23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX AV XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXXXXXX Balance : {$760.00} ; XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX {$960.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$370.00} ; XXXXXXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$65.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$80.00} ; XXXX XXXX XXXXXXXX Balance : {$15.00} ; XXXX XXXX XXXXXXXX Balance : {$260.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Money transfer, virtual currency, or money service

Coinbase continues to lag transactions to gauge the market. They are currently holding transactions over 72 hours with no explanation.
Product: Credit reporting or other personal consumer reports

I recently discovered that a fraudulent auto loan account was opened in my name with Santander Consumer USA on XX/XX/XXXX2020 without my authorization. I never applied for or opened this account and was completely unaware of its existence until XX/XX/XXXX 2025, when I checked my credit report while preparing to purchase a home. 

I have never received a bill, statement, or any communication regarding this account until I found it on my credit report. 

I attempted to call Santander Consumer USA, but my phone number appears to be blocked by their system, preventing me from speaking with a representative. 

Since I am unable to verify this account using my phone number or Social Security number, this further confirms that I am not the legitimate owner of this account. 

To verify your claim that this account belongs to me, please provide the following : XXXX copy of the original account application with my signature and any identification used to open the account. 
XXXX records showing when and where the account was used, including IP addresses, timestamps, and location data. 
XXXX of any written or electronic communications between your company and me regarding the account. 
XXXX of my consent, including records of authorization, voice recordings ( if applicable ), and any verification steps taken before the account was opened. 
Any internal investigation records your company has conducted related to this identity theft claim.
Product: Debt collection

XX/XX/XXXX - left a subpoena with my mother ( attached ) This subpoena was served to my mother and was addressed to my maiden name, which I have not used this name since I was married in XXXX. 

There was not attempt to see if this person named on this subpoena was me. 

It was served not in an envelope, not notarized, just a stained photocopy stapled together. 
The Case number is not a complete case number and there is no amount even stated on the paperwork. ( see attached ). 
I called XXXX XXXX XXXX  office in XXXX co, there is no record of any open cases against myself under my name. 

This is the second collection agency that has appeared in the last few months. 

This is not my debt nor my name. I have never received any correspondence from XXXX XXXX XXXX that I owe them anything. I do not have any collections on any of the 3 credit bureaus. I follow and watch them closely since my identity was stolen in XXXX. I filed a police report at that time proving my identity was stolen.
Product: Debt collection

I lost my job and was unable to meet my obligation to Synchrony bank, charged off the XXXX XXXX card and had it placed in collections. After waiting until the check cashed, I called onXX/XX/19 to get a paid in full letter. To my surprise I was told that I placed a do not contact order so they can not send me a paid in full letter until I sent them a letter via fax or US Mail. I faxed the letter on XX/XX/19. Never heard back from or received a letter. Called back on XX/XX/XXXX to inquire and was told they never received my fax and I would have to do it again. So I sent another fax to them along with the original fax and conformation. I was told they would fax me the letter by by today XX/XX/2019. The fax did not come. I can not seem to get this company to provide me with a paid in full letter no matter what I do.
Product: Debt collection

On XX/XX/2021 at XXXX XXXX. this company called my job leaving a detailed description of my debt asking for a call back. 

I could have lost my job. 
My boss says personal calls should not come to that number. The voicemail clearly states it is a hospital environment that XXXX XXXX was calling and he proceeded forward. In Maryland, these debt collector calls to places of employment are illegal. I called and spoke to them a few months back about " stop calling my job '' and they continue to do so.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602A. 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.
Product: Credit card or prepaid card

Experian continues to report me as an authorized user on a XXXX XXXX XXXX that isn't mine, nor did I authorize. XXXX  and XXXX have removed it. 

Account XXXX. XXXX
Product: Vehicle loan or lease

I am submitting a new complaint because TD Auto Finance has not provided me for an adequate response. So I will put it plainly : The TD Auto Finance website granted me a month extension took my money and added additional interest rate payments to my account. After the fact, TD Auto Finance reneged on the extension that the website granted, while still charging me an additional interest rate for the extension. 

The person who responded to my last complaint claimed falsely that they tried to reach out to me. I received no voicemails or phone calls from them. 

TD Auto Finance made an error and is charging me money for the error that they made, in violation of their own agreement. 

I tried multiple times to fix this using their customer service, however, every time I called the number provided, I was sent to voicemail. The calls were then returned by blocked phone numbers which were flagged as spam by my cell service carrier. 

I would like TD Auto Finance to be held accountable for their mistake and to fix it.
Product: Mortgage

Hello, First, thank you for taking the time to read and process my complaint. 
I may not have the exact dates of my first contact with XXXX  ( my mortgage loan servicing company ). But it is safe to say it occurred between XX/XX/XXXX & XX/XX/XXXX. 
After noticing an increase in my home value i reached out to XXXX to initiate a home appraisal for the purpose of removing my PMI. I was told it would cost {$580.00}, i found this to be too high as my research showed that the average appraisal cost in California was 500-530. 
After speaking to my realtor and members of his team, i was advised to reach out to XXXX to see if i could use an outside appraisal. XXXX told me that this wasn't possible, and the cost somehow went up to XXXX and i could not initiate the process without sending in a formal request via the portal. 
I sent the request but didn't hear back from XXXX for about 2 weeks, so i called again about 2-3 weeks ago. I spoke to a customer rep, who informed me that the portal ought to have been sending me information to my email. So, it turns out that vital information regarding my mortgage was not been sent over despite my email been correctly listed in the portal. Back to the issue at hand, the customer rep told me that after i sent in the request via the portal the appraisal would cost {$530.00}. What she failed to inform me was that i had to pay the fee while my request was been processed. Without this knowledge i assumed that my request was been processed, so i called this morning XX/XX/2020 to receive a status update. It was here that i was informed that i had to pay the fee before my request could be processed, and then the customer rep let me know that the fee for California was {$910.00}. As you can imagine i was utterly taken aback by this enormous fee especially given that i was just quoted {$530.00} 2-3 weeks ago. In fact, the customer rep confirmed that the notes on record showed that the previous rep had stated the {$530.00} quote. 
I have never been delinquent, and i am in good standing with my mortgage, all i ask is to receive a fair price for a fair appraisal and qualify to remove my PMI. I would think my loan servicing company would not be attempting to hinder the efforts of a client in good standing but i suppose this is not the case with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below accounts we discovered on my credit profiles when I checked yesterday, because I was looking at buying a building and needed to know how my credit score. 

XXXX XXXX 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 or prepaid card

There was a credit card issued in my name and sent to my address that I did not apply for. It was a macys credit card.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated ( " XXXX XXXX, XXXX '' ) but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible.
Product: Credit card

For the past year or so, I have had my American Express account set to autopay the full balance from my checking account, through Amex 's bill pay feature. I changed that to pay only the minimum due, as I decided to carry a balance for a time. The XXXX payment was NOT taken from my checking account, and when I called Amex they told me that " the change can take two months to be effective. '' I immediately paid the minimum due, and while on the phone with the representative asked to correct the issue so that my autopay made the minimum payment due by the due date. This change was made by the representative while we were on the phone. 

The change the representative made was wrong, however -- and the XXXX payment took the entire balance, over {$8000.00}, from my checking account. I tried unsuccessfully with my bank to stop the payment, but when that did n't work I talked to Amex on the phone, who said once the payment had cleared they would accept my request for a refund of the excess payment. 

I called the next day, and asked that the excess be returned to me via ACH to my bank account. They agreed and said it would take " a day or two. '' Wednesday, five days after the initial payment was incorrectly taken, I got a message from Amex that they were unable to electronically process the payment, and were sending a check instead. Via electronic chat, a representative assured me that the check was sent " within 24 hours of my request, '' that they could cancel the check and issue ACH, but that it would probably be quicker to wait for the check. 

Friday, now XXXX days since issue began ; I have still not received the check and the online representatives could offer no better explanation than " the check is in the mail. '' My account shows that the balance has been adjusted to my account as of XX/XX/XXXX, but still no indication that the refund has taken place. Clearly anyone who said " it 's on its way '' prior to Wednesday was being untruthful. No responses to my requests for check number or postmark date. Supervisor " XXXX '' offered Wednesday to " personally follow up via phone '' no later than Thursday -- to no avail. 

I believe American Express has deliberately and systematically taken steps to delay their return of my funds to use my money in the " float. '' As of XX/XX/XXXX I am now incurring interest on money they have yet to return to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX received notification that I had hard inquiry on report from XXXX XXXX XXXX XXXX I did not apply for this credit. Tried to call company per to have them send deletion request due to not applying. No one would help me.
Product: Credit card

In XX/XX/2023 I contacted Barclays AAdvantage card requesting a cancellation of the card if it was going to be carrying a membership fee when it renews after the first year. 
The request was not heeded and the bank took out the {$95.00} out of the positive balance I have had with them and then refunded the remainder. 
I inquired about this on XXXX when I got back into the country I was told that the bank would not have promised me to cancel the card if it was to charge the fee again. 
It then canceled the card upon my request ( again ) but refused to refund the annual fee already paid. 
I think this way of doing business is atrocious and extremely unethical.
Product: Credit reporting or other personal consumer reports

Today I checked my credit profile and found some data that can not be verified and information that is not accurate these items are not being reported as 100 % accurate and correct! As we know this is against the laws that protect all consumers to report any information, data, collections, or accounts that have not been proven to be 100 % accurate. The fair credit reporting act it say that every single thing on my credit report must be 100 % accurate under 15 USC Code 1681e ( b ) and 15 USC 1681i ( 5 ) these fraudulent collections on my credit report is a huge violation of not reporting a account 100 % accurately for these violations I can sue XXXX for {$6000.00} in federal court and I can sue Equifax for {$6000.00} in federal court which is {$1000.00} per violation!
Product: Debt collection

On or after XX/XX/2018 I contacted and spoke with a representative from XXXX XXXX. I was told they were collecting for XXXX XXXX for a bill that I owed and the details were discussed. I told the representative that I would be handling the debt directly with XXXX XXXX and they should cease and desist all communications and actions with this account. I was further told fine maam and was abruptly hung up on. I further proceeded after verbally communicating with XXXX XXXX to send a certified return letter stating according to the FDCPA to cease and desist all actions and communications with me. XXXX XXXX received and signed for the letter on XX/XX/2018. To no avail, Online Collections reported this collection to the credit bureaus on XX/XX/2018. I contacted XXXX XXXX  again on XX/XX/2018 and spoke with XXXX the assistant manager who refused to give her last name and was very rude in her demeanor. I attempted to let her know that I sent a letter and went over it with her but she rudely cut off. XXXX stated the law only applies to communication we can still report it to the credit bureaus. I told her she clearly wasnt knowledgeable in the law pertaining to Public law 95-109 and 99-361. Needless to say, the conversation did not end up nowhere. I made her aware that I would be contacting the Federal Trade Commission and my Attorney General 's office. She then asked for my attorney 's information. I stated there is no need for me to give that to you and the proper channels will contact Online Collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for over a year to get someone to help me regarding removing this inaccurate information from my credit reports. I have a Bankruptcy on my XXXX, XXXX and Transunion credit reports that was dismissed and never discharged because I never went to court for the judgement because I found a job before I had to file bankruptcy so I withdrew my request for the court to begin an active bankruptcy. I have written letters to XXXX Bankruptcy Court numerous times only for them to not answer my certified mail even after I paid for them an envelope to send me the information to be corrected. All 3 credit bureaus claim to have verified the information with XXXX Bankruotcy Court but no one has sent me proof or contract or court documents of an active bankruptcy because one simply does not exist. All copies of the letters that I sent and dates are attached for proof. Please I am begging to remove this inaccuracy from my credit report. I do not wish to file court proceedings against XXXX, XXXX, and Transunion for reporting inaccurate information that is a violation of my rights as a consumer. Please remove Bankruptcy from my credit report within 15 days according to FCRA.
Product: Credit reporting or other personal consumer reports

My personal information was a part of a data breach due to the lack of due diligence by EQUIFAX. This data breach has put me in financial distress due to fraudulent accounts created in my name. I have sent the following attachments to Equifax, but I haven't received any feedback. I am calling for the blocking and removal of all accounts included in the attached letters and ftc report. I could only list XXXX accounts. XXXX XXXX is missing from the report and I added the alleged syncb accounts. I also have a letter from an attorney from a court date about the XXXX  XXXX account that is listed. The matter was handled in court, but it is still on my consumer report. I will pursue restitution for the failure to remove items from my report due to willful noncompliance via FCRA
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX Date : XX/XX/year> LVNV FUNDING LLC Care if Resurgent Capitol Serv XXXX XXXXXXXX XXXX XXXXXXXX, SC XXXX Subject : Request for Debt Validation under 15 U.S.C. 1692g Dear LVNV FUNDING LLC Team, I am writing to request validation of a debt you claim I owe, in accordance with my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g. I received a communication from you on [ date of initial communication ] regarding an alleged debt, which I have listed below for reference : Account Number : XXXX Creditor : XXXX XXXX XXXX Amount : {$670.00} Under 15 U.S.C. 1692g, I am entitled to verification of this debt, including a detailed accounting of the amount owed, the original creditors name, and any supporting documentation that confirms my liability. Please provide the following information : 1. Verification of the debt, including a copy of the original agreement that legally establishes my obligation to pay. 
2. A complete breakdown of the total amount claimed, including any interest, fees, or charges.

3. The date of the last payment made to the original creditor, and the current balance.

4. Documentation that proves your authority to collect on this debt. 

Until this debt has been fully validated, I request that you cease all collection efforts, including reporting this debt to any credit reporting agencies, as required under the FDCPA. Additionally, please do not contact me by phone. Any further communications should be made in writing. 

Please provide the requested validation within 30 days of receipt of this letter. If you are unable to validate this debt, I respectfully request that you remove it from my records and notify any credit reporting agencies of the inaccuracy. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. XXXX XXXX XXXX., No. 95-6445 (C.D.Cal. XXXX XXXX XXXX), 
you may be liable for your willful non-compliance. 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 reinvestigated.