23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This all started in 2016 when I opened a account with XXXX XXXX. I found a {$11000.00} Debit and a collection agency tied to this information Pennical.
Their client for whom they were collecting for was XXXX XXXX XXXX XXXX XXXX. Someone has purchased a timeshare from this resort in my name. I have alerted Pennical several times I have never been to this resort and never ever purchased a timeshare. The response I got was they increased the debt to {$14000.00}. I have called the resort only to be referred to Pennical collections. I requested the paperwork for this account and Pennical representative claimed he would email it. Never received anything.This has turned into some type of sick game for the collection agency and it has ruined my credit. Please help me this is not my purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : {$4600.00} XXXX  Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Balance XXXX {$4400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/ CPS Inquired on XXXX XXXX XXXX  XXXX XXXXXXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX  XXXX XXXX  Inquired on XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/2021 I got direct deposit routing number from chat online from the bank. It was the wrong routing number. Corrected it XX/XX/2021 with the bank and payroll of my job by phone. I have been in contact with my payroll and the bank almost 2 and half weeks. Now receiving a new deposit. Yesterday {$500.00} hit my account I am due another deposit of {$500.00} as we have entered into a new pay period. This is a problem because this is must use system and it does not correct it self effectively. I am being told inconsistent things and the bank gain the interest on the funds delayed. I dont I am late paying my rent and bills. I have enough to figure out on my own. This system is a hinderance if I had gotten paid on Friday by paper check then I could distribute my own funds without a third party or routing number. Please help me get my funds so I can pay rent the full amount.
Product: Debt collection

As of XX/XX/2022 without prior notice in writing to me, consumer ; I am not 100 % percent sure if this account belongs to me. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Equifax and XXXX XXXX XXXX are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, account # # # XXXX alleging {$13000.00} is owed, the account must be deleted. I want this account deleted if it not 100 percent right, verified, validated and correct. By law you have 30 days to complete this investigation. Said investigation must have proof of contract, with my wet ink signature to include proof showing a power of attorney that I granted XXXX XXXX XXXX consent to share my personal information to third party debt collectors and XXXX XXXX XXXX. 

Account Name : INDIVIDUAL ACCOUNT Account Number : # # # XXXX Please investigate every piece of information for this account. If it's not accurate, please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to have any items/INFORMATION that you are furnishing deleted from your company 's database because you are reporting information inaccurately as well as incorrectly and without my written consent to do so which is actually labeled as Aggravated Identity Fraud and a violation of my rights which is punishable by state and federal law. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX, I reported to XXXX, Equifax, and XXXX, that information on my credit report is incorrect. Date of first delinquency being reported by XXXX XXXX XXXX ( XXXX ) is incorrect. They were even falsely reporting payments that were never made. This was a loan obtained in XXXX which is now a 10 year old account still being reflected on my credit report. It is being reported that last activity was XXXX when in fact no activity has been made 5 years beyond that.
Product: Credit reporting or other personal consumer reports

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 has violated my rights. 

I looked at my Experian credit report on XX/XX/scrub>XXXX XXXX XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

World finance co # XXXX XXXX XXXX XXXX XXXX, SC XXXX. 
To whom it may concern this company has filed a collection on my credit report for an inaccurate amount. This company has also placed numerous negative marks on my credit report. An hopes to resolve this issue I dispute the collection due to amount inaccurate an asked to be provided something in writing explaining and showing proof of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts belong to someone else. I am a victim of id theft XXXX XXXX XXXX XXXX XXXX Never late XXXX XXXX XXXXXXXX Never late XXXX XXXX bank XXXX Never Late XXXX XXXX XXXX Account is fraud not mine XXXX XXXXXXXX Account is fraud not mine XXXX XXXX XXXX XXXXXXXX Account never late XXXX XXXX XXXXXXXX Account never late XXXXXXXX XXXX XXXXXXXX Account is fraud not mine XXXXXXXX XXXX XXXXXXXX Account is fraud not mine XXXXXXXX XXXX XXXX XXXXXXXX Account is fraud not mine XXXX XXXX Account is fraud not mine XXXXXXXX XXXX XXXXXXXX Account is not mine XXXX XXXX XXXXXXXX Account is fraud not mine
Product: Debt collection

I got a new phone number from my new cable company. I do not owe anyone, any debts. The second and third day of my new phone number I got a call from a debt collection company. It was a robo call with instructions to call XXXX. I have not called them. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Santander Consumer USA on my credit report and they are over 7 years old and should be removed from my credit report. Also, they sold the debt are hired XXXX XXXX XXXX after sending XXXX XXXX XXXX a Validation Letter they removed themselves off my credit report. But Santander Consumer USA didn't follow through with the same actions. I would like for Santander Consumer USA to remove themselves from my credit report because they are 7 years old and the FCRA and FACTA both states that the credit report has to have accurate information on it. In this case XXXX has not been following the Law.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity theft and my information has been exposed on the XXXX data breach and I discovered multiple accounts on my credit report that was not opened by me the accounts are XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need this resolved as soon as possible because this is scary and frustrated there are also multiple addresses on my credit that don't belong to me and multiple social security variations on my credit report and employers and phone numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed 3 hard inquires on my credit report. 
1 ) XXXX  XXXX. I thought I was doing a calculation. ( XXXX ) 2 ) XXXX XXXX ( XXXX XXXX ) I dont know who or what this is. 
3 ) XXXX XXXX ( XXXX XXXX ) same as above
Product: Student loan

On XX/XX/18 XXXX XXXX ( Account Manager ) on XXXX XXXX contacted my boyfriend 's step-mother, claiming that I had her as a contact on my student loan. This is completely fraudulent. I do not have XXXX XXXX as my contact. I am unsure as to how they obtained XXXX XXXX 's information, given that I do not have her phone number, and neither does my boyfriend. Imagine how surprised we were to receive a phone call from my boyfriend 's father that XXXX XXXX was illegally and fraudulently contacting someone regarding sensitive financial situation. https : //www.ftc.gov/XXXX. I have attached the federal rules and regulations regarding debt collection, since XXXX XXXX claims they re not a debt collector, I want XXXX XXXX to pay close attention to the definition of a debt collector. Additionally, I want them to see how they are violating various laws by contacting and sharing financial information with those unauthorized to receive it, " false or misleading representations ( 10 ). '' I have a copy of the audio file sent to Mrs. XXXX from XXXX XXXX. I also have a copy of my promissory note that states the two people authorized to receive my financial information.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), Please investigate the unverifiable items and remove them immediately from my report : XXXX XXXX XXXX XXXX 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

I XXXX : Shorter a living woman of XXXX I did a ucc 11 sreach on my name and I don't owe any debt due the credit card company sold the debt to a thurd party and put the account in XXXX person name with out permission so that's illegal due to the privacy act of 1974, 5 usc 552a private ssn 15 usc 1681a , tila and due to the fcra The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ) .The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act.i ask ( " the sole called creditor '' ) the creditor either the original creditor or a debt collector for what's called a goodwill deletion. I Wrote the collector a goodwill letter explaining your circumstances and why you would like the debt removed, and company didn't take it off then company closed the account of another person name XXXX XXXX Without out permission said it was suspicious activity going on which was not true and then sold account to 3rd party under another person name without permission I rescinded the signature and paid off the account with a negotiable instrument and they denied that as well which all companies are supposed to take any us currency which we don't owe any debt in the first place they are making money off an account I rescinded so they are stealing our securities as well off the applications in 3 people name off 1 account which is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. 

XXXX XXXX {$600.00} XXXX  XXXX XXXX {$2300.00} XXXX   XXXX {$880.00} XXXX XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX {$2500.00}
Product: Mortgage

I have been trying to work this out. I was in the middle of responding to the company and at the same time they put my home up for foreclosure. The attached letter dated XX/XX/XXXX, did not mention the foreclosure date of XX/XX/XXXX.
Product: Vehicle loan or lease

I need your assistance in reviewing accounts from companies that have inaccurately reported late payments. After checking my credit report, I noticed certain accounts incorrectly marked as late. These accounts should not have any late payment remarks. Please remove these inaccuracies and update the accounts as positive, as agreed.
Product: Checking or savings account

I had XXXX XXXX dollars taken from my savings account front my bank and I didnt receive a bank statement for almost 4 months notifying me of the withdrawal after contacting them they said my son withdrew the money witch was impossible because he didnt know about the account or know the account number it was bankcorp south in XXXX ar.XXXX they also know that my son didnt take the money out of my account and whenever its brought up they play like it really happened? and are very defensive and it good liars
Product: Debt collection

Vital Recovery had contacted me several weeks ago, outside the hours of XXXX and XXXX. At that time I advised them that although I have an XXXX phone number I actually live in Hawaii. I advised and confirmed with them my physical address, and advised them that I do not wish to receive calls outside the XXXX to XXXX window. Today XXXX/XXXX/2015 I received a phone call from them at XXXX XXXX XXXX Time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX & XXXX XXXX  XXXX XXXX : {$230000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to XXXX, Equifax, XXXX. Here is my tracking number XXXX. However the credit bureaus said they completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a- Difination ; rules of construction. 

The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer of from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 
How did they complete this investigation?
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus never did a proper investigation according to the FCRA In accordance with the fair credit reporting everything has to be a 100 % accurate on my credit report The credit bureau 's stated my account was properly investigation but how is that possible if the open date last active is inaccurate and the date last reported is not accurate this is grounds for removal. 

In accordance with the fair credit reporting at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A states I have 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit card or prepaid card

Everytime I get ready to use the card it works then after one purchase it doesn't and I have called numerous times to get it fixed and was assured I would not have a problem but now it doesn't work cause my number is not on a fraud alert but it has been working in the past my number is on my fraud alert but they say it's not I even removed the fraud alert but they still won't unblock my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started to shop a car and visited a local car dealer. I asked what I can afford and been answered that I need a soft credit check to see where my payments can go. I said OK. Eventually a dealer run multiple hard inquiries without my permission. I reached their financial department and got a response that a sales person described incorrectly to the financial department that caused misunderstanding in a dealership. They can't help me. I reached all 3 credit bureaus and didn't find help. 

Hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I opened a citibank credit card with a balance transfer offer of 0 % until XX/XX/XXXX. I have been paying on that offer since it opened ( and upon opening I paid 5 % of the full transfer amount as a fee to get this promotional rate ). I transferred {$4200.00} and paid {$120.00} for the fee. I have been consistently paying {$220.00} per month to pay this off before the 0 % interest ends. 

In XX/XX/XXXXXXXX  Citi offered a flex loan on my card - money I could have sent to my checking account at a 7.99 % interest and a 3 year payment period of {$85.00} per month. I took advantage of this offer and took out the loan for {$2700.00} I called to see how I could make the {$85.00} payment and still pay the {$220.00} I have been paying each month on the XXXX interest balance transfer. The supervisor advised I can not do this. All extra money will go to the flex loan as that is the higher balance. I asked if I payed off the flex loan would my remaining balance still be at XXXX  %. She said yes, and I reiterated this again. 

I paid the flex loan in full 5 days after it posted to my account. Citi is now saying since it was not yet on a billing statement that it wasn't an actual charge yet ( but it was showing in my transaction as being a charge on XX/XX/XXXXXXXX  ( it was paid in full on XX/XX/XXXX ). They are now taking my original remaining balance of {$2100.00} and charging me the 7.99 % interest instead of the 0 %. 

I asked to have my transfer fee of {$120.00} refunded as I only paid a fee to have the 0 %. All they did was offer {$50.00} credit and that was after the agent said she had no more sound and never called me back, so I could not even tell them I did not agree to that as satisfactory. 

They should be giving me the full term at 0 % as I clearly paid off the flex loan per their own policy or they should fully refund the transfer fee as I did not get the rate for the term associated with that fee.
Product: Checking or savings account

On XXXX XX/XX/2022 evening, hsbc restricted my account without updating me the reason why so the next day i head down to the branch and asked. So they said i have made a repeated transaction via paynow to others and one of my transaction i state it as cat supplies. First of all, all transaction is to myself and no one else and i state it as cat supplies because obviously i going to buy my pet stuff. Hsbc account tht im holding is a savings account. I have been pestering them via calls and heading down to branch. Still there is no updates, even some of the customer service are rude. This isnt fair for them to restrict my account for such a long period and went MIA afterwards.