23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The representative from Harley Davidson Financial called to attempt to collect a debt. I communicated my concerns to the representative about their being no transparency, and no clarification as to what the past due amount was for and what it was paying and communicated that they had locked me out of my online account, making me unable to see that information prior to paying and during the process of this phone, call the representative, communicated a threat of XXXX against me and my family. I am pursuing criminal charges against that representative however, Harley Davidson Financial is deliberately concealing that information from the criminal investigation.
Product: Credit card

My wife has a shopping addiction. She has run up credit cards in my name. Ones that I did n't know I had. The worst is capital one. I took {$10000.00} dollars out of my 401 so I could settle that dept. then I find another for {$5000.00}. They stop credit on that card but still send us applications for new cards. I feel they target people like my wife and it reall XXXX Sincerely XXXX XXXX XXXX
Product: Debt collection

Today I received an alert from my credit monitoring service that this collection agency has reported that I owe them money for an alleged debt. I have never done business with this company. I have never received any correspondence from this company notifying at all prior to taking this audacious act to defame me and negatively impact me financially not to mention defaming my name without due process.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus continue to neglect this matter, poorly investigating disputed accounts thats clearly fraudulent. I have continue to submit valid information to proof my identity, such as police report of this fraud. I have spoking to Equifax which have stated I have some form of mixed credit with accounts and thats not mine. which I have verified my residence and documents to clear this fraud. XXXX has block my request to update my information which I have also identified myself, submitted documentation for them to verify these fraudulent accounts that they have stated was throughly investigated thats wasnt throughly investigated by neglecting my valid information and allow creditors to excuse me of these fraudulent accounts. I have sustained damage to my credit do to the credit bureau lack of trust they have continue to allow creditors to update closed fraudulent accounts and fraudulent accounts & charges like : Names : XXXX XXXX XXXX - fraudulent account and charges XXXX $ and XXXX $ refused to verify information to me has pass 30 day time period numerous times which is violation to verify this alleged debt, which all 3 credit bureaus have received documentation to proof this is fraud XXXX XXXX  - fraudulent account reporting XXXX XXXX XXXX XXXX ( 7year account pass statue of limitation to report ) is paid and in full as agreed to terms, by third party name XXXX financial that has collected debt on there behave that debt is satisfied. 
Either to be changed to pay and full or to be deleted by original creditor. Immediately documentation has been sent once again. 

XXXX XXXX  - date XX/XX/16 XXXX - pass statute of limitations 7 years, / bankruptcy account that shouldnt be report or seen on credit report that have to be removed immediately. 



XXXX XXXX XXXX  - fraudulent account and charges of {$1000.00} havent submitted no request in writing to me to sell or put a fraudulent account in collection from a third party lender by the name of XXXX XXXX XXXX XXXX XXXX -is falsifying their identity to collect a debt for XXXX XXXXXXXX XXXX, that is a fraudulent account which they are stating the account is owe {$1400.00} they are legally report wrong information on a reported fraudulent account. And is violation of 15 US Code 1692 ( f ) XXXX is report wrong information. Such as my verified address phone numbers which I have submit documentation of that as well to them that was never updated or throughly investigated when fraud occurred XXXX is in violation of : 15 US code 1681 C-2 ( b ), 15 US code 1681 ( d ) and ( c ) 15 US code 1681i ( a ) 15 US code 1681E ( 1 ) & ( b ) XXXX is in violation of : 15 US code 1681 C-2 ( b ), 15 US code 1681 ( d ) and ( c ) 15 US code 1681i ( a ). 15 US code 1681E ( 1 ) & ( b ) Equifax is in violation of : 15 US code 1681 C-2 ( b ), 15 US code 1681 ( d ) and ( c ) 15 US code 1681i ( a ) 15 US code 1681E ( 1 ) & ( b )
Product: Credit reporting

XXXX Mortgage has refused to updated or delete my delinquent status of my Home Mortgage Loan, for approximately 18 months. I paid off my home 2 months ago, the total balance, and I have requested updates from XXXX, but to my surprise I have yet to see any progress in this. It is negatively affecting my credit score, and I am in the process of submitting a loan application with the XXXX CA. XXXX XXXX XXXX XXXX XXXX XXXX which will provide me the capital needed to expand my business. I plan on opening my second jewelry store in XXXX of this year, and I desparately need to clean my credit by XXXX XXXX. Any help on this would be greatly appreciated.
Product: Money transfer, virtual currency, or money service

basically somebodhy stole my XXXX  and i imedietly started calling my XXXX XXXX XXXX and other apps or contacting them in order to block my accounts or cards. my problem was with cash app, i was unable top reach a human, which at the time was not a possability as cash app did not have real people to talk to or offer. i had to log in to the app in order to do so but all i was able to do or allowed to do was send an email. it took cash app 1-2 weeks to contact me but instead of blocking theives, protecting my funds, bitcoin and stocks, cash app practaces allowed for a perpetrator to hack into my cash app, use my email, my phone number to change all my info with cash app and lock me out of my account. still today 2 years later after openig cases, filing police reports, sending a detailed report to cash app, sendinig my identity and going throuogh cash app idenity process, after opening a new account with my same info that was higjacked, after all of this and still attemtpying to contact cash app about it. there ianswer is that they can not allow acess to the account, they can not help me in any way and basically not allowing me acess to my half a bitcoin, multiple stocks, and cash in the app, basically robbing me and not giving a care in the world. at the time the value was close to alltogether aroundf XXXX with XXXX of it bitcoin the value of that coing XXXX to around XXXX monts or weeks later. it was all the money i had, it was everything..but i dont know what was stolen or what is still there in the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights.

NEGATIVE ACCOUNTS : -XXXX XXXX  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.
Product: Student loan

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX. XXXX Account Number : XXXX 90 days in XXXX XXXX 120 days in XX/XX/XXXX, XXXX XXXX 150 days in XXXX XXXX, 90 days in XXXX XXXX, 120 days late in XX/XX/XXXX, XXXX XXXX, 150 days in XXXX XXXX 120 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

XXXX. XXXX  Account Number : XXXX days in XXXX XXXX  120 days in XX/XX/XXXX, XXXX XXXX 150 days in XXXX XXXX 90 days in XXXX XXXX 120 days late in XX/XX/XXXX, XXXX XXXX, 150 days in XXXX XXXX, 120 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 


I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received debt validation from United Revenue and appreciate them clearing this matter. As a result, I submitted payment via certified funds to clear my {$840.00} balance. Per their credit reporting policy and the new bill introduced in the United States Congress, medical collection accounts will be deleted when they are paid in full. However, my account has not been deleted. Since I have submitted payment in full, I kindly ask that this account be removed from my credit report, as required by law.
Product: Credit card

My card has been declining at every store, both in person and online, despite me having an available balance. Because the company refuses to help with this, I turned off autopay on my account and said I would not be paying until they did something about the issue. Today my bank account has a pending charge for XXXX from the company, and when I go into my account I see autopay was turned back on and a one time payment was made in the same amount. I never authorized this charge or agreed to turn autopay back on. This is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting act XXXX  account 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 1681section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

Listed are some additional convergent accounts that violated my rights, 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
Product: Student loan

Company : Wells FargoSchool : School XXXX XXXX XXXX, XXXX applied for a Six-Month forbearance on my student loan in XXXX or XXXX of this year, when applying the associate I spoke with informed me that if my financial situation had n't improved by the end of the forbearance period I would be eligible to apply for an additional forbearance of six months. 
I 've struggled with XXXX that have inhibited my ability to be as productive as possible since graduating college in XX/XX/XXXX. I 've been employed off-and-on during this time. First at a local hardware store, then, after an internship opportunity in XXXX that I allowed to slip because of my illness, and a period of unemployment and even XXXX XXXX ; at a local ski shop. Exacerbating this is my total debt : upwards of {$230000.00} and growing daily. I 've finally reached a point where I feel I am making some sort of progress, working with my doctors and my family ; however, these sorts of psychological hardships are completely ignored by ALL of my private financiers. 
When the six months were up ( this XX/XX/XXXX ... Bill due XX/XX/XXXX ) I immediately called Wells Fargo customer service to begin the process of applying for an additional forbearance while I continued work on my career outside of retail. The representative I spoke to was apprehensive at first, saying something about XXXX payment required -- when I explained to him that the employee that I spoke to in XXXX had assured me I 'd be able to receive the additional forbearance he said something to the effect of " Oh yeah, that 's right, you need to call back closer to your billing date, though. " I assumed the information provided to me by multiple customer service representatives at Wells Fargo was correct and I waited until the day before my bill was due to call them to complete the application process. What happened next was astounding. 
Every single representative apologized, the information I had been provided previously was incorrect, there was nothing they could do, my bill was due the following day. I struggled for hours -- being punished for misinformation provided by their own customer service representatives seemed less than fair, possibly criminal. 
I have no doubt in my mind that the customer service representatives at Wells Fargo are trained in subterfuge, to delay these sorts of requests until it 's too late and then to completely shut down any hope of delaying billing. 
We 've began the process of loan modification but we 've been informed that our bill is still due, I 'll be forced to make below-minimum payments and to deal with possibly months of harassing collection calls. 
As someone already suffering from a handfull of XXXX illnesses the thought of surprise default or even just continued deceit can be quite literally crippling. 
I would never have signed up for higher education, had I known at XXXX ( when I was still asking permission to use the restroom in highschool ) this would be the cost.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

CHEXSYSTEMS COMMITS 2ND DEGREE FELONY BY USING MY PERSONAL INFORMATION WITHOUT MY CONSENT, ALSO RECENTLY I WENT INTO XXXX XXXX XXXX  AND WAS REFUSED TO OPEN A CHECKING ACCOUNT BECAUSE OF CHEXSYSTEMS WITH THIER SECRETS MAKING FALSE REPORTS ON ME WITH NO TANGIBLE EVIDENCE TO ANYTHING, AND IM XXXX SICK AND TIRED OF THESE XXXX CRIMINALS, THEY SEND ME PAPERS ASKING FOR MY PERSONAL INFORMATION WHICH IS NONE OF THIER XXXX XXXX, THEY HAVE BEEN MAKING BAD REPORTS ON ME FOR YEARS NOW AND GETTING AWAY WITH MASSIVE FELONY FRAUD, THEY WILL NOT SEND ME THIER REPORT THAT THEY ARE USING AND KEEP IT A SECRET, I WILL NOT CALL THIER XXXX XXXX AND GO ROUNDY ROUND WHILE THIER XXXX ASK ME FOR A BIRTHDAY, I DONT HAVE ANY CONTRACT WITH THESE XXXX AND THEY ARE XXXX
Product: Credit reporting or other personal consumer reports

Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a FTC report on XX/XX/2021 regarding a fraudulent account popping on my credit from the creditor XXXX XXXX. I disputed it twice with XXXX, Transunion, and XXXX. The account came off on the second attempt. On XX/XX/2021, the account was re-inserted on my credit. This is a violation of the FCRA. The account was deleted because it was considered fraudulent. and then placed back on my credit. I am happy to get my legal team together and litigate XXXX XXXX for debt collection malpractice along with XXXX, XXXX, and Transunion.
Product: Mortgage

I had a flood in my house on XXXX XXXX, XXXX The insurance company sent me the check for the repairs in the amount of XXXX after my deductible on XXXX/XXXX/XXXX ( they were behind sending the check because the large demand with the fires in XXXX XXXX The insurance company sent the check to my name and the mortgage company, I called the mortgage company to arrange the endorsement of the check, they said I had to mail it, I said I wanted to take it personally even if I had to fly to XXXX to take it because I had no floors, no kitchen, no bathroom at my house and I needed to get my house back together right away. They said the only way to do it is to overnight the check and then they will send me a check, I overnight the check, I uploaded all the information they requested, then they said that my account showed to be delinquent and they could n't release my insurance check to me. I told them the account was not delinquent, they confirmed with the mortgage department that my account was current. but they still insist in keeping my money illegally, They do n't even pay me interest on my money. I am not able to put my house back together and we are not able to live at the house without the kitchen, bathroom, flooring and walls missing. this is causing an extreme hardship, we have no place to live!
Product: Credit reporting or other personal consumer reports

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

this account was compromised and new lines where added without my knowledge or consent given. I spoke with both the creditor when the issue was bought to light after receiving an accelerated billing statement and extra lines where added to my account. I asked both XXXX and the collecting agent ( review recorded messages XXXX to investigate how these additional lines were opened and activated without my consent and to make amendments to the bill to only include the authorized line on the account. Nothing has been done to correct the account since 2009. I ask for full validation of this account ; when and where the lines were added ; a copy of the signed contractual agreement and any other documentation that validates my authorization to add lines to this account.
Product: Debt collection

First : I opened a credit account in the XXXX ( XXXX XXXX ) in XXXX, XXXX. 
Second : My last payment on this credit account was on XXXX XXXX, XXXX in XXXX, XXXX. 
Third : After my last payment I cant pay any more, because on XXXX XXXX, XXXX I lost my job and I had several health problems up date. 
Fourth : On XXXX XXXX I enrolled in a program of the XXXX ( XXXX XXXX XXXX ) to pay my all credit account, including my debt with XXXX XXXX. 
Fifth : The XXXX ( XXXX XXXX XXXX ) tried to sign an settlement with the XXXX Bank, but this Bank refused the proposals without any justification. 
Sixth : On XXXX I moved to the XXXX XXXX, and I live at XXXX XXXX, XXXX. 
Seventh : On XXXX XXXX,, XXXX the Bureaus Investment Group XXXX XXXX LLC filed a civil lawsuit ( Case XXXX XXXX ) against me in XXXX XXXX Court XXXX XXXX XXXX XXXX XXXX, and this Company claimed the balance of this Account ( XXXX ), despite the XXXX of limitations has expired. 
Eight : In the XXXX XXXX the statue of limitations is 5 years after the last payment was made on the debt, and my last payment was made on XXXX XXXX, XXXX. ( State Law Title VII Chapter 95.11 ). And this  Company could claim this balance only before XXXX XXXX, XXXX. 
NIght : I never used this Credit Card in the XXXX  XXXX. 
Tenth ; Also, I received my Annual Credit Report of the XXXX, XXXX and XXXX under the Fair Credit Reporting Act, and in this report I cant find the debt complained for this lawsuit against me, because the time has expired for taking any legal action about this credit debt. 
Eleventh : For these state laws, the action of this Company is a fundamental illegality, because the Fair Debt Collection Practices prohibits collectors from taking an action ( Civil Lawsuit ) beyond the statute of limitations to collect a debt that they can not legally take.