23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX, Monday to Friday XXXX XXXX This is the company that emailed me in XX/XX/XXXX about a debt that I supposedly owed to telecheck services they said that the debt was given to them by the previous a collection agency but the debt was only {$10.00}. I called and asked them to explain and they said it was from the XXXX XXXX XXXX on XX/XX/XXXX which isnt true at all I then went on to ask how did they get my information and he ignored me and started asking me if I would like to pay it today and that he was ready for my credit card information so I then hung up the phone. This is the email context I received, XXXX XXXX XXXX is a debt collector. We are trying to collect a debt that you owe to XXXX XXXX XXXX XXXX, which was previously being collected by Professional Bureau of Collections of Maryland , Inc. We will use any information you give us to help collect the debt. 
And they had my full name and address as well I just dont want anything that has to do with collections on my credit report.
Product: Credit reporting or other personal consumer reports

My credit report shows billing errors with late payments that don't align with my history. Please fix them and update my account.
Product: Debt collection

I have received Continuous phone calls from TSI ( Transworld Systems Inc ) XXXX and very threatening tone. XXXX XXXX said they would not turn over to a collections or put on my credit report until my hospital financial application has been finalized. It is still being under review but yet XXXX still put it on my credit report and having TSI call me everyday with a threating tone and words
Product: Debt collection

Please see CFPB complaint number XXXX that was just filed on XXXX XXXX 2017. That complaint only covered 2 of the entities involved in this debt collection complaint. Please use the material and information provided in that complaint file # XXXX in conjunction with this filing as they are one in the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I notice an unauthorized inquiry on my consumer report from ( AMERICREDIT XXXX ) company. I requested that they send me the written " Permissible Purposes '' document with my signature on it, but I receive no response or explanation. I also sent certified documents ( tracking # XXXX ) which were returned and unable to be delivered. I suffered injury to my consumer report and score. 15 USC 1681b " Permissible Purposes '' must be given by the consumer and no other.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies to investigate the accuracy of disputed information and take steps to ensure consumers credit reports are accurate. FCRA, constantly forward data often fails to adequately communicate the full scope of the FCRA which requires consumer agencies to investigate the accuracy of disputed information and takes steps to ensure consumers ' credit reports are accurate. FCRA violated the laws by using ineffective systems and flawed processes, and excessively deferring to furnishers to address disputes. FCRA, flawed on dispute practices and software coding, along with other failures, has caused false or incomplete information to remain on thousands of consumer reports that Equifax furnished to third parties. The FCRA reported my credit and failed to inadequately communicate the full scope of the problem. I would like for the following account be removed immediately from my report. Accounts : XXXX XXXX XXXX account # XXXX
Product: Checking or savings account

I have an account. I withdrew my money from the account. I have repeated asked that chase close the account. Chase makes me go though my personal banker, XXXX XXXX XXXX | Chase | Relationship Banker | NMLS ID XXXX | XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX | XXXX : XXXX | T : XXXX. Dispite requests he has not closed the account. Now, I have been charged a {$25.00} service fee and since there is no money in the account they are also trying to charge me overdraft fees.
Product: Checking or savings account

I open a checking and saving account due to there is {$400.00} bonus when I deposit XXXX for 3 month on XX/XX/2018 After 3 month I receive a system email confirming I met the requirement and should be able to see the money within One month. 
However when I check my bank account after 33 days, my checking account has been closed without my permission.Of course there is no bonus.
Product: Checking or savings account

Good afternoon Fifth Third bank, I tried to reach someone at the callcenter today ( first time I call ), but was impossible to reach a representative, the system requested many times my SSN ( I don't have ) and I couldn't find an option to bypass that information request. 

The reason for the call and this letter is to request to open a merchant dispute agains these transactions : XX/XX/XXXX {$86000.00} Twice XX/XX/XXXX {$86000.00} Twice I need to dispute XXXX transactions in total for the merchant XXXX XXXX, I bought XXXX XXXX XXXX XXXX in person at that store, they sent the items by XXXX and I received on XX/XX/XXXX, it took XXXX weeks. 
On XX/XX/XXXX I decided to return the products because were no longer needed so I went in person to the store to return it. They gave a full refund policy of 30 days after delivery date, so the return was accepted and they issued a full refund receipt on the same day. The store takes up to XXXX  days to process the credit back to the account, but they didn't, so I called them on XX/XX/XXXX but they didn't provide any solution for the pending credit. 

Please open the merchant dispute for credit not processed, Thanks
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. 

DEPTEDXXXX XXXX # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX # XXXX*has violated my rights .

They are reporting a lot of inaccuracies and I am fed up! BY LAW this is wrong.

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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : - XXXX  XXXX XXXX XXXX. XXXX : {$5600.00} XXXX XXXX  XXXX .... XXXX  : {$2400.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX .... XXXX  : {$6400.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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
Product: Mortgage

This is the second complaint being filed for this account. We submitted a loan modification and it was denied due to income as the lender in this case used income from 2 years of tax returns and not from the bank statements and profit and loss that was sent to them. After my dispute I was told they are allowed to calculate the income this way and my case with the lender was closed with no resolution. I was told to resubmit the file in which I did giving them 9 months worth of a profit and loss proving the income the client has exist and it is year round. We are now being told they will not review the most recent income and the loan does not qualify for a modification due to it being 3 years or more delinquent.
Product: Credit reporting

Experian continues to place security alerts on my credit report. I did not request these alerts to be added to my Experian credit file. I have requested Experian to remove these alerts on XXXX occasions but the security alert still remains. I have attached a copy of my identification to this complaint. I would appreciate your assistance in helping me to get this alert removed from my Experian report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I installed app subscription to improve my credit score. After couple days I called and cancel my subscription but they still charging my card.
Product: Vehicle loan or lease

I brought my last 2 cars from XXXX XXXX in XXXX N.J. I would iof continued buying cars from XXXX but I recently discovered they paid the payoff on my last trade so late it plummeted my credit score. I called and the staff assured me the payoff was sent. The finance people at XXXX lied and blamed it on the holidays and said they personally had sent it out. I traded my car XX/XX/XXXX. They made the payoff almost XX/XX/XXXX I started receiving calls at my job mid XX/XX/XXXX after returning from vacation that my payment was late for a car I didnt own I called them and was told the owner would clear it up with the bank which they never did. I never even got a call back from them I went from over a 800 credit score down to very low XXXX as a result I have worked so hard to preserve and maintain my credit all my adult life to have this happen This is impacting my purchasing power as I am on the market for a new home and a vehicle for my son I plan to file a complaint against them with the XXXX  Bad business practices
Product: Credit reporting, credit repair services, or other personal consumer reports

Through the 2017 security breach, some amount of my personal information was released without my consent. Because equifax has all my credit-related information, this is valuable information to identify thieves. Use of this information by thieves would be a significant financial burden and inconvenience that could lead to lost time, money, and credit standing. 

I believe equifax took too long in informing the public of the breach which increases the likelihood of the stolen information spreading to thieves.
Product: Money transfer, virtual currency, or money service

Hello, Here is what happened to me. On XX/XX/2020 Paypal closed my account and will not release my funds. They have been holding my money ever since. My balance is {$310.00} I have called emailed many times and never get a answer why they won`t release my money. I have spent many hours on hold or waiting for a call back that never happens. I can`t believe that a company like Paypal can get away with stealing people`s money. I was a customer of Paypal for many years. I had know idea Paypal could hold peoples cash anytime they feel like it.
Product: Debt collection

company called XXXX  XXXX had hacked my bacnking account try withdrawing 3 seperate amounts {$25.00} on XX/XX/23, {$600.00} on XX/XX/23 and {$100.00} on XX/XX/23. I noticed transactions were not mine and put in dispute with my bank. Then i try calling the company but they are out of XXXX. Finally get notice from collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX I never did this think its wrong these people are trying damage my credit.I have great credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX, I opened up a line of credit with formally known as XXXX XXXX but now XXXX XXXXXXXX XXXX for XXXX. XX/XX/XXXX, I refinanced my home with XXXX XXXX XXXX and paid off the line of credit and was closed. See attached closing disclosure from XXXX. XXXX XXXXXXXX XXXX has been informed to remove the false information off of my credit reporting. I sent a certified letter to the XXXX major Credit bureaus requesting " Validation '' that is competent evidence bearing my signature, showing that I had another contractual obligation with a loan in the amount of {$9200.00} and/or {$10000.00}. That I have or ever had some contractual obligation to pay XXXX XXXX. Please also be aware of any and all negative marks found on my credit reports ( including XXXX and XXXX  ) dealing with XXXX XXXXXXXX XXXX for debt that I don't owe, is a direct violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you MUST request that all credit reporting agencies delete the entry. XXXX XXXXXXXX XXXX is being reported on my credit reports as an open account that is more than 4years late not 180days late that would require by law to go into the collection status and/or charged off. I have all records of my communications and all documentations that my account was closed with XXXX XXXX now known as XXXX XXXX XXXX. I have never opened another account with XXXXXXXX XXXX  and never with XXXX XXXX XXXX I have attached a copy of the false reporting from XXXX XXXX XXXXk on my credit reporting, My closing disclosure from XXXX and the letter from XXXX XXXX XXXX XXXX XXXX with simply a denial of dispute, not showing or proving any validation of the debt bearing my signature. The open date, history, highest balance, term, payment status, account status, days late on the credit reporting all are false and incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time I apply for a low to fair credit score credit card, I get denied. The last card that I applied to, they said that there was suspicion of some sort of fraud. Would you be able to look into that please?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX # XXXX XXXX XXXXXXXX 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 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

Please be advised that as of XX/XX/2022, as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX  XXXX - {$4300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$840.00} I want to be explicitly clear with my request. I am not requesting validation of this debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past several months I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 
Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the above-mentioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.
Product: Debt collection

I downloaded a credit app to look at my credit and this credit card was on there that I dont know about.
Product: Mortgage

SPS foreclosed on my home with a tainted assignment while the account was coded dispute. I called twice and both times the SPS representatives told me the sale would not take place. I learned today that my home foreclose and sold back to the lender. This was definitely a promise estoppel on SPS
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811i ( 5 ) these accounts are in violation of not reporting 100 % accurate information.

The credit reporting acencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under USC 1681i ( 7 ) Method of verification - description of investigation procedure RESOLUTION As a consumer. by law my credit report must be made 100 % accurate immediately by the credit reporting agencies updating informations and deleting and accounts In Accordance with the fair credit reporting credit reporting agencies and and the accounts listed have violated my rights. The reporting companies are also not showing the full account number for each associated account.

15 U.S.C 1681 Section 602H states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions There is also a HIPA violation breach, there are medical collections on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

As per Fair Credit Reporting Act, I am entitled to see the source of the information, which is the original contract that contains my signature and proof of validated debt claims with proof that gold and or silver had been extended and or lent as per United States of America Constitution Article I Section X for the Fair Credit Reporting Act does not limit constitutional provisions. Ignorance of the law is no excuse from the law. 
Collection/Charge-off accounts need to be removed immediately because there are late payments after the account was close. 
Collection is closed ended account have late payments. This account iis in collection meaning that there shouldn't be reporting open, no limit, no past due and no payment status. 
XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX
Product: Debt collection

Between the years XXXX to present, A XXXX XXXX account was posted on my credit reports for the amount of {$2600.00}. I started a review of my credit reports around XX/XX/XXXX and noticed the account on my credit reports and requested a dispute because this was in fact not my account. 

On XX/XX/XXXX I was served with a summons in regard to this XXXX account by Jefferson Capital Systems and the attorney on file ; XXXX XXXX. The summons states that I am the assignee and owner of this account. 

I have determined that this account is a result of someone using my personal information fraudulently from XXXX, MI and opening this XXXX account illegally. This account has been reported on my credit reports for over 3-4 years and should have never been attached to my personal information. 

The facts that this is not my account are : 1. I have never opened a XXXX Account in any State or the State of Michigan ; city or county, etc. 

2. I have never lived, rented or owned any property that would require me to open a XXXX account. 

3. I have never given anyone permission or consent to use my personal information and social security number to open a XXXX account as stated. 

4. I have never lived in the city of XXXX, MI and never resided at XXXX XXXX XXXX XXXX, MI as listed on the XXXX account billBetween the years XXXX to present, A XXXX XXXX account was posted on my credit reports for the amount of {$2600.00}. I started a review of my credit reports around XX/XX/XXXX and noticed the account on my credit reports and requested a dispute because this was in fact not my account.
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 /account number XXXX XXXX XXXX XXXXXXXX number - XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX  / account : XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account : XXXX XXXX / account XXXX XXXX XXXX XXXX XXXX XXXX  account : XXXXXXXX XXXX. Account : XXXXXXXX XXXX XXXX XXXX / account : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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

I have asked for the investigation with inaccurate information on my report with the CRA 's and creditor XXXX XXXX XXXX. I kept getting ignored. I feel that my investigate was not conducted with reasons according to the FCRA. I do not think that my evidence was look at. I'm asking my evidence and my investigation be looked at. Also, provide how the investigation was performed. I have attached 3 reports from XXXX, XXXX, and Transunion. All show different account number, payment history, and status dates. Should it be that the furnisher report to all CRA 's one accurate and complete report. 

XXXX XXXX Account number : XXXX XX/XX/2021 2021