23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In  XXXX  of   XXXX   we discontinued our  XXXX   XXXX   XXXX  service. We were forced to move from our home and we tried to keep the service.But  XXXX   XXXX   XXXX  did not offer service in our new area. Forcing us having to cancel service. When we canceled our bill was  XXXX  balance and due to the circumstances they were not going charge us early termination fee as we were keeping our  XXXX  service. And it was all bundled together when we signed up. In fact we even paid a  XXXX  $ deposit for the service when we started.    XXXX   XXXX   XXXX  continued billing us and still had our account messed up as it was still linked to  XXXX . It was n't until  XXXX  of   XXXX   that  XXXX   XXXX   XXXX  shut down our verse account and made it a  XXXX  bill. We have disputed this bill over and over for a year to   the date.
The bill is now in the possession of Southwest Credit Collection Agency. We di  sputed this bill in there office.We have requested a full explanation of bill. When they sent us a bill they also sent us another bill from a hospital. Which is n't ours. It also has the hospitals account number as well as the hospitals foundation number on the paper.   It is in violation of FDCPA la w 805  section B.   They did n't even send us our bill as requested.   They are now claiming early termination charges as well  as misc charges in which we or southwest credit collections h as no clue.
Product: Credit reporting or other personal consumer reports

The creditor is extending past due periods and refuses to address the delinquency dates
Product: Debt collection

every day for the last 4 months XXXX XXXX has been calling my no and my wifes no 2 to 3 times a day at all times of any given day on Sat and Sundays also. I have asked 10 or 20 times for them to stop calling and they have even texted my wife stating where is the truck XXXX XXXX we will have you arrested. I even called the CEO of XXXX XXXX he lied and said they only call once a day according to his records but my records and phone shows they have called us over a 100 times. One employee stated he and they will call every XXXX day till debt is paid. We are so tired of companys breaking the law and no agencies do anything bout it. We as hard working tax paying Americans are held to obey the law and its ok, but company think they are above the law in question. What I think shoulsd be done is to be paid XXXX a call for their unlawful collection acts and violations of the Fair Debt Collection act.
Product: Checking or savings account

XXXX XX/XX/2023 Chime informed me that I was approved for my dispute in the amount of {$2000.00} they then proceeded to send an email to show my account was closed and I will be receiving a check within 30 days. I sent an email to received a tracking number never heard anything I then called into chime XX/XX/2023 the guy informed me that I will be receiving a Check hours later I received a email saying I couldnt be verified and I was denied they are completely lying about not being able to verify me. I keep getting the run around about the situation i have spoke with over 10 people about the situation and I keep getting different answers each time I keep getting automotive emails with NO UPDATE I would like to report chime and I will like for them to send my funds over asap!
Product: Money transfer, virtual currency, or money service

This complaint about Money Gram.on XX/XX/XXXX I did sent {$1000.00} to XXXX XXXX ( to my wife ) from XXXX XXXX XXXX. 
The reference number is XXXX. 
My wife ( in XXXX XXXX ) went to money gram agent and requested the money I had sent under the above reference number but the agent in XXXX XXXX says there is no money under the reference number. Then I called ( several times ) to money gram agent and asked what happened then agent said they want to investigate ( or find out ) who is the receiver and gave some phone numbers to contact from XXXX XXXX but non of the numbers are not working and all the money gram agent my wife went were saying the numbers have given not working and further said the money gram trying to hide something that do not want to tell us. 
I did called several times to money gram and one agent says they want to give my personal information to the government body hear in US then I gave my all the information to the money gram, after that they say they want to do same thing with my wife but never give correct phone numbers or address to contact in XXXX XXXX. 
Money gram involves with this complaint. 
I have sent money through money gram since last four year never expected like this before.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple inaccuracies found on my credit report. After conducting a thorough review of my credit file, I have identified several accounts that do not belong to me and were fraudulently opened using my personal information. I believe I am the victim of identity theft, and I am requesting the immediate removal of these items from my credit report. 
The following accounts were fraudulently opened and are inaccurate : 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 These accounts were opened by an individual or individuals who used my stolen identity. I have never provided my personal information for the purpose of opening accounts with any of these institutions. Therefore, I do not recognize these accounts, nor do I have any knowledge of their origin.
Product: Credit reporting or other personal consumer reports

I have formally written multiple letters to dispute the validity of a debt that ALLY FINANCIAL, and other credit agencies claims I owe. These agencies are using illegal tactics and unfair practices that has resulted in inaccurate and incomplete credit information. I have notified the agencies violating my rights as a consumer that never voluntarily surrendered any vehicle nor have I ever made a late payment. the vehicle was fully paid off ( {$14000.00} ). This happen in XXXX, and I been continuously contact them for over 5 years to make these corrections. I have also requested the document bearing my signature of the voluntary surrender for the vehicle to the lender, which they fail t do so. I will take a legal actions against any person ( XXXX ) if this is not corrected. please consider this latter as a formal dispute of the reported debt. Thank You
Product: Debt collection

On XXXX I received a letter in mail stating they are trying to collect a debt to a creditor which I have never had service or a contract with before, the letter goes on to state that I had an account last month which is not true and a account from XXXX  which is also not true. I am not sure how my information got sold but I want to report this debt collection agency and sue for harassment.
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. 

XXXX Account number XXXX XXXX XXXX XXXX account number XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX 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

Today, XX/XX/2020, I recieved a letter from MCM threatening to take me to court if I didnt pay my balance. I had already spoken to them about not calling my spouse ( which they did without my permission ) and I told them I would contact them a few months later. So they are falsely accusing me of not being in contact with them, and threatening to sue me of a debt over a year old.
Product: Payday loan, title loan, or personal loan

I applied for a loan online on about XX/XX/28. I received a phone call the man said he was with lending tree and my loan had been approved. He had my information and wanted to verify it. Then he said the loan manager would call within 30 mins to let me know when the funds would be transferred to my bank account. I never got a call. I called back the next day and I ask this same man I talked to if they deposited to XXXX XXXX. He put me on hold said to check he came back and said yes dont worry about it they deposited to my bank. He kept saying don't worry about it. He transferred me to another man the loan manager who said it would be transferred and they did work with my XXXX XXXX and the 1st man would call me to let me know when to expect it. He sent a code to my email he said to verify it and I had to give him the code I got. Never got a call telling me when to expect funding. I called him back and had to leave message. The voice mail was generic and didn't say lending tree so I begin to worry because they have all my info. Name address social email bank account. I didn't get a call back. On XXXX I called back and was told they don't do business with my bank and they would not mail a check. If I needed funds I must go open an account at a different bank. These people lied to me and have all my info. They said they could not tell me why they don't do business with my bank and refused to mail a valid check for XXXX as promised.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. 
I demand the following accounts be verified or removed immediately. 

XXXX XXXX  - XXXX, XXXX - XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$610.00} XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance {$630.00} XXXX XXXX XXXX Balance {$550.00} XXXX XXXX XXXX  Balance {$1800.00} XXXX  XXXX Balance {$730.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX Bankruptcy U.S. Bankruptcy Court Reference # XXXX XXXX XXXX XXXX {$10000.00} 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Debt collection

XXXX. On XX/XX/year>, I received notification of accounts placed in collection from XXXX XXXX. 
Exhibits A Exhibit B. I quickly responded asking for a validation of the debt. 
Mailing address XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX email is XXXX Mobile Number is XXXX XXXX XXXX. 

XXXX. Between XX/XX/year> and XX/XX/year>, I sent weekly requests for validation of the accounts in dispute Exhibit A / B / F By email to XXXX XXXX XXXX, XXXX, XXXX Fax XXXX XXXX XXXX XXXX. The information that I had asked for outlined in Exhibits A / B /F to Validate the debt was not provided. 

XXXX. On XX/XX/year>, the account was recalled to XXXX XXXX. so they could investigate the claim. Exhibits C / D. 

XXXX. On and about XX/XX/year>, I called the XXXX XXXX Marcadis Carey PA and informed XXXX that I was no longer residing in Florida after XX/XX/year> and provided my new address at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX my email is XXXX and the mobile number would remain the same XXXX XXXX XXXX. 

XXXX. On XX/XX/year> Marcadis Carey PA filed a Civil action Filing # XXXX knowingly using an address where I no longer reside. 

XXXX. Marcadis Carey PA used deceptive and unlawful tactics to obtain a default judgment against me without my knowledge.
Product: Debt collection

I Consumer XXXX entered into a consumer credit transaction with Navy Federal on XXXX XXXX. This consumer credit transaction arose from my credit card. 15 USC 1601 defines a Credit card as any card, plate, coupon book, or other credit card device existing for the purpose of obtaining money, property, labor, or services on credit. The Credit card that was used for this consumer credit transaction was my Social Security Card. My Social Security card/ number belongs to the Social Security Administration and anything purchased with my Social Security Card is the obligation of the United States XXXX
Product: Checking or savings account

Complaint Details : Unfreeze my account.They offered no resolution to the technical error within there two-step verification link.No matter what device or other cellular phone number I use to complete this step.keep running into a dead end because the link doesn't offer me the option to take/upload a selfie of myself.I have asked everyday for the past week to forward this issue to their review team and to even have a callback, nothing has been taken into action.Initially I attempted to find out why they sent my replacement debit card to the wrong address, keep in mind this card was issued because sofi allowed the very merchant I asked them to block and flag.took money out of my account for a 3rd time.there was no accountability taken and then I get hit with a verification biased process that caused them to freeze my checking and savings account.Now I am also in the process of awaiting a 2nd debit card replacement for another priority shipping business days.XXXX XXXX was my only form of having a way to pay for my transactions : not every merchant accepts XXXX. I have been with this bank for 4 years and never encountered an issue like this before. They are rude, unacknowledgable, and unsympathetic to my sufferings.My most recent deposits from my employer as well as my child support have been pushed back or placed on hold, that i also wish to obtain in full please.At this point I'm going to bank with another bank and wish that once my account is unfrozen, that Sofi Preforms an electronic transfer of all my currency to the new bank without any hassle.They have completely lost my trust, ridiculed me, didnt work along with me as a team/trusted bank and have caused me great strife/stress with my priorities ( bills plus tacked on late fees ) from this on-going, unresolved, verification process. I am at risk of keeping my vehicle, termination of my utilities and other priorities due to this situation.I emailed my identification to the only email I could find of sofi and that was rejected. Sofi has went in without consent to resolve a $ XXXX balance that was un my checking with money from my savings. I never authorized for.my savings funds to accrue any overdrafts in my checking account. My overdraft protection is only for.my checking, and that my next direct deposit have the fees restored from that.This action was preformed during the time that I was frozen out the account. Even with the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX California, Sofi remained passive aggressive without supporting any solutions. It's their way or no way
Product: Debt collection

I monitor my credit report through XXXX, XXXX, and XXXX. I received an alert from all 3 bureaus that there was a collection account added to my reports. The company 's name is XXXX XXXX XXXX showing an account # of XXXX in the amount of {$740.00} with an original creditor named XXXX XXXX XXXX XXXX. I have never heard of the company XXXX XXXX XXXX. I am unaware of this company, the amount, the debt and its origin, therefore, this debt is not validated by me. Under the Fair Debt Collection Practices Act ( FDCPA ), the alleged debt has to be validated. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my PRIVACY and medical records from third parties. I did not give permission to XXXX XXXX XXXX XXXX to to release my medical information to a third party. My complaint is two-fold : Validation of debt and HIPAA authorization. I demand that XXXX XXXX XXXX DELETE credit reporting from XXXX, XXXX, and XXXX until this debt is validated showing proof of my signature. Any further reporting of this collection debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I demand DELETION of the erroneous account # XXXX from XXXX, XXXX, and XXXX immediately.
Product: Debt collection

I have disputed this debt with affirm several times. This is debt that i do not owe. Ive never had any relations or business with this company. They continue to furnish this debt on my credit report and have failed to report this debt as fraud. They have violated several of my rights and broken several laws. I havent given affirm my written instructions or consent to furnish anything on my credit report. They continue to violate my rights. 
If these accounts arent deleted from my credit report WITH XXXX XXXX  i will file for litigation immediately. 

According to 15 U.S.C 1681 section 602 A. states i have the right to privacy.

Also, according to 15 U.S.C 6802. No financial institution is supposed to share my information to third party people.

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.

15 U.S.C 1681 Section 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions. 

i have not given these accounts ( below ) or affirm my written permission to furnish these accounts on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Chase Bank I deposited a check into my account. The check went thru there standard hold time and clears. Chase then put a hold on my account froze it proceeded to close the account and told me they could hold my money up to 10 years before they have to send it to the state. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission.

Accounts According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

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

You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX  account # XXXX and Sync/Sams account XXXX has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove this late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Debt collection

For my Timeshare bill, the company does not send me a statement. I can not send my payment to the physical timeshare place ( in PA ) because they will not accept the payment. They use a service called Concord. Concord does NOT send me a statement for the amount but then sends me a collection notice and charges me an extra {$35.00} to take my payment. This has happened for the past 2 years. I ask for them to send me the statement or the copy of the statement and they never do. They also will not email me the statement. I feel this is a bait and switch. I want to make my payment, but they do not make it easy and I believe they intentionally send everyone to collections for the extra {$35.00} and late fees.
Product: Money transfer, virtual currency, or money service

I have not been able to access my Coinbase wallet. The error message states : " We're having connection issues/ We are looking into it right now. Please try again later. Your funds are safe '' This has been going on for XXXX days now. The " go back '' button is not clickable. I have a significant amount there. There's no way to speak or contact anybody from the company. The online form spits you out and the phone message directs you to the online form. XXXX XXXX I guess... Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX these accounts XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  has all violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate