23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I started writing XXXX XXXX XX/XX/XXXX about this debt listed on my credit reporting asking them to validate the debt they say I owe in the amount of {$4200.00} for a phone bill. They informed me via response that they spoke with my wife. Which i never been married. About this account that am disputing. They sent back a itemized bill which is NOT validating the debt. On XX/XX/XXXX i wrote another letter to them asking them again to validate the debt in the amount of {$4200.00} they sent back another itemized bill on XX/XX/XXXX which is NOT validating that debt. On XX/XX/XXXX, it is notated that they received my letter but still could not produce validation bearing my signature. Per FCRA, I requested a debt validation bearing my signature to prove i owe this debt, they have not been able to send this to me. Per the Federal laws, it is my right to validate any debt from a collection agency. Furthermore, when i searched Illnois laws, this collection agency isn't even bonded or licensed to collect a debt in this state. I request full removal of this debt associated with any of the credit reporting agencies ASAP
Product: Debt collection

I previously disputed this debt with ICS SYSTEMS o n   XXXX   XXXX    2017  via certified letter to the Credit Bureau and ICS SYSTEMS. I received the letters from  XXXX  and  XXXX  that this debt was DELETED! Now  XXXX  which is another collection agency has sent me a letter saying I have 30 days to respond to the same DEBT THAT WAS DELETED!
Product: Payday loan, title loan, or personal loan

I took out a loan for  XXXX  but the finance charges are so ridiculously high that I ca n't sustain the payments. I feel these predatory and illegal practices that are designed to trap consumers in never ending debt.
Product: Debt collection

I have been battling with XXXX and XXXX, XXXX XXXX XXXX for over a year regarding a debt that is not mine. I continue receiving letters from XXXX, XXXX XXXX XXXX regarding same debt although I 've submitted documents to XXXX, XXXX XXXX XXXX proving that I DO NOT OWE said debt. These guys went as far as having my XXXX XXXX account frozen last year and I thought the issue was resolved once I submitted my documents.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

While I was outta town in the hospital someone had broken into my house cuz I wasn't home in almost 2 years I was up there and someone was getting my money from Bank of America I made several complaints and a lot of claims stating that I was in a different state the whole time they were giving someone else my money I sent proof several different times they still denied my claims I still haven't gotten any of my money back and it's almost XXXX Dollars please call me back I'm so upset about this my number is XXXX My email is XXXX Please give me a call asap I been fighting back and forth with the bank of america to this day I still haven't received my money
Product: Debt collection

I received numerous calls and letters, and also checked my credit report. Common Wealth Finacial XXXX XXXX, XXXX P.A. XXXX has been harassing me saying, that I have 2 open accounts first they said it was for my son, then they said it was for me all the sudden. they said it was for emergency room visit, I have FULL COVERAGE INSURANCE, and did not visit the emergency room at all. for the amount ( s ) of {$150.00} and the other for XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

his is my 3rd attempt to get the following inquiries removed. As they were NOT a FIRM OFFER OF CREDIT, EMPLOYMENT, FOR INSURANCE OR A COURT ORDER. THEREFORE UNDER THE LAW, these inquiries NEED to be deleted : XXXX  XX/XX/2019, XXXX  XX/XX/2019, XXXX  XX/XX/2019 AND XXXX  XX/XX/2019 AGAIN, the above inquiries NEED TO BE DELETED because they are NOT A FIRM OFFER OF CREDIT, COURT ORDER, INSURANCE OR FOR EMPLOYMENT
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX OH XXXX DOB XXXX SS XXXX I am not an attorney or a third party, I am filing a complaint on behave of myself. 
I have been traveling back and forth from California to Ohio for the past 3 years. I am however an Ohio resident. I am requesting a copy of my full XXXX XXXX, Equifax and XXXX credit reports. I am not sure how all this works but I would like a Security PIN from all 3 so I can protect the integrity of my credit profile.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I tried to buy tickets from someone on XXXX, they said they were selling tickets to a concert that I really wanted to go to. They were selling XXXX tickets for {$200.00} each and said they would send them right after I sent them the money through XXXX, at first my bank said that the first payment through XXXX did not go through and that it had been canceled so I sent it again. This is where it went wrong, right after I sent the payment they would not send me the tickets or any proof that they would. Instead, I got a phony email from XXXX claiming that the tickets were being sent through, I went to my chase account to see if I could stop the payment and for some reason, another {$200.00} was taken out of my account and sent to this person. I tried calling chase to tell them the first payment had gotten canceled so I'm not sure how it suddenly went through even though it didn't reflect on my account for 10 mins. I have multiple pictures from my other friends trying to see if this person was trying it with anyone else and they were, they kept giving numerous different names but yet kept telling me how I would receive the tickets. Eventually, this person blocked me, I immediately called the bank to see if I could stop the funds since they were still " pending " but they said they could do nothing and to try calling back on XX/XX/XXXX, I called back today and they said that the other person bank said it was my fault and that, that person has proof of it being a real transaction and how it was me who initiated it. I am now out {$400.00} and have had no help. This was with the Chase bank, the payments were through XXXX which I know can never help anyone get their money back. I am not sure what to do anymore. I have inserted the name they told me to send the money too and the information they gave my friend.
Product: Debt collection

Dear Sir/Madam, I am writing to formally request, under the provisions of 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), that you immediately cease all communication with me regarding the alleged debt associated with Synchrony Bank. 

As per the FDCPA, I am exercising my right to demand that you discontinue all communications with me, including but not limited to phone calls, emails, letters, or any other form of contact. 

I understand that under 15 U.S.C. 1692c ( c ), once you have received this written request, you are legally required to stop communicating with me except for very limited circumstances ( such as informing me of the filing of a lawsuit ). I do not wish to receive any further contact from your agency regarding this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX Reference # XXXX Date Filed : XX/XX/XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX Reference # : XXXX Date Filed : XX/XX/XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

Midland Funding Balance {$1200.00} I am writing because I received letters, phone calls at my job regarding a debt that the above company has. Once I received letters I responded with a letter to validate this debt because I was not aware of this company. I did not hear back from the company. Instead I received a summons in the mail to appear for Pretrial mediation. I sent a validation letter to the credit bureau once I received this. The accounts with midland funding has now been closed. I spoke of this to the companies lawyers and yet she was still trying to collect XXXX from with with {$250.00} in court fees. I responded to please show me a legal binding contract with my signature. I also requested financial statements of the debt. Credit card statements are not validation of debt. I needed to see all the financial records to ensure the accounting is correct. I asked for a break down between principal and interest as to how they arrived at this amount of {$1200.00}. No one has validated my debt but here I am with XXXX kids, low income and being sued on a debt I have no knowledge of because this company has ignored my validation letters. This has caused me time of work and I just returned to work from having a XXXX. I have doctor bills that I cant even afford and Im being sued by this company that cant respond to my letters. Please help me with this so they can understand that this is not right. They dont care about anything but trying to take money from poor struggling families
Product: Mortgage

On XX/XX/2020, I sent a letter to Pentagon Federal Credit Union ( PenFed ) and enclosed the following 3 negotiable instruments : Money Order for {$750.00} ( part of regular mortgage payment ) Personal Check for {$120.00} ( ck # ( part of regular mortgage payment ) Personal Check for {$39.00} ( additional money for replenishing escrow account ) Only one of these instruments was negotiated, the check for {$39.00}. The Money Order and check for {$120.00} have not been negotiated. 

As a result, PenFed has been issuing me default notices and threatening foreclosure. 

I have inquired about the non-negotiated payments ( see letter dated XX/XX/2020 ) but PenFed has not responded. 

I also sent a letter to XXXX XXXX but have received no response. ( see XX/XX/2020 response )
Product: Payday loan, title loan, personal loan, or advance loan

I did not apply for this loan. Some one frequently open this loan in my name
Product: Credit reporting or other personal consumer reports

I SENT A CERTIFIED LETTER WITH DISPUTED ACCOUNTS AND XXXX REFUSED TO INVESTIGATE WHICH IN TURN VIOLATED MY CONSUMER RIGHTS. BELOW I HAVE ATTACH DOCUMENTS SUPPORTING THIS.
Product: Debt collection

This company calls me everyday several times a day and I am on the national do not call registry
Product: Vehicle loan or lease

Ally Financial says I didn't pay XXXX 's full payment. I did. I just made it in 3 separate installments. Every month since they add late fees and penalties, and each month after making my full payment, they send me an email saying they didn't receive my full payment, because they are loading fraudulent fees and penalties, so there's always an extra past due amount, one that continually increases. I've called them multiple times, always getting an agent in the XXXX with no understanding or authority to fix it. I emailed them screenshots detailing everything back in XXXX. They replied that I have to call in. Back into the revolving phone loop. XXXX hours each time. No resolution, half the time I'm transferred and the call drops. No call back, no apology, no notes on account, no acknowledgement of my continued attempts to fix this ... no resolution. The fees they are charging me are wrong. They've been made aware of it and done nothing. This is by definition criminal. What they're doing is illegal and they're getting away with it. They are also erroneously reporting late payments to the credit bureaus. I'm trying to buy a house and my credit is being destroyed. I have proof of everything. I have all the documentation you need. Proof of phone calls, emails, payments, everything. Whatever you need, I have
Product: Checking or savings account

I have been trying to open a new bank account for almost two years now. I keep getting denied. The issue happen in XXXX 2015 my bank account was compromise by a scammer. I reported the issue to bank of america. I wrote a handwritten letter and went to visit the bank in person also and made a report. I received my XXXX XXXX report and it says that bank of america reported me for fraud activity. So I assume that that 's the reason I cant get a bank account. Am not sure why they are blaming me for the incident. When I clearly reported it soon as it happen. So am trying to see how can I resolve this matter and get this remove so I can open up a bank account. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO XXXX XXXX XXXX - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 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 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 of 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

XXXX XXXX XXXX incorrect balance, incorrect date opened ,incorrect last payment.
Product: Checking or savings account

On XX/XX/XXXX, I received a phone message from XXXX XXXX xXXXX of PNC, she left a number and I called her back.  She was out of the office, so I spoke with another gentlemen who told me  that I never paid my home equity loan for XX/XX/XXXX.  I said that I sent a check (#XXXX) on XX/XX/XXXX and then checked my account online.  My account showed that the check had been cleared and deducted from my account on XX/XX/XXXX.  He put me on hold and then came back and said that it appeared that someone had credited a different account.  I asked if this was a person or an automated process.  He said he believed it was a processing error.At this point, he transferred me to XXXX in loan servicing.  XXXX said it would take a few weeks to credit my account for the amount that had been deducted.  He read some legalese jargon that I asked him to repeat several times because it made little sense to me, the way it was worded.  XXXX seemed to lose patience with me after I asked him to read it to me a third time, much slower than the previous blurted sentences.  I agreed that my information was correct but not with the wording of that disclaimer.  I wrote a check (#XXXX) for my home equity line of credit from a PNC checking account and mailed it with the payment stub provided.  I wrote the account number on the check.   PNC cashed it and then misappropriated the funds to another account, not my own.  XXXX instructed me to pay my home equity loan with another check to avoid furhter complications.  I quickly drove to the local Holmdel branch of PNC and was able to secure a place in the drive thru before they closed at XXXX on Friday, XX/XX/XXXX.  I paid for the second time in XX/XX/XXXX, through the bank teller at XXXX.  On XX/XX/XXXX, I received a letter from ACH Dispute Services stating that “...we have determined no error occurred...” but my account would be credited for the amount deducted.  I checked my  PNC account and it was credited for the amount of $XXXX.  The letter stated that I could call to receive further documentation of this determination.  I called and waited online for an hour before being told that there was no further documentation because there was no error, for the money that was erroneously deducted from my account.  XXXX was very helpful and I told her that I was concerned that this would happen again, simply because your bank claims that there was no error and is therefore likely to occur again (and it did.)On XX/XX/XXXX, I paid my Home Equity loan in the amount of $XXXX.  On XX/XX/XXXX after checking my account online, I noticed that the balance was off by $XXXX.  Looking at my statement I saw that on  XX/XX/XXXX, PNC again deposited the XX/XX/XXXX check (#XX/XX/XXXX) and deducted that $XXXX from my account, IN ERROR (despite their claims to the contrary).
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I TRIED TO CALL XXXX XXXX, EXPERIAN, XXXX AND LET THEM KNOW THAT SOMEONE HAS TRIED TO SUMMIT FRAUDULENT APPLICATIONS IN MY NAME WITHOUT MY CONSENT THEY FAIL TO HONOR MY REQUEST TO REMOVE THE INQUIRES DO TO IDENTITY THEFT I WAS HUNG UP ON AND ALSO COULD NOT UNDERSTAND THE CUST SERV REPS THEY DID NOT SPEAK ENGLISH THAT WELL
Product: Credit card or prepaid card

I was at the Macy 's store in XXXX XXXX in XXXX, Maryland. I went to to make a purchase handed the cashier my Macy 's card and was told the card was denied. I explained to the Cashier its been a little while since I have not used the card. They called the credit card department and were told the account was closed. The cashier handed the phone to me and I was told by the representative that the card was closed because of inactivity. I have had the Macy 's account for almost 20 years and was never told the account would be closed if inactive. I was told that this is my agreement and that I would now have to apply for a new credit card. I pulled a copy of my credit report and I saw that the card was closed in XX/XX/2020. This is especially hard that the account was closed during this pandemic. I was never notified.
Product: Credit card

On XXXX XXXX, I did open this account with Wyndham for a Barclay 's Credit Card due to plans to possibly upgrade my contract. Well, I chose not to upgrade and I left the presentation. My newlywed husband stayed on for the rest of the presentation to learn more about Wyndham.

My husband ended up signing a contract with Wyndham by scamming him into thinking he was getting a great deal, yet what they did was put a {$11000.00} charge on this new credit card I didn't even have yet. I was not even there at the time the contract was signed.

I disputed this charge with Barclays and they denied and said I would have to reach out to Wyndham. I wrote them back and demanded that they show me evidence that I authorized this charge. That was in the beginning of XXXX and I have not heard back from them.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Debt collection

As a consumer natural person I am asserting my consumer rights pursuant 15 U.S. Code 1681b ( a ) ( 2 ) per my written instruction I say what can be on my consumer report. I did not consent nor contract with CAVALRY PORTFOLIO SERV on Wednesday XXXX XXXX. I request that this account XXXX is deleted. I ask that this alleged debt is verified and investigated. Pursuant 15 U.S. Code 1681a ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The above account is a direct impact to my ability to exercise my right to credit because my reputation with this consumer reporting agency is inaccurate and I know that the banking system is dependent on this reporting. I ask for a copy of full credit file not report the full file.