23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have received non-stop harassing calls from this number about debt collection daily, sometime multiple times. This has given me XXXX  with my phone constantly ringing sometimes at the most inconvenient times. Its a burden thats constantly hanging over my head Ive been contacted so much. Every time they call and leave a message I want to cry.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account number XXXX  XXXX XXXX XXXX Account number XXXX have 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: Checking or savings account

I have now furnished Robinhood with pictures of my valid state ID, along with every other document that they requested to verify my identity. I received an email stating that my account will be closed, and is now in remediation and that I will be contacted with information about how and when I can withdraw my funds. 

I have repeatedly tried to get information about why my account was originally restricted and when I will have access to my direct deposited XXXX  payments via email, phone call, and chat, and have been given not one piece of information on why these restrictions were imposed or when I will be given access to my funds again. 

I am a veteran, and I have been completely cut off from my social security XXXX  payments with no reason, timeframe, or recourse whatsoever by Robinhood. I need access to this money immediately.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration concerning the ongoing issues I have been experiencing while trying to remove fraudulent items from my credit file with XXXX, Equifax and XXXX Credit Bureaus. These fraudulent items have been causing significant distress and financial hardship, and despite my multiple attempts, the situation remains unresolved.To my dismay, I had still not received any updates or resolutions. I made another inquiry and was told that my case had been escalated and that I should expect a resolution within a specific timeframe. I contacted XXXX, Equifax and XXXX Credit Bureaus again, only to be told that my case was still under investigation, with no further information provided. 
This cycle has continued without any meaningful progress, despite my providing all necessary documentation and complying with Equifax and XXXX Credit Bureau 's requests. I request the following : Immediate and effective action to remove the fraudulent items from my credit file. Clear communication regarding the status of my case and the steps being taken to rectify the issue. A formal written acknowledgment of the removal of the fraudulent items. Compensation for any financial losses or damages incurred as a result of these fraudulent items. I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXXXXXX XXXX XXXX, I mailed a letter to Equifax, XXXX, and XXXX to update my personal information, removing old and unfamiliar addresses, employer information, and incorrect spellings of my name and to send me an update credit report once completed. Neither reporting agency has followed through with my request which is a violation of 15 USC 1681 ( a ) ( 4 ).
Product: Vehicle loan or lease

ON XX/XX/XXXX I CONTACTED BRIDGECREST CONCERNING MY AUTO LOAN. I ADVISED DUE TO MEDICAL HARDSHIP I WAS NOT ABLE TO MAKE THE PAYMENTS DUE XX/XX/XXXX AND XX/XX/XXXX. I REQUESTED AN EXTENSION/DEFERMENT OF THOSE PAYMENTS TO THE END OF THE LOAN. I WAS ADVISED I WOULD ACCRUE INTEREST AND IT WOULD ADD ON TO THE END OF THE LOAN BALANCE, HOWEVER I AGREED AND THE REQUEST WAS SUBMITTED ( OR SO THEY SAY ) .AFTER THE WAITING PERIOD I WAS DECLINED AND WHEN ASKED FOR A LETTER STATING THE DECLINE REASONS I WAS ADVISED I COULD NOT HAVE ONE. I ASKED THE REASON FOR THE DECLINE AND I ADVISE I COULD NOT HAVE ONE OTHER THAN BACK END LEADERSHIP REVIEWED THE REQUEST AND DECIDED IT WOULD NOT GO FORWARD. I HAVE ESCALATED THIS MATTER FURTHER UP THE CHAIN ASKING FOR A LETTER WITH DENIAL REASONS AND WAS DECLINED. WHEN I ASKED BRIDGECREST WHAT THE DENIAL CRITERIA WAS, THE REP MADE IT SOUND LIKE THE BACK END LEADERSHIP COULD SIMPLY DECLINE BECAUSE THEY FELT LIKE IT ( NO LEGAL CRITERIA FOR A DECLINE ). THE ONLY WAY THEY WOULD CONSIDER THE OPTION TO DO THIS, IS IF THERE WAS A XXXX DOLLAR PAYMENT DONE ON THE ACCOUNT. WHEN ASKED IF THIS WAS A PAYMENT TO ENSURE THE DEFERMENT I WAS MET WITH A NO. AFTER ALREADY ADVISING THE COMPANY THAT I COULD NOT DO THE PAYMENT SEVERAL TIMES I WAS GIVEN VAGUE ANSWERS AS TO WHAT CRITERIA NEEDS TO BE MET TO HAVE A DEFERMENT/EXTENSION DONE AND THEN ADVISED THAT THE XXXX DOLLAR PAYMENT WOULD NOT GUARANTEE THE REQUEST WOULD BE APPROVED. BRIDGECREST IS CHARGING ME XXXX DOLLARS TO BE ABLE TO HAVE MY REQEUST EVEN CONSIDERED AND I AM STILL BEING TOLD IT WILL NOT BE A GUARANTEE. I HAVE RECEIVED DIFFERENT INFORMATION FROM VARIOUS REPRESENTATIVES. WHEN ASKED FOR SPECIFIC REASON AS TO WHY MY ACCOUNT WAS NOT ELIGIBLE I WAS TOLD I WAS NOT PRIVY TO THE POLICY AND PROCDURES OF THE COMPANY. WHEN I ASKED THE REPRESENTATIVE WHAT CRITERIA WOULD I NEED TO MEET TO BE ELIGIBLE ( IE : NUMBER OF MONTHS, DAYS PAST DUE AND SO ON ) I WAS TOLD I WAS NOT ALLOWED TO HAVE THAT INFO AND THAT EVERY ACCOUNT IS DIFFERENT. THE INFORMATION PROVIDED SOUNDED A LOT LIKE DISPARATE IMPACT TO ME. THE ACT OF THE DEFERRAL BEING SUBMITTED SEEMS TO BE A WAY TO COVER THE UNETHICAL PRACTICES OF THIS COMPANY AND CHECK OF A BOX SO THEY DONT GET SUED. THIS SOUNDS LIKE A BORDERLINE REG Z ISSUE AS I WAS NOT EVEN GOING TO BE TOLD ABOUT THE DECLINE UNLESS I WOULD HAVE CALLED IN.
Product: Checking or savings account

Chase bank closed my account without letting me know and i need my money out of it can you help me unlock my account
Product: Credit reporting or other personal consumer reports

This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the XXXX timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''
Product: Debt collection

The first collection account was as a result of the billing policy at XXXX XXXX XXXX. Each visit to a different practitioner was billed to a different account. XXXX of the accounts was overlooked by me and I was not notified of this debt being sent to collection. I believe the error was the result of their improper billing system and lack of notification and I do not believe it should be my responsibility. 
The XXXX account was incurred as the result of an emergency visit to the hospital. I received a substantial bill and had no health insurance. I applied to the hospital and received relief for the entire bill. Upon receiving the XXXX XXXX XXXX, I sent a copy of the Hospital forgiveness letter in the hope of receiving consideration for my financial hardship. Without notification the bill was submitted for collection. Due to extenuating circumstances I am unable to pay these bills and they are having a negative affect on my credit rating. I wish to have assistance in resolving these matters as soon as possible. I have not received notification about these accounts in many years and feel it was the responsibility of the Collection Agency to keep me apprised of the accounts in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently just started reviewing my credit report and found a lot of false and unverifiable information on my report. So a month ago I send a dispute to XXXX, XXXX  and Experian. I sent the letter on XX/XX/2021 and still haven't seen any response about my disputes, they're a lot of law being broken her according to the FCRA and the recently passed pandemic CARES Act.. 

Please make these bureaus follow the LAW, not right to be taking advantage of as a consumer. I need this problem fixed ASAP I will not wait another XXXX days to receive no response because the FCRA clearly states it is LAW to have resolution within a XXXX day period. I demand these accounts be deleted immediately or will file for litigation due to the financial damage you caused me. Section 611 ( a ), it plainly stated that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly.
Product: Debt collection

I pulled my credit reports today, XX/XX/XXXX, and noticed fraudulent activity. There should be no accounts, only my student loans. Earlier, I called the account creditors to let them know these are fraudulent accounts. The accounts are listed below. 

- XXXX XXXX in the amount of {$3700.00} was opened on XX/XX/XXXX. 
-XXXX XXXXXXXX XXXX was opened on XX/XX/XXXX. 
XXXX XXXXXXXX XXXX  for {$610.00} date opened is unknown. 
XXXX XXXX for {$4800.00} dated opened XX/XX/XXXX XXXX XXXX XXXX of {$1400.00} date opened unknown. 

I did not open these accounts.
Product: Checking or savings account

About 2 years ago my First Horizon account was hacked and the person dropped a fake check into my account, i dont remember the amount but it was over {$1000.00}. After they dropped the fake check into my account my account was locked and i never talked to any one about it.
Product: Credit reporting or other personal consumer reports

This is really concerning as there's an inquiry on my credit report that I don't recognize nor have applied to/engaged with, I did not authorize this nor given consent to the company to pull up my credit report. It is stressing me and making me anxious on why and how this happened.
Product: Debt collection

Your organization has claimed that I owe a debt to your company, but I am unable to recall any outstanding payments or dues that I might owe to your organization. As per the Fair Debt Collection Practices Act, I request you to validate the debt and provide the required information to me before I proceed with any further payments. I will pay the amount under one condition if you can provide the following details : 1. Validation of the debt that is, the actual accounting. 2. the validation of a signed invoice 3. a copy of the contract binding both parties, myself, and your company, in a letter by certified mail so that there is an independent witness to it having been delivered. The accounts in question are as follows : XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00}, XXXX XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00}, XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00}, XXXX, XXXX. XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00}, and XXXXXXXX XXXX XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00}. I have already contacted other bureaus, and they have removed these accounts from their records after finding an error in the records. I am perplexed as to why your organization has verified them even though the other bureaus have removed them. I request you to delete these accounts from my file as they are inaccurate, erroneous, incomplete, or unverifiable. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).
Product: Debt collection

On XX/XX/2019 I received notifications from XXXX, XXXX XXXX and XXXX. I contacted the contacted XXXX XXXXXXXX XXXX XXXX XXXX. I explained to them that I have no Knowledge of this debt be owed. They told me also they did not have my address???? I gave them you address and the youn lady said she was going to try to resolve this. I told her I have no documentation of this and she named my bank and said I had paid $ XXXX years ago. She also said she was going to send me documents regarding the debt. They are in clear violation of the of the fair credit collection act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of the XX/XX/XXXX-XX/XX/XXXX XXXX Equifax hack, according to their online tool : https : //www.equifaxsecurity2017.com/XXXX
Product: Debt collection

This company is constantly calling me leaving detailed messages about someone else ( which is illegal, they are leaving someone elses name and information on my voicemail I have proof of this ). The person leaving the message is stating that Im related to the person they are calling for, and that they need to speak to me. These people need to get their records straight. I am not in anyway attached to this person and this company needs to stop calling me, theyve called me several days for months, several times a day Ive asked you before not to be called and they keep calling, this is illegal and this has nothing to do with me. I do not know this person that they are calling for. The next step will be a lawsuit they need to take my number off of their records and stop calling me.
Product: Credit card

In XXXX of 2015 i contacted XXXX ( XXXX ) XXXX regarding a credit card i try to see if we can settle but they started to engage in unfair and deceptive collection practices and started to violate the Fair Debt Collections Practices Act and Unfair And Deceptive Acts And Practices ( UDAP ). At that point i had terminate the call the debt collector i was trying to settle with wanted me to secure the payment right there on phone and i stated i did n't want to until the day the funds where available and indicated that i did n't have a card and wanted to mail it in. Once the debt collector realized i was n't going to secure the payment right then she stated that settlement was no longer an option and i could n't mail in the settlement then i became no longer eligible for a settlement at that point she started to violate FDCPA and UDAP for unfair business practices. I also told them numerous amount of times to stop calling the telephone they had on a recorded line they kept continuing to call the cell phone number multiple times and multiple times a day, throughout the course of several months. At this point i am filing a complaint and going to explore further options.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that 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 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 ( learned through more research both parties require ). Please remove these files. 
Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have not recived my free credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is 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 remove these files. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} ; XXXX  XXXX Balance : {$200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX  XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : 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 XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is 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: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : XXXX XXXX VA real estate mortgage with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
The current payment status of 60 Delinq is incorrect because the balance due on this account is {$0.00}. 
Public Record from a XXXX XXXX Bankruptcy on 07/10/2017.

I dont recognize this public record. Please provide proof from the court of this public record. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX XXXX XXXXXXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX XXXX XXXX  on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Debt collection

XX/XX/ I decided to look at my credit report and noticed an account I have never been a consumer of : LVNV Funding LLC {$1400.00} LVNV Funding LLC {$1200.00} I am requesting valadation, made pursuant to the Fair Debt Collection Practices Act. Please note that i am requesting " valadation '', that is competent evidence bearing my signature, showing that i have ( or ever had ) some contractual obligation to pay you. Please be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC1962e ] ; therefore, if you can not validate the debt, you must request all reporting agencies delete the entry LVNV FUNDING DOES NOT HAVE A LICENSE TO COLLECT IN MY RESIDING STATE, TEXAS
Product: Credit reporting

I would like to speak with anyone who can explain the reason for the time frame set for reporting credit history. It I were to commit XXXX I would not go to jail for 7 to 10 years. We had a financial and medical difficulty between XX/XX/XXXX and XX/XX/XXXX which caused serious problems with our credit. We are in our XXXX now and we will be nearly XXXX years old by the the time these credit issues fall off of our report. Who decided the time frames for reporting this on the credit reports? Our credit was excellent for over 40 years and then we are " tainted '' for many years after " falling from grace '' due to circumstances beyond our control. We were told to get rid of as many credit cards and other open credit to make our report better. 
this resulted in erasing 30 years of excellent credit. We, the consumers, are at a loss as to controlling our own lives when the credit reporting agencies are reporting our every hiccup to home and auto insurance companies, employment possibilities. We do believe that poor credit needs to be reported but certainly not for 7 years or more. This is at least tyranny if not completely unfair. We have no recourse. Credit bureaus rule our lives everyday. I would like to ask if there is someone I could contact to have this chan type of power changed for me and all Americans. 
thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT ACCOUNT UNDER AN END CONSUMER CREDIT PLAN LATE FOR ANY PURPOSE.