, as I will NEVER use PNC again. The policy that they have in place regarding this predatory and harmful to the consumer.
Product: Mortgage

XXXX   DI TECH Financial LLC   XXXX .  XXXX   XXXX   XXXX   XXXX  SD, XXXX  Contacted them o n 3  different occasions and offered to provide them with any documentation needed to get this off of my credit. This account does not belong to me.
Product: Credit reporting or other personal consumer reports

Someone applied for an XXXX XXXX they had to go through JPMorgan Chase Bank. I don't recognize the regular hard inquiry. It's not mine 's I don't apply for credit online. This situation gave me heartaches and it put stressed on me moving forward. Please have the bank & XXXX to remove and fix my online account for XXXX. It's broke. The system is broke on my end. I can't view or unfreeze my credit report through XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to submit a formal complaint regarding inaccurate information on my credit report, which I initially contacted TransUnion about on XX/XX/XXXX. To date, I have not received any response from TransUnion regarding the dispute. I am providing the details of the inaccurate information and the necessary corrections below : The following account was never late : Creditor : XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$7000.00} Please correct/update this inaccurate information on my credit report. 

The following account was never late : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$89000.00} Please correct/update this inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XX/XX/year> - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXXXXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXXXXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXXXXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXXXXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXXXXXX XXXX The following inquiry was not authorized and should not be reporting.
Product: Credit reporting or other personal consumer reports

Asking to delete all accounts inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts listed below 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 Accounts in violation of my rights are listed as follows : XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXXXXXX XXXX  Acct # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX Credit Card Acct XXXX XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXXXXXX XXXX Acct # XXXX, XXXX XXXX XXXXXXXX XXXX Acct # XXXX, XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXXXXXX XXXX Acct # XXXX, XXXX XXXX XXXXXXXXXXXX XXXXl Acct # XXXX, XXXX XXXX XXXX  Acct # XXXX, XXXX XXXXXXXX XXXXl Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX  Acct # XXXX, XXXX XXXXXXXX XXXX Acct # XXXX, XXXX XXXX XXXXl Acct # XXXX, XXXX XXXX XXXX Credit Card Acct # XXXX, XXXX XXXX XXXXXXXXXXXX XXXX Acct # XXXX, XXXX XXXX XXXXXXXX XXXX Acct # XXXX, XXXX XXXX XXXX Date : XX/XX/XXXX, XXXX XXXXXXXX XXXX Acct # XXXX, XXXX  XXXX Credit Card Acct # XXXX, XXXX XXXX Credit Card Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX Date : XXXX XXXX, XXXX, XXXX FCU Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX, XXXX XXXX XXXX Date : XX/XX/XXXX, XXXX account Acct # XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct XXXX XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Educational Acct XXXX XXXX, XXXX Educational Acct # XXXX, XXXX Educational Acct # XXXX, XXXX Educational Acct # XXXX, XXXX Educational Acct # XXXX, XXXX Educational Acct # XXXX, XXXX Educational Acct # XXXX, XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX, XXXX Educational Acct # XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX, XXXXXXXX XXXX XXXX, Date : XX/XX/XXXX, XXXX  Date : XX/XX/XXXX XXXX
Product: Credit card or prepaid card

This XXXX XXXX XXXX XXXX XXXX ) XXXX card financial institution was changed from XXXX to Comenity Bank in XX/XX/XXXX. ( As background ) on XX/XX/XXXX, payment of {$230.00} was sent via XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Tx XXXX. The payment was credited to my XXXX account and debited from my XXXX checking account. On XX/XX/XXXX, payment of {$2600.00} was sent via the same bill payer service to the same payee at the same address. The status of that payment currently is Delivered in my bill payer account. The payment was due on XXXX XXXX XXXX Per the bill payer the payment should have been received no later than XXXX  To date my account has not been credited. I have been informed that late penalties have been assessed and a status of overdue has been assigned to my account. 
In addition, I have called Comenity Bank Customer Service multiple times in attempts to obtain access to their website. Ive spoken with five representatives and still havent been able to access the website. 
Ive written a letter disputing the overdue status and late fees. Ive notified XXXX XXXX XXXX and XXXX. 

Ive been told by XXXX that many people have contacted them with the same complaints.
Product: Debt collection

I have talked to global lending services, many times, I have a loan through, them for XXXX, I paid them 500 last month, and told them I will make another payment XX/XX/XXXX then finish the balance XX/XX/XXXX. 

Since then they have called friends and family members that I have told them not to, I have NEVER given them any family info. And today they created a Facebook account and send my mother information. This must stop! My number not address has changed since the loan. 

And I want representation something must be done. 

XXXX please tell me what I can do and what are my rights
Product: Credit reporting or other personal consumer reports

XXXX federal student loan was sold to department of education XXXX but it still showing as a XXXX loan instead of Department of education XXXX XXXX
Product: Debt collection

I just received a notification alert via XXXX that a medical bill is in Collection status, and I now have a derogatory mark on my credit report. I have not received any type of invoice or email concerning the bill, as I believe I paid all medical bills in full. 


Amount : {$120.00} Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX : XXXX XXXX
Product: Debt collection

Continual Calls from XXXX customer service/Debt collection XXXX XXXX and XXXX XXXX. When told to stop the calls and contact via mail only, they place on hold or say they ca n't hear you. then disconnect and repeat.
Product: Credit reporting or other personal consumer reports

Several Credit card accounts was opened up using my name and credit information without my knowledge, as well as two loan accounts. Every credit card opened in question is fraudulent and was not opened up by me personally. I reported this issue to my local police department and filed a report which I sent to XXXX, Transunion, and XXXX. To date nothing at all has been done to correct and remove these fraudulently opened accounts to restore my good credit status.
Product: Debt collection

About a year ago I had received a phone call from a company called FMR ( Forward Movement Recovery ) saying that I owed on a payday loan. When they had first contacted me they had said that they needed to know my location and whereabouts. When I contacted them they had said there had been a claim filed against me. I asked who was this so called payday loan company and their response was oh probably like a XXXX XXXX XXXX. I had panicked and started to pay them so I would get sued. I ran my credit report to see what things I had in collections and when it came back I had nothing that was in collections from a payday loan company. I called my bank and had them cease any future transactions that were scheduled to run from FMR. Since that point on, I had not heard anything from FMR. Fast forward now to XX/XX/2018 and they are calling my phone again saying I owe them for a payday loan. I ran my credit report again and dont have anything in collections for a payday loan. This needs to stop ASAP before I file a lawsuit for harassment and extortion and I will take it to my state attorney general and the FBI.
Product: Debt collection

I received notification of a SSN trace and a subsequent email from a XXXX XXXX from XXXX/LVNV Funding LLC regarding an alleged debt that is past the statute of limitations. Filing this complaint in addition to my emailed CEASE AND DESIST to stop all communication and collection efforts. Furthermore XXXXLVNV Funding LLC by law can not file suit against me or report this alleged debt to credit reporting agencies. I am extremely sensitive regarding my credit rating. Any additional collection activity or reporting of this outside of statue of limitations alleged debt will result in litigation to include damages as per my right under the FDCPA.
Product: Debt collection

today my bank account was garnished for entire amount in my account, it was XXXX, I called the debt collecting agency that took my money and was told I would not be able to talk with the person that was handling my case, that they would be gone until XXXX/XXXX/16. Then I was told that nothing could be done for me and that I should wait and call back on Friday. I do not believe this to be accurate but feel that calling them will get me no help. My hands are now tied and I have NO money or resources and I am a single mother of a XXXX year old and do not even have money to get her food or pay my rent ( which will cause eviction actions ).
Product: Credit reporting, credit repair services, or other personal consumer reports

No attempt was made to verify the collections disputed. 
I do not recall seeing the original dispute or anything from the company that they claim contacted me. 
There was nothing done to confirm the debt which I do not owe. 
It is a medical debt that was sent to a charity organization at the hospital and paid by them. 
XXXX XXXX is lying when they say they tried to check it out, they made no attempt to remedy the issue and just stamped it as good and put it on my report. 

This is not a legal debt., The original creditor was the hospital that I was admitted to. It went ot a collections agency that did NOTHING to confirm the debt.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$4200.00} XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00}