23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Due to XXXX XXXX I and my family suffer mental and financial a lot. 
I request XXXX XXXX please remove late and annual charges and make monthly ( Easy monthly payment plan so I can pay they ok give me {$200.00} now and we gives you monthly plan ) I dont have {$200.00} at that time and request them to give me plan I will pay they said no. 
Important of all XXXX XXXX customer/Account support in XXXX. XXXX XXXX gives my personal and financial information to some call center in XXXX without my knowledge and consent. Now I feel very unsafe and want XXXX XXXX to pay for the suffering ( XXXX XXXX ) I am now a days going through. 
My family life is totally disrupted. 
I am US CITIZEN how XXXX XXXX play financial game with me. I dont have money to hire lawyers plz help me to hire one I want to sue XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

MY NAME : XXXX XXXX XXXX. 
I AM A VICTIM OF IDENTITY THEFT AND FRAUD. 
XXXX  CREDIT BUREAUS HAVE HAD DATA BREACHES, AND XXXX  ( cra 's ) ARE CORRUPT WITH HACKERS AND SCAMMERS. 
XXXX  CRA 'S HAVE VIOLALTED THE PRIVACY ACT = IS IDENTITY THEFT AND FRAUD AND FAKE CREDIT REPORTS WITH FAKE ACCOUNTS, FAKE SOFT INQUIRIES BY XXXX  XXXX SCAMMERS. 
DELETE ALL FAKE NAMES, DELETE FAKE PHONE NUMBER XXXX & DELETE ALL INFO & DELETE FAKE XXXXXXXX XXXX XXXX  IS NOT MINE XXXX AND XXXX FOR XXXX  CRA 'S ARE MISUSING MY SOCIAL SECURITY NUMBER IS A VIOALTION OF The Privacy Act. 
POLICE REPORTS ATTACHED. 
BLOCK FCRA 605B ALL MY CREDIT REPORTS FCRA 605B & Delete all soft inquiries ARE NOTPERMISSABLE WITHOUT MY PERMISSION.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice. 
LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : DISCOVER FINANCIAL SER XXXX XXXX XXXX XXXX XXXX, DE XXXX XX/XX/XXXX, XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX AND XXXX XXXXXXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. 

Thank you for your full consideration in this matter. 


Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, XXXX, and Equifax to reinvestigate the account XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Credit reporting or other personal consumer reports

Demand for immediate removal of unauthorized credit inquiries attached is a letter about improper reporting. I am formally disputing the accuracy and handling of my credit report as per the fair credit reporting act ( FCRA ) also referencing the recent XXXX lawsuit against equifqx that highlighted significant failures to follow proper dispute investigation protocols. These violations demonstrate systemic negligence and the disregard to my consumer rights, which I believe directly affects my case. 

The following items on my credit report are inaccurate and require immediate correction and or deletion : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Medical Debt Has Been Banned By The CFPB. Please Delete Any Debts Alleged Tied To Medical. The XXXX lawsuit serves as undeniable proof of failures conducted by your company. Time is of the essence. Please acknowledge receipt of this dispute letter and confirm the initiation of your investigation process immediately.
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you.

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.

YOUR COMPLAINT In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX. XXXX XXXX  Acct. # XXXX XXXX XXXX XXXX ACCT. # XXXX XXXX XXXX XXXX ACCT. # XXXX XXXX XXXX XXXXXXXX ACCT # : XXXX XXXX XXXX XXXX XXXX  ACCT. # : XXXX XXXX. XXXX / XXXX XXXX  ACCT. # : XXXX XXXX XXXX XXXX XXXX XXXX ACCT. # : XXXX XXXX. XXXX XXXX XXXX XXXX ACCT. # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCT. # : XXXX XXXX XXXX XXXX XXXX XXXX ACCT. # : XXXX XXXX These accounts has violated my rights. 15 U.S.C 1681 SECTION 602 A. Clearly 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 ) ( X1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.
Product: Debt collection

In XX/XX/XXXX, I switched cell phone providers from XXXX to XXXX. I called XXXX, who I had been with for 10+ years, to cancel my service. I had 2 leases XXXX on my account, which needed to be returned to XXXX upon cancellation. The customer service representative at XXXX asked if I would like a return kit sent to me in the mail, or if I wanted to return the phones to a company owned XXXX store. I told her I would return them to the XXXX store, and she directed to the the store at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, TX. I returned the 2 phones, in person, at the location that the XXXX employee directed me to. I have email confirmation from an employee at that location confirming that the phones were returned. I then received a bill from XXXX for {$440.00} for not returning the phones. I called and explained that I returned the phones, and was told the charges would drop off of my bill. 2-3 months later the unpaid balance showed up on my credit report. I called again, explained the situation, told them I had an email confirmation of the phones being returned, and was told a supervisor would return my call. I never received a return call, but the charge dropped of my credit report, so I assumed the issue was taken care of. I havent received a bill or any communication from XXXX since XX/XX/XXXX. However, I now show the unpaid collection balance of {$440.00} on my credit report. Ive tried to deal with XXXX directly to resolve this issue, as I followed the instructions given to me by the company on how to cancel service and return equipment, I have an email from XXXX confirming the return of the phones, but Im being charged, and my credit negatively affected by the companies disorganization and unfair billing practices. Not to mention that they have failed to notify me of an outstanding debt for the last 15 months, and then proceeded to place the account in collections on XX/XX/XXXX
Product: Debt collection

In XXXX of XXXX Santander Consumer USA sent me a 1099C for debt cancellation on the residual balance owed on a camper that my ex-husband allowed to be repossessed. I amended my XXXX income tax filing to include the amount of the canceled amount as a part of my income. The identifiable date on the 1099C was XX/XX/XXXX. On Friday XX/XX/XXXX I received another 1099C for the exact same amount with and Identifiable date of cancellation for XX/XX/XXXX. I immediately contacted Santander Consumer USA that evening, and after speaking to several associates one of whom was a manager, I was told to speak to my tax preparer and they could explain to the IRS that I had already paid the taxes on that amount. They also advised me they were limited as to what they could see because the account was inactive. I asked for the matter to be escalated and for someone to call me back who could speak to the matter. No one called me back and I reached back out to the company and was connected to someone who handled escalated calls and I sent him both of the 1099C documents for his review. He said he would research and call back, which he did on XX/XX/XXXX. He advised he had the account reactivated so I could see my payment history, but yet again provided the same messaging to contact my tax preparer and maintained they had no record of the XXXX debt cancellation. My tax preparer has no solution for not claiming this as income. I was also told at one point by Santander to ignore the 1099C, which i know is in accurate. The payment history they have provided me access to has gaps in the history. I have to claim this as income once again as to not delay my income tax return be held up. Santander has no explanation for how this has happened, or how a debt can be cancelled more than once. I feel this a very deceptive on their part, and how many other people are impacted by this action. Furthermore, if the loan was just being cancelled in XXXX, why is it not being reported negatively on my credit report.
Product: Mortgage

My monthly statements confirm that my mortgage servicing company has made the home that I purchased in XXXX un-affordable by increasing my interest rate from 2.375 % to 5.375 %, and my monthly payment from {$900.00} to {$2900.00} during one 12- month period as follows ; XX/XX/XXXX - 2.375 % interest, with {$900.00} monthly payments -- - XX/XX/XXXX 3.375 % interest, with {$2900.00} monthly payments -- - XXXX 4.375 % interest with {$2700.00} monthly payments -- - XX/XX/XXXX - 5.375 % interests with monthly payments of {$2900.00}. 

Twelve months ago, I followed my servicer instructions, with assurance that they would not foreclose, if I submitted an application along with financial information, and continued to make my {$900.00} payments, because I was entitled to get a modification of my loan by either a reduction of principle, reduction of interest, or an extension of the pay-off period to lower my monthly payment I.e. a new 20 year mortgage. 

To date however, despite my compliance with their instructions, my servicer has stalled my request for modification of my loan, by continuing to ask for more and more and more new information and resubmission of information already submitted, during which time they turned my loan over to there attorney to start foreclosure, because I continued to pay the {$900.00} amount ( as instructed ), instead of the increased interest rates and monthly payments. 

Upon notice of foreclosure, I was able to come up with and pay the difference between my previous {$900.00} and now {$2700.00} monthly payments to bring my mortgage loan current, with no assurance that they would provide the modification assistance that I need to make my loan affordable ... so that age XXXX I can live near my children that can provide the help that I now need going forward.
Product: Bank account or service

I was unaware for two days that my bank of America business checking was XXXX dollars in the negative. I rely on my phone for bank alerts, but was having technical difficulties with email updating. In the course of 2 days, XXXX XXXX and XXXX I had XXXX - {$35.00} fees from BOA that equated to {$310.00}. Mind you that my account was only {$110.00} negative. I promptly went to see a representative at XXXX sharp. Was extremely professional and said to him " I have a bunch of overdraft fees in just two days, and I 'm sure you 'll be able to waive them for me since I am a long time customer. '' Well ... I could n't have been more wrong, very, snootily and with much disdain he and confirmed by his manager, clearly stated that these were my errors and not the banks and under no circumstances will they waive the fees. I continued to be courteous and professional and pleaded with him to re-consider. He refused. I then said " Well if that 's what BOA considers Great! customer service, I no longer want to bank here, and lets please start the proceedings to close my business checking and savings account. I then in a last ditch effort, asked him squarely, " You would rather take my money in fees ( {$310.00} ) and lose my business, than help me on this matter, to continue having a loyal bank customer. His reply was " Its out of my hands the people upstairs call the shots, and I 'm sorry there is nothing I can do. " Then to make matters worse, I had deposited the amount I was over drawn, but did not have the money to pay the late fees remaining, {$280.00}. The manager then with no emotion whatsoever forewarned me that if the remaining fees were not paid XXXX things are going to happen that BOA will implement to take action against me. 1. In two days the balance will go to collection, 2. we send an alert out to all banks in our system, and you will NOT be able to open an account ANYWHERE!!! 
I own a small business, I need a business account, I had to borrow the {$280.00} to be able to open an account somewhere else. So in less than 20 minutes I went from a faithful BOA customer to we could care less about you and your problems. I left there feeling so helpless, and absolutely bullied by this way too big bank, BOA.
Product: Checking or savings account

My account was hacked on XX/XX/year>. I contacted the bank to submit a complaint. The bank initally refunded me for XXXX amount {$740.00} to XXXX. In XXXX, the bank reported that they completed their investigation, so they deducted that amount from my account. I called the store XXXX to start a complaint. XXXX told me to contact my bank again.
Product: Credit reporting or other personal consumer reports

My XXXX credit report is showing a collection to IQ Date International Inc. I have never entered any contract with this company or shared any personal information. The original creditor was paid in full. I owe no debit to the said third party.
Product: Debt collection

On XX/XX/XXXX I received a collection letter for {$3200.00} owed to Pay Pal originating on XX/XX/XXXX. And discharged on XX/XX/XXXX. The letter claimed it was from a Pay Pal Credit account. 
I did not have a Pay Pal Credit account, in fact I did not have a Pay Pal account at all. 
In XXXX, I opened a Pay Pal Credit account which has never has never been in arrears. 
Ive spoken with both Pay Pal Credit and they advised me to report it to all 3 credit agencies. XXXX XXXX ( the debt collectors ) said they would open an in house investigation regarding letter and advised to file police report. I dont know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2019 I Submitted a file and reporting Identity theft to the Equifax Bureau, and ask that they would block information. In letter I ask to verify any information according to 609 of fair credit reporting act. that state that before they can place anything on my credit report they needed original doc 's with my signature. They just sent letter that said it was verified. I'm asking that they comply and show my handwritten signature on all documents they verified or they need to remove all items from my report because it hindering me from get approved for credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple requests to have student loans removed off my credit report. I have submitted proof that this needs to be removed. I have had to call multiple times. Im tired of deal with this. It should have already been removed.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, while applying for insurance from XXXX XXXX XXXX, the insurance gave me a quote and upon conducting a background check through XXXX XXXX my quote went up to an extreme amount more due to the illegal reporting of XXXX XXXX. I was giving XXXX XXXX phone number and inquired about the information they gave to XXXX and was told that the report could only be mailed to me and it will take XXXX business days, also, the information XXXX XXXX gave the Insurtance company were convictions given by the court. 
XXXX XXXX Complaint Number is XXXX,. 
I did XXXX ot consent to XXXX XXXX giving any of my information to third party or anybody conducting a background. I also requested for them to remove me from their network and or system. I never signed any contracts or gave XXXX XXXX my information to give or provide information or statu of my person. 
When contacting XXXX XXXX they also request social security number.
Product: Credit card or prepaid card

JPMCB ( JP Morgan Chase Bank ) card closed my account and reported to XXXX consumer report companys that I was XXXX days late and charged off my account for {$9700.00}. 
This happened in XX/XX/2021 and for a year I kept writing letters stating I was not refusing to pay but rather asking them to please validate the alleged debt. This alleged debt was never validated pursuant to 15 USC 1692. 
I have been discriminated against as a Consumer and XXXX, XXXX and XXXX have ingnored my Consumer Rights as have JPMCB by allowing this to negatively effect my chances with moving forward as a Consumer. I am at my wits end.
Product: Debt collection

Contacted XX/XX/XXXX when noticed it was on credit, never received notice of right to dispute, never received any written notification. Contacted direct creditor XXXX XXXX XXXX who told me that this debt was not even held with National Credit Adjustors, but instead was held by XXXX XXXX XXXX. Called XXXX XXXX XXXX, paid them. Found out today, XX/XX/XXXX that XXXX XXXX XXXX did not own the debt and National Credit Adjustors did. I had received written notification from XXXX XXXX XXXX but never National Credit Adjustors.

I contacted National Credit Adjustors again today to let them know the debt had been paid already through another company and gave them one more chance today to resolve this, Mrs XXXX was told written notification from their company was never received so I let her know I would be filing a complaint due to that happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted disputes your way and I didnt get a response within 30 days and you are required by law to do so. Please investigate my disputes, thank you for your time.
Product: Debt collection

On Friday XX/XX/2018 at XXXX hours a call was received at my employer from XXXX by an individual who refused to identify their name, business name, or nature of call. The individual asked to speak with a " manager or supervisor '' and explained the information related to the call could only be provided directly to a manager or supervisor. I then transferred the individual to the our chapter 's executive director who received my protected information from the individual. The caller provided my supervisor, my name, detailed information regarding the alleged debt, specific instructions for me to contact the company back within 2 hours to prevent escalation to the human resources department of my employer, and that documents would be served summonsing me to appear in court. Provided case number. Asked to return call to XXXX. 

On Monday XX/XX/2018 at XXXX hours a call was again received at my employer from an anonymous number by an individual who refused to identify their name, business name, or nature of call. The individual provided my colleague with my name, detailed information regarding the alleged debt, specific instructions for me to contact the company back within 2 hours to prevent escalation to the human resources department of my employer, and that documents would  be served summonsing me to appear in court. Provided case number. Asked to return call to XXXX. 

Outbound contact made to XXXX at XXXX. Receptionist answered and identified the business as " corporate offices ''. Inquiry as to the name of the business at XXXX and receptionist explained it was a switchboard and he did not know. Attempted transfer to XXXX but no one answered. No voicemail left. 

Received a call and voicemail from XXXX. Returned XXXX 's call who explained that my case was out for processing with a document service company, XXXX XXXX XXXX, and that he only worked for the XXXX XXXX XXXX XXXX. Inquiry was made as to the nature of the contacts made to my employer. XXXX explained he couldn't provide any information. I inquired about what documents were being processed and when I would receive them to which XXXX stated 3-4 weeks. He then proceeded to give me a balance of {$1700.00} owed but refused to provide the name of debtor. XXXX stated " Do you plan to resolve the balance today? '' and stated " We deposited {$1500.00} into your ( states name of bank ) on ( provided date of deposit ) so you can look in your account and find the name of the creditor ''. He perpetuated collection tactics and became abusive and aggressive when additional questions I asked to validate the debt. XXXX provided an address of XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX