23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received notice from a collection company Valley Credit Service XXXX in XXXX XXXX stating that I ( XXXX XXXX XXXX owed Md. XXXX XXXX XXXX XXXX XXXX XXXX, Md. XXXX {$210.00} for services in XXXX XXXX. Firstly, I have never been a patient of this group. Secondly I do n't know where this XXXX XXXX the visit comes from??? 
A little background. My wife, XXXX, was a patient of this group while XXXX XXXX XXXX XXXX XXXX in XXXX up until XXXX XXXX when she was XXXX. Because she lives in XXXX XXXX Md she is told to get a new nephrologist because they do not practice in that area. My wife did so and her new Doctor is XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. He was her doctor from XXXX XXXX through XXXX XXXX, XXXX. At which time my wife had an XXXX XXXX at XXXX on XXXX XXXX, XXXX. XXXX spoke to her original doctor, which is no longer with this group, regarding the supposed charge for XXXX XXXX. XXXX XXXX XXXX told her he never put this charge in my file. In the meantime this group sent to my XXXX and XXXX and were paid {$270.00} This is a fraudulent claim. My wife did not have an office visit!!! 
As for me, how did they get my social security number, etc and file a bogus debt on my credit report? XXXX XXXX billing person for Md. XXXX group said she never sent it to them in my name ( XXXX ) ; however, the fact is I have a sworn affidavid from the collection agency showing her signature that she did in fact send it to them. No one has yet to apologize they just told me to wait and pull your credit report to see if it is gone in XXXX. All I ask is a letter from them stating the truth about this debt and the collection agency. They all tell me they do not have to do anything for me as it is the law. They made the mistake why do I have to jump through hoops to get this resolved. It was their error and done without my knowledge. 

Lastly, why did my wife, XXXX, never receive any kind of bill from Md. XXXX XXXX for over 4 years??? And when one came it was in my name not hers.??? Please note each letter states a different amount owed, i.e. {$270.00} - {$220.00} - {$210.00} so which is correct????
Product: Vehicle loan or lease

GM FINANCIAL HAS COMMITTED FRAUD. GM FINANCIAL HAS VIOLATED PLENT OF LAWS, CAR CONTRACT IS FRAUD AND NEEDS TO BE REMOVED BECAUSE OF FRAUD, HARASSMENT, PAIN AND SUFFERING, ILLEGAL CREDIT REPORTING, ILLEGAL REPOSSESSIONS.
Product: Vehicle loan or lease

I have a car loan through American credit acceptance and I am upside down in this loan. The car is a XXXX XXXXXXXX XXXX, original price was around {$18000.00}. Ive had the car for 2 years. I still owe {$16000.00}. The payoff amount is {$17000.00}. ( {$540.00} payments ) The interest rate is 28 %!!!! I got this car when I was desperate for a vehicle. This has to be illegal!!! At this rate Ill never pay off this car. The car is only worth {$7000.00}!!!!! I need help!! What are my options?????
Product: Credit reporting, credit repair services, or other personal consumer reports

After multiple attempts of me asking Experian to investigate this account for inaccuracies and violations they're still reporting this account as accurate and no violations reporting. As of today I still see different information reporting throughout all 3 credit reporting agencies. This is a violation pursuant 15 U.S. Code 1681e - Compliance procedures, ( b ) Accuracy of report, in which Experian must provide the same information as the XXXX and XXXX. How can all 3 credit reporting agencies report different information on the same account? I'm aware that I have the right to opt out from this information being reported to any non-affiliated third party in which I was never giving that option nor was I ever explained how I could do so. According to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, ( b ) Opt out, I would like to opt out from this information being reported to Experian. Because this account is under multiple violations and report multiple inaccuracies, I ask that you remove this account from my consumer report pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, ( 5 ) Treatment of inaccurate or unverifiable information. 

Violations reporting : 15 U.S. Code 1681e - Compliance procedures, ( b ) Accuracy of report 15 U.S. Code 1681 - Congressional findings and statement of purpose, Section ( b ) Reasonable Procedures 15 U.S. Code 1666 - Correction of billing errors, Section ( b ) Billing Error 15 U.S. Code 1681a - Definitions ; rules of construction, ( 2 ) Exclusions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights XXXXThe Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process.

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXXXXXX XXXX  /Account # XXXX ) Has violated my rights 2- ( XXXX XXXXAccount # XXXX ) Has violated my rights 3- ( XXXX  XXXX XXXXAccount # XXXX ) Has violated my rights 4- ( XXXX XXXX XXXX XXXXAccount # XXXX ) Has violated my rights 5- ( XXXXAccount # XXXX ) Has violated my rights 6- ( XXXX XXXX/Account # XXXX ) Has violated my rights 7- ( XXXX/Account # XXXX ) Has violated my rights 8- ( XXXX XXXX/Account # XXXX ) Has violated my rights 9- ( XXXX XXXX XXXXAccount # XXXX ) Has violated my rights
Product: Prepaid card

On XXXX XXXX, 2015, I received a prepaid XXXX Debit card from a company named NetSpend. I have notified Iowa 's Attorney General 's Office and NetSpend that I did not sign up for a this type of card. NetSpend sent an email back to me stating that they would remove my personal information and to cut up the card. I recently started looking at online surveys but have not received any funds or rewards. I am not sure if NetSpend received my information from a survey affiliate or my personal information was sold to a XXXX party.
Product: Debt collection

Receiving automated phone calls from ( XXXX ) XXXX and other numbers. Leaves a message but does not identify this as a debt collector. They also are imposing artificial deadlines by saying " we must hear back from you today '' or " this is a time sensitive matter ''.
Product: Credit card or prepaid card

Transaction date : XXXX2017 Card type : Visa Transaction type : Purchases Merchant description : XXXX XXXX Merchant information : XXXX, AR Offer ID : XXXX Reference number : XXXX Merchant Name : XXXX XXXX refused to refund {$74.00} to me for defective product
Product: Debt collection

This account that I am complaining about concerning The Best Service Company I found to be a fraudulent account in my credit report. 
The Best Service Company is attempting to collect on a debt that I do not owe. 
I got a letter from The Best Service Company on XX/XX/XXXX attempting to collect on a debt that I do not own, and now recently found this company furnishing derogatory information about me. I sent The Best Service Company a letter of dispute of the alleged debt on XX/XX/XXXX for validation of debt XXXX XXXX XXXX - Notice for validation of debts, and another letter of Cease and Desist on XX/XX/XXXX. I did NOT get a response from The Best Service Company regarding this alleged debt. Unfortunately this company did not give me Lawful validation for the alleged debt under the FDCPA. 
I did give The Best Service Company a chance in good faith to validate the alleged debt. The problem with The Best Service Company is that they are furnishing information about me without having permissible purposes according to the FCRA, this makes it an Identity theft. Furthermore The Best Service Company is attempting to collect on a debt that is considered income according to the IRS for being a charge off with a XXXX balance. XXXX does not get reported to the CRAS According to XXXX, and this debt has a XXXX balance according to the original creditor. What are they collecting on? The alleged debt has already been charged off through the IRS with a 1099-C Cancellation of Debt.

These are the violations of Consumer LAWS, and Criminal LAW.

15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports.

15 U.S. Code 1681 q - Obtaining information under false pretenses.

18 U.S. Code 1028A - Aggravated identity theft.
Product: Credit card

It has been brought to my attention that although I have written several letters asking for validation of debt, verification of debt, original promissory note, off ledger accounting statement I have not I am not getting any response because of the automated system you have in place which in fact is a violation as well. 
When it comes to uploading my documents on their portals, it is difficult for the consumer to upload the pending documents needed to expedite their dispute claim. They have been notified various times in attempt to cure that they continuously dismiss. That is also a violation of my consumer rights. I have reported this concern on several occasions. 
Today, I am demanding these accounts to be removed immediately off my credit as it is in violation to the following federal constitutional laws : 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. They are not investigating the legitimacy of these accounts I did not give consent to these accounts or permissible purpose and are in violation of the Gramm Leach Bliley Act.

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me.
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.

Account name : Liability Court US BANKRUPTCY COURT XXXXXXXX XXXX Date Filed XX/XX/2020 Reference 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: Mortgage

I spoke to XXXX with Bank of America on Tuesday, XXXX XXXX at XXXX. She indicated to me that I needed to be a minimum of XXXX months late to be eligible for a short sale on my home. I have a fundamental issue with this because of the Fair Credit Reporting Act. There is a hardship. I need a modification. I 'm in the hardest hit state. Why are they telling people this when it 's a violation of the Fair Credit Reporting Act?
Product: Credit reporting or other personal consumer reports

My account with these company was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

I, XXXX XXXX, initiated a refinance of my home. Part of this refinance was receiving a quit claim ( attached ) from another party. This quitclaim signed over all interest and equity in the house to me. The quit claim was signed XX/XX/year>. It was recorded on XX/XX/year>. The refinance was completed on XX/XX/year>. A part of the proceeding is that Pennymac reimburse me, the sole party of interest in the property, the amount of the escrow account associated with the closed loan. Pennymac made no effort to contact me in regards of how or where to direct the refund. They had access to the quitclaim document. Then issued the refund to an incorrect account that I had no claim or access to. When I contacted Pennymac, they told me that it was not their problem and won't do anything about it. After continuing communications with them, they informed me that they would look into it to correct the situation, however they never filed a case number, and did not call me back. I then called again, to which they said they would contact the other party as a " final attempt '' at resolving the problem. They have not called me back. 

What I have gathered from this interaction is that they knew that they were reimburse the escrow account funds to me and me alone, they did not even attempt to ensure that it would be properly sent. Then, when informed of the issue, would not correct their mistake. This leaves me entirely without the money I am owed through no fault of my own, with Pennymac only denying their responsibility as the fiduciary party. I only wish to recover my money from Pennymac in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never dealt with these creditors in the past. I don't know who they are nor did business with these companies.. I contacted Equifax to address the issue but all they sent is a paper trail showing the accounts and that it has been verified. Insufficient information. I requested Method of Verification - evidence such as name, address and telephone number they contacted from the original creditor but they failed. That tells me that this is some kind of computer generated verification an XXXX. Please get rid of the accounts as soon as possible and notify me when you do this so I can go ahead and apply for the things I need to apply for.. 
XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX,
Product: Checking or savings account

I made a purchase to XXXX online, I never received my item. I reached out to the merchant for tracking and it was provided. On the XXXX day after making the transaction my tracking updated that it had been delivered 4 hours away from my address and which is the address I provided for it to be delivered to. I made this purchase on XX/XX/2023. I have disputed it multiple times with Cash App and have gotten the same denied message afterwards. I work in the disputes department for a large bank and know that this is not how it should be handled and this is not how someone should be treated trusting a bank with their money. My purchase amount was {$39.00}. I provided my invoice, and the tracking given to me by the merchant and I was still denied my money back from my trusting company.
Product: Debt collection

I have a medical bill that I am paying for a my sons XXXX. ( I was n't aware of the bill until after I found out, from my own investigation that I even had a bill in collection ). I have requested XXXX via letter from the agency, Preferred XXXX, to please send me a bill, invoice, or something reflecting what amounts I currently owe. ( I have been paying every month {$50.00} to a company without any notice of a bill besides my voided checks as the only way to show proof of payments ). I finally received a call from a XXXX XXXX who was condescending and rude. He informed me that because I live in XXXX and no longer in XXXX, I will not be receiving a bill from Preferred XXXX, because they are not licensed in this state. All I want is SOMETHING, reflecting that I am making continuous " good-faith '' payments to an establishment. Is there legal recourse for me???
Product: Credit reporting

Equifax has ignored my request to provide me with their verifying information they said is on file. It 's been past 30 days and they have not been able to verify the information. They are required to do so under section 611 ( 5 ) ( A ) of the FCRA or promptly delete all information. Please resolve this matter asap. Thanks
Product: Money transfer, virtual currency, or money service

I received an email from this address XXXX stating I made a purchase for {$520.00} of XXXX  through PayPal it gave me a phone number XXXX to call if it was fraudulent when I called the agent then told me to go to XXXXXXXX XXXX store to down load an app that would help me report the fraud the app was called XXXX it said remote access I then told the person on the other end I do not feel comfortable allowing remote access to my phone and I refuse they told me they can't help me then and to terminate the call I contacted my bank and my bank said no transaction of this type has come through. I believe this company was trying to scam /fraudulently gain access to my information I told them I will be filling a complaint they hung up on me
Product: Money transfer, virtual currency, or money service

Hi. I set up a XXXX account within my bank and checking account, and ran a trial with the recipient, sending him {$1.00} on XXXX XXXX. To the same payee, I attempted to send {$700.00} on XXXX, XXXX XXXX. XXXX failed. On XXXX, XX/XX/XXXX, called up Bank OZK ( my bank ) and got, I thought, an expedited transaction of the {$700.00} being sent via XXXX to the same payee that was trialed with the {$1.00}. Bank OZK affirms that the money was sent, as does XXXX. The payee, according to him, has contacted his bank, XXXX  XXXX XXXX, and states that they have no record of the XXXX transaction. I have tried, but XXXX  XXXX XXXX will not talk to me. The XXXX agent stated that there was some fishy business with the payee 's cell # ( same as account # ), saying that it was unregistered from his account on XXXX XXXX and reconnected on XXXX XXXX. Now, I honestly believe that is what I heard ( telephone call ), but the agent ( XXXX ) had a rather thick accent, so I may have heard things in error. However, I don't think so. Long and short of it, I sent {$700.00} to the payee and it has disappeared. Thank you for your assistance in this matter. XXXX
Product: Credit reporting or other personal consumer reports

The information that appears XXXX to XXXX and XXXX to XXXX to my credit cards listed and all authorized user 's Experian, XXXX, XXXX XXXX reports, employment screening companies, tenant screening companies, check and bank account screening companies, supplementary reports, and business credit reporting agencies ( XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Experian XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, and XXXX ) does not relate to any transaction ( s ) that I have made. It is the result of identity theft. A police report has been filed.

These item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. 

Please block this information from my and all authorized user 's credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Bank account or service

The bank just approves things that are fraudulent deposits checks that i did n't sign for, and approves charges I did n't make, but then I make a charge online and it gets decline and comes back saying fraud. Its been months trying to add my partner to the acct and we did everything they asked us to to send, now they say they never received the documents. The security is so restricted because every little transaction with apple pay puts a security hold on the acct. it also lets merchants to make a payment twice, and reverses payments if it did n't have but {$5.00} short its ridiculous. plus call the fraud dept and they always ask so many questions and there rude.
Product: Credit reporting or other personal consumer reports

Experian is in violation of Deprivation of Rights Under XXXX of Law and Ethical Breaches. These actions have resulted in the deprivation of constitutional rights of survivors of human trafficking, in violation of Title 18 U.S.C. 242. I have an advocate from XXXX XXXX XXXX who has assisted my affairs as a victim of XXXX XXXX. Experian has not abided by the laws and regulations set in place under 605C. I am requesting an investigation on this matter as soon as possible and for my file to be blocked in the time permitted under the XXXX.
Product: Credit reporting or other personal consumer reports

I have been a victim of XXXX XXXX and my credit report has been used for items that are not mine - please help remove this my information has been stolen please see my new social attached. 
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

I have been trying to correct my credit report for over 6 months. I have asked all 3 credit bureaus to provide proof of the debt ( 609 LAW ) in writing several times and have been ignored with no responce. I don't have any knowledge or recollection of these debt. I believe they are reporting incorrectly and it is affecting personal and financially. Please remove the following inaccurate items listed below from my credit report. XXXX XXXX XXXX XXXX : Status Collection account. {$1900.00} past due as of XX/XX/2023 ( THIS IS NOT MY DEBT )