23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan

Around XX/XX/XXXX-XX/XX/XXXX i made a big mistake & borrowed from a couple of pay day loans. They were paid back and over a period of time requested me to re borrow. Unfortunately, shortly afterwards, I started receiving calls from different people with heavy XXXX accents requesting money. At first, i thought they were from the same company i had paid off since it was done on line. Unfortunately, I did not realize until someone called saying i still owed on my pay day loan. As soon as I pay another person would call threatening me for payment. Once asked for what loan, they would just for a pay day loan and I was going to be arrested. There has been times, money was taking from my account without authorization. Once I realized what was going on, I went into my bank. The bank inform me to be careful because they have seen this happen to other customers in the past. It was suggested to make a hold on my account. Prior to me realizing what was going on, I even purchased prepaid cards to avoid problems and overdrafts to my account. I realized my information was given out to other company 's through the web because before I knew it, there were several lenders claiming i owe them. At this time, I started hearing about more and more people getting scammed. Therefore, I went to the police department and filed a complaint. I gave the names and numbers of different representatives. I was embarrased and was told I should have never borrow that way and especially sharing my information on the web. Unfortunately, I had gone through a separation and was in a financial dilema. However, I was advised to close my accounts and be careful with the internet. I admit during that time, I was not that familiar with how the internet worked. I called credit bureau 's and put security freeze/fraud alert on my accounts as advised. To date, it still remains. I feel it is time to take action because about 3 weeks ago I just received a call from Concord Resolution who now say {$480.00} is owed and they represent the company that got me the loan in XX/XX/XXXX or XX/XX/XXXX. They claim since my account was closed they could not collect. Again, this is strange because why i have to pay a company who got me a loan for what I borrowed when fees are already included. Lord in behold, XX/XX/XXXX, a call from a XXXX XXXX who represent a company say {$500.00} is due. I truly want to stop this because i spent a few thousands in the past. I plan to retire and can not redo this XXXX again. It effected emotionally and financially as well. Continental representative could not give me the name or the address of the company. I will look back and give names & phone numbers I guess when needed. I have so many names & numbers until it is confusing and very stressful to me. I would never borrowed in this manner and not pay what i owe. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account Numbers # XXXX XXXX # XXXX, Amount : {$6100.00} XXXX, Action : I Filed dispute, & returned their possessions XXXX XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX, Action : I Filed dispute, & returned their possessions XXXX/Dept of ED # XXXX Amount : {$2000.00} XXXX, Action : I contacted them* XXXX XXXX # XXXX Amount : {$560.00} XXXX, Action : Closed account returned device. 
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
Product: Prepaid card

I have the Rush card and have not been able to access my money for weeks. My bills have not been paid at home and my daughter college funds ca n't be paid.
Product: Credit reporting or other personal consumer reports

2017 two fraudulent XXXX XXXX credit accounts where created and disclosed to consumers reporting agencies. I called XXXX XXXX who was unwilling to assist with the matter. I also requested the reporting agencies remove these accounts from my consumer reports as well as inaccurate information regarding employment and residence. The consumer reporting agencies also were unwilling to remove the fraudulent claims. According to 15usc 6801 failure to report accurate and correct information. And also disclosure of false personal data and false information.
Product: Credit card or prepaid card

I have consistently made timely payments on this account and have worked hard to do so. It is unacceptable that a late payment has been reported. Please see the attached documents and remove this late payment from my account.
Product: Debt collection

I am formally disputing an invalid debt reported on my credit file by Mutual Management Services, located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX. I have never done business with this company or the original creditor they claim to represent, and despite my repeated requests, no proof of the alleged debt has been provided. This false reporting has severely damaged my credit, preventing me from securing housing and financial stability. Under the Fair Credit Reporting Act ( FCRA ), I request the immediate removal of this inaccurate debt, a full investigation into its legitimacy, and written confirmation of its resolution.
Product: Credit reporting or other personal consumer reports

Request for debt validation, contract with my signature with collection agency, proof of licensing to collect debt in the state of Florida sent Certified Mail. Collection Agencies sent a billing statement. No company listed in this complaint sent any validation and are not licensed to collect debt in the State of Florida
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX XXXX, Hello, I am contacting you to formally dispute the late payment charges levied against my account, specifically related to the late payments on my credit report for payments due in XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX for my Auto loan XXXX. I understand the importance of fulfilling financial obligations promptly, but I find it necessary to explain the circumstances surrounding the delay in payment. 

As you are well aware, the COVID-19 pandemic has had far-reaching effects on individuals, businesses, and the global economy. Unfortunately, my personal and financial situation has been significantly impacted due to the ongoing pandemic, leading to unforeseen hardships around those months.The pandemic had caused disruptions in financial stability, leaving me with limited resources to meet all my obligations in a timely manner at the time. I also called to get assistance with customer service in making payments to catch up on those obligations and those late payments were still placed on my credit report. 

I want to assure you that my intention has always been to honor my financial commitments, and this delay in payment is solely due to circumstances beyond my control. I have actively worked towards stabilizing my financial situation and have taken necessary steps to regain financial stability from that sickness, which has not caused anymore issues in my payments. 

Considering the unprecedented nature of the COVID-19 pandemic and its widespread impact and the Hero Act Section 110401, helping consumers not have adverse affects on credit reports due to the pandemic. I kindly request that you review my situation and reconsider the late payment charges on my credit report and fees. I understand the importance of maintaining a good credit standing and wish to rectify this situation as soon as possible. It would be greatly appreciated if you could waive or reduce the late payment charges and take them off credit report, which would significantly alleviate the burden I currently face.
Product: Debt collection

With these authorities/leasers, this account had no record that ever belonged to me. I have tried several times to contact them to ask for evidence of ownership, but they have not given me the requisite paperwork to show that I actually own this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

the violation repo is an FTC violation sent to the police dept and the creditors
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received several unauthorised inquiries on my account since the beginning of the year I have asked for numerous times to get help to no Avail. There are also several clothes on authorised accounts which I try to get help with also to no Avail
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights ton privacy and confidentially under 15 USC 1681. 

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, often than records of conviction 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 card

An air conditioner company requested we pre-apply for an interest free ( 1yr ) credit card to have an air conditioner installed. We applied and were approved. The air conditioner company incorrectly installed an air conditioner unit which took over three months. Once it passed township codes inspection the company failed to return to fix damage they caused and to fix a leak still on the air conditioner unit. The contractor charged the prepared credit card the full amount stating they tried to contact me to repair the damage they caused which was not true. The credit card company was advised and sided with the contractor refusing to only charge my account the balance minus repair work I paid another contractor to complete the job
Product: Credit reporting, credit repair services, or other personal consumer reports

On todays date, I reviewed my credit report for Experian. I noticed that there are names listed incorrectly on my credit report. My legal name is XXXX XXXX XXXX however ; the names that are listed is XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and several more. I am asking any other names other than my legal name be removed as I never provided this information. On credit report it has a listed spouse name XXXX no last name but I have never been legally married. Please assist me with removing this information.
Product: Credit reporting or other personal consumer reports

my information was sold and bought illegally because i am a victim of the XXXX data breach.
Product: Mortgage

This is a dispute to case number XXXX. 
I received a response from Chase sharing that they closed my file due to lack of response in XX/XX/XXXX. Chase provided XXXX letters [ XXXX letter dated XXXX/XXXX/XXXX with a deadline of XXXX/XXXX/XXXX and a letter dated XXXX/XXXX/XXXX with a deadline of XXXX/XXXX/XXXX for additional information. I submitted said information on XXXX/XXXX/XXXX as evidenced in this attachment. 
In addition, the criteria for information being requested continually changes : 1. I was told that I would need to justify non-payroll income. The underwriting returned my file to justify a deposit that was a payroll deposit in XX/XX/XXXX and XX/XX/XXXX. Each time I provided documentation. In essence, if I provided documentation that it was a payroll deposit in XX/XX/XXXX, I do not understand why I would need to justify income again on a criteria that was not part of the original criteria. 
2. I received another letter dated XX/XX/XXXX, I was told that I would need to justify deposits over {$1000.00} that are not paychecks with the submission of XX/XX/XXXX and XXXX bank statements. I provided the bank statements. I did not have any non-payroll deposits. 
Approximately, two and a half weeks later, I received another dated XXXX/XXXX/XXXX that I needed to justify spending over {$1000.00} on my bank statements and another copy of my thrift savings account. 
3. On XXXX/XXXX/XXXX I received another letter my chase stating that my file was suspended and need to justify I took a loan out on my TSP account in XXXX. My supporting documentation shows that my loan was taken out in XX/XX/XXXX and not XX/XX/XXXX. Furthermore, this is the same loan documented at the time of my original assumption request back in XXXX. Chase is also asking me to justify information that is public knowledge ( i.e ) the terms for General Purpose loans with the TSP. I would also imagine given the volume and number of loans originated by Chase, their underwriting professionals know rules and guidelines an individual can have for TSP loans based on the type of loan.
Product: Credit reporting or other personal consumer reports

I am requesting a formal debt validation request, sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g, Sec. 809 ( b ). In accordance with my rights under 15 USC 1692 ( e ), which prohibits false, deceptive, or misleading representations in debt collection, I dispute this debt and request validation through the following documentation : XXXX. A complete and detailed explanation of how you calculated the total amount you claim I owe, including all interest, fees, and other charges. 
XXXX. A complete accounting of all money paid or credited to this account, from the initial statement showing a zero balance through the final statement from the original creditor. This should include : o All payments made o All interest charges o All fees assessed o All other charges or credits XXXX. The exact date of the last payment received on this account. 
Under the FDCPA, you are required to cease all collection activities until you provide the requested validation. Any collection attempts during this validation period violate the FDCPA, Section 809 ( b ). 
XXXX XXXX - XXXX XXXX account # XXXX
Product: Credit reporting or other personal consumer reports

XXXX account XXXX Reporting to my report as a collection account and it does not belong to me the last 4 of the social on the account is deff then mine also. I submitted a dispute and was told it was not on my report in the letter a received which is not true it instead is reported as XXXX XXXX XXXX  in the amount of XXXX $ collections account.
Product: Debt collection

On XXXX XXXX XXXX I received an email stating that this account ending in This account XXXX XXXX with CCS Collections has been verified. I have disputed this alleged debt with CCS collections. I have no recollection of this alleged debt. After repeated request for the following documents to validate this alleged debt, I have not received the requested documents and yet this item is still being reported to the credit agencies. These items include : 1. The original contract with the original creditor with my picture and my signature 2. The complete and unredacted purchase agreement showing when this alleged debt was purchased and how this alleged debt is somehow tied to me 3. Any and all payment history regarding this alleged debt. The company CCS Collections stated in there response to an earlier complaint that the did were not able to identify the account, however the company did not hesitate to add this to my credit report ( s ). I have attached a copy of the reinvestigation that was done by XXXX and the company is aware that there is an active dispute with XXXX. I have requested that a copy of the aforementioned documents to help me understand the validity of this debt.
Product: Debt collection

Started with XXXX XXXX XXXX paid off all equipment in XXXX, and then received a letter from Zion 's explaining we owed {$1900.00}. We received a call in XXXX from XXXX during XXXX that card on file had expired, said we owed {$230.00}, we agreed to pay this amount to stop the XXXXXXXX XXXX and continue to pay the equipment. The equipment was financed with XXXX and was being withdrawn from bank account ending in XXXX through XX/XX/XXXX. The equipment was paid in full at this time, {$1400.00}. We did not get any other call from XXXX, then we received the collections notice from Zion 's on XX/XX/XXXX, claiming we owe the {$1900.00}. We attempted to contact 3 times to dispute, and we were told we had to pay this debt. However, per our records and all of this information, we feel we do not owe any of this debt, aside from {$230.00}, which we are willing to pay. XXXX refuses to deal with us because they sold the debt and now Zion 's is demanding money that is owed or sending to collections on XXXX Nothing was received since we spoke to them in XXXX, then all a sudden we are in collections and Zion 's is not allowing us to dispute, even saying in an email, the do not talk on the phone. It seems like it is scams. We wanted to get this resolved immediately and now we are concerned about this this because nothing is adding up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account status show delinquent was it was never late. 




XXXX XXXX XXXX. 
Account Number XXXX Account Type Installment Loan Terms 51 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Current, was past due 30 days four times Status Updated XX/XX/XXXX Balance {$13000.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment {$800.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX - Company Sold-to - Original Amount {$31000.00} Comments - Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX failed multiple times to properly suspend my account due to me being on XXXX XXXX military orders. Now it is in the hands of debt collectors once again. In XXXX of XXXX I have reached out to XXXX to me being contacted by a debt collector agency. I sent a copy of my military orders through email once again and supposedly the issue would be resolved and the account would be disputed. The collection account stopped appearing on my credit report but as of XX/XX/XXXX it is appearing again. XXXX still hasnt suspended the account and I ended up losing my phone number. Reached out as of today, XXXX and XXXX basically told me they cant do anything about it since it with debt collectors now. Debt collector company is IC System. And XXXX put it back on my credit report without my acknowledgement which goes against 15. U.S.C. 1692C.
Product: Checking or savings account

I sold my home in XXXX and received a wire payment from the title company. I was paid $ XXXX too much. On XX/XX/year>, I personally paid and sent the wire back to the title company for this $ XXXX dollars the next day when I could get to a local branch. Then I continued moving from XXXX XXXX XXXX alone with my XXXX  in a rental car. On my drive to XXXX my FATHER, whom is NOT on any accounts with me and never has been received a phone call from Wells Fargo informing him my account was compromised. My parents were both with me in this XXXX XXXXXXXX to help me move. Im handed the phone and asked to come into a branch. Since it was a weekend and Im driving through XXXX  I wouldnt be able to stop until the next day when I have arrived in XXXX 
I walk into a Wells Fargo Branch and Im told my account is being closed. I cant access any funds and will have to wait until XX/XX/XXXX to receive a paper check! A paper check would be automatically sent to my OLD ADDRESS in XXXX  After XXXX hours, countless phone calls to risk management and working with a bewildered Branch Manager XXXX XXXX ( Wells Fargo XXXX location ) we have been told XXXX EXTREMELY different explanations as to whats going on with MY MONEY! I had no access to funds, my accounts compromised, my life has been hijacked and Im missing a lot of money from my account. Finally, we get the funds to be released and I have to ask family members to hold my own money. The missing money, Im told will be investigated but nothings been done. Meanwhile, its been weeks and I have no answers so I keep calling and finally make a claim for missing funds. XXXX days later theres a credit issued to a Wells Fargo account that Im allowed to open. ( Ive been flagged by XXXX XXXX and have no answers as to WHY!!!! ) I cant open another account because such FLAGS are on my name and I dont know What the heck is going on!!!! The next day, my provisional credits are reversed and the account is now negative on a weekend and yet who can give me answers? Nobody!!! This bank is the absolute WORST COMPANY and are thieves themselves! I want my missing charges returned, fix whatever the XXXX FLAGS theyve attached to my name and I letter of apology for leaving me without any money, any resources and all the XXXX theyve caused to my XXXX our life has financially been ruined over assumptions, miscommunication on their part and nobody seems to know whats going on! They NEVER FOLLOW UP and NEVER have ever told me or the branch manager a valid explanation for any of this turmoil! Its insane!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file.. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are ( XXXX XXXX XXXX  ) and XXXX. I am a victim of identity theft and did not make the charge.I have never had an open account with either of the companies listed and it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. The items are listed below with the account numbers. I have contacted all three bureaus multiple times by phone, mail and by filing numerous complaints. Please remove the following items from my file. 

Account name : XXXX XXXX Account number XXXX Account date reported : XXXX XXXX Balance : {$0.00} Account name : Sources Recievables MNG Account number XXXX Account date reported : XXXX XXXX Balance : {$1200.00}