23daVinci/CFPB_Complaints huggingface dataset:
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 XXXXXXXX XXXX have two fraudulent accounts reporting to my consumer report. Im placing my police report for the 3 consumer reporting companies to block this account at once I wasted to much time trying to have this frozen that account removed from my consumer report. 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

On XX/XX/year> an automatic transfer was made of which I am supposed to receive XXXX reward points but it has not been credited. This is an ongoing issue.
Product: Debt collection

Subject : Cease and Desist Communication and Unlawful Use of Personal Information Dear January Technologies Inc, I am writing to express my deep concern and dissatisfaction regarding your persistent and unlawful attempts to collect a debt account login XXXX that has been legally canceled through a 1099-C form. Your repeated contact, despite the cancellation and lack of obligation on my part to pay, constitutes a clear violation of my rights under both federal and state laws. 

Your collection efforts have extended beyond acceptable practices, involving the illegal collection of my nonpublic personal information with my consent. This is a direct breach of trust and a violation of my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the South Carolina Consumer Protection Code, SC XXXX XXXX. XXXX. 

I demand that you cease and desist all communication with me immediately, as I explicitly do not authorize any further contact or use of my personal information for debt collection purposes. Furthermore, I insist that you comply with the following legal requirements : 1. **Fair Debt Collection Practices Act ( FDCPA ) : ** Cease all communication and collection activities, as the debt in question has been legally canceled, and your continued efforts violate the FDCPA. 

2. XXXXSouth Carolina Consumer Protection Code ( SC XXXX XXXX XXXX XXXX ) : ** Your actions are in direct violation of this code, which prohibits deceptive or unconscionable collection practices. 

3. **Illegal Use of Personal Information : ** The unauthorized collection and use of my nonpublic personal information violate federal and state privacy laws, including to the Gramm-Leach-Bliley Act ( GLBA ) and the South Carolina Data Breach Notification Act . 

I request that you provide a comprehensive explanation of how you acquired my nonpublic personal information. Failure to comply with this request and the cease and desist directive within 15 days from the receipt of this letter will leave me with no option but to pursue legal remedies available under the FDCPA and other applicable laws. 

Your prompt attention to this matter is expected, and I anticipate your full compliance with the law. A copy of this letter will be sent to my states attorney generals office and FTC report will be filled as well to ensure your compliance.
Product: Vehicle loan or lease

I have a loan from XXXX XXXX Bank, now Community Bank in NY. It's for a usedXX/XX/XXXX. I want to pay it off. I have 23 payments left. XXXX is the monthly payment. The bank is telling me the payoff is XXXX as of XX/XX/17. That is a total of the monthly payments. I have called 3 times requesting the principal balance and I keep getting told the XXXX is what I owe to pay off the loan. I thought maybe they already got all of their interest in the way the payment was setup. That is not the case. Their website and the 3 people that I have talked to tell me the same thing. There is nowhere on the site to pay the principal. I'm being forced to pay interest on a loan I can payoff now. I know if I just make a large payment, it will be applied as if I'm just paid ahead. Not reducing the principal balance whereby reducing the amount of interest.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX  % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? 
I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Collections accounts that dont belong to me I have dispute and havent been removed, accounts that was fraudulent open that dont belong to me and companies refusing to remove such accounts and not providing sufficient information to me about this accounts or providing where these accounts was properly opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously, I made an investigation about these accounts with incorrect information and after checking your responses, I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I am writing to complaint about XXXX Hospitals XXXX and Progressive Management Systems based in XXXX XXXX. BACKGROUND : In XXXX XXXX, I was on a family holiday in XXXX, CA when my youngest daughter who at that time had recently finished XXXX treatment fell ill, as parents we were fearful that her XXXX may have relapsed and rushed her to XXXX emergency in XXXX. Whilst at the hospital in the emergency we were approached by a representative from the finance department asking us about our insurance details. We have a $ XXXX travel insurance from XXXX XXXX XXXX, we provided all our travel insurance details but she was did not want to get in touch with them and repeatedly asked us to contact them directly whilst my and my wife both were under duress. Upon arriving back in the XXXX, I put XXXX and our insurance provider XXXX in touch directly and a claim was opened under reference XXXX. The claim was taking longer than usual as XXXX did not provide an itemised bill and I kept XXXX up to date with the progress of the claim. LACK OF COMMUNICATION : XXXX passed the account to a collection agency whilst XXXX was dealing with the claim. I contacted Progressive Management Systems ( collections agency ) and informed them of that XXXX is waiting for XXXX to provide an itemised bill. I was promised that our account was put on hold whilst XXXX was dealing with XXXX. UNFAIR REPORTING : Today, I received an email from our bank declining an account because PMS have put a derogatory marker for non-payment of the bill of {$2400.00}. I have recently moved from XXXX to launched a new XXXX in the US with the aim of creating employment and this unfair negative marker on my credit file is making life very difficult for my young family. I have today made the payment to Progressive Management Systems in full. This situation could have been resolved if XXXX had communicated with me, all XXXX had to do was communicate with me that they can not wait for XXXX and I should pay the bill. I have had a terrible experience with the US Medical system and credit reporting tactics employed by health care providers and debt collection agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And disputed these accounts with them. I asked him to verify the accounts. By way of providing me with some type of documentation, bearing my signature as proof that I am responsible for these accounts. And they have failed to do so, therefore making these accounts on verifiable and inaccurate, which to my knowledge is a violation of my rights according to the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inaccurate account furnishing on my credit report. It is canceled debt, the company in question had filed on their taxes. But they are also reporting on my credit report as debt. This company was also suppose to send me a 1099C form to file ordinary income. Now this is a VIOLATION of 15 USC 1681eb. Maximum possible accuracy of the information on my report. It MUST BE DELETED IMMEDIATELY! The account is XXXX i want this account removed IMMEDIATELY. It is vital to my well being and my livelihood that my credit report is correct. 

Unauthorized items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate addresses reported never lived here XXXX XXXX XXXX village XXXX NC XXXX Balancing XXXX XXXXt XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX Al XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Card # XXXX XXXX XXXX XXXX Card # XXXX XXXX XXXX XXXX # XXXX The information listed has no relation to me I have not entered any agreement with any agency listed. Nor am I connected with theses inaccurate addresses.
Product: Credit card or prepaid card

I bought an upgraded airline meal, on XXXX XXXX. The meal did not resemble anything like what the airline had advertised. It was advertised as a luxury meal and looked like pig slop. So I never received what I bought. XXXX has so far not given refund, and Chase credit cards refuses to resolve, claiming I received what I paid for, because they appear to not even look at pictures sent in.
Product: Checking or savings account

chase bank closed my account with no explanation to me even though i asked for a reason when i went to get my money out of my account they would not give me my money because they restricted my account that is my money i work hard for my money i will not except a check i want cash in hand this has put me in a bind as i have no cash for food gas or even money for food for me or my daughter!!! i need my money i will take this to court if i need to i do not work for free and withholding a persons money is illegal i want this resolved by today and i want my cash chase bank will not be getting anymore money out of me at all!
Product: Money transfer, virtual currency, or money service

On XXXX XXXX 2017 at XXXX Eastern I cashed out my bitcoin wallet from Coinbase.com. I received confirmation XXXX. It has been 13 days and I still have not had the money deposited into my bank account. Additionally, I have sent them two messages following up on this and have not gotten any response. This company seems to be scamming me and the least they could do is respond and let me know where my money is. It only took 1 day for them to get my money, it should n't take this long to give it back.
Product: Credit card or prepaid card

I had contacted Uplift last week on XX/XX/2020 in regards to my loan. I explained to the girl on the phone that my cruise had been canceled due to COVID-19 and they would be giving a full refund. I had asked since my payment was due on XX/XX/2020, is there a way to stop the payments or push back the payment until the refund is given. She told me the best she could do is push the payment out until XX/XX/2020. At that time, call in to make sure the refund was received and that you no longer need to make payments. I thanked the girl for her time and thought everything was fixed. 

Today, on XX/XX/2020, I was charged my loan payment amount. I called the Uplift to inquire about this charge and asked that it be stopped. I spoke to a customer service representative by the name of XXXX at XXXX who was questioning me and acting as if I had never called in. She told me there was nothing she could do but escalate it to her supervisor. I have not heard back from a supervisor or anyone at the company regarding this.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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
Product: Vehicle loan or lease

Pen Fed Credit Union repossessed my car without providing any communication. The employee that I spoke with was under the impression that my vehicle was repossessed in 2017. I received know notification about the car being repossessed prior to it being taken. Pen Fed continues to violate federal and state laws. My federal lawsuit is filed with the courts.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE accounts listed below are fraudulent and are destroying my financial life ... I have submitted all the proper documentation to all 3 bureaus proving that these items are fraud yet the bureaus fail to follow the rules set forth by the FCRA section 605B when it comes to fraudulent accounts ... PLEASE BLOCK AND REMOVE these accounts immediately! 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia [ XXXX ] XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : US DEPT OF EDXXXX # XXXX {$140.00} XXXX XXXX # XXXX {$1200.00} XXXX XXXX XXXX # XXXX {$160.00} XXXX XXXX XXXX # XXXX {$720.00} XXXX XXXX XXXX # XXXX {$1000.00} XXXX XXXX XXXX # XXXX {$1000.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Transunion Fraud Victim Assistance Department XXXX. XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : DPT EDXXXX # XXXX {$0.00} US DEPT ED XXXX XXXX {$0.00} XXXX # XXXX {$1200.00} XXXX XXXX XXXX  XXXX {$160.00} XXXX XXXX XXXX XXXX  # XXXX {$1000.00} XXXX XXXX XXXX XXXX  # XXXX {$1000.00} XXXX XXXX XXXX XXXX # XXXX {$720.00} Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX. XXXX  XXXX XXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : DEPT OF ED/XXXX  # XXXX {$0.00} US DEPARTMENT OF EDU  # XXXX {$0.00} XXXX XXXX # XXXX {$1200.00} COLLECTIONS # XXXX {$120.00} COLLECTIONS # XXXX {$720.00} COLLECTIONS # XXXX {$690.00} COLLECTIONS # XXXX {$130.00} COLLECTIONS # XXXX {$180.00} XXXX XXXX # XXXX {$310.00} Inquiries : XXXX XXXX XXXX  XX/XX/XXXX AUTO CREDIT XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX GA XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXXXXXX XXXX XXXX XXXX Please note that Equifax has the Ally Account showing 60 day late payment XXXX XXXX Then other 60 day late payments for the following months sequentially : XXXX, XXXX, XXXX, and XXXX. This is clearly not possible and and inaccurate information provided by XXXX. Notice they tried to say I owe XXXX more on the original lease amount of XXXX. After I called out these errors Equifax changed the status to closed, paid as agreed then reported it as XXXX percent paid in full with now only 4 30 day late payments. Clearly this account should be deleted due to the constant errors and deceptive tactics used by XXXXXXXX XXXX, and the FCRA laws that prevent Credit Reporting Companies from reporting late payments for the COVID Emergency time period. 
Ally can not be trusted, please delete the account entirely. I never want anything to do with them again. 

XXXX is reporting that XXXX is saying the original balance is XXXX! and that I owe XXXX when I only paid the XXXX as agreed. The math is even wrong. That means they are telling them I paid XXXX to them. This is very false and inaccurate. XXXX also have XXXX 30 day late payments with one in XXXX and now the 4 sequential one are showing up in XXXX instead of XXXX like XXXX reports to Equifax. I am exhausted with these lies and inconsistencies. Please just delete this account. You all have severely hurt my life with this false reporting. 

XXXX XXXX  is truly engaging in abusive practices and you are complicit in violating my rights by continuing to accept their lies and falsely reporting it as verified. Please delete this account immediately they are incapable of being fair and honest in their reporting. They intend to extort me, please stop enabling them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXXXX/XX/XXXX I have submitted various disputes stating identity fraud and my police report. Credit agencies still have not deleted inquiries
Product: Debt collection

When I submitted payment over the phone after settling on an amount ( half of the fee ) they ran my card, however no money came out. I have tried multiple times to receive information on the debt via MAIL and they have not sent anything ( however they claim they have ). When I contact them, some representatives refuse to speak to me without giving them my social, while others know my information before I even have a chance to talk ( via phone number. ) I am very upset and am trying to settle my debt, however I am unsuccessful at doing so. I am even having trouble with the supposed company who controls the debt. The number listed on the website says they do n't actually have the debt, leaving me confused.
Product: Debt collection

I paid the Debt even though it was not owed and they are still reporting this to XXXX. All the other Bureaus have removed this Debt because it was Inaccurate and never owed National Credit Systems XXXX the company contact is : NATIONAL CREDIT SYSTEM XXXX XXXX XXXX XXXX  XXXX  , GAXXXX XXXX XXXX ) XXXX
Product: Debt collection

In XX/XX/XXXX I received a credit report alert that a debt collection was placed on my account from a company called DRS - Debt Recovery Solutions with original account holder of " XXXX XXXX Date of collection was dated XX/XX/XXXX for {$3400.00}. I have never received any correspondence from either of these companies prior to this showing on my credit report. I composed a debt validation letter addressed to the companies address on the credit report requesting validation and documentation showing that this account belonged to me. I also submitted disputes to the two credit agencies they were reporting to which were XXXX and XXXX. I asked for 30 days to get this info to me. The company never responded to my request. I did get an alert that the info was deleted from my credit reports shortly thereafter and I thought it to be settled, however I received another credit alert on XX/XX/XXXX that a collection was reported to XXXX for the same account. This company has failed to respond to my requests and can not validate this debt, however collection efforts continue. I am filing a complaint with XXXX to sort this erroneous reporting which has damaged my credit. 

Info on my report is as follows : Debt Recovery Solutions XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Account # Beginning XXXX and ending in XXXX XXXX XXXX XXXX Phone number : ( XXXX ) XXXX Balance {$3400.00} Balance updated XX/XX/XXXX Original balance {$3400.00} Please assist. I am requesting this erroneous info be removed from my credit report as soon as possible.
Product: Money transfer, virtual currency, or money service

XXXX. I went to business/wellsfargo making a deposit on XXXXXXXX XXXX with a cashiers Check of {$900.00}. The monetary amount was stolen.i requested every bill that if XXXX and XXXX to tb returned and the tell be counted. When they decided to close my account and have disconnect the pin pad.
Product: Mortgage

Specialized Loan Servicing took over a loan which I previously had with XXXX XXXX XXXX. I have tried to get a short sale approval on my property with an offer already in place. I've sent them all the docs requested and have tried to follow up to see the decision or status since early XXXX. Each time I call they claim not to have received the docs. When I give them the dates I emailed them, they search and then say they received them. I called today and they tell me my application was withdrawn even though they acknowledge they have the required docs. Now they tell me they will send a letter advising the underwriter that I still want to get an answer as to the short sale and she advises me I will need to resend all the docs again. I've never dealt with a company so inept. One can never speak to the person that reviews the docs only individuals incorrectly reading an out dated request for docs. 
When asked to speak to a supervisor they advise they will need to call me back and they never do. This process is going to cause me to be foreclosed instead of having a lesser effect of a short sale on my credit. My account # is XXXX.