23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX of XXXX I received a collection letter from this scam company stating I owed money for tolls to the XXXX. I do not have an XXXX   account I have a XXXX account and all of my tolls are paid through my XXXX that has been on my car since it was registered. 

I asked them to validate the debt in XXXX, they couldn't and they stated they were closing my account. 

In XXXX I received another letter from them stating I owe {$160.00} with a " new '' account number on it. 

Once again I disputed the debt but this time they actually responded. 

Yesterday I received the attached " validation '' letter from them where they now claim I owe {$1000.00}. 

Somehow after I exercised my rights under FDCPA they added {$840.00} to the total they claim I owe. 

Either they have no idea what they are doing or they are purposefully trying to be deceitful and are violating both FDCPA and UDAAP. 

I have also attached my XXXX statements that show I had an account with them from XX/XX/XXXX and it was in good standing during the time frame they provided on this amateurish " Validation of Debt. ''
Product: Mortgage

The 3 day wait rule should be at least optional. The way banks are actually using this rule is just to go through the same blur of complex paperwork before telling the purchaser that there are " 3 days of quiet time ''. They treat it like a XXXX purchase waiting period. There is nothing whatsoever that forces them to make sure the purchaser understand the blur of paperwork. It 's great that people have the opportunity to review, but it 's not used in that way whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX  : account number XXXXXXXX XXXX  : account XXXX XXXX, XXXXXXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : account number XXXX, XXXX/FED LOAN SERV : account number XXXX, XXXX XXXXXXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX : account number XXXX, XXXX XXXX XXXX : account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

I returned the device to XXXX store within 14 days. The device was unopened and never used.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/year>, I fell victim to two multi-layered scam operations run by XXXX XXXX ( The Fraudster ) which involved me making deposits for a total amount of XXXX USD using their services. I was manipulated by the scammer, he deceived me into sending my funds, when he also used XXXX to hack my wallets and steal my money.
Product: Money transfer, virtual currency, or money service

Unauthorized transaction on PayPal that was linked directly to my bank account. I have no idea who the person is that the money was sent to and I'm also scared my information may have been leaked. 

I've looked this person up and some scary documentation comes up. 

XX/XX/2023 approx {$42.00} was sent to an unknown user and taken directly from my bank account. PayPal denied that it was unauthorized.
Product: Vehicle loan or lease

I just got a response from my complaint and there is an addition {$1900.00} for a warranty on my contract, there was never talk that that would be added to my contract I never said I wanted it or asked for it. 

Know they are trying to repo my car and not own up to their mistake and continue to drag this issue out. I've reached out several times before and all they do is repeat and send the same false information to me!
Product: Debt collection

BILL IS PAY in Full and the Representatives from Bull Collection ask for a credit card number of a dollar to remove the debt of my credit and said was I plan on buying a house that he help me if I pay him
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX Phone : ( XXXX ) XXXX DOB : XX/XX/year> SSN : XXXX Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Equifax Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : Accounts from : XXXX XXXX ( XXXX ) : XXXX XXXX  ( XXXX ) : XXXX XXXX  ( XXXX ) : XXXX XXXX ( XXXX ) : XXXX XXXX  ( XXXX ) : And inquiries from : XXXX ( XXXX ) : XXXX ( XXXX ) : XXXX XXXX ( XXXX ) : XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) : XXXX XXXX ( XXXX ) : XXXX XXXX ( XXXX ) : XXXX XXXX ( XXXX ) : XXXX XXXX ( XXXX ) ( REMOVE IMMEDIATELY ) These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer FICO Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Equifax Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : -Attached below are supporting documents -Formal Dispute Letter Detailing My Complaint -Copy of US Driver License ( Proof of Identity ) -Copies of a Paystub & Utility Bill ( Proof of Address ) -FTC ( Federal Trade Commission ) Identity Theft Report
Product: Vehicle loan or lease

When the pandemic happened I asked genuinely for some kind of assistance and asked for deferred payments because I was sick from covid and unable to make my payments or even asked for a smaller temporary payment arrangement. Credit Acceptance was very rude to me and was determined to make it clear that the were unwillingly unable to help me and demanded I go borrow money from somebody to pay my car payments that I was behind on. I felt uncomfortable working with them, I felt like I had no choice and when I got back on my feet I made my payments until I came across an accident lawsuit and purchased a new car from a local buy here pay here dealership. Because I had this new car I called Credit Acceptance for 4 months to come pick up the car because I no longer needed it since I had my new car and it was just taking up space in my grandmothers back yard. They never sent someone to come pick up the car, when they finally came and picked up the car they reported on my credit report that it was an involuntary repossession. I know there are recordings of me calling them telling them to come pick up the car because I no longer needed it and they could stop harassing me to make payments I willingly surrendered the car to them. They also deleted my on-time payments and marked them as unknown/no data. They are shown and seen off of my XXXX and my transunion reports on XXXX XXXX. There is also several inaccuracies such as my balance due, my payment history, the remarks, last updated dates are very inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has sold my information to other company with someone is using my credit with a different number ending in XXXX witch I never had a number ending in. That at All and information also someone has my information to where I have to switch out all my debit cards and bank account also going to places where I use my number it pops up as other people
Product: Payday loan, title loan, or personal loan

Mailed in a {$500.00} money order the tracking information shows the payment was received. 

I was told payments mailed in to the specific address would post when received. My payment has not been posted two workers hung up on me after I began to get irritated with them because my account did not reflect accurate notes because I was in two systems and my name was spelled incorrectly on my initial loan documents.
Product: Debt collection

Last summer, I found out by attempting to set up internet services with XXXX XXXX XXXX in a new apartment that someone had set up a fraudulent account under my social security number with XXXX XXXX XXXX ( but with wrong accompanying information such as birthday ) to secure XXXX XXXX  services at XXXX XXXX XXXX in XXXX XXXX, XXXX  XXXX - account number XXXX. 

I have never lived in the state of Louisiana, purchased XXXX XXXX services, or authorized anyone in the state of Louisiana to purchase anything on my behalf. 

I worked through the fraud process with XXXX XXXX XXXX last summer, culminating in sending a letter to what I thought was a collections agency that they implied over the phone would close the process. 

I'm currently buying a house, and through the mortgage application process have discovered that despite the process last summer, XXXX ( separate from XXXX XXXX XXXX I guess ), sent the same collections debt ( {$610.00} ) tied to the fraudulent account above to a collections agency, Creedence collections, in XXXX and it went into collections in XXXX. 

This is now driving up my mortgage rate more than a percentage point ( several hundred dollars a month for the next 30 years ). The lender I'm working with is saying all they need is a letter from the collections agency stating that once the charge is confirmed as fraud, it will be removed, or to complete the process in 10 days. The collections agency is refusing to do either.
Product: Debt collection

CACH XXXX put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Please be advised this is not a refusal to pay a debt, but a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. CACH XXXX also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. I have no knowledge of this account. I request that you please verify the following information to assist identifying whether this debt is valid : 1. Full original account number 2. Date original account opened 3. Any written agreement ( s ) between myself and the original creditor stating I agreed to pay alleged debt 4. Consumer address at which original account was opened 5. Date of first delinquency 6. Itemized calculation of alleged debt If CACH XXXX is unable to provide the above identifying account information I will have no recourse but to presume the debt invalid and/or fraudulent, request account deletion from all credit reporting agencies, and request that the account not be sold or transferred.
Product: Prepaid card

My payroll direct deposit of {$1500.00} was stolen out of my account between the dates of XX/XX/year> & XX/XX/year>. I contacted NetSpend right away when my direct deposit never showed up, only to find out that they allowed all of my money to be used on fraudulent transactions with XXXX XXXX betting & XXXX food service. Not XXXX time did NetSpend notify nor send me any notification of these multiple transactions. Even though I have my account settings on automatic notifications whenever I make purchases. I immediately filed a dispute with NetSpend customer service team on XX/XX/year> around XXXX. They stated that they have to conduct an investigation before refunding my money. But as of yesterday XX/XX/year>, I contacted NetSpend again and their rep stated that the investigation will not be completed until XX/XX/year> leaving me without my money, no resolution!
Product: Credit card

I paid my Kohls charge of {$72.00} one day late on XX/XX/XXXX ( was due XX/XX/XXXX ). Kohls charged late fee of {$29.00} so next payment was {$100.00} due XX/XX/XXXX. I called to ask if they could remove the late charge since it was only 1 day late, and they said they could. So I paid my usual monthly charge of {$72.00}, assuming the late fee had been removed from my XX/XX/XXXX amount due. 
Received my bill for XX/XX/XXXX, which said i owed {$140.00}, for $ XXXX  monthly payment, plus XXXX late fees- {$29.00} and {$40.00} for second late fee. I called to ask what happened, spoke with rep who said the late fee isn't removed from the current payment due, which is how every other credit card i know of does it, but instead they take it off your " balance. '' So they said i had still owed the {$29.00} late fee when i made the XX/XX/XXXX payment. And because i hadn't payed the " total amount due '' of {$100.00}, they added another late fee of {$40.00} so I now owed {$140.00}. I asked to speak with a manager, the rep assured me he could help, and i had to ask 3x before he put me on hold. Then i was cut off. This was a few days prior to XX/XX/XXXX. 
I looked up Kohls late policy online, and they do not describe how if a late fee is removed, you still have to pay it and it's taken off your total balance. I left a message asking for a copy of their late fee policy to be sent to me, never received it. I called back on XX/XX/XXXX, talked with rep who again told me I owed all these late fees, i asked to speak to a manager, but after answering a few questions he said ok and hung up. I called back again, asked immediately to speak to a manager, was dissuaded by rep who assured me he could help me. He told me the same info about owing the late fees, i explained my side, he told me if i paid the {$29.00} late fee that would bring my account " current '' and he could then help me. So i paid the {$29.00} late fee, and he told me i still owed the {$72.00} + {$40.00} late fee. I asked to speak to a manager again, he put me on hold and then said that no manager was available but he understood my frustration and if i paid the {$72.00} he could wipe out the {$40.00} late fee. So I paid {$80.00}, and he assured me that took care of all that was due and my next months payment would be just {$72.00}. 
But now I received my bill due XX/XX/XXXX and it's showing that I owe {$140.00}, and it shows they refunded me {$20.00} but it should have been {$29.00}. And they're charging me another {$40.00} late fee although i was not late on my payment, and I'm not sure why i owe {$140.00} as my monthly charge of {$72.00} + {$40.00} ( which i shouldn't owe anyways ) would only equal {$110.00}. To be clear, i haven't bought anything with my kohls card, i've just been trying to pay it off, making my monthly payment every month, which is {$72.00}.
Product: Credit card

My social security goes to direct express, this month when my money went in someone went into my account changed my pin number and transferred all my money out of my account, after doing research online this has happened to thousands of other people that have there social security go to direct express.Most say i will never see that money, others say it will take forever, everyone to a man said Direct Express was rude and acted like it was their fault, when in fact they have bad security.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

1. XXXX XXXX Account # XXXX has violated my rights. 


15 U.S.C 1681 Section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also 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 any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, personal loan, or advance loan

I have been trying to change my password information for several months but in order to change my password this company requires that I be sent a code to my phone. They have an old phone number on file so I can not receive the code. I have called to have mycurrent number added and they have said that the number has been updated but no change has been made so I can not log into my account to pay off the loan. I want them to update my phone number info but they are not complying with my requests.
Product: Checking or savings account

i am attempting to link my pnc checking account to XXXX the online savings account and after going through the verification linking process by logging into my PNC account through the service Plaid, it says there are issues and to talk to your bank or file a complaint
Product: Credit reporting or other personal consumer reports

On the months, of XXXX, XXXX, and XXXX of year 2023 I sent over a verification letter to Experian Credit Beraus. I asked them to validate all the accounts on my credit file and they DID NOT. They sent a letter stating that they did which was a lie because how did they validate anything when they couldn't send over anything with my signature on it. Also, I asked that any inquires not associated with an account and is over 30 Days old be removed immediately. THEY STILL HAVE THE ACCOUNTS ON MY CREDIT PROFILE THAT i ASKED TO BE REMOVED. AT THIS POINT, if they dent remove the unverified accounts within 3 days I intend to pursue legal action and litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the unverified items are not deleted immediately.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The XXXX must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Around XX/XX/2019, I noticed fraudulent orders on my account amounting to $ 77+ in pizza. I called Wells Fargo and was informed they would investigate and order me a new card. The very next day 26+ unauthorized transactions appeared on my account. Alarmed, I informed Wells Fargo again about the egregious acts. They again informed me that they would take care of it. 

Now I can't make sense of what I owe and what was fraud. They use an accounting-esque system that uses debit and credits much like accountants. The adjustments they note don't even list the reasoning for it. This is absurd and until Wells Fargo returns my funds, I will be out {$340.00}. I live and reside in the XXXX/XXXX area. How charges in other states went unnoticed is just absurd. Everyone in compliance should be fired.
Product: Checking or savings account

I have Regions bank personal checking account. After opening account for so many days also I can not : 1. Login to online banking 2. NO ATM/Debit card PIN Calling regions customer service toll free # is around 45+ minutes wait and no success even after that. 
I have no idea why Regions make it so difficult for the customers to do something like this. 
Talked to Regions bank on XXXX XX/XX/2021. No success. They sent an email to reset the ID etc ... but nothing works.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 inacurate accounts reporting that need to be investigated and deleted, 2 lates and one account that does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a charge off do to come off my credit report ( Experian, other credit reporting companies have not been checked for this ) in XX/XX/2019 - XXXX XXXX, the company the charge off is with, Illegally change my credit report to the charge off to have occurring in XX/XX/2019 and adding 7 more years to this account - Falsely changing an account constitutes fraud - Best resolution is not only this account comes off my credit report immediately but XXXX XXXX be restricted from reporting to the credit bureaus since apparently they have a dept dedicated to performing fraud by intentionally falsely changing data to harm the public.
Product: Payday loan, title loan, or personal loan

In XX/XX/2018, while in the XXXX XXXX XXXX at XXXX XXXX Hospital in XXXX XXXX, attending my extremely ill daughter ; this company continued to call me and offer to help me with a loan. The NEVER, explained tbat I would pay 4 times what I borrowed. After paying them well over and above what I borrowed, I called to ask why my balance is so high? Their response was I am not paying down my balance only parts of interest. I stopped paying by changing my bank account. Now, I want this company to remove this monthly statement of late payment to them when the account is closed. For two years they are waiti g for a month 's payment