23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

i have an account i opened with one main finance XX/XX/XXXX the payments i was only about to access from the company only covers 1 year and i noticed the payment allocation to principal and interest doesn't seem to be corrected i call first then stop in the office XX/XX/XXXX and was told my staff any time the payment is late then the allocation would look that way. that doesn't make since even when the payment was on time the same thing happened for example for XX/XX/XXXX {$310.00} due XXXX paid on XXXX {$53.00} went to principal and {$260.00} went to interest, XX/XX/XXXX same due date paid on XXXX {$7.00} when to principal and {$300.00} went to interest. Over the past 12 months the company has received {$3000.00} in interest and {$510.00} to principal the loan was for {$8700.00} at 60 months 35.99 % interest
Product: Credit reporting or other personal consumer reports

A complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that XXXX, XXXX and Experian credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information includes an account opened at XXXX XXXXXXXX XXXX XXXX, which I did not authorize, open, make, or initiate in any way. 

The details of the fraudulent information are as follows : XXXX XXXX  XXXX XXXX Account : Opened under the account number XXXX, with an initial date of XX/XX/XXXX. 

This account is the result of identity theft and fraud, and I have attached a copy of my FTC Identity Theft Report to verify that this is a case of fraud. I do not recognize this account, nor was it opened, made, or initiated by me in any capacity. The fraudulent entry is affecting my credit report, and I request the immediate removal of this item. 

Furthermore, in support of my rights under the FCRA, I reference the following court cases : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case affirmed the consumer 's right to dispute and have inaccurate or fraudulent information corrected or removed from their credit report under the FCRA. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : This case reinforced that credit reporting agencies must maintain procedures to ensure the accuracy and integrity of the information on consumers credit reports, particularly in cases of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : The court held that the FCRA requires credit bureaus to conduct reasonable investigations and promptly correct inaccuracies when consumers report fraudulent information on their credit reports. 

These cases establish my right to a fair and accurate credit report and affirm the duty of XXXX to act promptly in removing fraudulent information. Additionally, I have provided a copy of my current consumer FICO credit report showing this fraudulent account, along with the FTC Identity Theft Report as confirmation.
Product: Debt collection

Allied Interstate calls me repeatedly, even on XXXX XXXX. 

The last phone call was from XXXX on XX/XX/year> at XXXX XXXX  I called back. This is the third time I request a copy of the signed contract I have with Allied Interstate be mailed to the address they have on file before I will verify any information over the phone. 

The first time I requested this information, the man yelled at me and said, " you guys always request this and nothing ever happens! '' he then hung up on me. 

The second time I made my request, I told the man I was recording the call. He was very polite, thanked me, and said he would do it. 

Today, my third request, the man I spoke to, XXXX XXXX, asked me repeatedly if I was refusing to verify information over the phone. I told him I would not verify over the phone UNTIL they sent me what I was asking for. He said since I was refusing, there was nothing they could do.
Product: Student loan

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
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 your 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.
Product: Debt collection

Spring Oaks Capital is claiming that I owe them money from an old account that is paid. When requested further information from them I did not received what I had asked for. Also not in a timely manner that was given to them.
Product: Checking or savings account

My brother, XXXX XXXX went to Chase Bank at XXXX XXXX XXXX, XXXX, CT XXXX on XX/XX/XXXX to work with XXXX and XXXX, his " personal bankers '' to change a will or turst fund to include my son.When eh gave CHase bank my social security number, they told him it belonged to XXXX XXXX and that nothing further could transpire until they reach such person I called the Main # of the bank and it said all teers were bust and redirected me to their XXXX #, that operatory tired to transfer me to their fraud dept and I was on hold for 1 hour on cell phone # 1. I also tired calling both XXXX and XXXX and both promised that they would call me back asoon as s they completed businesss with their current customer. They never called me back and a dedicated phone I held open for them.The branch manager, XXXX XXXX also di not retrun my calls.My brother retruned to the bank to learn that this XXXX XXXX had a closed account with chase with my SSN and that she lived in XXXX, CT-I live in XXXX Ct and opened a case with the XXXX police case # XX/XX/XXXXthe police have access to a database and they could see that XXXX 's ssn was 1digit different than, So I finally Chase Bank fraud detection dept and they told me that they simply can not help me over the phone.CHASE Bank is nto taking ownership for their error and not resolve this fraud that my brother detected and they seem to be insulating themselves avoiding consumer calls and complaints form this .They are irresponsible and horrendous customer serviceI thibnk they are trying to sweep it under the rug,
Product: Debt collection

In this month, XXXX XXXX, XXXX, when I got the paycheck I noticed over {$300.00} was seized without me knowing. I work as a driver for XXXX XXXX, so I had a friend call payroll for me, and I was on the call simultaneously. Cause XXXX contracts with XXXX for payroll services, we had to get in contact with XXXX, an XXXX employee, telephone XXXX, XXXX. We were told by XXXX, XXXX was following a Garnishment Order from a New Jersey venue case. Problem is I domicil in XXXXXXXX and prior to that XXXX XXXX. I got no Notice from either XXXX or XXXX payroll services, to allow me the opportunity to challenge the aledged debt. XXXX has all contact information for me. XXXX from XXXX stated they had no way to contact me. 
I asked for the supposed court order, but was never given it. I had to ask several times before I was given the Sheriff 's office who issued the writ and the unlawful debt collection agency ; Pressler-phone XXXX. I called Pressler many times and to date, have not been able to speak to anyone. 
From the Sheriff 's office, I was able to view the Writ, and from what I read, this is supposedly a XXXX judgment order, in New Jersey [ court ], for which I never got Notice for such. I suspect the issue maybe an Identity theft one, as I have never had any accounts with the debtor. I checked the credit report for XXXX and nothing shows up for the said unlawful debt. I am waiting on reports from XXXX and XXXX, by mail. 

I truly have no idea what this is about, and I am unable to contact Pressler, to challenge the debt under 15 USC 1692g, and other debt challenges. This quite unfair and deceptive act and is causing me financial harm. 
Both XXXX and XXXX failed to notify me of this garnishment, putting me in stress and turmoil.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/year> XXXX XXXX XXXX contact myself, my wife, my sister, and my mother regarding a debt. They confirmed they were speaking to me and confirmed my debt. I told them to stop contacting me. 

XX/XX/year> XXXX XXXX XXXX  contacted me at XXXX regarding the same debt. Confirmed who I was and the debt again. 

This violates the FDCPA XXXX in XXXX law. Which is as follows taken directly from XXXX XXXX  : In addition, the XXXX XXXX XXXX creates certain presumptions to help determine whether debt XXXX have violated this law. The debt collector is presumed to violate the law if they place a telephone call to you about a particular debt : More than XXXX times within a XXXX period, or Within XXXX days after engaging in a telephone conversation with you about the particular debt.
Product: Debt collection

As far back as XX/XX/2021, I've been writing to XXXX XXXX for information about this debt with NO response ( see attached letters with fax confirmations ). I even asked the bureau to investigate the account, and they didn't respond to me either. When it comes to collection agencies and credit bureaus... one lies, and the other ones swear by it! Six months has been long enough. I want this account deleted!
Product: Credit reporting, credit repair services, or other personal consumer reports

negative collections remove now!!! XXXX XXXX acct # XXXX {$7400.00} and XXXX XXXX acct # XXXX {$100.00} These collection payments must be removed asap, These negative medical accounts are also in violation of the Health, Insurance, Portability, Accountability, Act ( HIPPA LAW ) 1996. I have reported fraudulent activity due to a security breach in a system that contained my personal information. I have been disputing these items since the pandemic and i have reported these errors to XXXX, Transunion, and XXXX these companies have failed to investigate and have thrown out numerous complaints and have failed the american consumers by violating the 15 USC 1681 ( d ) disclosure of investigative reports, these companies have failed to report accurate information and thrown out letters instead of investigating the consumer letters and having the best interest of the consumers. They have continued to violate federal law 15 USC 1681 ( d ) even upon investigation from congress with Rep XXXX XXXX where congress findings have acknowledged that these credit bureau failed to investigate and has caused damages for consumers with errors on their consumer reporting. Remove these late payments now or i will exhaust my consumer rights and bring these erroneous errors and hold these companies accountable by going into litigation!. Thank you XXXX XXXX
Product: Bank account or service

I have an unauthorized Wells Fargo credit card account I just discovered. I do n't see that there has been any activity on the account, nor any fees that I can see. But it 's a {$2000.00} credit limit I did n't ask for.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and 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: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I pulled my Credit Report and I noticed that inaccurate information was reported by LVNV Funding, LLC. I had no prior knowledge of this alleged debt and I have never given LVNV Funding, LLC and other companies who are associated with them such as Resurgent Acquisition and XXXX XXXX XXXX XXXX my personal and private information. I have a right to privacy and my privacy has been breached pursuant 15 USC 1692c ( b ). I have never been in contact with LVNN Funding, LLC. No information was validated with me as the consumer pursuant to 15 USC 1692g ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ( 5 ). LVNV Funding, LLC is a third-party debt collector. LVNV Funding, LLC has furnished information on my consumer report without my knowledge and permission. I have sent LVNV Funding, LLC and all associated parties such as Resurgent Acquisition, LLC and XXXX XXXX XXXX a letter has been mailed and delivered Reference ID : XXXX TRACKING ID : XXXX, XXXX, XXXX, XXXX. All documents have been mailed, delivered, received.
Product: Debt collection

Did not receive proper notice to dispute debt of {$510.00} total. 1st balance owed is {$260.00} and 2nd balance owed is {$240.00}. Both are with same collection company.
Product: Mortgage

DITECH FINANCILAL LLC, XXXX XXXX XXXX. I USE TO PAY {$380.00} A MONTH AND NOW THEY RAISED IT TO {$670.00}. I ', M RETIRED, WIFE IN XXXX AND I HAD A XXXX XXXX 2010. IT IS PUTTING A BURDEN ON ME. HELP ME. IF I GET SICK OR LOSE MY PART TIME JOB, I WILL LOSE MY HOME. HELP ME.
Product: Credit reporting or other personal consumer reports

I disputed an incorrect bankruptcy listing with this company. They claimed it was verified by XXXX. I contacted XXXX, which investigated and deleted the incorrect information. I then provided Equifax with a letter from XXXX confirming the deletion. However, Equifax continues to state that the bankruptcy is verified by XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/2017 I wired {$8500.00} to Coinbase. The funds were received by Coinbase, according to my Bank, XXXX, but the funds have not shown in my Coinbase account.

I have submitted various support emails to Coinbase but no resolution has come about.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX TX, XXXX DOB:XX/XX/XXXX SSN # :XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX To TransUnion Dispute Department I recently pulled my credit report and I discovered upon viewing that the following listings below are reporting inaccurately. I have included a screenshot highlighting in yellow each violation as proof. Please Update the following to XXXX XXXX XXXX Immediately. 

Update XXXX XXXX to XXXX XXXX XXXX XXXX because of multiple inaccuracies. 1. In the " Payment Sections '' of the listings. XXXX and TransUnion is reporting that I was late 120 days. However XXXX is reporting that I am 180 days late. How could this be? 2. In the " Last Payment sections '' of this listing. XXXX and TransUnion is reporting ( XX/XX/XXXX. ) as my last payment. However XXXX is reporting ( XX/XX/XXXX ) my as last payment. 3. In the " Open Date Sections '' of this listing. XXXX  and XXXX is reporting ( XX/XX/XXXX. ) as of the date the account was opened. However TransUnion is reporting ( XX/XX/XXXX. ) as of the date the account was opened. Who did you get these dates from? These dates are inconsistent. Don't you get your information from the same company? 4. Additionally, this is a closed account will activity still reporting on it as of XX/XX/XXXX And I understand that any one inaccuracy reporting on my account makes the entire account invaild and must be deleted. I take this matter very seriously. Because of your apparent neglect in ensuring that everything on my credit report is 100 % accurate, complete and timely. Update to account to paid as agreed/never late. 

XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX TX, XXXX DOB:XX/XX/XXXX SSN # :XXXX
Product: Mortgage

For years, XXXX/XXXX/XXXX, we have instructed DITECK not to pay AAA FLOOD Insurance, which we are not required to maintain anymore, See # 1. Diteck finally sent us a confirmation letter dated XXXX/XXXX/XXXX, about our loan not longer requiring flood insurance, See # XXXX & XXXX. YET, THEY, AGAIN, PAID XXXX {$670.00} on XXXX/XXXX/XXXX, see # XXXX. We have also contacted XXXX for the last 3 years. Our last call on XXXX/XXXX/XXXX to XXXX Representative " XXXX XXXX '' informed us that their records showed we had called and requested a " Voluntary '' policy we did not need. XXXX is maliciously and illegally renewing our policy against our will and Diteck is being negligent when paying XXXX after been notified and documented of the problem. PLEASE HELP.
Product: Checking or savings account

Wells Fargo incorrectly charged me overdraft fees and then said per customer service I was no eligible for the pay out even tho I know I am. I am being scammed out of my own right to a part of this settlement payout
Product: Checking or savings account

The issue is that for many times that there was a transaction that was cancelled or a stop payment that the transaction that had occured would be deleted and the money associated with that transaction would not reflect back to my available balance, like it never occured. And this has happened many times and I have called about it but they always try to explain it away like I don't know how transactions work. I just wish I could get my money back because I struggle alot and it is very hard on me. It is causing XXXXXXXX XXXX XXXX XXXX because of the amount of struggling associated with them not replacing my money.
Product: Debt collection

To be clear under the FDCPA, as a consumer I have a right to privacy in which youve intentionally continuously infringed upon without my content. After being put on numerous notices that I refused to pay this alleged debt and to cease communication regarding this alleged debt with all persons included consumer reporting agencies. In which I never gave neither company the authorization to share my nonpublic personal information without my consent. You are required under federal law to comply with my cease-and-desist order and to only advise me that your further efforts are being terminated but instead youve continue to ruin my reputation and provide unvalidated documents for which I did not request! Im demanding you to stop harassing me, by ruining my reputation over this alleged debt in which I dont not validate and refuse to pay which is my consumer right under federal law. No judgement has been provided in reference to this alleged debt nor do I personally have a contractual obligation with you. Therefore, under federal law for your failures to comply with numerous of provisions under the Act, you subject to any actual damage sustained as a result of such failure. Our correspondences are evidence that these violations were intentional and did not result from a bona fide error.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act " XXXX XXXX XXXX XXXX. '' acct # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts don't belong to me. Please remove them from all XXXX credit reporting agencies. 
Please see below the list of accounts that are reporting derogatory on all credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft Account XXXX : XXXX This is not mine. 

4. Identity Theft Account XXXX : XXXX This is not mine. 

5. Identity Theft CREDIT ACCEPTANCE CORP Account Number : XXXX This is not mine.
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, 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 reporting or other personal consumer reports

XXXX XXXX has provided in accurate information on my credit report and which should be removed. on the month of XX/XX/year> Theres no information process on the on my report which makes this report an accurate and needs to be removed report.
Product: Credit card or prepaid card

The 6 month 0 % financing transaction of {$210.00} appears on the XX/XX/XXXX Best Buy statement same day XX/XX/XXXX of which the XXXX router was returned to Best Buy, XXXX, Ohio. There is a transaction where the credit pf {$210.00} was applied, and there is also an transaction where a 6 month 0 % financing charge for {$210.00} as created with a promotion date of XX/XX/XXXX. 

The initial charge of {$210.00} resulted in a balance of {$2.00} being left over after the {$210.00} for the XXXX router was returned. 

On XX/XX/XXXX, I made an online payment of {$990.00}. I called back on XX/XX/XXXX to speak with a customer service representative to discuss how I wanted the {$990.00} allocated on my Best Buy credit card account. Per the phone the breakdown of the {$990.00} went as follows : 1. Paid {$60.00} to minimum payment. Balance {$930.00} 2. Paid {$210.00}. XXXX for the 6 month 0 % financing for the returned item. 
3. There was a 6 month 0 % financing for {$770.00} from XX/XX/XXXX.  The {$710.00} have been applied. Leaving a balance due of XXXX. 
4. I made a payment of {$100.00} on XX/XX/XXXX. 
5. On XX/XX/XXXX, a default/adjustment of {$54.00}. 

I initially filed a XXXX complaint against Best Buy, which was later transferred to XXXX as they are the financial holder of the Best Buy credit card. I received a phone all from XXXX XXXX. 

On XX/XX/XXXX, I received an e-mail from the XXXX XXXX XXXX of New York stating XXXX asked for 14 days to reply. I agreed and to date have not received additional information. 

I did receive a letter dated XX/XX/XXXX, as a response to the initial complaint. I'd spoke with XXXX XXXX and to no avail was there an understanding of the credit and the charge of the {$210.00} of which I paid in full for an item I returned. Also, she stated I made a charge of {$190.00} XX/XX/XXXX. That purchase was a regular charge and was not a 6 month 0 % financing. 

Respectfully,