23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had a procedure at XXXX XXXX XX/XX/XXXX. The company never sent me a bill because they recorded my address incorrectly and did not double check their error. Sold my debt to Eastern Account System of Connecticut , Inc. ( Creditor XXXX ) I received a call, out of the blue, on XX/XX/XXXX from this company demanding payment for something I had no clue I owed. I advised I would be in touch with XXXX XXXX and sort out that debt. I spoke with XXXX XXXX the same day ( XXXX ) who advised they had the wrong address and did n't bother to cross check before sending to collections. She stated she would pull back the collection and send me a proper bill, which I stated I would pay. 

The next call I receive is XX/XX/XXXX from the collection agency stating they are still owed. I explained my conversation with XXXX but he saw no note that the debt was pulled. It was late in the day Friday. 

I spoke with XXXX at XXXX XXXX on XX/XX/XXXX who stated that XXXX did pull the collection back but did not reset the cycle and it was sent back to collections. She advised she would have her manager ( XXXX ) call the debt collector to explain/remove. I sent a check for the amount owed to XXXX XXXX on XXXX. USPS tracking XXXX XXXX XXXX. This check was cashed. 

I mistakenly thought this was all settled but today ( XX/XX/XXXX ) I receive a letter from Eastern Account System of Connecticut ( dated XX/XX/XXXX ... ) that the debt was not paid and that since I did not dispute their letter from a month ago ... which I did not receive, that the debt has been reported to a credit bureau. 

I am buying a house in 2 weeks and my career depends on a spotless credit rating. Their bush league antics have caused me XXXX and could affect my livelihood. Please do something about these criminals.
Product: Vehicle loan or lease

I have a vehicle loan with Santander and its being reported as a closed account when it is open. I am not getting credit for a open account
Product: Debt collection

n accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C1681 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 collection

Company is collecting debt on me but not legally able to collect in Mississippi.
Product: Checking or savings account

My name is XXXX and I am a user of PayPal with email address XXXX 25 days ago, PayPal decided to lock my account and limited some features and asked me to provide some documentations in order to regain access.

However I provided the documents PayPal said 1 business day should be okay for me to start using PayPal again, but unfortunately, PayPal has not fulfilled it's promise.

Because of that, I decided to use this complaint channel and ask PayPal to put things right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed letters to all 3 credit reporting bureaus ( XXXX, Equifax, XXXX  ) stating that they are not complying with my written dispute requests that I have submitted. I mailed letters on XX/XX/XXXX that describes my first initial disputes, its been over 30 days and I havent received a response. I mailed them a second set of letters on XX/XX/XXXX to comply and still no response.
Product: Bank account or service

My Identity was stolen and given to Discover Bank and opened a XXXX market account under my name. In turn there was a transaction made XXXX in WI which made a transaction under my ID and sent XXXX for the amount of {$2300.00}. No response or fraud department will take my call at XXXX. Discover Bank referred me to XXXX on this transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural Person, I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts below be removed because According to 15 USC 1681 : I have rights to privacy and I did not give Equifax written permissions to furnish these accounts. 


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 EQUIFAX MORTGAGE SERVICES 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX  XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXXXXXDispute XXXX XXXX XXXXDispute ftc violation
Product: Checking or savings account

XXXX has been with drawled from my checking since XX/XX/2018 they have called from various numbers and are harassing me and my family area code XXXX, XXXX, XXXX,. XXXX,. XXXX,. XXXX,. XXXX,. XXXX,. XXXX please help me??
Product: Debt collection

the father of my child included me in an auto loan without my consent. This was around XX/XX/2016. I was not even employed at the time. Considering this I couldnt have applied for a car loan to begin with. The account is closed but it is negatively effecting my credit score. I cant pay because i dont have any money as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I inform you again that am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove these items at the earliest possible time. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/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 XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
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 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  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion 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: Debt collection

Received a bill from Lazega and Johanson sometime during the end of XXXX of XXXX for late HOA fees. This is the itemized bill : HOA fee {$990.00} late fee {$35.00} " additional assessments '' from Attorney {$370.00} Attorney 's Fee XXXX For a total of {$1600.00} XXXX XXXX called from Lazega and Johanson Attorneys at Law, in XXXX attempting to collect {$1600.00}. I didn't have the amount at the time. 

I made an online payment on XX/XX/XXXX for the amount of {$400.00}. Leaving a balance of {$1200.00}. 

On XX/XX/XXXX I received another invoice stating that an additional fee of {$230.00} in " legal fees '' would be assessed in addition to the {$1200.00} that I owed. XXXXXXXX XXXX XXXXXXXX XXXX XXXX said that Lazega & Johanson has access to my HOA account and will charge whatever they want. There is no memo or documentation in the only letter that Lazega & Johanson sent in XXXX saying that they would assess any additional fees or at which times it would be applicable.

I've left 4 messages with 4 different people to communicate my intent to make additional payments and to get documentation on the erroneous fees however, no one calls back. 
This company has numerous complaints against them for predatory and deceitful practices. I want documentation supporting why, legally, they have access to my account and to give me the schedule of fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the XXXX XXXX XXXX XXXX {$470.00} with the creditor and they have failed to supply me with debt validation through the Consumer Federal Protection Bureau # XXXX for this debt you are reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX XXXX XXXX are in violation of fcra rights by reporting a unverified/invalidate collection in the amount of {$960.00} on my equifax credit report. 

Section 609 Fair Credit Reporting Act.

As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature agreeing to pay said amount.

A bill is NOT a signed contract!

Please dont not send me a bill or a verification letter for me to sign. This action is violation of FCRA. 
The company XXXX XXXX XXXX sent me a bill, again this is not a signed contract of me agreeing to pay the amount of {$960.00} Please send the contract with my signature explaining/agreeing that I own this amount. If XXXX XXXX XXXX  can not provide this by law equifax must immediately deleted item. 

The collection agency is required to have and provide this information. 
XXXX XXXX XXXX is asking me to provide a signed contract that they are required to provide to me by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a car at XXXX XXXX in XXXX XXXX kansas in XX/XX/XXXX. When they went to process the loan they had my credit checked multiple times. These are the lenders that all did hard inquiries on my account XX/XX/XXXX. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  my ex husband used my information without my permission. We were married at the time. I did not sign anything or authorize anything. 

XX/XX/XXXX XXXX XXXX my ex used my information without my permission. We were married at the time. I did not sign anything or authorize anything.
Product: Payday loan, title loan, or personal loan

The fees are outrageous on the loan. They do not communicate that with you before sending the funds the APR 460 % which is illegal in North Carolina. There is a {$2000.00} finance charge.
Product: Debt collection

In XX/XX/XXXX I started service with a cable company named XXXX XXXX. The account went delinquent with a balance of {$130.00} in XX/XX/XXXX. It was reported to my credit report with XXXX and XXXX XXXX. Recently in XX/XX/XXXX I paid the account off with XXXX XXXX for {$150.00} ( Original account balance + interest ). Now XX/XX/XXXX a XXXX XXXX XXXX XXXX ( who owned this XXXX XXXX Account ) was removed from XXXX, and XXXX XXXX. I originally contact XXXX XXXX after reviewing my credit reports and noticed the amount was still being reported as owed. That ended with the account being removed from both credit bureaus. I am now seeing that a NEW company by the name of XXXX ( XXXX ) is reporting the SAME account to the XXXX bureau XXXX. This account was never listed on XXXX, but it is now as of XX/XX/XXXX. This same company has called me multiple times even after a rep I spoke with, stated she would record my notice for them to stop contacting me. I am currently XXXX, with XXXX children and have learned from my past experiences that credit is important, I have worked hard at getting multiple accounts paid and removed recently, and this has effected my credit to go right back to where I started. I am attempting to get my credit to place where I can purchase a house. Please help me with this account/ collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

This uncertain accounts listed below continued to report on my credit report regardless of the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be verified ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly : XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. Remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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: Payday loan, title loan, personal loan, or advance loan

I was contacted by a woman offering me a installment loan after browsing for personal loans online. In the midst of creating a personal loan profile with her company she escalated me to another supervisor neither of which were American both sounding like they were from the same country. The issue was after I had given my account number and routing number the supervisor then asked me to provide very personal banking details. Those details were my banking username and password for my online banking. And I know it's common knowledge to never share those details with anyone over the phone and a real lender should never ask for those personal details. I immediately ended the call and I thought I should report them to you all I have for information is the phone number or which they contacted me and I had to directly contact them. That phone number was XXXX XXXX XXXX I also have a saved voice recording from a voicemail she left.
Product: Payday loan, title loan, or personal loan

I received an online loan in the amount of {$1000.00} on XX/XX/2018. I make bi weekly payments on my paydays in the amount of {$200.00}. I have made 2 so far. I called to pay off my loan on my next payday and the company said my payoff amount is {$1200.00}. I only borrowed {$1000.00} and have made {$400.00} in payments. I have heard nothing from them after sending multiple messages.
Product: Credit card

There was an unauthorized charge for {$1700.00} on XX/XX/year> from XXXX on my Bank of America Cash Rewards credit card. I filed a claim initially when spotting the transaction, froze my credit bureaus, and contacted Bank of America. Momentarily they froze the transaction and credited me the difference. Several days later they reinstated the transaction without providing any reasoning. Over the past several months I have called and called, often waiting XXXX hour + to get a representative from Bank of America on the phone. Without much luck, they reopened claims that never made a difference. This is an unauthorized charge that I never made and it was with a merchant that I have never done business with. Despite providing those reasonings, Bank of America denied providing any assistance. They have stated tough luck and go figure it out with the merchant. It doesn't make sense for me to pay for something I didn't authorize nor ever received. On top of that, they have continuously passed me around to several different individuals, departments, etc ... without ever following up or providing justifiable reasoning. My patience grew thinner and thinner, the last straw was when I was on a phone call with a representative named " XXXX '' from the XXXX department, when she told me that it's my problem to fix and basically insinuated that it's tough luck since she as a " supervisor '' can't do anything on behalf of Bank of America. She told me to figure it out and go call the merchant myself... This is a huge middle finger in the face. I have been with Bank of America for XXXX years as a platinum rewards member ( highest tier member ), because of this incident and how they have treated me, I will be withdrawing every single cent I have banked through them and will be shifting to another bank. They have lost a customer because of their poor service and lack of ability to provide solutions for their customers. 

Not sure where to go from here but to file a complaint.
Product: Credit reporting or other personal consumer reports

I received an email from XXXX notifying me of a " new account '' on my XXXX report ( approx XX/XX/XXXX ). I didn't see this email until early XXXX. Only saw it because I saw a huge difference in my XXXX report compared to XXXX and XXXX ( almost XXXX points lower ). Around XX/XX/XXXX I contacted XXXX and filed a dispute on the new account. I also called the reporting creditor ( WAYPOINT RESOURCE GROUP LLC, XXXX ). 

When I called Waypoint Resource Group I was immediately asked for my SSN. I said " I will not provide this information as I already suspect a fraudulently filed collection account from your company. I would like to request some documentation of this '' They transferred me to the right department, because the first person only worked with XXXX, and mine was XXXX. Upon transfer the first question again was for my SSN. I said " I will not provide this, but I can answer other questions for you '' I provided my name and then she asked a series of identifying questions which I answered yes, yes, yes. then she said an address I didn't recognize. I said what is the city? She said somewhere in Ohio. " Nope, that's not me, I have never been to Ohio in my life, and I have no accounts with any business in Ohio. Can you tell me how old this account is or provide me with some more info because it shows to be a high credit limit of under {$300.00} but the collection report shows over {$2000.00}. '' This is when she hung up on me. 

10-12 days later I get another email from XXXX. This time the item from WAYPOINT has escalated from " new account '' to " delinquent acccount ''. I contacted XXXX again to inquire. They said the dispute was " closed '', meaning they have dismissed my dispute. Also told me I could " re-dispute ''. I said yes please, and I told the chat representative I believed the reporting business to be fraudulent and relayed my experience when calling them. She provided me a dispute file number and ome other info how I could provide documentation ( which does not exist due to me having NEVER done business with this company ). They also gave me contact info for WAYPOINT RESOURCE GROUP LLC ( which was also WRONG ) When I called the phone number there was a message to call a different number. When I called the number provided I had basically the same experience as the first time. " What's your SSN '' ( not provided ). Let me transfer you to the XXXX team. " What's your SSN '' ( not provided ). This time however they wouldn't even look up the account. I said I was trying to get some documentation on the account they had filed against me, provided my First and Last name only. She asked my address I said I don't know the address you have on file because I have never lived there. Then she hung up on me. 

I believe WAYPOINT RESOURCE GROUP LLC is fradulently filing collections on people and they need to be investigated. XXXX is not doing their job of investigating them.