23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I switched insurance companies at the end 2018 ( XX/XX/XXXX ). They must have sold the debt to a third party and asked for incorrect amount
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, there are accounts with XXXX XXXX that are not mine, these accounts are fraudulent and are not in my name. I have contacted XXXX and they confirmed that these accounts are fraudulent and I am not liable for these accounts. 

This is a formal dispute on these accounts since they are the result of fraud. Please cease and desist all reporting of these accounts as they are fraudulent. 

I have never had a credit card with XXXX and therefore any account with XXXX has to be removed.
Product: Money transfer, virtual currency, or money service

Last month on between XXXX XXXX XXXX, I just know it was the last XXXX of the month because I got paid that day. My phone was stolen and unfortunately I did not have a passcode on my phone during this time because my phone has never been out of my sight until that day. My debit card ( from regions ) is linked to my XXXX XXXX or XXXX XXXX. Although, I was unable to get my phone back, later in the day, I was able to use my sisters phone to log into my XXXX and once I did, I noticed that I had several transactions appear from XXXX XXXX. The person who stole my phone sent numerous transactions totaling {$420.00} to an email that I have never seen or interacted with and when I XXXX the email, it was obvious that the email was fraudulent. Upon learning on what was going on I contacted Regions to dispute a transaction and I got met with call back on Tuesday until it shows up in your account. I called the following Tuesday and explained what was happening and how I had to cancel my debit card, how XXXX XXXX blocked any further transactions, etc. After this conversation I was refunded the money ( not really because I was charged overdraft fees and to unauthorized transactions being made ). I thought the issue was resolved but apparently, they were still investing and I didnt have any money in my account and they took the {$420.00} back because it said I authorized it but I literally explained to them how XXXX XXXX works and how my phone was stolen and they didnt care. They said I needed to call back to the claim department to see if something can be done. I was not notified that the investigation was continuing. I have overdraft protection yet they still sent my account into the negatives because I owed them. I honestly have run out of options and they are making me look like a liar just because the transactions were approved by a simple double tap.
Product: Credit reporting 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. 

List of Unauthorized Inquiries 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 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 These companies pull my credit without my permission so therefore I filed a report with identity theft.
Product: Credit reporting or other personal consumer reports

A debt collector is required to provide me with proof of the debt upon request. If they fail to validate the debt, they are not legally allowed to pursue collection actions against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : XXXX/XXXX Account # :XXXX I was never late 60, 90 or 120 days in the months of XXXX and XXXX 2016.
I have always made my payments on time. I am not sure how this happened. I believe that I had made my payments to you when I received my statements. My only thought is that there was a billing error with my statement.
Product: Credit reporting or other personal consumer reports

Someone used my information to open accounts that I had no idea about and some inquiries as well 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 XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I got couple of fraud requests from Venmo. All of those requests came from Venmo email address ( XXXX ). 
When I checked with Venmo, they mentioned it was forwarded by fraudster who was trying to scam me off money. However the email came directly from venmo. 

In addition, while trying to contact venmo and report fraud to make sure I am not scammed, all of the options provided in the help section was inaccurate. There is no direct option to reach when you are reporting fraud. Being a financial company that deals with XXXX transfer, it is really upsetting to see a site having no proper fraud protections and having proper help when fraud is committed. This is something encouraging scammers as they are very little preventions in place set by venmo. 

Not sure how a financial organization can go about with so little protection when consumer privacy and protection should be of paramount importance.
Product: Debt collection

I received a letter from a company called Certified Credit & Collections Bureau, stating that I owe a debt of {$910.00} to XXXX XXXX XXXX. I paid in full any debt that I had to the medical center. Further, I feel based on the letter that I received that the company is a scam. The address listed is XXXX XXXX XXXX XXXX XXXX NJ XXXX. They list a website that appears odd as well ; XXXX and a telephone number XXXX.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX, has violated my rights. 


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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX with the account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX account name XXXX XXXX has violated my rights according to 15 usc 1681 section 602 8 states I have a right to privacy 16 usc 1681 section 604 a section 2. I also state a consumer reporting agency can not furnish your aacount without my written instructions.
Product: Mortgage

A couple of years ago our mortgage loan was sold to a new company. At that time we were struggling to make ends meet so we did a Covid relief program where you dont have to pay mortgage for 6 months. We were unaware that it had to be paid back in full, how would that help our situation in the first place? We were under the impression that it would just turn into a forbearance. So of course we didnt have the money to pay back, so they scared us saying they would foreclose our house if we didnt do a loan adjustment. This loan adjustment put our interest from 4 % to now 8.25 %!! Now that is a huge jump and puts us in an even bigger financial struggle. We were paying XXXX a month and now were paying XXXX a month. They do not want to help us, rather XXXX XXXX  and take whatever they can from us. They absolutely scammed us and there has to be way to fix this somehow.
Product: Money transfer, virtual currency, or money service

I was a victum of a romance scam. He kept stating he kept having a serious of unfortunate events and needed money. Around XX/XX/2016 he contacted me through a social media called " XXXX XXXX  '' We exchanged emails, numbers and text. Stated his name is XXXX XXXX and lives in XXXX NJ Stated he was an international interior designer. Sent me pictures of what he claims to look like. Eventually he claims he went to XXXX with son and things kept happening. His wallet got stolen and had no money, need money for food, father was sick needed money for medical bills, father died needed money for funeral. Had no money so claimed doctor took his son to XXXX with him. Needed money to feed son. I have been still in contact with him superficially because I want him to get caught and stop. He does not know I know. Through Moneygram I have sent money to XXXX XXXX Louisiana, XXXX XXXX to XXXX, XXXX XXXX Texas, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas. I have sent over {$15000.00} to several different people. He claims his name is XXXX XXXX. I have receipts.
Product: Credit card or prepaid card

On XX/XX/2019 an overpayment was made to my XXXX XXXX  credit card. They will not give me my money back which is {$1900.00}. I have multiple voice recordings of their customer service telling me the check is in the mail. I am headed to court to start a suit against XXXX XXXX. Regulation Z states any overpayment money is to be returned to the credit card owner. Ivebeen asking for my own money scince XX/XX/XXXX. Theres No fraud, they know who I am. Ill even show them my liscence at a store if need be. Its utterly ridiculous to make me jump hoops. We will be in court. Thank you, XXXX XXXX
Product: Debt collection

I do not have a contract with RMP. I have asked for validation from this company and have not received one that answers the questions that I have asked. They have only sent me letterhead documents that say that I owe a debt. I have disputed all RMP accounts with all 3 credit bureaus that have shown up on my credit and the credit bureaus continue to state that RMP has validated the information but has not sent me anything that validates that the debt that they are reporting is mine. The credit bureaus have deleted most of the accounts that this company has placed on my credit report because they were unable to verify the accounts and provide me with the information that I requested. I am asking for validation of the account with signed Hipaa document that releases any medical records to this company and a copy of any medical records that this company states that they have. I have requested in writing via certified mail for the following information and still have not received anything I have contacted the following credit bureau ( XXXX ) and they have reported that this account is validated and I have not received any information personally that shows validation of this account and I have requested it twice. This is my last option and then I may have to retain a lawyer to see what can be completed. I received a response from better business bureau stating that this request has been deleted on XX/XX/2018 but it has not and is still being reported as valid account.
Product: Checking or savings account

I received a letter last week about a checking account being charged for inactivity for months. I had no idea I even had this account with KeyBank, as I closed out all of my accounts there months ago. I went into the bank to investigate, as I have had many online account opened not by me at this bank previously. The branch member told me he would investigate and get back to me. A couple days later he contacted me saying he could n't find any info about it. I informed him that I received a bank statement for this account. He looked it up and informed me it was opened online out of a branch in XXXX XXXX and told me the name of the person. I do not know this person. He told me he would further investigate. I did not hear back from him so I tried to contact the Fraud Department, which Customer Service after 25 minutes would not transfer me to. The branch member contacted me and stated I needed to come in and file paperwork with him directly. He would try to get the maintenance fees and inactivity fees refunded and then close the account and give me the balance, but only once it is confirmed by the fraud department. I have taken multiple vacation days to deal with these issues. I now may be out {$580.00}, and still nothing is settled. I had asked them months ago to put in place no online accounts be allowed to ever be opened, but it seems that did not stick. They keep insisting I must have identity theft, but as I had to purchase XXXX because of this, no other activity has ever been found.
Product: Student loan

I was an student in XXXX in XXXX Texas school close because fraud and they charging me the loan I was there around 9 months, I contact customer service and they say it will take them up to 18 month for an answer to move that of m credit report because in collection at this moment
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 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 XXXXXXXX, 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, credit repair services, or other personal consumer reports

I have looked at my consumer report XX/XX/2021 and I realized that my rights as a consumer were violated. Pursuant to FCRA 15 USC 1681b ( a ) ( 1 ) I have never given the consumer reporting agency any written permissible purpose to furnish any of the accounts that I disputed. Also they have violated 15 USC 1681a ( 2 ) ( b ) by not excluding such accounts that had anything to do with my credit card which is also my security card according to 15 USC 1602 ( i ). I sent a letter to the company explaining their violations and that they must remove any of the accounts that had no permissible purpose or had any association with my social security that I do not want on the consumer report and I have the LEGAL AND LAWFUL RIGHT to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry from Regions Bank that I did n't authorize from XXXX 2016
Product: Checking or savings account

this my story Ok I have done business with PNC Bank for years ever since I can remember. 
Also, it all started that somebody texted me and claiming that they were a celebrity and that person told me in order to get two new cars and some money I had to pay a fee and what I mean is I had to pay transportation cost and fees with apple gifts cards and so being that said I spent over {$1000.00} plus in gift cards alone back in XXXX  in the summer time thats how it started and after I made those payment to that person who claim to be a celebrity is a fraud, Also one day I was trying to log in into my PNC checking account and I was not able to get in my account in which did not notify me that they was going to shut my checking account because it was a possible it was fraud, but the fraud Department called me back and ask me what transactions I made I told then like groceries, or gas for my car at the time and so I try to tell them the other transactions was somebody elses and so the PNC bank treated me like a criminal claiming it was me in which was not doing the scam in which I did not. 
so I try to come back to PNC bank but the refused and so I feel they the PNC headquarters representative treat really.bad
Product: Debt collection

On XX/XX/2019 I spoke with the collection agency CKS financial. We had agreed that if I paid the account in full, the account would be deleted from all 3 of the credit agencies. I have attached a recording of myself and a representative/manager for CKS financial agreeing to submit the removal of the account. I am 35 days from closing my home and this is really hindering my ability to move forward. The only reason I agreed to pay it all in full was because they agreed to have it removed. As a pay per deletion agreement. It's pointless to have the account just reporting as Paid in full and still remains in my credit file. Please listen to the recorded file I have attached where manager agrees to remove the account. 
I have also Attached a receipt where the account was paid.
Product: Debt or credit management

My XXXX business account was hacked, they inserted a new downstate NY address and had laptops sent there, we are upstate. PayPal paid the seller, we stopped payment from our bank to PayPal so we have a - {$3800.00} balance at PayPal. We did everything they asked us including a police report. Its been months fighting between XXXX and PayPal. XXXX says theres nothing they can do because I opened up the dispute with PayPal and its up to the financial institution but PayPal ruled against us and is demanding {$3800.00}. Now our account is closed and Im in PayPal collections. PayPal says I need to pay the balance and only then can I reopen the dispute online. Weve been doing business with XXXX and PayPal for XXXX years without a problem until this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Regions bank held my check I Mobile deposit for 10 days the. After the 10 days they claim they needed more time and couldnt verified the check I verified the check from the lawyers office in minutes. I called them on the phone to file a complaint and to release my funds after about 3 weeks they did with a letter that I still have 1. I had checks and payments out buy the time they unfreeze my account I had over drafts and mind i regions falsely advertised that they give a {$100.00} overdraft cushion 2. I went in the bank with all my documents and they saw the check was good and I explain to the bank manager that because they freeze my account payments went through and no money was present to this day I have not gotten my over {$200.00} in overdraft fees replace 3. Because they overdraft my account when I gave them a verified check and all documents 4. The bank claim because I used their mobile deposit thats why my check was flagged thats crazy regions bank made the app for mobile deposits not the consumer. So we are getting punished for an app regions bank made 5. I have never had any issues of fraud or anything to my account so this is kinda strange that all of a sudden every check I put in there has a 10 day hold and so forth 6. Now its been over a month and my fees have not been replace. They took their fees causing my account to over draft when they knew good and well the check was good
Product: Credit card

I have 4 credit cards with capital one, 4!! And I tried to pay them off almost completely on XX/XX/XXXX. The next day 3 of them showed the payment and the new available credit. 
The card ending with XXXX has not showed the available credit, and they said for some stupid reason they put a 5 day hold on the payment!! It has cleared the bank and in their system it has NO PENDING TRANSACTIONS!! I paid {$800.00}! And they will not give me any available credit!! I do not want this 5 day hold on this card, all the other cards didnt have a hold on them!! I want this credit available NOW.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. The items are listed below : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023, XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX Balance : {$2400.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX Balance : {$2100.00} , XXXX XXXX  Balance : {$3500.00}
Product: Debt collection

In recently signed up for credit report info on credit Karma.com and noticed a collections account from a company called IQ International. I have never been contacted by this company in regards to this debt via email, postal mail or telephone. In addition, when I sought them out -calling them inquiring about this debt on my own accord to learn more information on it, the staff member was extremely rude and derogatory. I stated several times that I had never been notifed by her company about this supposed debt and as such I asked to speak to a Supervisor at this time ; the employee refused to transfer my call stating that until we work out a plan to settle the debt, she would not transfer the call. I listened to the alleged charges - when I asked to have a written copy sent to me as I was going to dispute them due to inaccuracy, she refused. I stated that this was unethical practice and would seek an attorney if necessary and she said that my account was " noted '' it would not be reduced, or ammended and must be paid in full and that she would not send out any documents to me so have my attorney call them,