23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I called XXXX XXXX about my credit card asking them to postpone the due date to pay for the credit card by 3 days. the agent over the phone said yes we will postpone the due date by 3 days to give you time to pay for the balance that was due earlier than expected because credit cards can be due every 4 weeks instead of every 31 days. They closed my card right after that and did not delay payment by 2 days nor even by 1 day, immediately closed the account and sent it to my collections to damage my credit score. I contacted XXXX XXXX and equifax both to dispute the charge and they denied to resolve the issue
Product: Debt collection

To whom this may concern, Hi I am seeking assistant regarding a collection agency by the name of XXXX located in XXXX, Texas. This agency has placed a collection account on my credit report for an account that was paid years ago & they refuse to remove it despite the documentation proving it was paid. 
Because the account was paid years ago it should have never been placed on my credit report in XXXX. This has caused my credit score to drop significantly & I have been unable to apply for a home for my children & I for 7 months. 
I have contacted the Credit Agency Equifax & also the Consumer Bureau Protection, unfortunately these agencies do not protect consumers & allow this predatory collection agency to take advantage of innocent individuals. 
This company XXXX has over two-hundred and forty complaints on Consumer Bureau Protection Website and all  consumer complaints are consistent with the same complaint that this company is trying to collect a debt that is not owed. 
I am seeking assistant to take this company down & hold them responsible for every fraudulent account they have sent to the credit bureaus & trying to collect money for unlawfully. 
All consumers & attorneys are welcome to contact me in regards to this matter. 
Please provide assistant immediately to hold XXXX responsible. 
The account for XXXX XXXX XXXX was paid in XXXX, XXXX placed the collection account on my credit report in XXXX. From XX/XX/XXXX to today XX/XX/XXXX I have been contacting XXXX to remove the fraudulent debt they recreated. 
I have submitted documentation of the account paid in XXXX.
Product: Payday loan, title loan, or personal loan

Applied for a loan and gave all my important information to scammers
Product: Credit card

This is an existing complaint. Could you please tell me the latest on complaint # XXXX? 

I paid off my Ally account and requested it closed. And the existing fraudulent charges be removed from my credit card. I can not log into my All credit card account so I don't know if the charges have been deleted? 

XXXX XXXX XXXX : XXXX
Product: Checking or savings account

My original complaint against Citizens Bank was for unauthorized withdrawals fro my checking account and the bank 's acceptance of a check designed and submitted by a creditor that was paid from my account. All of this resulted in my account being overdrawn and daily ban fees that exceeded {$200.00}. being charged to my account. Since that filing the bank has removed the overdraft fees but saw that my account was cancelled. I am not upset at that, but when I went to another bank XXXX XXXX, to open a checking account. They would not issue a debit card nor allow my a senior discount for checking account fees. Therefore, I must pay a monthly fee of {$10.00}. and can only use their ATM service. I can struggle with that but it seems that Citizens bank got their pound of flesh on the way out. I was told that the non-issue of a debit card was because of a report that Citizens has submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXXXXXX XXXX, I sent several EXPERIAN executives a registered email with a signed and sworn Notice of Demand by Affidavit demanding that EXPERIAN removes all negative items from my credit report, including all hard inquiries and late payments within 24 hrs of notice. I never gave EXPERIAN permission to furnish my private transaction information, let alone create a credit report using my social security information. 

I have let them know they are violating several federal laws. They have yet to comply with my demands. 


" I, XXXX XXXX XXXX, a natural person, federally protected consumer and beneficiary of the Social Security Account XXXX XXXX, am writing in regards to the XXXX Credit Report bearing my corporate name, XXXX XXXX, and Social Security account information. 

I hereby state under oath and under penalty of perjury, that the following facts are true, correct and not misleading : 1. I have never given my written consent for XXXX to furnish my private transaction history. ( 15 USC 1681b ( 2 ) ) ( 18 USC 1028A ) 2. I never gave XXXX the authority to create a credit report in my name. ( 18 USC 1028 ) ( 18 USC 1028A ) 3. XXXX has been profiting off of my name and private transaction history without my authority. ( 18 USC 1028 ) ( 18 USC 1028A ) ( 18 USC 215 ) ( 18 USC 1963 ) 4. XXXX is engaged in a conspiracy to restrain my commercial activity by limiting access to my own credit. ( 15 USC 1 ) 5. XXXX has caused considerable injury, damage and harm towards me. 

It is hereby declared that XXXX is committing several federal crimes against me. 

Wherefore, I demand that every single negative item, including late payments and hard inquiries, be removed from my report within 24 hours of this notice. "
Product: Credit reporting, credit repair services, or other personal consumer reports

Reliable Credit is reporting on my credit that I was late on XXXXXXXX XXXX XXXX. I ask they remove the late as I had no way of making payment. At this time, I was driving with my sister and she got into a really bad car accident and I was the passenger. I was severely injured and ended up in the hospital. Usually my husband takes care of finances if anything like this were to happen but he was in XXXX as was most of the family. As soon as I got home, I got current but during my time in the hospital and inability to move or do much I was unable to make payment.
Product: Debt collection

These people continue to call my sister, parents, grandmother and worst of all, my place of employment. They have called every branch of the company I work for in my town and neighboring towns. They are very rude and aggressive to my coworkers, using profanity and telling them if they do not release information about me then they, too, will be served with papers for " noncompliance ''. They will not tell me who they are or even what company they represent always calling themselves XXXX XXXX or XXXX. They have left voicemail messages telling me they will be sending an officer from XXXX XXXX to my home and if I am not there it will be rerouted to my work. They give XXXX street addresses, so they know where I live and work but refuse to send me anything in writing. I have called them back XXXX and requested information in writing but have not received anything. The XXXX time they told me to stop calling their office and the other time they said " well at least now we know where you work '' and hung up. They XXXX tell whoever answers the phone that they need to talk to my boss, using my full name, and say I must be located due to a serious legal situation, I am being sued, and that anyone who helps or tries to help me avoid being served will also be arrested and prosecuted to the fullest extent of the law. I am very concerned I may lose my job if this continues. The people working for this company just keep calling sometimes up to XXXX times in XXXX day and are telling anyone who will listen that I am a criminal but yet, when I talk to them they wo n't give me any information and use fake names.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX  - XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
9. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
10. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
11. XXXX  XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
12. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX, XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX  XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Product: Debt collection

Per 15 USC 1692 CC : This item should not be on my report
Product: Credit reporting

I discovered a Georgia State Lien on my credit report in XXXX XXXX. I called the court in XXXX XXXX and was told it was paid. I informed the credit bureau and the date of payment of my credit report states XXXX XXXX instead of a payment date of XXXX XXXX XXXX. It is 7 years on XXXX XXXX, XXXX since being paid and I would like it removed from my credit report.
Product: Consumer Loan

I am dealing with Santander Consumer USA. I have recently found that over XXXX in payments are missing from my account and that resulted in a repossession and absurd amounts of money to retrieve my vehicle. I have my bank statements and copies of my checks that were sent on time and cashed weeks later. I also never received any contact when they determined I was late. Four months went by and they charged the account off marking my credit badly.
Product: Credit reporting or other personal consumer reports

Complaint Details Subject : Unauthorized Credit Inquiry Notification from Global Lending Services Description : I am filing this complaint because I received a letter from Global Lending Services stating they have accessed my credit report. However, I did not authorize a credit inquiry. I opened an account with the company but did not give explicit consent for them to pull my credit or initiate any type of credit inquiry. 

Although this inquiry has not yet appeared on my credit report, I am deeply concerned about the unauthorized access to my credit information. I believe this is a misuse of my personal and financial data, and I want to take preemptive steps to ensure that an improper credit inquiry is not reported or used without my consent. 

I have contacted Global Lending Services to request clarification and proof of my authorization, but they have not provided a satisfactory explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : - ; XXXX XXXX Inquired XXXX XX/XX/2022 ; XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX XXXXnquiry : XXXX XXXX, 2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

My In-laws give us Vanilla Gift Cards at XXXX and this year when I went to use it, the money had already been used. I discovered that this is a issue with these cards where hackers just guess numbers until they get through. I tried to open a claim with Vanilla and did all the steps to do that only for it to be denied because the transaction was more than 60 days old. I asked how was I supposed to know a transaction had taken place when the card was just hacked but they did not change the denial. {$250.00} was taken from me and if this is a common issue, they either need to honor the claims or not sell a product that can be hacked so easily.
Product: Checking or savings account

I applied to a job during the month of XXXX. I got an email from a woman from XXXX about a job opening for a graphic design position. She offered me an interview over XXXX on XX/XX/18. We did have that interview and I was offered the job the next day. So I signed some papers and was told the role Id work on remotely. 

After that I was told that I need to cash a check they sent to buy equipment for the job. The check was for XXXX dollars. This was a dream job so I trusted the person. The website seemed real and XXXX had a XXXX that seemed real. So I cashed the check. However later I was getting weird request like use the money to transfer it to Vendors. It eventually went to buy debit gift cards and stuff like that. After that I ended communications and tried to warn my bank. However I hoped that the bank would just cancel the check and everything would be fine.

Unfortunately Bank Of America saw this activity and canceled my whole account. I didnt do this maliciously. I had a good reputation before this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year when I tried to buy my house, I couldn't because when they gave me my credit report I had a car loan reported in my name from a bank in Florida XXXX XXXX  XXXX on XX/XX/XXXX, in the amount of {$15000.00} per 36 months which was not paid. I called this bank to report that it was a mistake, that I never applied for a loan with them numerous times and never had a solution. It still shows up on my credit report as closed but unpaid which affects me a lot. I have never lived in FL and another important fact is that XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and have always lived in XXXX. I have never taken out a car loan even here in XXXX. According to the report, the person who made the credit paid it only until XX/XX/XXXX and no longer pays. How can they use my identity for this? I need to get that off my credit report or I'll never be able to buy my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent inquiries on my Equifax credit report and I've disputed them several times with the company and Equifax and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX  XX/XX/2021
Product: Debt collection

I do not owe this company any money as I have never contracted with them. I would like this company to cease and desist any communication with me through any and all mediums. I am not requesting any validation of debt and demand this company to delete the account from the consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This vehicle was my ex wifes vehicle and she was involved in a total loss accident. We were told by Hyundai that the vehicle was paid in full by the gap insurance and that we would receive a refund for the early payment that we made. We purchased a new vehicle for her. After a few months, I saw negative marks on my credit report and I called XXXX. I was Told that we had to pay our deductible. We never received a notice or anything in the mail. I paid It right away over the phone. I was Told by XXXX that they would correct this error. I have been fighting this for years and its the only negative mark on my credit. Please help me. Thank you.
Product: Mortgage

New Day charge me lates fees when an automatic draft did not go through according to new day. XXXX said New Day never attempted to draft any funds out my XXXX account. 
New day claimed the check was returned. I have an overdraft with XXXX and the sufficient amount was in the XXXX account at all times. I have exhausted all attempts to clarify with new day to no avail. Customer service rep name XXXX employee # XXXX is not knowledgeable enough to handle customer 's complaint. 

The issue is I am being charged for nothing my XXXX XXXX  did. New day would not let me speak to a supervisor or manager. XXXX knew there was an issue with automatic draft from new day but he refuse to admit it. I requested XXXX to turn off the automatic draft last month but he refused to do so. Now I have the same issue this month with automatic draft not being successful out of my XXXX account. I used the same funds in my XXXX account to pay the mortgage over the phone with adding funds to the account. 
The issue of insufficient funds in the account is not accurate. 

I would like to see this manner resolved quickly.
Product: Credit card or prepaid card

Multiple payments processed, cleared, and verified by both sending and receiving financial institutions but PAYPAL MASTERCARD VIA SYNCHRONY BANK is penalizing me by holding the payments for a predefined length of time solely based on being a new customer. This is regardless of the fact that they have received and fully verified the funds, yet paypal supervisor XXXX refused to lift the hold because their policies allow them to hold my payment. 

Currently I have a credit limit of $ XXXX, with a balance of {$290.00} after my {$700.00} payment on XXXX and {$150.00} on XXXX, but paypal is refusing to clear my available spending limit beyond {$7.00} despite my payments.
Product: Credit card or prepaid card

In XX/XX/XXXX I received the billing statement that showed that in XXXX of the same year there was an automatic payment reversal of {$25.00} on my account ( XX/XX/XXXX ) then the payment is shown as received ( XX/XX/XXXX ). 

I don't know if that ties into my main complaint or not but I wanted to include information. 

About that same time frame I enrolled in the Aspire Credit Protection program which per their frequently asked questions and terms ... pays the minimum payment on the account for up to six billing cycles. ( See attached ). 

In addition it is stated that no credit protection fees or late fees will be charged while on the program. ( See attached ). 

For the last three billing cycles I've been charged a {$41.00} late fee every month and per the online chat conversation with customer service.. the minimum payment isn't even being paid. ( See attached ) This is all contrary ... ... to what in the terms and in the frequently asked questions on the company 's website. 

I asked customer service about this they stated that because the minimum payment wasn't being paid that I would be charged late fee and when asked about filing a complaint about that I was told that you can't file a complaint .... it is what it is. 

Now there's something shady and suspicious about all that.
Product: Credit reporting or other personal consumer reports

I am writing to challenge the inclusion of this bankruptcy on my credit report. This matter is extremely concerning because I possess a letter from the court clearly indicating that this bankruptcy should not be reported to you. Additionally, the involvement of an unauthorized third party further heightens the absurdity of this situation
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to an auto loan thats currently reporting on all three credit reporting agencies, XXXX, Equifax, and XXXX, report. This account belongs to my father XXXX XXXX XXXX, and My mother ( co-signer ) XXXX XXXX XXXX. I have never signed, applied, and or co-signed for an auto loan with a XXXX XXXX XXXX. 


This crossed reference of our personal information has caused me to be in a dire straits situation because both of use inhabitants in the same household and have the same name. Ive never relinquished my credit information, nor have Ive signed documents with XXXX XXXX XXXX. 

Fax the letter, application, and copy of my driver 's license and the other 2 documents to the fax number that was given to me on XX/XX/2022 Mail documents to : XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Tracking number XXXX
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting Act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. Further states a consumer reporting agency can not furnish an 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 my information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.