23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Spouse and I took a vacation in the XXXX. We went on a tour for some free gifts to listen to a timeshare offer. We were told by the timeshare personnel that we could get rid of our current timeshare with XXXX and not pay any more maintenance fees. We were told that XXXX would be taking the place of the XXXX timeshare. We did like that aspect of the program and signed up. We were told if we wanted to take a vacation during the transition that we could call use the website app that we were given or call them locally to set it up. We could not log into the website and when we called XXXX in the XXXX, we were unable to get clear answers or were told we would be contacted at a later time. After contacting this company numerous times and getting the runaround on using the service, we realized that we were being scammed. We called XXXX in the XXXX to tell them we no longer wanted the service and to cancel the membership. We didn't get a clear answer with them only that we couldn't cancel and that it would be reported on our credit. Months later, Conrad Credit started calling to collect a debt. XXXX never got our timeshare from XXXX released, they did not follow through on doing that and we never used their membership. We were scammed and continue to get calls and letters from Conrad XXXX XXXX XXXX.
Product: Checking or savings account

NetSpend in cooperation with XXXX is deliberately compromising my account security by using digits XXXX in all card numbers issued including but not limited to XXXX, NetSpend, and even XXXX Virtual Cards!!! I requested over XXXX online or visrtual NetSpend cards and the company deliberately uses XXXX which is the date of birth year for XXXX or card number!!! This is a flagrant security compromise. Further, the company has spyed on me and obtained my date of birth information in the country I was born which ends in XXXX and has in the past few days use these digits even in virtual gift cards that a third part purchased for me!!! I had asked XXXX and XXXX and the XXXX gift card servicer to issue new cards however they told me they are not in charge of the digits. I asked them to stop comromising my account security and that these digits are being used in a harassing, terrorizing, and weaponizing way and they are harmful as they represent recent haineous crimes committed against me. I am asking CFPB to immediately and permenantly suspend the license for XXXX and prevent any further personally identifiable information to be used for cards repeatedly ( in over XXXX cards issued ), and for one-time security codes, customer ticket numbers, etc. Further, it is appaling that XXXX which its cards are issued by XXXX does not allow even replacement cards and that NetSpend in over XXXX virtual cards using many of the same digits and ALL of them contain XXXX. And that just in past few days XXXX through spying on the foreign date of birth has changed its algorithm to issued cards featuring XXXX other XXXX in XXXX virtual gift cards. This is a horrendous criminal attack on me, harassment, and is a flagrant security compromise of my account security. Every statement in this claim is is supported by documentary evidence that is attached or can be offered upon request. the first XXXX screenshots are NetSpend cards showing repeated digits, and the last XXXX are titled XXXX XXXX XXXXXXXX. The company is out of control and needs to be stopped. Why has the company spyed on my foreign date of birth year and is using it on a virtual gift card? This is harassment and abuse and these digits represent abhorant crimes against me and are a flagarnt security compromise. This company must shut down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have expressed to equifax that they have stripped my credit cards off of equifax when they should not have and they need to put them back on. My credit cards are under my address which is XXXX XXXX XXXX XXXX, XXXX XXXX, nevada XXXX. My cards was on equifax and equifax took them off when they were not supposed too. The cards that need to be put back on equifax are : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is not my employment XXXX is my previous employment. XXXX is my current employment. XXXX BALANCE IS INCORRECT IT IS NOT {$2200.00}, THE CORRECT AMOUNT IS {$1300.00}. 

THESE INQUIRIES IS UNAUTHORIZED : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  I HAVE BEEN DEALING WITH THIS WAY TO LONG. NO CONSUMER SHOULD HAVE TO ENDURE SUCH STRESS CONCERNING SOMETHING THAT THEY DID NOT HAVE ANY KNOWLEDGE OF. I HAVE SENT EQUIFAX NUMEROUS DOCUMENTATION CERTIFIED AND UNCERTIFIED WITH FTC AFFIDAVIT WITH A POLICE REPORT NUMBER AND THEY STILL REFUSE TO CORRECT MY CREDIT REPORT. THIS PROBLEM IS MAKING MY CREDIT SCORE LOOK EXTREMELY LOW. THE ABOVE ACCOUNTS WAS ONCE ON MY EQUIFAX REPORT AND I DID NOT TELL EQUIFAX TO REMOVE THEM. THIS HAS CAUSED A GREAT BIG PROBLEM WITH MY CREDIT SCORE!
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations was sent to XXXX XXXX and all the credit company please have them correct the violation and stop calling asking for a debt I do not owe
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX and I have been trying since XX/XX/22 to get in contact with the three credit bureaus transunion, XXXX and XXXX in which they have never gotten back. I have several delinquencies on my credit in which the bureaus don't respond and get back to within 30 days, I have not received results of my investigation and they are saying as an excuse that it is not me trying to contact the bureaus on my credit. I have been dealing with these issues for some months now across all three credit bureaus and I need this fixed as I am trying to get a home. None of the information is verifiable as they either ignore me or throw it back on which XXXX has done on numerous occasions but shows me no proof of the information I am disputing as to how it is my debt and validated. I am reaching out to the CFPB as after dealing with this for 6 months I am done with my rights being violated, ignored and taken advantage of.
Product: Credit card

I went into a wells Fargo branch to open a bank account and credit card. The wells fargo banker kept pushing to sign me up for a cash wise credit card. I TOLD HIM I DO NOT WANT THE CASH WISE CARD. I wanted the signature rewards card. after we were done he said he signed me up for the cash wise card but I can switch the card after I get it. I made a whole commotion and started yelling at the banker until the branch manager came and said that after I receive the card I can call up and switch the card. I got th card today and called up and they refuse to switch the card.
Product: Debt collection

I signed up for XXXX XXXX because they were giving away free play money. I signed up with all my personal information and turns out it was a complete scam. I won money and they wouldnt let me cash it out. Instead, they tried to take {$420.00} dollars from me that I did not authorize them to do. I tried to get in contact with this company and you cant even get a hold of anyone. Therefore, I disputed it with my bank because I did not authorize them to take that money. Now, they sent me a debt collection letter saying I owe them the money when it was already disputed with my bank and threatened me with a letter that they were going to report it to credit companies and take a hit on my credit.
Product: Debt collection

Here is the context : I was sued for XXXX XXXX  and on XX/XX/2024 XXXX  dismissed the case. On XX/XX/XXXX ( the day prior to my appearance ) their legal counsel called and offered a settlement. By doing so, I believe Bank of America was essentially telling me to not respond to the lawsuit they filed against me. I did not accept their offer. Instead, I came to court. Despite settlement discussions being deemed inadmissible as evidence, their counsel mentioned this to the judge anyway. A judgment of " Nonsuit '' was entered by motion of Plaintiff 's counsel. See XXXX XXXX XXXX XXXX, At Law No. : XXXX ( XXXX of Virginia ). To show their counsel 's effort at getting me to ignore the lawsuit, I'm attaching their attempt to settle the debt which I declined and which they failed to prove the following day ( XXXX Bank of America XXXX XXXX XXXX ) Here is the issue : XXXX. This account shows as having been charged off over a year ago ; suddenly, today XX/XX/2024 I saw a balance on this account reporting via XXXX. 
XXXX. A charged-off account can not have a balance. According to XXXX : " BANK OF AMERICA has reported your account as over or at your credit limit '' on XX/XX/2024. This must be a mistake as the alleged account is charged off, and charged off accounts can not carry a balance. 
XXXX. I already reported this new development to XXXX via online Dispute. However XXXX " confirmed '' the information as valid with BANK OF AMERICA and did not make any changes. 

Here is what I want to have happen : This information is false & is adversely impacting my credit, and I demand that it be removed and/or the false information ( the balance on the account ) be corrected to show XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have violated my rights. 15 U.S.C. 1681 section 602 ( a ) ( 4 ) : States I have the right to privacy. 15 U.S.C. 1681b 604 ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXX  XXXX is not my account. I have attached my documents below
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX XXXX
Product: Credit card or prepaid card

Please can you delete this company I applied once and when I look at my report there are several tries. I do not have a card with this company please remove SYNCB/TJX CO DUAL dates listed are incorrect I never applied. 
XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Derogatory XX/XX/XXXX {$270.00} Reported Illegally on my consumer report this above collection item On XX/XX/XXXX I not only contacted the consumer reporting agencies regarding this illegal item, which would constitute as identity theft as I never did any business whatsoever with XXXX  and wrote to XXXX as well requesting they provide all documentation regarding our contracting them, billing and payment history, contract to do business with them, life of the account. They did not respond in any way, what they have done is now sell or transfer this debt to XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Account XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$270.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX. This is how they ruin and abuse consumer 's creditability and consumer profile. I never did any business with XXXXXXXX XXXX, nor have I received any information from them. How they are allowed to illegally furnish information to my consumer profile is not only injurious to me but alarming. 

Aside from the personal injury to me, these persons ( XXXX XXXX XXXX XXXXXXXX XXXXXXXX ) in collaboration with consumer agencies are breaking the law. In fcra 15 USC 1681 Congress specifically stated what can be reported to a consumer 's report and equally important what MUST BE EXCLUDED. Any transactions and experiences are to be excluded from a consumer 's ( my ) profile. In addition, in my communication with XXXX  I exercised my right given to me by congress to request XXXX to cease and desist from this illegal activity they in turn chose to collude with XXXX XXXX XXXX to further injure my consumer profile. I have never done any business with XXXX XXXX XXXX XXXX XXXXXXXX. I have never opted in to their reporting to the consumer agencies on my behalf. I am pleading to CFPB and FTC to get these persons and agencies to provide my OPT IN and life of the transaction proof as well as any contract of me agreeing to do business with them.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, and I am preparing this message. It has come to my attention that there have been several accounts created under my name fraudulently. My information was used to obtain financial goods or services. The listed accounts in this report are not mine. According to 15 US Code section 1681-C-2A consumer reporting agencies about block the reporting of any information in the file of a consumer that the consumer identifies is information that resulted from alleged identity theft. Also, 15 US code 1681 section 604A Section 2 states a consumer reporting you see can not furnish an account without my written instructions. The listed accounts here never should have received any instructions or consent for me to report anything on my consumer report. No consent is identity theft. I am demanding the deletion and removal of these accounts listed in this file immediately. UNAUTHORIZED HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Just received an alert from XXXX that might credit score dropped significantly due to Capital One inaccurately reporting that my credit card is maxed out when it currently has a positive balance of {$450.00}. This needs to be updated immediately
Product: Credit card or prepaid card

On XX/XX/XXXX, I was notified by Synchrony Bank that my suspicious transactions in XXXX and XXXX were made on my Venmo credit card. At that point, I had not even activated my physical credit card. 
The obvious problem is my virtual card number was stolen. They notified me of the fraudulent charges and told me that I would not be responsible for those charges. I was also told that I would not be charged late fees and I would be temporarily issued a credit for the disputed amount. 
Recently I noticed that Synchrony Bank charged me a late fee of {$30.00}. They sent a notification for missing payment. I was surprised because I haven't even used this credit card. I was not expecting any charges on it. Upon further inspection, Synchrony Bank did not issue a temporary credit for the disputed amounts. They did not do what they told me they would do in the letter. I was told that I am not responsible for the charges on my Venmo Credit Card because they are fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Product: Payday loan, title loan, or personal loan

I received a special offer from Conn 's home plus about my past due payments. when i called about it and talk to them on XX/XX/XXXX, I was given 3 options.. # 1 pay XXXX payment in full, # 2 refinance the remaining balance, # 3 pay XXXX and the remaining past due payments would be put at the end of the line ( deferred ) and next month in XX/XX/XXXX I will be back on track with my payments, It was stated to me that either option would bring my account up to current status. I agreed to option # 3 due to me being close to paying off the account. Arrangements were made for the payment of XXXX to be debited out of my bank account on XX/XX/XXXX, my social security check was a little late being direct deposited but Conn 's did in fact receive their payment. On the same date of XX/XX/XXXX I started receiving credit alerts on my smart phone and found out that Conn 's had reported me as delinquent on my credit reports, I contacted Conn 's  and told them what happened and told them that they can not do that, arrangements were made, this is what I was told, that I upheld my end of the payment agreement why are you breaching yours. Conn 's wanted to argue about the remaining late payments and I told them that they were deferred in the arrangement and that this is a violation on the Fair debt credit reporting act and they are going to have to take the delinquency off my reports. Conn 's has breached their end of the arrangement and were deceptive in making their agreement to the arrangements. I am willing to follow through with legal recourse as Conn 's has put damaging information on my credit reports by breaching their end of the arrangement. Conn 's is still contacting me to pay even after this payment arrangement was made. Even tho i am still recovering from a XXXX, Conn 's uses deceptive and unethical practices.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am contacting you about my social security number being compromised. I am a victim of a Data Breach/ Identity Theft. I contacted the Federal Trade Commission and filed an attached FTC Report. Please block and remove all information from my credit report and send me an updated copy of the credit report. Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. 

XXXX XXXX - XXXX This company has requested and obtained a copy of my consumer report without my consent or a permissible purpose, clearly violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. Under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. ( 15 U.S.C. 1681q ). This conduct has blatantly violated my privacy, and I am extremely upset by this unwarranted invasion. DELETE this from my report immediately! 

XXXX XXXX XXXX - XXXX This company has requested and obtained a copy of my consumer report without my consent or a permissible purpose, clearly violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. Under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. ( 15 U.S.C. 1681q ). This conduct has blatantly violated my privacy, and I am extremely upset by this unwarranted invasion. DELETE this from my report immediately!
Product: Debt collection

This debt happened XX/XX/XXXX I went to court and I am permanently XXXX as of XXXX and I do not have any money for this debt and they are calling me and threating to garnish my wages and I don't have any wages to be garnished. I use to work for the XXXX XXXX XXXX XXXX but don't anymore I need this to stop because this along is making me sick about it Portfolio Recovery
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no account with Home Depot/CBNA. I keep getting credit alerts through my bank that I have a new account ( dated XX/XX/2018 ) and this is incorrect. 
This is damaging my credit score.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I have become a victim of identity theft due to the XXXX data Breach. I contacted the Federal Trade Commission and filed a FTC complaint XXXX XXXXXXXX which is attached. There are accounts on my report which have been exposed XXXX data Breach. These accounts are hindering me from obtaining new credit and thus causing me much hardship. the credit bureaus are not listening to anything i say. 

Please take this matter very seriously. I hope your agency takes the full extent of federal law into account when dealing with cases like this. Under the FCRA of 1970 Section 609 { e ) I request that all the information circled on my credit report be blocked from my consumer credit file with your company pending your full investigation. I am 100 % willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to assure everything is being done to remove these fraudulent accounts from my report. Please be aware all required documentation is within this packet and has been Faxed and mailed via Certified mail to the Credit Bureaus. 

Please remove all accounts from my credit report. Thanks for your help with this matter. 

XXXX XXXX OF XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please check the information concerning Equifax data breach In the below attachments
Product: Credit reporting or other personal consumer reports

The details of the fraudulent Inquiries are as follows : XXXXXXXX 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 XXXX XXXXXX/XX/XXXX