23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have received several threatening calls, my employer received them as well as family and EX family. I have repeatedly told them if they have something for me to feel free to mail it to me certified mail and I will be happy to respond but to never call me or anyone involved with me again. They have continued to call. When i confronted them they asked m in a laughing tone if I was sure I knew the law regarding what they were doing and I said I did. They mocked me and laughed and said they would continue to call.
Product: Credit reporting

I am complaining against chexsystems today because I am having issues with Idenity theft. I have ordered my chez-systems on several occasions and just received it on XXXX XXXX. I called the number listed and I am being helped by some type of outsourced employees who are of no help at all with the issue I am dealing at hand. I am having a big problem with Identity theft to the point where I have gone to social security requesting to change me social security number because this has been an ongoing deal. There are several fraudulent attempted account openings in my name where it has left me with fraudulent inquiries on my report. I refiled another police report with the XXXX XXXX Sherrifs department and I have tried to get some help from Chex-systems in getting these removed but the incompetent employees answering the phone in chex-systems is not helping me. I am going to attach my police report Via CFPB portal and the fraudulent inquires on my chez-systems are as follows. 

1 ) XXXX XXXXXXXX2 ) XXXX XXXXXXXX3 ) XXXX XXXXXXXX4 ) XXXX XXXXXXXX5 ) XXXX XXXXXXXX6 ) XXXX XXXXXXXX7 ) XXXX XXXXXXXX8 ) XXXX XXXXXXXX9 ) XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My current address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX. Any other address listed amongst the major XXXX bureaus XXXX, Equifax XXXX XXXX and the secondary bureaus XXXX XXXX XXXX XXXX etc. is inaccurate and needs to be deleted immediately.
Product: Credit reporting

My identity was recently stolen and the fraudsters have attempted to use my identity to open a number of credit accounts with retail establishments such as Macys, XXXX, XXXX XXXX, XXXX XXXX, XXXX, etc.
Product: Checking or savings account

I own a company, I zelled myself money from my business account totaling {$1900.00}. One day I was locked out due to fraud reasons, I was told I would receive a letter, that was over two weeks ago, I have not received this letter, and upon further investigation on my end, I came to find out, that Citi bank does this a lot to people. I only had the account open since maybe the first week of XXXX of 2024, after about a week, I was locked out of my account and couldn't access any funds. The bank isn't helping me on this matter. I want access to my money. I have called 5 different times and got through to the security department, and the fraud department tried saying the other department is the one to help me, basically giving me the runaround and not transferring me to a supervisor. Today is XX/XX/year> and I still have no access to my money, I have been locked out since the XXXX, and that's when I tried to access the funds. On XX/XX/year>, I tried to call Citi Bank and that is when I was transferred from department to department, I was unable to get help or this resolved so I contacted my bank for help. On XX/XX/year>, my bank told me to contact the XXXX number on the back of my card and dispute the transaction, unfortunately, they were closed and I had to call back Monday morning and I did. My bank started the dispute, however, it was denied today.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau service is reporting unauthorized inquiries on my credit report on XX/XX/2019. The inquiries are from the following companies : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. They are also reporting unauthorized inquiries on my credit report on XX/XX/2019. The inquiries are XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX. I have sent two certified letters to the credit bureau and received no response at all. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a severe breach of my privacy rights. The credit bureau has failed to respond to my request to provide me with validation that I authorized these inquires. They also failed to remove the inquiries as requested. The credit bureau has violated the Fair Credit Reporting Act by not responding or taking either of these actions within 30 days of receipt of my certified letters. I am requesting that the credit bureau be investigated and that the inquiries be removed from my credit report immediately.
Product: Debt collection

I have informed numerous times verbally and in writing, Aargon Agency not to contact me. I do not have an account with this company nor do I owe a debt. Aargon Agency has I do not wish to be contacted about this alleged debt any further except to be notified that future collection efforts are terminated. 

I have kept accurate records of all phone calls and voicemails from this company, and this is my formal complaint for violation of my consumer rights. One the following dates, I have received messages left on my personal phone voicemail : XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  I have requested phone records of the number of calls in which I have answered. 

I am demanding cease of ALL communication, including deletion from any and all consumer reports, payment for the above noted violations, and confirmation of this remedy in writing within 15 days. 


Thanks
Product: Student loan

On several occasions I have attempted to come to an agreement for a repayment plan now being in the military and they have explained, " we have no military benefits available ''. 

Recently I have been redirected on occasion to XXXX XXXX XXXX while attempting to reach Navient. I am not sure if Navient is selling certain loans off or if they have simply created another entity in order to avoid yet another lawsuit.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove this inquiry reported only in my XXXX credit file. 
XXXX XXXX XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Chase acct XXXX was setup in my name. A business controls it and using it. 

Now they say a business controls it. I have ro pay XXXX to get the business released and XXXX fees for getting them money. plus they say they cant wire it to another bank plus rhey require id.me verification which is hard to get
Product: Credit reporting or other personal consumer reports

i checked my credit report and noticed i had inquires i didnt make or authorize XXXX XXXX XXXXXXXX XX/XX/XXXX and also XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

This is a continuation of my first complaint that is still open. The complaint is with PNC Bank and XXXX XXXX, XXXX XXXX XXXX, XXXX has attempted repost my payments that have been posted incorrectly, however I made a payment today and AGAIN the payment was posted incorrectly. I will be sending her notice of this as well. PNC needs to be investigated!! 

Thanks, XXXX XXXX. 
XXXX file #
Product: Credit reporting or other personal consumer reports

A request was submitted in XX/XX/ to have this inaccurate reporting removed from my credit report and they responded claiming this account was accurate. 

I am not liable for this debt with XXXX XXXX XXXX XXXX for {$15000.00}. I do not have a contract with National Credit Systems Inc. They did not provide me with the original contract as requested.
Product: Credit reporting or other personal consumer reports

I am writing to demand the immediate and permanent removal of fraudulent accounts from my credit report. These accounts were opened without my knowledge or consent, and I am a victim of identity theft. I have filed a report with the Federal Trade Commission ( FTC ), and I have attached my FTC Identity Theft Report as documentation of the fraud. 

The fraudulent accounts that need to be permanently removed from my credit profile are as follows : Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Card Services Date Opened : XX/XX/XXXX Account Name : XXXX Bank Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Associates Date Opened : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ) and the Identity Theft Enforcement and Restitution Act of 2008, I am entitled to have these fraudulent accounts permanently removed from my credit report upon providing the required documentation. As such, I request that these accounts be removed immediately and permanently from my credit file.

I expect written confirmation of the permanent removal of these accounts from my credit report within the time frame required by law.
Product: Money transfer, virtual currency, or money service

Heartland payment systems began charging me more than an additional {$120.00} per month on my credit card processing services. We had an agreement at $ XXXX/mo which soon turned into {$95.00}, then as of XXXX became {$220.00}, no, they have charged me this for 5 months, totaling over {$620.00}. They claim this is because I did not take a " survey '' I have spoke to my representative from heartland, after a year and a half, he tells me, well you didnt get the notification, because we had the wrong email address on file. So now i have {$620.00} tied up, my rep cant get my money refunded, and they are still charging me monthly.
Product: Mortgage

I would like to report Magnum Association services XXXX. I have tried several times to contact them about a lien that they have placed on my property. The amount has been paid in full years back and my account is current. The lien has never been removed and it has caused great damage to my property status, The HOA, ( XXXX XXXX ) has directed me to this law firm to correct the problem and no-one has taken any  action.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt or credit management

reported information on my credit report that came from a creditor which I believe is illegal so I am requesting the items to be removed from my credit report
Product: Credit card

I have had a dispute open for more than 3 months now. It has been escalated for 94 days, on XX/XX/year>. I have had several Venmo support agents tell me I would be emailed from the Account Specialist team at Venmo in XXXX hours several times. I have not received any email about this since XX/XX/year> and XX/XX/year> that stated they reached out for a response from the merchant, and then that they received a response from the merchant. The merchant I disputed, Amazon, emailed XX/XX/year> me saying they responded and that they approved the dispute refund and responded to the Venmo dispute. It has also been more than 50 days since I received an update from Venmo telling me the seller responded. Which they said was the timeline for the dispute. Then I asked a few weeks later and they said there would be another wait with no date given. I just talked to them again on XX/XX/year> and they said now its in " pre-arbitration '' which is yet ANOTHER 50 day timeline that the seller has to respond AGAIN. venmo support also suddenly told me they havent gotten any responses from them AT ALL. which is contradictory to what they told me multiple times before, as well as multiple other inconsistencies and lack of communication.
Product: Debt collection

A Certified/Return Mail was sent to this creditor, Chrysler Capital requesting that the account # XXXX since XX/XX/2015 they're reporting on my credit profile does not belong to me and it's impeding on my ability to move forward in order to secure any measurable job ; and the consistent lack of credit extension to me by potential creditors. Chrysler Capital must delete this unfair and erroneous information from my credit reports with all the Credit Bureaus with immediate effect per the FCRA and the FDCPA. 

Thank you, XXXX XXXX
Product: Debt collection

I've tried to explain to these people this isn't my debt, but they keep sending me collection letters. The last one was on XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a credit line increase on my  XXXX  credit card. They said they would need to run my credit  (  hard inquiry ) to handle my request. I explicitly denied such authorization to perform a credit inquiry. However, they did run my credit on  XXXX / XXXX / 2017  and increased my credit line. I contacted them again complaining about such unauthorized credit inquiry. They reverted the credit line increase right away, and they sent a communication to the credit bureaus to remove that inquiry. They advised me to wait a few weeks or proceed to submit a dispute to the credit bureau. They insisted they ca n't be responsible for the information on my credit report, which is silly because the original error accessing my credit report without authorization was from them. Then, I contacted Equifax disputing the credit inquiry on my report, explaining all the situation, Confirmation Number :  XXXX . The status of that complain is " Completed '' and the result was " N/A ''. I have also contacted multiple times  XXXX  with no answer. In summary,  XXXX  performed an explicitly unauthorized access to my credit score, violating my rights, and perhaps violating the law, and they are not doing anything to fix it. Equifax denied without major reasons my request to fix this, in spite of the supposedly communication sent by  XXXX  reporting the inquiry as erroneous.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX XXXX / XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections.
Product: Debt collection

This. Company has called me leaving messages saying they are " XXXX XXXX ''. In some days they have called XXXX times per day with the same message. I'm not sure if this an auto dialed call or if XXXX XXXXXXXX somehow forgot she already called my number .... Multiple times. Also I find repeated and continued phone calls not only abusive but harassing. 

This company has also tried to use vague and threatening tactics discussing what they could do to my XXXX XXXX of I didn't pay. 

Their repeated, harassing, and threatening calls and tactics disrupt my day and use of my phone without
Product: Credit reporting, credit repair services, or other personal consumer reports

BANK OF AMERICA SOLD TO XXXX XXXX XXXX AND WAS INCLUDED IN MY CHAPTER XXXX BANKRUPTCY XX/XX/XXXX, DISCHARGED XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, myself, the consumer has attempted to communicate with the company about the furnishing of a bankruptcy on my consumer report. I have concrete evidence that my consumer rights were violated, yet my disputes are being ignored.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I deposited {$120.00} in my account in XXXX, the promise was that it would arrive on the XX/XX/XXXX on my account. The money did not arrive in my account. The next day, on the XX/XX/XXXX, I contacted the chat with XXXX XXXX who asked me for some information, and said it had been sent, I said I didn't receive it. Then the person ( XXXX ) told me to send the bank statement through the application, I couldn't, ( due to problems in the application, an error message appears ) .I asked if there was another way, so XXXX gave me the email, but After sending, I received an email saying that " the service was temporarily unavailable. '' When I went back to chat to inform this, XXXX didn't answer me anymore, and I couldn't send any more messages for " some reason. '' I tried to send the statement again through the app and I got it .Well I hope with the extract in hands this problem is solved, or I want my money back!
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I recently took a look at my credit report and noticed a lot of unauthorized inquiries.
Product: Vehicle loan or lease

In XXXX XXXX XXXX  I signed off on a lease through US Auto Sales in XXXX XXXX 
My original contract was set up for 3x the amount the car was worth. Its a XXXX XXXX XXXX the car is only worth XXXXXXXX XXXX  at most. At the initial contract signing I tried to negotiate with us auto and put quite a large sum down for the car itself. My loan is over XXXX for a XXXX vehicle. I pay over XXXX XXXX every two weeks. Westlake portfolio management took over my contract and they wont even let me see what all was changed. The contract was switched without any notice and I didnt sign anything to have it transferred. tried to switch to monthly payments and they wont help me with this either. Not only is this a huge scam, its downright awful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, Experian and XXXX has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of XXXX XXXX XXXX XXXX XXXXXXXX i believe it was reported in error. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$230000.00}
Product: Money transfer, virtual currency, or money service

I sent {$100.00} to the wrong recipient using Cash App on XX/XX/22. I followed the instructions in the app to dispute the transaction and request a refund and the other party simply hasnt responded. CashApp makes no efforts to investigate or resolve disputes like this. In fact, even after contacting support they declined to call or text or send an email to the recipient asking for them to verify the error or acknowledge or process the refund request.
Product: Checking or savings account

Someone gained access to my credit karma money account and drained my account. I've called them at least XXXX times trying to get it resolved. They won't help me. They are the worst XXXX company in regards to checking accounts out there.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I submitted an application for a rental property company denied me per email I requested my report that has not been provided to me.I have contacted the individuals XXXX XXXX XXXX ) that hired third party ( RESOLVE ) to conduct background and credit check. I feel that are discriminatory due to the fact that they are telling me to contact someone that they hired to conduct a check on myself. I have contacted Resolve on several occasions in which I have left a message sent emails and spoke w/a representative yet I have not received the denial based on my report. Perhaps criminal activity is going on with this company with my information.
Product: Debt collection

I sent a certified letter to XXXX XXXX on XXXX XXXX and it was signed for on XXXX XXXX and a follow up letter was sent on XXXX XXXX and was signed for on XXXX XXXX. I formally disputed this account and I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I requested " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. all they sent was a printout of a online statement that had no signature By law, XXXX XXXX did not supply the info within the 31 days required by law validating the dispute nor did they mark the account disputed in the required amount of time