23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a call for merchant adjustment service around XXXX XXXX XX/XX/XXXX about a medical debt. I didn't consent to this debt collector to my personal. The lady that called me threatened me that if I didn't pay the debt, they were going to pursue legal action and offered me to pay only 20 %. Under 15 USC 1692 ( I ) Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. Merchant adjustment service is also in violation of 18 USC 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on an alleged debt not owned. As I stated above, I don't consent to merchant adjustment service to having my personal medical information or permission to have my personal identifying information, which you obtained by aggravated identity theft in accordance with 18 USC 1028 ( a ). Cease and desist all illegal activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 I contacted all 3 credit bureaus XXXX, Transunion, & XXXX, to verify the first date of delinquency on the account I disputed with XXXX XXXX XXXX. XXXX funding responded to XXXX XX/XX/22 complaint # XXXX that the first date of delinquency was XX/XX/22. However, XXXX reported on my credit file the first date of delinquency is XX/XX/22?? I am fully aware they may be several opening dates due to different collection agencies buying accounts. However, there should NEVER be a reporting of different first date of delinquencies, which clearly states the information reporting is inaccurate.
Product: Debt collection

I contacted the company regarding incorrect charges on XX/XX/18. The company received my disputes on XX/XX/18. via certified mail. It is now XX/XX/XXXX and I have not heard back from the company. The FCRA gives the company 30 days to respond. I have not gotten a response.
Product: Debt collection

On XX/XX/21 I have contacted the collection agencies and credit bureaus ( XXXX XXXX XXXX ) via mail and online disputes regarding ( 2 ) collections thats not mine reporting on my credit report. They failed to provide proof and claimed the debt was validated. Legally, they are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. Im requesting this information be REMOVED from my credit reports. Collection agencies as follows : 1. XXXX XXXX XXXX {$400.00} 2. Diversified Adjustment {$1500.00}
Product: Vehicle loan or lease

We paid off our Ally Financial loan XX/XX/2023. Its now XX/XX/2023 and still no pick slip. 
They are refusing to waive the late fees that fall during Covid that is covered under the CARES act
Product: Debt collection

This company lied about settling my two accounts with them. They told me on a live call that the accounts were cleared to XXXX. On the same call I gave them my credit card number so I know they have the call. I am requesting the call to prove them lied about where my money would go. They did not clear the debt at all thats why they refused to give me a letter that my debt was paid off. I called and again to request my money back since they lied about where the money would be going and they said it would be returned in 24-48 hours and that was a lie as well. I am ready to take legal action against this company. I am not working and I dont have money to be throwing around. That was my last! I am very very angry.
Product: Credit reporting

I need to know why my trans Union score keeps going down I have been faithfully paying on time I may have missed XXXX purchased furniture but my credit was up and i need an explanation
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX  XXXX  Address XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/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 an account without my written instructions Hard inquiry
Product: Debt collection

Company called repeatedly and then started contacting my family members saying I had a serious case about to be filed in court. I eventually spoke to them and agreed to give them payments using my debit card which was my silly mistake. I changed my banking information so they could not receive any more payments so they have started the harassing phone calls again.
Product: Mortgage

Mortgage was paid off in XXXX 2014. Can not get title to property because they wo n't release lien.
Product: Money transfer, virtual currency, or money service

Hello, I received an email stating that the sending and receiving functions of my account were XXXX due to security concerns. I tried contacting support and was informed that there was a report linking my account to high-risk behavior. I would like to emphasize that this is not possible, as my reputation is impeccable. I have been working with PayPal for several months without ever encountering any issues.

I do not understand how this conclusion was reached and kindly request that my case be reviewed. There has been no clear reason or evidence of any violation of PayPals terms and conditions. 

I appreciate your attention and the support of your team in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

this XXXX XXXX XXXX account is attempting to claim that i owe {$14000.00} debt that i have never even heard of. this account has been furnished on my credit file without my authorization. i XXXX XXXX XXXX have never signed any contract or attended any XXXX XXXX XXXX purchase. i have never given XXXX XXXX XXXX authorization to create an account and start billing me for i have never utilized any services or accomodations by this company and i need this account to be removed from my credit file immediately. i contacted westgate resort and they told me i needed to contact the credit reporting agency to handle it they can not do anything to verify that the debt belongs to me. being that i did not authorize or use this service i do not authroize this to be reported on m credit file as an account that i agreed on because i didn't. this debt needs to be investigated and removed for fraudulent activity. 

based on Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) you where supposed to XXXX report the results of the investigation to the consumer reporting agency ; i never gotten any verification that this debt is accurate and belongs to me so the result of that action not taken place being that i have not been provided with proof or evidence that the debt belongs to me then XXXX if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do XXXX of the following : a. modify the item of information. 
b. delete the item of information. 
c. permanently block the reporting of that item of information. 

update my credit file immediately
Product: Credit card or prepaid card

This is related to the prior complaint from XXXX where Bank of America charged off my account in XXXX claiming they did not know where I was, when they were already collecting from me on an unrelated Bank of America Account which I eventually paid in full. 

They have now issued a 1099 to me for what they claim was the balance they wrote off in XXXX. The XXXX is for {$11000.00} for account XXXX. I had previously requested the original agreement which they could not produce and I am not liable for the full debt as stated on the tax document. 

The debt was discharged by Bank of America in XXXX. They harassed me calling before and after hours and when I complained they admitted their own wrongdoing. 

This is a continuation of Bank of America harassing borrower 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

accounts opened without my consent and I have been paying for this for the last decade on my credit report.
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, XXXX XXXX : # XXXX XXXX  # XXXX has XXXX 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: Debt collection

On XX/XX/XXXX I used XXXX XXXX XXXX in XXXX XXXX, California on XXXX XXXX XXXX to ship box parcels to XXXX.. The total charge was {$340.00} which I paid with my XXXX XXXX. The Tracking # on the Receipt is : XXXX. I have a copy of the receipt. On XX/XX/XXXX, I received e-mail from XXXX XXXX stating that I exceeded the limit that was set before. I called XXXX XXXX and fond that XXXX charged me {$1300.00} on XXXX XXXX for the same tracking # on the receipt of the shipment. I declined the payment, and XXXX XXXX XXXX removed the charges on the next statement after I contested the charges and explained to them that I did not sign for this amount of charges and supplied them with the original receipt from XXXX. Later, I received an Invoice # : XXXX from XXXX with invoice date XX/XX/XXXX for the same tracking # for the receipt that I signed on XX/XX/XXXX. The charges was {$1300.00} as a balance due. I called XXXX and explained to the operator on the phone that this is a fraud and it 's illegal to charge my credit card without my knowledge or consent. I explained to her that I would never have sent the shipment if I would have known that the charges is {$1300.00}. The employee was very rude and told that I have to make the payment to XXXX. I was terribly stressed and shaking so my husband took the phone and ask for a supervisor to talk to. A lady name XXXX spoke with my husband and after half an hour she agreed that I am right and she removed the charges. On XX/XX/XXXX, I received a letter from a collection company Named Transworld Systems Inc. with File # XXXX, Invoice # XXXX XXXX to collect adept on behalf of XXXX with amount of {$1500.00}. They added a collection fees charges of {$190.00} to the original {$1300.00}. On XX/XX/XXXX, I wrote a letter of all the above to XXXX and to Transworld Systems Inc. and asked to remove all the charges because it 's a fraud and illegal to charge me after the fact. On XX/XX/XXXX I received a letter from Transworld Systems INC with the Reference # XXXX XXXX stating that they are stiil reviewing the charges!. I really appreciate your help. I am a senior citizen and I got extremely stressed with every letter regarding this unfair charges. Thank you so much for offering this service.
Product: Consumer Loan

I talked to lady that was inconsidrate and had no empathy what so over. I asked she transfer me to someone hire than her which was XXXX I did inform him that I have a prepaid card and that 's how I pay my bills. He start talking loud over me asking me did I spend my whole check and I wont have money for XXXX weeks how would I get to work and gas things of that sort. He was getting to into my personal expensive and also told me I see how the other young lady and I went left. He was really rude to be a supervisor. I feel long as I had a card on file and the day that I informed him the money could be withdrawal from my card should have been fine. XXXX XXXX people
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Checking or savings account

XXXX XXXX XXXX XX/XX/19 XXXX pm Went to deposit a check with my card that goes to my fourth account that ends in XXXX and it deposited the money into my negative acct ending in XXXX. Within seconds of the ATM error I ran inside and asked for help the told me to call XXXX and noone could help me what so ever ..even though it was a atm error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, XXXX and Experian several times about this issues the inquires on my credit from XXXX XXXXXXXX and other unauthorized inquires in 2021. I have recently sent a letter again about this problem certificate mail. All they offer me was a {$1.00} trial to monitor my credit. They also inform me that I was apart of a breach. Thinking they would help me
Product: Checking or savings account

I opened a XXXX account with XXXX XXXX after one year they closed my account for not being able to verify information on my account and freezed my funds. I just finished the term of my cd the payout process began and I started another account because they offered it to me even though they so called couldn't verify my identity. Now my funds our frozen they never called to ask for any documents or noting. I am a us citizen I have a valid state driver license and I bank account savings account from XXXX XXXX  with electronic deposit from my employer I don't understand what they can't verify I been paying on time from a valid XXXXXXXX XXXX account for a year and they refuse to let me speak to s supervisor and give me any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Went to a car dealership and I was already pre approved through my bank for a car loan that I actually didn't end up purchasing because of other various reasons.But to make it short I was already pre approved for a cal loan so there was no need to run my credit, because the bank already had a letter in the amount of what I was approved for but they insisted they could get me a better rate in which i was already happy with the rate that my bank had given me. So I would appreciate if these hard inquires can get taking of my credit report because it is inaccurate and if you look at my credit history I am usually good when it comes to paying on time and being in good standing with my credit card companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a disputed to all three credit bureaus against XXXX XXXX open balance of {$65.00} in XXXX. XXXX XXXX XX/XX/2021 XXXX immediately removed outstanding amount from Credit Report however XXXX  and Experian came back that the amount was valid. I proceeded to submit ( XX/XX/2021 ) the dispute report from XXXX  and XXXX  is currently researching for over 30 days and Experian came back that the amount was valid. I attempted to resubmit a dispute to Experian and I was not allowed as it was determined that the matter was closed. I then waited a few days and submitted another dispute with the XXXX XXXX report and a copy of the money order ( XX/XX/2021 ). Immediately I received an email that the dispute was valid. I proceeded to call Experian where I was repeatedly asked what new information did I have available. I asked the representative what additional information would be needed than proof that another credit bureau found the information needed to be removed without any documentation. However I also submitted a copy of the money order. After being asked multiple times if I had additional information the representative stated they were able to see the documentation I originally submitted and hopefully the reviewers would see it and remove XXXX XXXX from my report. However I receive multiple emails from Experian that the matter is being investigated and XXXX  states it is still under investigation. There is no reason that this issue should have taken multiple submissions over 2 months. It should be resolved and the items removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are items on my credit report that are violations of the Fair Credit Reporting Act that I request to be remove expeditiously for violating my rights as a consumer. There is invasion of my privacy and defamation of my character. No consent id Identity theft!
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts they do not belong to me tney are not mine and I will not be responsible for this!!!! 

XXXX  XXXX - Accounts # XXXX XXXX {$1000.00} Opened XX/XX/XXXX XXXX XXXX XXXX  - Account # XXXX XXXX {$0.00} Opened XX/XX/XXXX XXXX XXXX XXXX  - Account # XXXX {$0.00} Opened XX/XX/XXXX INQUIRIES Creditor Name : XXXX XXXX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Product: Credit card or prepaid card

Received 3 emails today from Synchrony regarding a credit builder card that I never applied for. No text in the emails, the subject lines were A trial deposit has been successfully made to your Amazon Credit Builder, ( twice on that one ) and Action required on your application. I have an Amazon store card from Synchrony, but did not apply for a new one.  I don't need credit building. When I called Synchrony, after they finally transferred me to a person, the message came on that they were not able to help at this time and to call back at a later date. Then they hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

My government student loans ( through XXXX ) have been transferred to a new servicer ( XXXX ) where I have been paying them monthly regardless of the XXXX rules which state that I do not have to till XX/XX/2022. 

Under XXXX they show as paid as agreed. Under Dept of EdXXXX , they show as in default. I also was told, they would never go to default on my credit report due to the XXXX issues, but they did anyway. 

They refuse to remove the XXXX lines on both Equifax and XXXX. 

loan # XXXX XXXX loan # XXXX XXXX loan # XXXX XXXX loan # XXXX XXXX loan # XXXX XXXX loan # XXXX XXXX loan # XXXX XXXX loan # XXXX XXXX I would like them removed as I am paying the loan under a forebearance agreement which was suppose to clear me from this on my credit reports. 

XXXX XXXX
Product: Checking or savings account

I am a victim of the 2016 " XXXX  Data Breach '' identity theft case.

My SS, driver license information was illegally used to open multiple unauthorized accounts under my name.

My bank ATM/Debit card was cloned/stolen and was used for unauthorized transactions on multiple occasions.

For this reason, I was forced to change my cell phone number, close all my bank accounts, notify the IRS, all credit bureaus, and notify the respective authorities.

I did not authorize any transactions on rafter this date, and I did not authorize anyone else to use my ATM/Debit card in any way.

I am notifying you, according to the Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, of my lost or cloned/stolen ATM/Debit Card and unauthorized transactions. See especially 12 C.F.R. 205.6, 205.11. 

I request that you investigate any unauthorized transactions involving this card, including but not limited to the following : List of unauthorized transactions.

I am attaching a copy of each of the following documents to this letter : 1. A copy of my Identity Theft Report which includes : my FTC Identity Theft Report IRS Notice CP01 Police Case/Report
Product: Debt collection

I have reached out to XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX for verification of alledged debt. This debt is reflecting negatively on my credit report and I am requesting to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX bankruptcy discharged Account # XXXX, XXXX Account # 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