23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On the fall of XX/XX/XXXX I decided I wanted to get some unwanted tattoes removed. I went to XXXX unaware that you have to take out a loan through a third party in order to get the services done. I decided to do it anyway because I knew I could pay back the monthy charge without any issue. I tried to set up my bank account through their credit union but for some reason nothing was working. Instead of buting my brain I just decided to withdraw from the seccions and step away from any credit union. After  receiving confirmation from XXXX that the credit had been refunded I started looking for my other options. It is now almost spring of XX/XX/XXXX and they are harrassing me with diffrent collections agency on the same matter. The company sending the collection agencies is XXXX XXXX XXXX XXXX.
Product: Checking or savings account

USAA does not have an effective process for adding joint owners to deposit accounts. 

Adding a non-citizen spouse to my checking and savings accounts was initiated in XXXX 2017 but  not concluded until XXXX 2017 and then only after multiple communications between USAA and me that included two letters, three online uploads and over five telephone calls to USAA agents. Only in the final communication ( a phone call initiated by me ) was a USAA agent able to communicate the details of what needed to be corrected. 

Specifically, USAA does not have an effective process for notifying account holders of error conditions associated with providing documentation required by IRS code. In my case, I submitted a XXXX but did not complete the form correctly. USAA was unable to communicate the nature of the error to me online, or my mail or after three telephone calls to inquire status of adding my spouse to the account. I received communication from USAA by phone ( twice ) and by US postal mail ( twice ) which said in essence " call us, there 's a problem '' but the calls and messages did not indicate what type of problem was involved or how to correct it. On four occasions I contacted USAA in response, the agent was unable to tell me what the problem was. On three occasions I was informed that the joint owner was added and action was complete, but this was not accurate. 

In two letters sent by US postal mail, and in two calls initiated by USAA and in five telephone calls, no USAA agent communicated to me what in the XXXX was not correct. 

Ultimately, the error was communicated and an form re-submitted. So my immediate need was resolved after much frustration. The problem with USAA 's process still exists and may cause other consumers the same problem I experienced.
Product: Credit reporting or other personal consumer reports

On XX/XX/24 I logged into my online account to remove a credit freeze. I was able to log in just fine, but the system stated it was unable to determine the status of my credit freeze. I tried to unfreeze my account, but was unable to do so. 

Called support, which took 1 hr to get through. Agent was unable to fix the issue. She stated she would escalate the issue to " support '' and that I need to wait 3-5 days for a resolution. I told her that was unacceptable and that this freeze was preventing me from obtaining credit. I stated time was of the essence and that I needed a resolution same day. 

I also explained that while we were on the phone, my online session had timed out and that I could no longer log into my account. She said she was unable to help with that either and that I needed to wait for support to fix that issue as well. 

Agent would only identify herself as XXXX. Would not provide employee ID or location. I requested she forward my name and phone # to her support department and stress the urgency of this issue. I asked for a call from " support '' and a status same day. 

As a result of Equifax 's failure to timely resolve this issue, I may suffer loss of a financial opportunity. It is estimated that failure to resolve the issue same day will cost me approximately {$1000.00} in losses.
Product: Debt collection

This company works for progressive insurance at the time of cares act when everything was XXXX down they did not credit my bills as they stated they would because we all were on mandatory shut down
Product: Debt collection

Please ask this debt collector to verify this debt? 
I do not owe this debt and please ask the creditor to answer the questions below? 
Collector Information : XXXX XXXX Original debt collector : 09 XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number : XXXX Collector information XXXX XXXX  Original Debtor : XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX Phone number : XXXX 1 ). Proof that you either own or were assigned the debt from the creditor.

( 2 ). Proof that you have the right to collect this debt in my state. ( 3 ). Proof that your company carries a bond.

( 4 ). Proof of how your company assessed the outstanding debt. ( 5 ). Payment history from the original creditor.

( 6 ). Name and address from the original creditor.

( 7 ). Copy of the original contract bearing my signature.

( 8 ). Chain of title on this debt.

( 9 ). Proof that you can collect this debt from me.

( 10 ). Do you own it or is this debt assigned?

( 11 ). Copies of all letters sent to me from you and from the original creditor.

( 12 ). How much did you buy the debt for?

( 13 ). When was the last date a payment was made on this debt?

( 14 ). What fees/interest was tacked onto the debt?

( 15 ). How were the fees determined?
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Reporting companies XXXX  Equifax and XXXX  all refuse to remove fraudulent Id theft accounts XXXX  & XXXX  VISA/XXXX/XXXX  from my credit reports even though they are unable to verify correct information that link accounts to me. 
There is a lot of missing information that they can not provide like original creditor name and or past due amounts. I have submitted police reports, FTC ID theft reports and have requested these accounts be blocked due to Fraud but each company outright and willfully refuses to comply the the law and leaves these inaccurate accounts and inquiries on my reports which adversely negatively affect my life
Product: Mortgage

XXXX XXXX XXXX, ex wife was court ordered to pay mortgage. Have sent copies of divorce order multiple times to lender to have name removed. House foreclosed on in XXXX and keeps reappearing on my report and being updated. Most recent credit report shows it wont be removed until XX/XX/XXXX.
Product: Bank account or service

i for got my back pack on a city bus, when i realized I left it on the bus with all my credentials I called the transportation department to no avail. I called my bank Bank Of America and notified them of my loss they said they would freeze the account and that I would have to re-open a new account to prevent identity theft. I only had a few dollars in there so I did n't worry about it. 
on my next payday I went to try to open a new account and was advised of a returned Item. 
and from there on I havent been able to clear this matter.
Product: Debt collection

The company called me 5 times in 1 day. I called them back and they refused to tell me what the company was. He kept calling me names and telling me he wasnt playing games. This is ridiculous. Youre a child.
Product: Debt collection

I have made multiple disputes about this. Last one was sent on XX/XX/2024. I requested that the debt in the amount of {$1700.00} be removed from my account. That debt belongs to XXXX XXXX.
Product: Vehicle loan or lease

Took out a vehicle loan with Santander USA in XXXX. Consistent issues with the company including a wrongful repossession while the primary account holder was on active military duty and was gone for training. Company reported the account to credit bureaus as charged off/bad debt, even though we were still making payments. Company finally provided a notarized letter stating the account was paid in full in XX/XX/XXXX, but has not reported that information to credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent EQUAFIX a certified dispute solely expressing inaccurate late payments in my consumer file. Credit Act 15 U.S.C. 1681 ( 2 ) ( a ) ( I ) Exclusions from a Consumer credit report ; Which they received XXXX XXXX at location XXXX, GA XXXX. I went into explanation how my rights were being violated and I want to dispute and make correction of those late payments to be deleted. Equafix in fact violated the law by not having in dispute listed in my consumer file while this late payment dispute is underway. Which is Liability for willful noncompliance { 15 U.S.C. 1681n }. According to 15 U.S.C. 1681i ( 5 ) ( a ) ( i ) Treatment of inaccurate or Unverifiable information if EQAFIX was unable to verify the late payment belongs in my file then this investigation was deemed considered to be UNVERIFIABLE so in fact must be removed. I want the late payments to be deleted expeditiously. And I want receive my full consumer report reflecting the deletion and the current report as of the deletion; mailed to me through via postal mail.
Product: Debt collection

Received derogatory for an old medical debt week of XX/XX/21. Received offer to settle it for {$79.00}, which I promptly did on line. Funds were withdrawn from my bank account on XX/XX/21. Payment shows as received on their website, however they have STILL not " officially '' posted it nor reported said payment to the credit bureaus. I call them every day, I have emailed them screenshots. No joy. To my own dismay, I have resorted to abusung them back lately. I am trying to get a $ XXXX mortgage right now, and a ridiculous {$79.00} that I already paid is holding it up. This is unacceptable.
Product: Debt collection

On XX/XX/XXXX, I mailed Ally Financial a cease and desist along with other legal forms advising them pursuant to 15 USC 1692c. ( c ), I was notifying them in writing that I refuse to pay this alleged debt, and I demanded that they cease all forms of communication with me through any and all mediums. 
A return receipt and USPS tracking number indicated the mail was signed and received on XX/XX/XXXX. 
I have received numerous calls from Ally Financial, with voicemails left after the mail was received with the most recent being today, XX/XX/XXXX.
Product: Debt collection

XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, Georgia XXXX I.C. System XXXX. XXXX XXXX XXXX XXXX, MN XXXX I am writing in response to collection, XXXX. # XXXX, XXXX  XXXX XXXX XXXX, in the amount of : 1. {$1400.00} 2. {$85.00} 3. {$930.00} I.C SYSYTEM, nor XXXX  XXXX XXXX XXXX, have produced a contractual agreement upon which I entered and agreed to establish a relationship. 

I am victim of identity theft and would like I.C. System to provide proper validation, above verification, of any relationship established. I am exhausting all efforts to quiet this claim, and aware of legal remedies, that could be costly, to have I.C. System, Inc., prove in a court of law that this debt is valid. I.C. SYSTEM, INC. continues to harm my credit file with negative reporting and not properly validating alleged claims and shall remove this immediately! 

If I do not receive proper validation within 45 days or less, you are obligated to have this negative reporting removed from my credit file permanently. This letter is in accordance with FDCPA, 15 U.S. Code 1692g. ; FCRA, 15 U.S.C. 1681-1681x. 


XXXX XXXX
Product: Credit card

I was on a work trip to XXXX XXXX from the XXXX to XXXX of XXXX. I use this card for bigger transactions so when I arrived at the hotel at XXXX on Monday following a XXXX hour flight delay I chose this card to pay for any incidentals at the hotel. I didnt use it again. 
The following Saturday when I got home I was starting to pull receipts for my expense report when I noticed XXXX {$700.00} expenses. One that went through and one pending. When I looked at the expense it showed that it was for a block chain company called XXXX but the description of goods was XXXX and XXXX and the category was XXXX. Obviously fake. 
I didnt want to file a police report as I felt that it would be an easy fix so its so obviously fake and someone used a skimmer on my card. 
I contacted Bank of America to explain but they denied my claim saying that someone had tapped my card and used my pin or signature. I contested this saying that when you google the goods you can see that its fake and also that I dont use a pin for this card so anyone could forge my signature. They again denied it saying its obvious that I used it or someone I gave permission to used it. So they are now requiring me to pay {$1400.00} on XXXX fake charges because their systems show that someone tapped and signed. No one actually looked to see if the company was real. There is not a possibility they have a copy of the receipt and are not doing the due diligence of researching my claim.
Product: Debt collection

This is the 3 time I have disputed and filed a complaint with the CFPB and the FTCoveraccounts : AARGON AGENCY # XXXX Third-Party Collection Agency is unable to validate the debt.Other problems have included debt buyers selling with accounts with one creditor and thenbeing collecting by another who allegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyershave purchased partial portfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist.LEXIS 24157 ( E.D.N.Y., April 2, 2007 ) ( dispute over who owned the 1/5th of a portfolio thatincluded the debtor 's account ), or debt buyers attempting to collect monies in excess of thebalance of a previously settled debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp.2d 193 ( N.D.N.Y. 2008 ) ) there are so many violations I don't which one to start with. All ofthese accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!! Ihave not received any documentation from any of the above companies and I request againthat Proof of Claim and verification.
Product: Debt collection

On XX/XX/2020 RESURGENT RECEIVABLES LL started reporting on my credit report. last month I personally wrote this company and let them know I did not consent to having them report on my consumer report I actually sent them a notice to XXXX XXXX XXXX all XXXX through ANY and ALL mediums including my consumer report. This company is practicing fraudulent XXXX XXXX practices and continuing to further harm me as the consumer. I have a right to have my consumer report reflect me in an equitable light and this company is in violation of that right. This company is also in violation of buying my personal information without written consent from the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX continues to report a delinquent account to XXXX, Experian and XXXX despite proof that the account was never actually late. The reporting of the erroneous late payment has not only impacted my credit score, but caused me to be denied a home mortgage loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit files, on XX/XX/2017 I wrote to XXXX XXXX a collection company reporting account number XXXX and disputed the account reported on my credit files. I explained to the company that this account was unknown to me and I required full validation of this account. I believe that my personal information was used to obtain accounts with out my consent and it is for this reason I need to know the full details of how this account was opened by XXXX XXXX ( please see the attached copy of the letter sent ) and received no response. 

I then wrote to the credit bureaus and see why the account is still reporting inaccurate information about me and received no response. 

I request the assistance of the CFPB in the communication of my dispute.
Product: Debt collection

The debt collectors have called me multiple times over several months attempting to collect a debt that is not mine. My phone number is incorrectly associated with the person who owes the debt. When I call, some of the collectors will tell me the name of the person who they are trying to reach and some will lie and say they can not tell me due to the privacy act and that I have to tell them who I am first. These harassing calls continue every time the debt is sold, just because my phone number is erroneously associated with this persons debt. Most recently, a collector denied me the ability to speak with a supervisor about the issue after calling me while I was at work.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act these creditors have violated my rights under 15usc1681section 602 States that I have the right to privacy 15usc1681 604 A ( 2 ) also states a consumer reporting agency can not furnish a account without my written instructions.Under 15usc1666 ( b ) States a creditor may not treat a payment on a credit card account under a open and consumer credit plan as late for any purpose.
Product: Debt collection

XX/XX/year> at XXXX XXXX XXXX time I received a phone call from XXXX XXXX XXXX. The representative stated they were calling from Midland Credit Management. They told me it was an attempt to collect a debt. I asked the representative to please stop communication via phone and to please only send written communication. I also asked representative can they send me a Validation of Debt letter stating payment history proving to me the debt is mine, and where the debt is from, the account balance. I want everything there is to know about this debt. The representative told me his name was XXXX XXXX. XXXX refused to comply with what I was asking him. He kept repeating " go to the website '' over and over again. He refused to send the letter. He also repeatedly asked me " what are you going to do after you get the letter? '' XXXX continued to badger me over the phone about the debt when all I was asking for was a Validation of Debt letter mailed to me. He refused. XXXX also refused to verify the correct address to ensure the letter would get sent to the correct location. He told me information was sent to me about the debt, I informed him I never received the information and if he could verify the address, he refused. This call became a back and fourth and I'm being toyed with over the phone by a debt collector. If this debt collector is unable to validate this debt, they must cease all collection efforts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get the credit report online in XXXX & other credit websites, also tried to apply CreditCard in bank websites, but i am getting the response as " Your personal information doesn't match with credit bureau records '' .. I strongly believe that my Credit information is missing the XXXX XXXX.
Product: Debt collection

I got a bill from XXXX XXXX XXXX XXXX for an XXXX room visit. I called to pay the bill, the woman helping me on the phone offered me a discount to pay in cash. I obliged and paid my debt. However, the discount amount was sent to collections as if I was suppose to pay it. On the online portal it shows that I owe a balance {$0.00} and clearly outlines the discount. I have been sent to collections. IC Systems is handling the collections, I called to dispute, I explained the situation, they did research and determined I still owed the money. However, again, logging into XXXX XXXX XXXX XXXX I see a balance of {$0.00}. 

As far as I was concerned the debt was paid in full. However, they have failed to account for the discount. I have documentation of the discount and can still be accessed on their website.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT ARE NOT MINE AND ACCOUNTS THAT WERE NEVER LATE. I HAVE FILED SEVERAL COMPLAINTS ON YOUR BUREAU FOR DEADLINE VIOLATIONS WITH THE CFPB XXXX CONSUMER FINANCIAL PROTECTION BUREAU ) I ALSO NEED THE SINGLE ACCOUNT LISTED TO HAVE THE LATE PAYMENT HISTORY AMENDED TO NEVER LATE I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. WE HAVE OVER THREE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE STATUES UNDER THE FCRA. 
I HAVE AN ESCROW PENDING AND THE BELOW ACCOUNTS ARE HINDERING MY LOAN APPROVAL. THE VALUE AMOUNT IS {XXXX}. IF THESE ACCOUNTS ARE NOT DELETED BY XXXX. I WILL HAVE TO INITIATE LITIGATION WITH THE ASSISTANCE OF XXXX XXXX XXXX XXXX. THIS LAW FIRM. SPECIALIZES IN FCRA VIOLATIONS
Product: Consumer Loan

I am being charged a late fee each month on a purchase I made which was financed thru Wells Fargo, This was a 12 mo no interest agreement. I get paid once a month at the beginning of the month so make payment at that time so it 's not late. All of my payments are made online which states payments take effect the same day if submitted by XXXX Pacific Time. I made a payment of {$140.00} on XXXX/XXXX/15 which was the end of the billing cycle, but the payment did n't show up until the billing cycle beginning XXXX/XXXX/15 and then charged me a late fee. Each month I 've been charged a late fee and a {$1.00} interest charge. 
They said I pay too early and they ca n't do anything about the late fees, but would refund 2 months which they only refunded 1 month and then charged me again. I have attached copies of the receipts and statements where the problem first began.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. XXXX I sent my FTC report and PA license to XXXX, Equifax, and XXXX. I did not authorize these fraudulent accounts. I will be filing a civil suit for the reporting of fraudulent accounts on my consumer report.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report this morning, I was stunned to find inaccurate accounts listed for no apparent reason. Ive always checked my credit report consistently, and this has never happened before. I refreshed my browser, hoping it was just a technical error, but the errors didnt go away. Im now asking for a careful review of my submitted documents so I can stop worrying about this issue.
Product: Debt collection

Attempted to dispute debt multiple times with credit bureau but stated debt was legit. I have not received a bill for this amount. I have attempted to reach out to the XXXX XXXX XXXX XXXX and they are unable to produce an itemized bill for dates of service. Stating I owe {$970.00} for medical debt, however, I do not. This is NEGATIVELY affecting my credit score and I need for it to be erased. This has been going on for two months. I need action taken immediately.
Product: Debt collection

This company has a collection that is not mine that is reporting on my credit report. However it's also been discovered that this company does not even have a collection agency license in my state of South Carolina. They only have a license to collect in the states listed on XXXX  This is a violation of the Fair Debt Collection Practices Act.