23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/2021 received a phone call at XXXX EST. Persons identified as citi bank/best buy. I replied whats the call regarding? Persons replied citi bank/best buy. She asked to speak to the debtor. Again me asking what's the call regarding NEVER identifying myself she gave out sensitive information that only should have been given out if debtor gave out their name. I asked immediately to speak to a supervisor where nothing was resolved and they were going to look into the audio file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX keeps adding and subtracting balances from my accounts. This is adversely affecting my credit score. I am rebuilding my credit and applying for a home as well as a new car and their frequent inaccurate updates are detrimental to this process. For once, they did not have my correct contact information when my loans were restored from default. I respectively ask that the lates from XXXX and XXXX 2017 be  removed and set to current. As soon as I contacted XXXX my loans were put back into deferment. Also I want all loans older than 6 years off my credit report as that is the SOL for my state. I need this done as quickly as possible as XXXX is doing illegal collecting and reporting.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint and demand action against XXXX XXXX XXXX regarding fraudulent activity and inaccurate reporting that has severely impacted my financial reputation. 

My XXXX XXXX XXXX  was used without my permission, despite my belief that the card had a XXXX balance. I did not receive any statements from XXXX until I was notified by credit bureaus that XXXX had reported a late payment on my credit report. This unauthorized use of my card resulted in significant consequences : XXXX. XXXX opened a claim and refunded the fraudulent amount. However, they failed to refund the associated late fee, which was a direct result of the fraudulent activity. 

XXXX. Despite acknowledging the fraudulent nature of the transaction, XXXX has continued to report the account as late on my credit reports. This inaccurate reporting has led to a reduction in my credit limit with XXXX and the closure of more than XXXX XXXX  cards by other financial institutions, as well as reductions in credit limits across various accounts. 

These actions by XXXX have had a severe and unjustified impact on my financial standing and reputation.
Product: Vehicle loan or lease

In XXXX I purchased a XXXX  XXXX wave runner in which I received a loan on a 9 month no interest no pay loan. Loan of {$8600.00} to be paid back by XX/XX/XXXX. Loan was from GE Money Bank.

7 weeks ago I sold this wave runner to someone which neither of us saw the lien holder on title, so in Missouri the new owner cant get a new title until I get a lien release from this bank. GE money bank is now under control of Synchrony Bank. 

I immediately called Synchrony Bank to get lien release. Of course in older loan. But I faxed to them the statements I received at that time from GEMoney bank plus 2 canceled checks showing I paid this off in full on XX/XX/XXXX. Plus provided them copy of original title and my contract information including address, cell number and urgency in receiving this lien release. To date have heard nothing from Synchrony Bank. I tried calling the title release department at XXXX option 3. Have left at least 10 messages with absolutely no response from them. I pressed option 1 at same number which they provided me with a request ID # XXXX which they tell me still says processing. I get different answers from different people I talk to at this bank. I have been waiting long time and feel they are not doing anything about my issue. Since I provided them with all information they could possibly need plus the checks I paid this off with should be simple to do. I need help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a student loan on my Experian credit report from the XXXX XXXX XXXX XXXX According to the report the loan began XX/XX/XXXX and was for a term of 36months. Im not 100 % clear on what type of student loan it is.. I know there is one type that seemly never falls off your credit report, but regardless of which kind it is ... 

If the loan began on XX/XX/XXXX then 36 months later would be XX/XX/XXXX and then +180 days would be XX/XX/XXXX. 

According to my Experian credit report the date of first delinquency seems to be XX/XX/XXXX. I think the date of delinquency is wrong. 

Im not familiar like I said with the loan, but no payment has ever been made on it so it is very likely the date of delinquency is perhaps even earlier than XX/XX/XXXX. 

If this is one of the loans that does fall off I think that it should have already and if it isn't I don't believe the date of delinquency is accurate.
Product: Debt collection

Midland debt collectors filed a lawsuit against me without notifying me about it.
Product: Checking or savings account

Chase Bank decided to place my account on a " restricted status '' because " they no longer want to do business with me '' after a disagreement on XX/XX/2019. I had {$1600.00} in the account at the time. Chase Bank refused to pay and honor the checks and transfers I had authorized and debit them from the balance, instead returning all of my checks and transactions, even though there was more than sufficient funds in the account to cover these transactions that were completed before the bank decided to " restrict '' and " close '' my account. To refuse to pay items that were issued in good faith and with honor and integrity, when there is more than sufficient funds in the account to cover them, is nothing short of a XXXX move and if it isn't completely illegal for the bank to honor a check written in good faith with the available funds in the account to do so, it should be. 

It isn't legal for me to write a bad check. How is it legal for Chase Bank to refuse to pay a check that I wrote against the funds available in my account? About to be closed, or otherwise?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried repeatedly to dispute a bankruptcy listed on my account that is not accurate. I was involved in the Equifax breach yet they insist on maintaining inaccurate information on my consumer report regarding addresses, inquiries and public records. When I inquired regarding where they are getting this inaccurate information from, they REFUSE to provide the information so that I can go to the mysterious company reporting on me according to Equifax. This company has been the source of detrimental breaches, inaccurate information and ineffective credit monitoring. I have contacted the court listed for assistance and they continue to explain to me that the information is NOT coming from them. Equifax has also been involved in litigation regarding this very issue and yet the unlawful practices continue.
Product: Credit reporting or other personal consumer reports

Back on XX/XX/year> a complaint that I made against Self Lender Inc was closed with a very unsatisfactory response. The company stated they could not find any details regarding my account, however the account in question had been closed on my credit report. It was closed, however it is still reporting incorrect information resulting potentially negative XXXX XXXX and overall trustworthiness in creditors eyes. I repeatedly contacted this company regarding the fraud use and continued opening of my account and drafting of payments I never authorized, including opening a second account after request of closure. I requested all funds back, and compensation related to the specificity of the law, as well as removal of the account in full. The company response was to send me a check, that I was unable to cash, as the check turned out to be fraud. The check itself was also not comparable in funds to what is allowed by the law of up to {$XXXX} per fine, nor was it comparable to the hundreds of dollars that were taken from my account during that time without my consent, or the funds and energy spent trying to recover my identity due to neglect on the company behalf. I have tried over time to get this corrected including reaching out to my local XXXX team for assistance. I have filed the necessary police report regarding my identity theft, and this is the XXXX year in a row that I am having to complete this same process without any resolution. Please correct this.
Product: Debt collection

refrence XXXX i received a letter in the mail about a debt to respond by XX/XX/year>. I don't know what this is but this is not me. this not my debt and something needs to be done i would like to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX, XXXX # XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Hi, XXXX hard Inquiries showed up on my credit report so far from someone who has taken my social security number. XXXX was applied for capital One and another for XXXX. So far I only see them as a new inquiry but fear this person is doing more applications under my name to affect my credit. 

Attached are The XXXX hard Inquiries. I have been in touch with capital one so far and am attempting to contact XXXX to get this off my credit report. I had to put a freeze on my credit report to hopefully get them to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my tenth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion 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: Debt collection

2006 student loans that were paid off by sallie Mae, when they transferred to navient my account was obviously not properly updated in Sallie Mae records. I have paid my loans off and get calls daily, letters that they will garnish my checks. Took my refund from taxes That I have paid OFF previous to the transfer of navient My credit score is getting major impacted on these collections to XXXX. I KEEP DISPUTING THESE CLAIMS AND STILL ON MY TEPORT. I WANT THEM CLOSED AND OFF MY CREDIT REPORT. IT IS UNFAIR TO MAKE FALSE STATEMENTS WHEN THEY HAVE BEEN PAID OFF. THANK YOU
Product: Credit card or prepaid card

I used Discover card bought some items at XXXX, and I returned some on XX/XX/XXXX and they processed my refund to the discover card that I used to pay for it. The card number is XXXX. The Card was closed in XXXX without any reason by discover. On XX/XX/XXXX, Discover Company sent me the Check {$210.00}. I didnt see the check until XX/XX/XXXX. And I called discover Card company, they said theyll sent me a new check, but I didnt receive the check all the time. 
In XXXX I called discover company many times, also fax my information to them. they either said they can't find my account or they said they'll call me back, let me wait. But they didn't call me back nor issued me the new check.
Product: Credit reporting or other personal consumer reports

I have called and sent in writing to provide documentation verifying that I have an OPEN account with this company. They have yet to provided anything proving this. Per 15 USC 1681 Permissible purposes states this. I also opted out of the company reporting per 15 USC 6802-6805 and it is still on my report with Experian, nothing has been done. This is violating my consumer rights per The Privacy Act 1974. I want this inquiry deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

UPDATED Address : XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX, XXXX  XXXX ( since XXXX ) I am filing federal trade commission ( FTC ) disputes against credit bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX for purposely posting false and inaccurate no non-sense inadequate info onto my XXXX, XXXX and XXXX credit reports. 
XXXX credit bureaus staff are careless and lazy and is continuing to ruin my credit profile by constantly lying posting bad things on my credit reports to keep me from gaining any NEW Established credit with creditors and or renting an apartment lease after filing bankruptcy. I deserve a fresh start such as any other consumer. I HAVE HAD ENOUGH of the unfair credit bashing against me from all 3 National Credit Bureaus PLUS XXXX XXXX for no reason., All 3 credit bureaus are continuing to bash my reports with nothing but lies. 

Please NOTE : I only have one acct. open with XXXX XXXX ONLY! Its current and thus far... never late. 

XXXX... XXXX, please act and ENFORCE these 3 National CREDIT bureaus plus XXXX XXXX bureau to STOP placing lies on my credit reports ASAP! OMG, let these 3 Nationals Credit Bureaus plus XXXX XXXXXXXX bureau tell it to the CREDITORS, Bureaus are telling creditors my credit ratings are in complete bad dire straits with all creditors on my credit reports WHICH IS FALSE! Seriously how can this poor credit scores after paying of $ XXXX of student loans OFF have this kind of poor and I mean XXXX poor kind of a XXXX scores on all of my credit bureau files? HOW? Even when I only recently have filed bankruptcy on XX/XX/XXXX. I have been discharged and now there is only 1 ( ONE ) creditor AND THATS XXXX XXXX XXXX my recent car loan PERIOD! Neither one of the 3 credit bureaus NOR this fake company called XXXX XXXX dont have not one XXXX thing correct on my credit file. Tons of Tons of Fake inquires that I never and I MEAN NEVER ever applied for, DEMANDING that all of these tons of tons inquiries be removed IMMEADIALY from my credit reports ASAP!
Product: Debt collection

Although the collection agency did reveal information to a third party about my debt, I could have selected several other options. This creditor whom is either XXXX XXXX attorney at law or XXXX XXXX with a return phone number of XXXX has threatened me with legal action even going as far as telling a third party that they tried to file, but could n't because they did n't know what county or state I was in. Another violation would be that they have not sent a letter of validation. I called this company and have been unable to speak to anyone as it goes straight to voice mail. The original contact from this company was on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I left message demanding a letter of verification and as of XXXX XXXX, XXXX, I still do not have it. An Internet search to verify the validity of this lawyer as a collection agent or XXXX has found an estate attorney, an adoption attorney, and a in house attorney for a different companyXXXX searches, as a company, only come up with references that this is a fraudulent company. Although I believe there maybe many XXXX XXXX as an attorney, it seems unlikely that there is not XXXX mention of him as a legitimate collection attorney. His name would come up as people would complain about his collection practices as I am doing now. 

They told a third party whom they are supposedly collecting for but none of their supporting evidence applies to my situation. Although I have done business with XXXX, that is the only part of the information given to the third party that was verified. The rest of the details did not apply. Furthermore, they state they can not " find me ''. My address is part of the contract that I signed with cash net and I have lived at this address for 10+ years. They stated that they have tried to file suit against me but California rejected the suit because they did n't know what county I lived in. And they told the third party that the statue of limitations was almost up for them to collect which is blatantly untrue. California statue of limitations of written contracts is four years, if I signed the contract as they state in XXXX, XXXX, the statue of limitations would not expire until XXXX, XXXX almost a full two years from today. 

I believe they have violated the fair credit collection act several times by disclosing information to, a third party, by threatening legal proceeding, and by not sending a validating letter by XXXX XXXX, XXXX. I can not give you their address as I do n't have it. They have sent no correspondence at all. I will have to verify the last time I was contacted for collection on this matter but I do know that I have no written documentation from this company. 

I believe this to be a unfair practices as best and possibly outright fraud. As I stated the only part of what they revealed to the third party that was correct was that I had business dealings with cash net. The dates and amounts were incorrect and the fact that they can not find someone at their address for XXXX years is ridiculous. 

Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called Transunion on XXXX XXXX, 2017 and talked to the XXXX, XXXX XXXX. I told him that there are credit inquiries on my report that were re-added to my report. I know that Transunion had a computer problem, but they were removed by their company. I told him that I was aware of the 2 separate " glitches '' that occurred with Transunion that removed them. I told him that I was NOT notified within 5 days prior to then being re-added to my credit report. He told me that I was not affected by their glitches and he would not remove them from my report. I explained that these inquiries are adding a hardship and that I feel my rights were violated. I have been victimized by Transunion for a mistake that THEY made. I am asking for your help to make Transunion delete these inquiries permanently from my Transunion credit report ( as a violation took place when they illegally re-added them ).
Product: Mortgage

I had a mortgage with Chase Mortgage. On XXXX XXXX 2013 I sold this property.Then Chase has reported to the credit bureaus as a foreclosure started. Chase refuses to remove the XXXX status on my credit report. Even though, the account has been paid in full as of XXXX XXXX 2013
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$980.00} XX/XX/year> I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Checking or savings account

To whom it may concern, I have contacted Capital one bank about the serval charges and sent in all of the proof for these charges all of the mercharcants sent physical documents stating that I would be refunded and I never received a refund I filed a dispute with the reps and they were extremely rude, Been experienced reps yelling and saying to me that its my fault and its disgusting how a bank has zero fraud liablity but still takes no responsibility. ATTACHED YOU WILL SEE THE PROOF AND THE EMAIL CHAINS THAT OCCURRED. 
e : Claim XXXX for account ending in XXXX We're working hard on these disputed transaction ( s ) : Transaction Date ( s ) and Amount ( s ) XX/XX/2020 - {$110.00} - XXXX XXXX XXXX XX/XX/2020 - {$49.00} - XXXX XXXX XXXX XXXX XXXX Mon, XX/XX/XXXX, XXXX XXXX  ( 10 days ago ) to XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please review Capital one claim # Re : We need some more info for your dispute [ REPTRCKR : XXXX ] << Reference ID : XXXX >> Your Order Number : # XXXX Order # : XXXX Order # : XXXX Hi I placed an out back in XXXX I am missing skinny jeans, oatmeal bodysuit, skirt, and grey top. Is their another shipment? I told them Not to resend me another shipment. Now you guys did under this order Your XXXX XXXX : # XXXX. I reached out to XXXX XXXX  over 5 times via email was told by a XXXX in chat I will be getting a refund within 24-48 hours. I filed a dispute with my financial institute Capital one now they have said they contacted you and XXXX XXXX says order is valid. I been dealing with over now 3 months where is my stuff!! You guys resent items supposedly under the replacement after I told you guys I didnt receive it. Ive now paid over XXXX dollars and I contacted my bank and you guys are lying. I need a response to this ASAP my bank is included in this email as well.. 
For order : XXXX you guys been well Aware that I didnt receive this the tracking details clearly says incorrect My response that Im looking for is a refund and a apologies for the inconvenience that I been put through. 
I can be reached via email or XXXX Sincerely XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct this immediately : XXXXXXXX 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