23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is so annoying & frustrating. Ive sent Equifax multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Equifax 's responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2021 Balance : {$1200.00}. Please delete the fraudulent accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 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 or other personal consumer reports

I was notified by XXXX Id theft service that a collection debt was filed By IC Systems in XXXX of XXXX. I received the notice mid XXXX - I called XXXX and they called XXXX and found the charges were for cell phones purchased in Maine in XXXX. 
XXXX called XXXX and their re [ presentative gave us the information they had from XXXX. 
I immediately put a security freeze on my accounts. 
Due to my wife having XXXX the first part of XXXX I was unable to get a police report done until XX/XX/XXXX. The case number is XXXX. 
I also saw on the XXXX site that my email had been hacked in XXXX. 
I have never been in main and the police report has the numbers and names of the people who now have the report numbers in the collection report.
Product: Vehicle loan or lease

Since the started of the loan I have wire transfer the money to bethpage and I have my banks confirmation. I did receive any email or text msgs from the bank reporting an issue. Now, when I re1uested a pay off they say my car was to repossession and I did know that until now
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Social security : XXXX D.o.b XX/XX/XXXX Address : XXXX XXXX XXXX XXXX A XXXX XXXX NY XXXX This document is for fraudulent accounts opened in my name, the account Im Disputing is XXXX XXXX OPENED XX/XX/XXXX with a balance of XXXX, Using my personal information without my authorization or permission. I am a victim of identity theft and did not open these mentioned accounts. I am a victim of the XXXX   data breach. State issued ID have been compromised and my social security has also been obtained. My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. I am not responsible for any of these charges or accounts.
Product: Credit card or prepaid card

I purchased a laptop from XXXX resell ( XXXX order number XXXX ) on XXXX XXXX. They sold me a laptop that was still attached to a company. Once i received the laptop i could not tell that the computer was attached to a company. So months later down the laptop locked on because the company that it was attached to locked the computer and locked me out from using the computer i purchased. I contacted global resell and spoke with XXXX. XXXX spoke with his supervisors and the said that i would be able to return laptop for a refund. I returned the laptop and XXXX stated that the refund was initiated the refund. I never received the refund. So i contacted the XXXX and he started to give me the run around about how they couldn't refund me. So i contacted chase bank where i used to purchased the laptop. I have made XXXX disputes and still don't have money. So at this point i'm out of XXXX because i returned the Laptop and never received my refund. I really need help trying to get the figured out because right now i'm at a lost and no one is trying to help me right a wrong that had nothing to do on my behalf. Money been pretty much stolen from me.
Product: Money transfer, virtual currency, or money service

On  XXXX   XXXX ,   XXXX   I attempted to make an   XXXX   purchase of {$870.00 } using PayPal. Predictably, I went through an endless nonsensical series of " plea se verify your account '' loops - to no avail. I was never allowed to pay for my auction.     Please understand this clearly : PAYPAL IS THE ONLY WAY TO PAY FOR AN   XXXX   AUCTION. That is unfair and should be illegal. I CAN NOT wait  48 hours until PayPal  decides to unfreeze my account before paying for an auction item.     After contacting workers in  XXXX  who had no clue how to clear the error, I was told that they were only allowed to ask security questions once per day, and " to their best guess '' I 'd need to " just wait until your account unlocks again. '' That is 100 % unfair and illegal.     I do NOT want to read yet another form letter about the " velocity '' of m y PayPal account and how they 're trying to eliminate fraud. I have been a PayPal  customer for over 10 years, and am furious and insulted to be treated as such.
Product: Credit reporting or other personal consumer reports

I'm DISPUTING inaccurate personal information found on my credit report. The following information is NOT ME and I have NO RELATIONSHIP to it. Please remove the following information from my credit report 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
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage was transferred from XXXX to JPMorganChase beginning XX/XX/2015. When I went to pay Chase, I did not have an account number. I contacted phone number given and was told to pay to XXXX as transfer was n't set up yet. I paid XX/XX/XXXX payment to XXXX. I received account number and paid XX/XX/XXXX payment to Chase. Chase returned payment. I called and automated message said my first payment was due XX/XX/XXXX. By not accepting my payment Chase has increased my interest. I was concerned that no payment XX/XX/XXXX would effect my credit so I checked my credit report and learned that I was shown as owing mortgage amount to both XXXX and Chase -- doubling my debt. Details for XXXX did not include my XX/XX/XXXX payment.
Product: Debt collection

XXXX  crammed charges on my billing account by adding premium text messaging charges. There is a lawsuit with the  XXXX   XXXX   XXXX  against  XXXX  and other carriers for adding unauthorized charges. I did not pay my bill and  XXXX  reported my account to  Diversified Consultants Inc  for {$740.00} on  XXXX   XXXX    XXXX  . I have tried to dispute this account but they do not wo n't to remove the account nor fix the billing issue.
Product: Debt collection

I am unsure of the timing, the creditor never reached out in any instance, if I paid it was because I was notified by XXXX XXXX. I moved several time in the last few years, so if I didn't receive it, could have been that reason. I found out recently through mortgage inquires on owing several of these, I asked them to take out of collection and delete
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a copy of my credit report on XX/XX/XXXX from transunion. I have seen 2 inquiries on my account from XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, Mo XXXX, XXXX ) requested on XX/XX/XXXX and from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, XXXX requested on XX/XX/XXXX I did requested nothing from both of them, also i didnt give my premisson to someone else, to use my information or to try to do something else under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am listed as a potential victim as a result of the recent data breach from Equifax. https : //www.equifaxsecurity2017.comXXXX They mishandled my information and put me at risk, and I had never gave them the authorization to have my information. They retained my sensitive financial information without my explicit approval and should n't have been trusted with it. 
They also did not notify me of my compromised data in an appropriate amount of time.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, COINBASE, took {$25000.00} out of my bank account leaving me with no access to the trade. The account has always been BLOCKED or restricted.

I contacted them countless of times, but there is no answer.
Product: Money transfer, virtual currency, or money service

On XX/XX/20 paypal placed two of my payments from a vendor that's paid me hundreds of time on paypal into a hold. when i contacted customer service on XX/XX/20, i was told there was no security hold and they would be released. when i went in on XX/XX/20, i found they were not released and contacted customer service. ive received so many different versions from these csr 's working at home. no one can give a straight answer and they just have no clue what they are doing. i can't get a manager on the phone or anyone to release these funds. they sent me instructions to send to the client that did not work and then when i asked for another route, we started back at the beginning with a csr that's unfamiliar with the situation. their own security system shows no reason for these to be held but it's like their managers are remote so aren't working currently. seems like they are holding the funds just to collect extra interest. very shady.
Product: Credit card or prepaid card

Barclay has been allowing unauthorized charges to my credit card. 

In XXXX, my credit card expired. I called them to cancel the card, they refused and instead downgraded the card to one without an annual expense. 

In XXXX, a company had charged the card that had expired in XXXX, despite not being authorized to do so. When I called to dispute why Barclay 's authorized a charge to a card that expired in XXXX, they said that they do not care about if a card is expired and will continue to charge that and other cards associated with the account, even if the merchant does not have any active or correct information. Barclay 's will simply search for any other account in that individual 's name and attach a charge to that. 

Barclay 's has blamed me, because I did business with that vendor once over 2 years ago and that I should have anticipated that they may charge me again in the future whether it was authorized or not.
Product: Credit reporting or other personal consumer reports

PLEASE DELETE AND UPDATE THOSE FOLLOWING ACCOUNTS I FILE FTC REGARDING THIS ACCOUTS BECAUSE IT IS FRAUD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$4100.00}
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " High yield Interest '' savings account. Capital One Misrepresented the XXXX account as having one of the nation 's highest interest rates yet failed to notify accountholders about the superior rates offered by the XXXX performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial protection Act and the truth in savings act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Checking or savings account

I requested to close this account in XX/XX/2020, l was told by the PNC rep that the account was closed successfully. On XXXX XXXX a XXXX transfer of {$1300.00} was sent to this account in error and instead of returning the payment PNC kept the money stating that they reopened the account because credits that were given in XX/XX/2020 were now reversed in XX/XX/2020 putting the closed account in a negative balance. I was never notified that this account was reopened. They also took my husband unemployment payment in the amount of {$960.00}. PNC told me that the account is still negative {$1200.00} as of XXXX XXXX and is refusing to close the account or deactivate the XXXX feature. The reversed credit stem from a refund for a XXXX XXXX  that was cancelled due to Covid-19 and PNC states that they gave me duplicate credits which I never received.
Product: Mortgage

I am struggling to pay my mortgage due to a decrease in income and a divorce which has increased my expenses and support requirements. The situation became unmanageable for me in late  XXXX . On  XXXX   XXXX ,   XXXX   I submitted a loan modification request package to  XXXX ,  XXXX   (   Atlantic Bay Mortgage ) by mail. I was supposed to receive word in 30 days on the matter. I waited u ntil  XXXX   XXXX ,   XXXX   to call them and was told I had n't supplied all the requested documentation and then was sent a back dated letter concerning that. I sent requested documentation in numerous times by fax or mail and was told things were missing that I had sent. I about gave up on the process after I received a notice once again on  XXXX / XXXX / XXXX  that the package contained expired information. They seem to be trying to prevent my application from being considered by having a 30 day window in which I receive notice to supply further information and when sent, they then say other documentation has expired. To prevent that, I submi tted via US Mail  with signature confirmation a complete new package with all current documentation requests on  XXXX   XXXX ,  XXXX . The package including the application  was 44 pa ges. I called on  XXXX   XXXX ,  XXXX  to inquire about the matter and was told they had received documentation, but it was expired even though it is the latest available such as bank statements. The agent hung up on me when I insisted all documentation requested including the current bank statements was in that package. I believe  XXXX -Atlantic Bay is deliberately mishandling my paperwork to prevent processing the home loan modification. I had a friend who experienced a similar scenario with their lender.
Product: Credit reporting or other personal consumer reports

To Whom it may Concern, This is this complaint is submitted Under OHIO LAWU.C.C1319.12Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is voidable. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. Here are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Account # XXXX I have disputed this account with Jefferson Capital Systems, on XX/XX/2024 ; XX/XX/2024 ; XX/XX/2024 numerous times, without any explanation or reason why this debt remains on my credit report. In attempt to settle this account on the companys website, it indicates that the account is now being serviced by another lender XXXX XXXX. Please assist with having this company remove this account from my credit reports, with XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern Thank you for hearing my compliant for this is my second attempt to resolve this matter with Experian... .I am a XXXX XXXX that lives on a fix income and for some reason this company has reported a account that i had never opened...... I have all satisfactory accounts on my credit reports...... I feel that i am being taken advantage of and also being discriminated as a XXXX XXXXXXXX XXXX  ... .My next action will be take civil action for this can be very expensive for me but atleast i will have fair treatment ... ..Please help me because the other credit agency have resolve this matter in a timely matter...
Product: Payday loan, title loan, or personal loan

Avant is intentionally, and maliciously refusing to provide me an online accurate ten day payoff on XX/XX/23. Instead, they informed me I need to schedule a payment. Plus, they intend to mail the payoff, advising me it can take up to fourteen days to receive to payoff letter. Clearly, this company is disingenuous, because I applied on line. Now, they are manipulating the payoff amount. Initially, they say, We are an online company! Now, they can ONLY mail the accurate ten day payoff. Needless to say, their unscrupulous payoff practices allows them to outright lie/STEAL, about the accuracy of the ten day payoff. For example, the ratchet promise to mail the payoff off is useless, by the time I receive it its outdated, more shenanigans.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX : # XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.