23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX Was sent a debt verification letter in return they only sent a billing statement .Under the FCRA 15 U.S.C. 1681I. All  unverified account must be probably deleted
Product: Prepaid card

I purchased a {$500.00} XXXX XXXX gift card on XXXX/XXXX/16 from XXXX. The card was subsequently lost and I could not find the receipt with the XXXX digit identifying number and so I simply accepted it as a loss and moved on. Recently I found the gift card stub with this identifying number and quickly called Incomm to see if this was in fact the receipt I needed. The representative was easily able to find the card with the {$500.00} still on it and I was given a reference number and an e-mail address. I was told to send a photo of my ID, proof of address, and the gift receipt and the card would be replaced and mailed to me. 

I waited for a few weeks and when it never turned up I called them back. The representative then told me that the receipt was not enough and I needed to collect an electronic journal from XXXX, I had already done this once in the past but had thrown it away when I was told it was not enough and that I also needed the XXXX digit code. 

I attempted multiple times to get this electronic journal, both through the local store that I purchased the card at and the corporate office. I was told the receipt would be mailed to me after i supplied the necessary information over the phone, which I did, which included the exact date and time of the purchase and the amount of the purchase. Once again I never received this in the mail either, I called XXXX and was told that electronic journals were only kept for 90 days and there was nothing they could do as I purchased the card months ago. 

Incomm showed surprise at the fact there was no journal and stated they must be kept 365 days by XXXX, I tried to get it again multiple times but each representative at XXXX confirmed it was not kept that long. I escalated to a manager at Incomm hoping to resolve the issue in some other way, either through a bank statement or some other method of proof of purchase. Bear in mind from the start I was told I had already submitted sufficient information and then it turned into this fiasco. 

I am hoping the CFPB will be able to help me resolve this in some other manner, as I find it completely unacceptable they have already identified this unused card with {$500.00} on it and are now telling me I have n't submitted the proper information.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payments on the date below : 30 days late as of XX/XX/XXXX ( all 3 bureaus ) 30 days late as of XX/XX/XXXX ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Product: Prepaid card

I went to use my Vanilla Visa GIft cards that expire on XX/XX/XXXX and XX/XX/XXXX and they had no funds available. The purchases were made in other states, I llive in NH and did not make these purchases. On appeal, I was denied because I did not appeal it soon enough. There should not be a timeframe to appeal these and there is an expectation that my accounts will be safe and there when I go to use them. This seems to be a recurring issue with Vanilla.If I save cards for a larger purchase I should not have to check the balance montly to make sure they have not been scammed. 

Card XXXX XXXX XXXX XXXX expires XX/XX/XXXX value {$75.00} used at a XXXX in California Vanilla/Incomm case number XXXX Card XXXX expires XX/XX/XXXX value {$75.00} used at XXXX XXXX XXXX  in Indiana Attached are the transaction printouts for both cards and the denial reason. Thanks for your time and assistance.
Product: Debt collection

On XX/XX/2020, Continental Credit Control, at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, ( XXXX ) XXXX reported a debt collection to the Credit Bureaus that claims I have collection account with XXXX XXXX XXXX XXXX XXXX XXXX for {$140.00}. I contacted XXXX XXXX  XXXX XXXX XXXX XXXX at ( XXXX ) XXXX, and my account is not in collection and does not have an outstanding balance due.
Product: Vehicle loan or lease

I XXXX XXXX, coming forward today to have a collection loan removed from my report i did not give consent to, I am a victim of Identification Theft.
Product: Debt collection

I am disputing the late payment accounts listed on my credit report due to a tragic event that affected my finances. The associated banks have agreed to remove them under these circumstances. Upon contacting the banks, I talked to someone within the company to confirm the documents had been received and they informed me that they never receive documents from the CFPB. 
XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I've discovered inaccurate information on my reportan incorrect address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Debt collection

I have not had a XXXX account in almost 3 years and it says this was XXXX XXXX XXXX.
Product: Credit card

1. In XX/XX/2015 I ordered a pair of hunting boots from XXXX, paying with a credit card. 
2.Subsequently I recieved a phone call from some one purporting to ba a representative of Comenity - The XXXX, informing me that I owed an over due payment for a pair of boots. 
3. I had no knowledge of this account # XXXX. I had neither requested nor approved the opening of this account. I have never reieved a credt card or notification of the existance of the account. 
4. I paid for the boots, using another credit card and requested that the accont be closed. 
5. Susequently, Despit many phone callsI have continued to recieved monthly statements citing overdue charges. The current balance approaches {$200.00}, all a concatination of overdue charges, the merchandise has been paid for. 
5.I have requested that all charges be recinded and that the account be closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX XXXX XXXX  are reporting on all 3 of my credit reports they are fraud I have a police report and I have a Id theft affidavit Also fcra 605b states these accounts must be blocked within 4 business days since they are fraud
Product: Debt collection

XXXX XXXX XXXX  discharged a debt, and I filed a 1099c tax form to claim the discharged amount as income for that year. Income can not be considered as debt.
Product: Checking or savings account

Hello, This complaint is against my bank - chime. On XX/XX/XXXX my bank account was hacked and over XXXX fraudulent transactions took place in my account in the middle of the night where a scammer sent over {$500.00} to a cash app account. All 26 transactions took place over the course of 30 minutes which was not flagged or blocked by my bank ( chime ). I woke up and discovered my account had been drained to {$11.00} and i filed a dispute immediately. Chime then proceeded to tell me that I wont have an update on this case until XX/XX/XXXX, 90 days after this incident happened. No credit or refund was issued to me even though I did nothing wrong and am supposed to be insured as a customer. I was left with basically no money in my account and no way to cover the rest of bills. Chime keeps giving me the run around here and I need to file a complaint against them to get reimbursed for this fraudulent act. Any other bank would clearly identify this as fraud and insure their customer, chime is not.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX am writing to inform you that I am a victim of a data breach or fraudulent accounts, as per the provisions outlined in FCRA Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ). This letter serves as a formal request for the permanent removal of fraudulent information resulting from unauthorized accounts, inquiries, incorrect addresses, and inaccurate names appearing on my credit report Reported without valid evidence XXXX XXXX XXXX Please remove inaccurate information from my credit report I have reported this incident to the Federal Trade Commission and have attached a copy of the filed complaint to this letter. Enclosed, you will find a copy of the relevant FCRA sections, particularly FCRA 605B ( 15 U.S.C. 1681c-2 ), emphasizing the immediate removal of information identified by the consumer as fraudulent, not later than XXXX business days from the receipt of such notice. Please acknowledge the receipt of this letter and provide a timeline for the resolution of this matter. I am sending this letter as the sender, expressing my personal thoughts, opinions, and intentions. The content of this letter is solely my own and does not reflect the views or opinions of any organization or entity. Thank you for your prompt attention to this matter. I anticipate a swift resolution. Sincerely, XXXX XXXX.
Product: Money transfer, virtual currency, or money service

All money reported to be returned. I was scammed out of {$100.00} dollars and was told nothing could be done.
Product: Credit reporting

National recovery has Reinserted a previously deleted information. It was n't accurate in the first place, but now Its back on after being deleted 2 years ago!. Please help
Product: Debt collection

I have asked HRRQ 2-3 times now via the CFPB to stop calling yet they continue to call me post-revocation of consent and are using automated pre-recorded messages. I HAVE ASKED 3 TIMES NOW FOR THEIR COMPLIANCE OFFICER TO REACH OUT TO MY AUTHORIZED REPRESENTATIVE XXXX XXXX AND HAVE GOTTEN NO RESPONSE OVER 60+ DAYS NOW. 

CONTACT XXXX XXXX XXXX XXXX. 
THE LAW OFFICE OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

From XX/XX/ to XX/XX/ my score went down XXXX XXXX. It says I must have been late on a payment. Rather than being late I paid an extra {$6500.00} on the loan. I am paid in advance. I have never made a late payment. I disputed with Toyota Financial, XXXX and XXXX XXXX. The all responded back that I have never had a late payment and I am even paid in advance but my credit score has not been adjusted back up.
Product: Mortgage

My original loan was being serviced by XXXX when it then got transferred to PHH Mortgage Services ( www.mortgagequestions.com/ - NMLS ID # XXXX ). Before the loan was transferred, I completed a modification with XXXX. After the modification was completed by XXXX, XXXX charged me a {$99.00} 'Charge - Notice of Default Cancellation fee on my XX/XX/19 statement and the fee was listed with a date of XX/XX/19. I disputed the fee with XXXX but then the loan was transferred. PH Mortgage Services then charged me a {$99.00} 'Assessed Expense - RECORDING FEE Paid ' fee! They charged me on the statement with date XX/XX/19 and listed the charge with date of XX/XX/19. They also raised my principal, interest, and escrow payment portions from the agreed upon rate that was in the modification agreement I signed with XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, a financial institution and furnisher of information, along with EQUIFAX AND XXXX, consumer reporting agencies, have willfully failed to comply with federal regulations by misusing my consumer report regarding account number : XXXX. 12 CFR 1016 ( Regulation P ) regulates and protects the privacy of consumer financial information. 12 CFR 1016.16 regulates and protects the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 12 CFR 1022 ( Regulation V ) Appendix M regulates and specifies obligations of furnishers of information to consumer reporting agencies under the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 

I, the consumer, have been adversely affected by XXXX XXXX XXXX, EQUIFAX, AND XXXX being willfully noncompliant with the proceeding federal regulations. 

12 CFR 1016.16 regulates 15 U.S. Code 1681 section 602 which states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' My privacy is being violated by the misuse of my consumer report. 15 U.S. Code 1681b section 604 states In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX, EQUIFAX, AND XXXX do not have my consent to furnish said information, and I have never given them written or verbal consent. Any implied consent is revoked. 

12 CFR 1022 Appendix M regulates 15 U.S. Code 1681a ( 2 ) ( A ) ( I ) which states " Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; IRS Publication 4681, Chapter 1 regarding canceled debts states that a canceled debt is considered ordinary income, which is taxable. This charge off is taxable income and not to be included on a consumer report. 15 U.S. Code 1681s-2 states 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. XXXX XXXX XXXX, EQUIFAX, AND XXXX are willfully misusing this information on my consumer report. 

12 CFR 1022 Appendix M regulates 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) which states Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of : any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. XXXX XXXX XXXX, EQUIFAX, AND XXXX have been willfully noncompliant by continually misusing my consumer report after I filed a complaint. 

12 CFR 1016.7 states, A consumer may exercise the right to opt out at any time. I am opting out of any and all of your reporting services. 

My intent is to sue if said issues are not resolved.
Product: Debt collection

The week the 1st initial payment was due I became very sick. I c as called the manager to  inform her of my prognosis. XXXX of my small children were also very very sick. Had been in the ER WITH XXXX OF THEM ALMOST 72 HRS BACK AND FORTH BETWEEN XXXX OF THEM. I HAVE MEDICAL DOCUMENTATION TO PROVE MY WHEREABOUTS AND CONFIRM THE SEVERITY OF MY SITUATION. SHE WAS NOT UNDERSTANDING AND WAS ADAMANT I COULD NO LONGER MAKE MY INTIAL PAYMENT BCZ MY ACCT WAS SENT TO COLLECTIONS. AFTER ONLY 1 WEEK. ABSOLUTELY RUDE AND INCONSISTENT WITH PROTOCOLS AND PROCEDURE 'S.
Product: Debt collection

I have received 3 different medical debts or XXXX debts that I have no knowledge of. These debts are from time and areas I can prove I was not in at the time of debt. I lived in XXXX Texas in XXXX, XXXX Oklahoma XXXX & XXXX, and XXXX XXXX Louisiana in XXXX till now. These are fraudulent debts in my name and I can most certainly prove in court of law my whereabouts and can you encourage the owner of these debts to allow me to prove these facts. Every debt I have knowledge of I have either paid or worked out in settlements and if I had knowledge of these I would do the same. These are not my debts, these are fraudulent debts in my name and if not removed I want to go to court as soon as possible which is the only fair option. Let me prove this is not me nor my debts.
Product: Credit card or prepaid card

On XX/XX/XXXX I made an electronic phone payment of {$280.00}. I also asked what the process would like to close my account now that I have a XXXX  balance. The representative explained the process. She asked if I wanted to close the account I said no not at this time. Two weeks later I received a letter in the mail that my account has been closed. I called Captial One and was told that I closed my account on XX/XX/XXXX. The phone rep. that I spoke to kept repeating himself saying that since the account has already been closed. I would not be able to have it reopened. I asked to speak the reps supervisor after the rep was of no help. I explained to the supervisor what occurred. He said that all phone conversations are recorded so they would be able to check back to the recorded to see if it was their error. I spoke to supervisor XXXX employee ID number XXXX. He said I could check back within 7-10 business days for an update. This was a relief because I understood that after review I would be able to have my account reopened since I clearly said to the rep that I did not want to close my account at this time. 

I follow-up with Captial One two weeks later. The capital one rep did not connect me with the same supervisor. I was connected with XXXX employee ID number XXXX. She said that because my card was a secured card it would not be reopened even though it was their error. I explained that their error is now negatively impacting my credit score. I am looking to apply for a mortgage in the next 3 months and this capital one account was my oldest line of credit. 

Captial one admitted that this was an error of their and was unwilling to remedy the situation.
Product: Debt collection

I keep getting phone calls from what I think is Synchrony Bank keeps calling me from at least 6 different numbers, two from Texas, two from Georgia, from Kansas, from Ohio, and Florida. They never leave messages, on most calls, but once they thought they were talking to someone so they asked for a persons name, that wasn't me. I get calls multiple times a day from a mix of the numbers. I have Synchrony credit cards, but when I have signed up the cards, I used my home phone number, I am getting these calls on my cellphone, which Synchrony Bank doesn't have. I don't owe anything on any of my Synchrony Bank credit cards. Some how they put my phone number in their Robocaller program trying to call someone besides me. Other people say that they have tried to tell Synchrony Bank that they have the wrong number and to stop calling them, but nothing stops the Robocalls. These are all Robocalls, and they aren't for me. I wish they would check the phone numbers they call to make sure that they are for the right person. THIS NEEDS TO STOP.
Product: Credit reporting or other personal consumer reports

This information is incorrect, fraud, please delete this information. all inquiries is fraud. 
THIS INFORMATION IS INCORRECT IS FRAUD DELETED INFORMATION PLEASE. XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Re Acct # XXXX {$470.00} On XX/XX/2018 and XX/XX/2018 I wrote and sent certified letters to PORTFOLIO RECOV ASSOC regarding Acct # XXXX. ( See Attached letters ). There are also 3 other accounts I sent letters so that PORTFOLIO RECOV ASSOC could validate the debt they claim I owe. All letters were sent certified on the same days, which were XX/XX/2018 and XX/XX/2018. I am sending a copy of those letters. The debt hasnt been validated. 
Acct # XXXX {$3700.00} ( Case Was Dismissed, attaching court dismissal paperwork ) Superior Court XXXX, CA Case number XXXX Acct # XXXX {$470.00} They have failed to satisfy my request and validate the debt they claim I owe them. This is drastically affecting my family ; my home and credit and I need help taking care of these matters. 
Thank you in advance XXXX XXXX
Product: Student loan

My mother took out a loan for my college education with the Highe Education Student Assistant Authotrity in 2009. They made it seem that they were offering a federal loan. They sell themselves as being entirely affiliated with the state of New Jersey ; the state emblem and a picture of XXXX XXXX are on the front page of the website. They are, in fact, entirely private and I 'm filing this complaint because they 're misleading. I 'm also filing this complaint because they do n't offer income-based repayment or consolidation. They 're demanding more than {$1000.00} per month from me, a ludicrous amount for a new graduate, and there does n't seem to be any chance of paying anything less than that, ever. Negotation is out of the question. Their truly despicable customer service is part of this complaint but is the most insignificant. They present themselves as being federal but are neither federal nor private, they 're something else entirely.
Product: Debt collection

Upon checking my credit report there is a new account from OAC. I requested Debt Validation and i received a generated statement made by the company that isnt proper validation. I also requested my info and signature be provided from services received on stated date. this debt isnt mine and im not legally obligated to pay it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was solicited while on line with my XXXX account. I was offered a credit card to use, as I understood, with my XXXX purchases. subsequently, I received written notice from XXXX, stating " We 're unable to approve your request for a XXXX XXXX XXXX Signature at this time. '' I had reviewed my credit only and few days before and learned that the 3 Credit Reporting Agencies had scored my credit between 700 and 733. XXXX is the score mentioned in the letter from XXXX. The Bankruptcy ( Chapter XXXX ) was filed in XX/XX/XXXX and discharged in XX/XX/XXXX. Since then I have maintained good credit practices. There is no mention of the Bankruptcy as attested to by XXXX when they reviewed my credit history with me today. 
I suspect XXXX of attempting to maliciously tarnish the credit that I have rebuilt since the Bankruptcy was discharged, as it was removed from my credit history as provided by law. 
I do not recall if XXXX participated in the Bankruptcy or wrote off the debt. Several of my creditors, at the time of filing, were charging unreasonable amounts of interest and declined to negotiate with me. I filed Bankruptcy to obtain legal protection and satisfied all claims with interest. 
If I had known that the credit offer received through XXXX was from XXXX, I would not have applied due their past spurious business practice.
Product: Checking or savings account

On XXXX XXXX XXXX company give me a refund for the amount XXXX dollars. Because by mistake they charge me that amount by mistake, so I call the bank to tell them what happens. I never made a claims that what they said. Iam been calling them for the amount XXXX dollars and they told me that they give me the money as credit. And they don't want to give me my refund money back to me.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX .Paypal closed or limit my account for just no reason. After receiving funds to my account, I could not withdraw the funds or make used of the funds in my paypal account. I was told funds will be held on my paypal account for 180 days, but now it is more than two years. No email from them about the release of my funds. My paypal email is XXXX I will be very happy if this can be resolved for me because I need that funds to fix a lot of things right now Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXX