23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I do not have a contract with this XXXX XXXX. I have never signed a contract with them  and I am not liable for any debt associated with this company. I have requested through all 3 credit bureaus for validation of this account with a signed contract from me obligating myself to this company and have never received from this company.  I am not responsible for the alleged debt. I have asked the credit bureaus all 3 to obtain the following information. • What the money you say I owe is for: • Explain and show me how you calculated what you say I owe: • Provide me with copies of any papers that show I agreed to pay what you say I owe: • Provide a verification or copy of any judgment if applicable: • Identify the original creditor: • Prove the Statute of Limitations has not expired on this account: • Show me the you are licensed to collect in my state: • Provide me with your license numbers and Registered Agent and Signed contract with my signature. I have been victim to identity theft and have been victim to scams related to alleged debts that were found to not be mine so I am very proactive in validation of my accounts. I have contacted the following credit bureau (XXXX, XXXX, 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.
Product: Credit reporting

In XX/XX/XXXX, in the process of obtaining a HARP re-finance mortgage, a banker brought an item from the year XX/XX/XXXX to my attention from XXXX. I do not now nor ever recall an account with XXXX. Therefore, I request the item be removed from my report. As my credit report stands at an XXXX and has resided in that range for the last ten years or more. 
The XXXX item noted on my report reads as shown : XXXX INFORMATION DISPUTED BY CONSUMER ACCOUNT IN DISPUTEDisputed by Consumer CURRENTCreditCardOpenXXXX, Experian
Product: Debt collection

I am writing this complaint to bring to your attention that there is inaccurate and incomplete credit information included in my credit report profile, and I believe that your bureau has failed to maintain reasonable procedures to assure maximum possible accuracy in the credit reports that are published. As per credit reporting laws, it is mandatory for bureaus to report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore, I would like to request a re-investigation of the following information that I believe to be inaccurate : XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$24000.00} and XXXX XXXX XXXX XXXX XXXX  Date Open : XX/XX/XXXX Balance : {$18000.00}. I respectfully request that you provide proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. Failing that, the item must be deleted from my credit report as soon as possible. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Checking or savings account

On XX/XX/19, XXXX  ( a subsidiary of MoneyLion ) transferred {$200.00} from my account to them without permission to another account ending in XXXX. I do not have a Money Lion account nor do I know anyone who does. Before the fraudulent transaction I had never heard of the company. I have reached out to the company multiple times with no resolution to the problem. I keep getting told someone will get back to me and they never do. I have asked to escalate the situation which also does not help. The company does not respond nor offer any sort of assistance in closing the fraud account or getting my money back.
Product: Credit card

My name is XXXX XXXX I am keeping reporting my this issues over and over to yall for years and months and ages and no resolve still yet I didnt open a account with yall everything time I dispute the account account with yall and yall say I open the account when I never did I never authorized a account with yall or sign no paperwork or did a signature with yall to open a account and to get a card with yall or did business with one yall service or vendor my picture id was lost and stolen and used for yall and and ssn was used and I never did a hand signature with yall or yall service or vendor or a electronic one online or by device with yall or service or vendor my informations was stolen and lost and used without my permission and my first name dont match on yall record it is XXXX not XXXX and account information is XXXX XXXX XXXX XXXX Pennsylvania XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pennsylvania XXXX XXXX XXXX XXXX XXXX XXXX Pennsylvania XXXX and credit card account number ending in XXXX dispute need to be reopen or investigative or reinvestigated or make into a new dispute for yall to investigate again and for any other accounts y'all open for no reason need to be disputed as unauthorized and fraudulent and charges disputes to {$0.00} because I am not responsible for this accounts and charges and dont open no new accounts for me when I didnt request it when I just report this issue as fraudulent unauthorized account open in my name without my permission and I want this to be favored in my end this is the last time I report this to yall I am tried of contacting yall about this and yall aint helping me next step I will take yall to XXXX XXXX XXXX and then take yall to court for a lawsuit if I have to after XXXX XXXX XXXX if yall dont favor this in my end etc And also please add this to the complaint please close this new account ending in XXXX and report it as fraudulent and also please have them stop giving me new accounts with new account numbers when I am not asking for a new account because I am reporting these accounts to yall as fraudulent when I didnt open them and please waive the the {$13.00} XXXX dont own to {$0.00} picture id attached below and fully close all the accounts as permanent without giving me a new account with a new account number when I didnt request a new account with a new account number and report them as fraudulent and waive the balance or past due balance to {$0.00} because I dont want a new account when I didnt sign up for XXXX with yall its is fraudulent etc.Also add this to my complaint I also need account number ending in XXXX dispute to be investigative again or reopen or redispute or make into a new dispute because I over a month now and a year now I keep telling yall I didnt sign up for a service with yall and I didnt unauthorize the payment or card in my name and the name dont fully match to my id it is XXXX XXXX not XXXX XXXX and my picture id was lost and stolen and ssn number was hacked and leaked and used without my permission and data leaked system hacked etc and attached is below.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and have attempted to have accounts removed from my credit report without success. I have provided all the necessary information to the credit agencies and the companies for years and still no resolution has been rendered. XXXX XXXX XXXX opened in XXXX of XXXX with a balance of {$6700.00} is fraudulent and needs to be removed. XXXX XXXX opened in XXXX of XXXX with a balance of {$20000.00} is fraudulent and needs to be removed. XXXX XXXXXXXX XXXX  opened in XX/XX/XXXX with a balance of {$1100.00} is fraudulent and needs to be removed. XXXX XXXX opened in XXXX of XXXX with a balance of {$890.00} is fraudulent and needs to be removed. XXXX XXXX opened in XXXX of XXXX with a balance of {$2100.00} is fraudulent and needs to be removed. XXXX XXXX XXXX XXXX opened in XXXX of XXXX with a balance of {$1000.00} is fraudulent and needs to be removed. XXXX XXXX opened in XXXX of XXXX with a balance of {$520.00} is fraudulent and needs to be removed. I have already filed an Identity theft claim with the FTC and my reference number with them is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Product: Credit reporting

In XXXX 2016 I checked my credit report and all of the inquiries had been deleted, however I checked my report and see they were put back with no notification. I would like these inquiries removed immediately.
Product: Debt collection

I have been paying off a multiple student loans to XXXX XXXX, now Navient since 2009. I have done my best to make payments on time. This past year I went through a divorce and I became responsible for all of our debt. I struggled with paying the loan and even reached out to them to discuss my options, they basically told me I had none, but to pay. They call repeatedly every day of the week. I receive upwards of XXXX calls in a day ; before XXXX and well after XXXX. They do the same to my co-signer. I have mentioned their tactics to them and how it has become very bothersome to mine and my co-signers daily lives. The response I received was that " I owe them money and they can call as much as they want to collect it. '' I have both a Federal and Non-Federal student loan with them and as hard as I 've tried, I just ca n't keep up with them anymore. 
But, they have been cruel to my plight, showing absolutely no sympathy or constructive solutions to the problem. Instead they continue to harass me with continuous phone calls all hours of the day and it needs to end. 
I am asking for help to make it end.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported the inaccurate and fraudulent accounts in my report, but I did not receive any response regarding their investigation. The creditor reporting the information is in violation of FCRA. The data that are showing are outdated and wrong.
Product: Credit card

I purchased a hotel room from XXXX for one night at XXXX XXXX at XXXX XXXX. I paid XXXX in full {$87.00} ( Receipt Attached ) for the room. When I arrived at the hotel they added {$17.00} to my bill. They claimed it was a resort fee. I pointed out to them that I had a paid in full receipt and the fact that their swimming pool and hot tub were both under maintenance and were unusable. The clerk stated he would remove it from my bill since the {$17.00} is a junk fee. He did not remove the fee and my credit card company Navy Federal Credit Union refuses to confront the hotel over the fraudulent charge.
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 XXXX XXXX XXXX XXXX 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 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 antedate 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 or other personal consumer reports

XXXX'I do not have any open accounts with the following companies, nor did I authorize a hard inquiry on my credit from the following companies:XXXX XXXXInquired onXXXXInquired onXXXXInquired XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I was trying to buy a house when I pulled my credit report and was shocked to see a fraudulent XXXX XXXX account listed. I dont remember ever opening an account with XXXX XXXX, nor did I give any authorization or consent for it to be reported. As soon as I saw it, I filed a police report and realized I had become a victim of identity theft and on XX/XX/year>, I disputed the account with the credit bureaus. XXXX and XXXX acted quickly and removed the account from my credit report, but TransUnion has not, even though I provided the same evidence to them. I cant understand why TransUnion is still reporting this accountits frustrating. It feels like a violation of my rights under the Fair Credit Reporting Act, which requires credit bureaus to ensure the information they report is accurate. By failing to address this properly, TransUnion may also be violating laws like XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXich hold them responsible for negligent or willful noncompliance. This situation has caused me unnecessary stress and has made it harder for me to move forward with my plans. Im demanding that TransUnion immediately remove this fraudulent account from my credit report. If this isnt resolved, I will have no choice but to take further action to protect my rights and hold TransUnion accountable.
Product: Debt collection

On XX/XX/XXXX, I got a phone call from Trans World Systems. They stated that I owed a debt to a medical doctor back dating back to XXXX. I had recently seen this same doctor on XX/XX/XXXX, and they said I dont have any pending balances. 

The associate with Trans World was very rude and was hesitant to get my card information to pay for the amount owed. I had told them I can pay the amount this coming Friday ( XX/XX/XXXX ) but that I would call in to give my card number and payment and that I didnt feel comfortable giving them my card number right now. And I also asked to validate this debt but the individual told me that supposedly since XXXX they have been trying to contact me, but I havent gotten calls nor correspondence from this collection agency. 

They were hesitant and they just hung up on me and said they were going to take notes. I then immediately called the doctors office from where supposedly the original debt is from. They said there is nothing on file and on the contrary, I have a {$40.00} credit on my account and no due balances are listed.
Product: Checking or savings account

On XX/XX/XXXX my income taxes deposited to my credit karma spend account and the very next day I was not able to access my funds so I called customer service and was told my account was closed and they weren't qualified to tell me why. So they said to wait on an email because they were escalating my concern to the right department after I told them my account was wrongfully closed. They emailed me and said they were escalating my case again to have it investigated by the right department. After waiting a couple days I still heard nothing since then I've repeatedly called and emailed credit karma about my account. no one will tell me what's going on and now it's showing that the account is frozen. They have my XXXX XXXX and I need it. Today my sister in law said they're doing the exact same thing to her so I went online and seen many recent reviews of people complaining of credit karma freezing and closing their accounts with no explanation. I have all my efforts to resolve my matter saved.
Product: Credit reporting or other personal consumer reports

I have recently came across a copy of my consumer report and have noticed an account that does not belong to me. According to 15 USC 1681c-2 Please block anything as a result of Identity Theft. Fraudulent account ( XXXXXXXX XXXX XXXX XXXX ) Fraudulent inquiry XXXXXXXX XXXX date of XXXX XXXX XX/XX/2022 )
Product: Credit reporting or other personal consumer reports

I am writing to file a dispute regarding a creditor and credit reporting agencies that have broken consumer laws by reporting numerous inaccurate accounts on my consumer report. I am seeking your assistance in holding these companies accountable for their actions and correcting the inaccurate information on my consumer report. The inquiries I am referring to, for which I did not give written permission, are as follows : XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  via XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX  - XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

These accounts were removed from my credit report and then reinserted a week later. I did not receive written notification via mail verifying why these accounts are being reinserted.
Product: Credit card or prepaid card

XXXX XXXX i try to use my bank of america XXXX debit card today and found out that my account is closed due to fraud. right away i call bank of america waited for an hour a lady came on so i explained to her that im trying to use my card why is getting decline? she look up my information and told me she cant help me at all for me to contact my sponsor which is XXXX. so i call XXXX  and finally got through the guy told me nothing was wrong with my account otherwise they wouldve reach out to me. XXXX told me that bank of america was the one who closed my account.for me to contact them. so after that i call bank of america again. the lady that came on this second time was really rude. she hung up on me i dont know why, im just trying to figure out whats going on with my account why is it closed? i really need my money and need to pay bills. i call bank of america over a thousand times and each person would tell me something different. they gave me the runaround back and forth from bank of america to XXXX and back from XXXX to bank of america. i need my money out from the account asap.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions. Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presum that no proof of the alleget debt, nor therefore any such debt, in fact therefore exists
Product: Credit reporting, credit repair services, or other personal consumer reports

They keep selling the debt to new collection agencies, then it shows a new open date, and it never goes away. This " supposed '' debt is well over 10 years ago ... Not only that, but I do n't even owe the money! I asked XXXX XXXX to close my account back then, and they told me on the phone it was taken care of, but then they never closed it. I am never going to pay money I do n't owe. I just want to know how to get rid of this thing on my credit. I 've been punished long enough for something I did n't owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the XXXX credit information hack. In addition to lack of personal notification that ALL of my personal and financial identity information was compromised, I find it unacceptable that I have to PAY to freeze my credit when I did NOT consent to my information being stored by XXXX, XXXX, or TransUnion in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
Product: Debt collection

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is primarily stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for a litigation due to the stress you caused me..
Product: Debt collection

Navient hired XXXX XXXX XXXX XXXX to collect on a private student loan. XXXX had previously stated in a Consumer Financial Protection Bureau complaint that I had filed that they do not save credit card information. Their statement was false and deceitful because I went online today to make a payment XXXX online payment website and they had XXXX different credit cards saved under my name and account information. XXXX is intentionally misrepresenting that they do not save credit card information when in fact they do save credit card information as is shown in the attached .jpg file which I screenshoted to show that XXXX does save credit card information even though they had previously stated in a prior CFPB complaint that they do not save credit card information. XXXX is engaging in deceitful debt collection and misrepresenting their business practices which is a flagrant violation of the Fair Debt Collection Practices Act. XXXX lied when they previously stated in a prior CFPB complaint that they did not save credit card information which was a flagrant lie and I have proof that they lied to me about it.