23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with XXXX XXXX XXXX is showing up incorrectly with the bureau. It shows late payments however the information is inconsistently reporting across the three bureaus. Specifically the dates of XXXX, XXXX, XXXX, and XXXX of XXXX, and XXXX, XXXX, and XXXX of XXXX. I spoke with the company and all three bureaus as well most recently as of XX/XX/XXXX.
Product: Credit card

On XX/XX/year> my car was stolen with my vallet in it. I had a cash app card in it. I had {$1900.00} of unauthorized purchases on it. I filed a dispute. Instead of refunding me my money, they canceled my account saying that I violated terms of use. I asked what terms of use did I violate and they didn't answer. I am asking for my money to be refunded as it was guaranteed by the term of use. Thank you
Product: Credit card

XXXX/Elan Services/Bank corp or whatever name they are using never once notified me that my credit card in XXXX, XXXX and XXXX had charges from XXXX, Florida on it to see if I made them or someone else was using the card.
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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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: 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. 

1. Unverified Account DEPT OF EDUCATIONXXXX  Account Number : XXXX 2. Unverified Account DEPT OF EDUCATION/XXXX Account Number : XXXX 3. Unverified Account DEPT OF EDUCATION/XXXX XXXXccount Number : XXXX 4. Unverified Account XXXX XXXX XXXX  Account Number : XXXX 5. Unverified Account XXXX XXXX XXXXXXXX Account Number : 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 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

THIS COMPANY CALLS EVERY SINGLE DAY 2-3X/DAY, AT ALL HOURS OF THE DAY. 
I HAVE REQUESTED TO BE PUT ON THE DO NOT CALL LIST SEVERAL TIMES. 
I HAVE NOTIFIED THE COMPANY THAT THIS IS A FRAUDULENT DEBT. 
IF I BLOCK THE COMPANY THEY JUST CALL FROM ANOTHER PHONE NUMBER - ALWAYS FROM A NEW STATE/REGION. 
EVEN IF I ANSWER THE CALL AND COMMUNICATE WITH THEM THEY WILL STILL CONTINUE TO CALL. 
I HAVE ALSO SUBMITTED A SUPPORT TICKET ON THEIR WEBSITE AND REGISTERED MYSELF WITH THE NATIONAL DO NOT CALL REGISTRY AND REPORTED THEM TO THE FTC AND THE HARASSMENT HAS NOT STOPPED.
Product: Debt collection

Good Day I received a letter from the Sentry Credit about an alleged debt received on XX/XX/XXXX. I responded with an dispute onXXXX with a certified return request letter from the US Postal Service asking Sentry to validate the debt. this was my second time I requested Sentry to validate the debt. This company has failed to validate this account on multiple occasions. Sentry failed to provide legitimate proof to include a signed contract as requested on my original letter to Sentry Credit. 

I received a return letter from Sentry Credit on XX/XX/XXXX providing a statement that I have attached without an exact amount listed, I did not receive a copy of a contract with my signature that this debt is indeed mine. A bill is not proper validation of the debt and they are not the original owners of the debt. I have to protect my financial interest to assume that any debt, bills, or any other financial obligations indeed are indeed mine during this time of so much fraud and malice. I also have a right within the FDCPA to request a copy of a signed contract to assume responsibility of a debt ; as this ensures that this creditor has the right person and a method of validating the debt. Sentry credit also did not remove the alleged debt from my credit file during the 30 day verification process a violation of 15 USC XXXX  ( 1000.00 ). 

This company has knowingly violated 15 USC 1692g ( 1 ) the exact amount of debt owed. 

15 USC 1692i ( a ) signed contract.

15 USC 1692k ( a ) Creditor still reported on my credit file during debt validation process. 

Thank You XXXX XXXX XXXX
Product: Debt collection

Date opened XX/XX/XXXX XXXX Account charged off. {$2.00}, XXXX written off. {$2.00}, XXXX past due as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account should have been closed due to the company having the property. Going through my credit report I noticed that my balance is {$18000.00}, but my starting amount was {$3000.00}. The company has continued to draw interest which is against the law. Also XXXX  has that I have all late payments but XXXX  has that I have on time payments. Which means both credit companies are supposed to be accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1500.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXXXXXX Balance : {$84.00} ; XXXXL XXXX Balance : {$84.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$770.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

My name is XXXX XXXX. I reside in XXXX XXXX XXXX NY. I have been banking with TD bank for several years. On XX/XX/18 I lost my wallet containing my New York State Identification, Td bank debit card, Social Security card, and other pertinent information. Someone found my wallet and made several unauthorized transaction using my debit card. The fraudulent charges are as follows : {$2700.00}, {$150.00}, {$100.00}, and {$54.00}. all were made on XX/XX/18. I used my debit that morning to get a cup of coffee, and ran a few errands locally and was home by XXXX XXXX. When I started to get ready for my Friday evening events, I realized I lost my wallet. I immediately Notified TD customer service, They alerted me of all the unauthorized transactions, and although I notified them within 3-4 hours of the fraud, I was told the transactions were still pending and I would not be able to file a claim until the transactions posted to the account. The banking specialist said to call back in 4 days to make a claim. I did, I made a claim on XX/XX/18. When I called back a few days to find out the status of my claim, I was told my claim was denied because I made a claim the year before. I have made many phone calls, and written several letters pleading my case quoting their 0 % Liability Agreement, all have been unsuccessful. Because of my failure to resolve this problem with the bank I have been forced to file a civil suit in the XXXX county Small claims court. We have a court appearance scheduled for XX/XX/18 at XXXX XXXX. Index # XXXX. Im hoping you are able to help me resolve this issue amicably with the bank before my scheduled court date. My contact # is XXXX XXXX XXXX. Thank You.
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I saw accounts that shouldnt be there, and Im at a complete loss as to why. I routinely check my report, but this time, these discrepancies just appeared out of thin air. I even refreshed the browser multiple times, hoping it was just an error, but nothing changed. Im pleading for the documents I provided to be carefully reviewed so I can stop living in fear of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) - Account # : XXXX have 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 a account without my written instructions
Product: Checking or savings account

I was hired to XXXX a XXXX job and deposited the customer 's check into my account on XXXX XXXX, XXXX and as of XXXX XXXX, XXXX three holds have been placed on the check. The issuing bank stated that the check was paid on their end and there was no problem with the check. I have a {$35.00} dollar fee for an insufficient check in the amount of {$500.00} when funds are being held in the amount of {$6800.00} that was already released to XXXX XXXX XXXXXXXX from XXXX XXXX XXXX. I also had a {$100.00} hotel deposit from XXXX XXXX XXXX that was released back into my account that disappeared on last week. What happen to my {$100.00} dollars? I feel that Bank of America is in violation and need to be investigated!
Product: Credit reporting or other personal consumer reports

I

did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit Equifax permission to furnish this incorrect information on my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights. The inquiries were not authorized by me. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. Inquires Listed Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report
Product: Checking or savings account

I have tried to close my XXXX mothers account ( s ) for months, Bank of America has all the documents ( as they required ) but somehow can not close the account ( s ). After many, many, many calls they closed the XXXX account but somehow lost the other XXXX account. Despite many calls and many discussions they want to call the account closed, even after admitting that they lost an entire account worth XXXX.
Product: Checking or savings account

Hello good morning. I logged into my Regions bank account on XX/XX/year> and seen that there were charges made that were not authorized by me. I was super confused because they were only transactions for XXXX each From a company that said XXXX XXXX XXXX XXXX. I assumed that it was a mistake because I had Misplaced my card and I Havent been using it so there shouldnt be any charges on the card. So I called my regions bank. Customer service to report the charges as fraudulent. When I logged in again on XX/XX/year>, I see that my account was negative - {$190.00} and there was another pending transaction from the same XXXX  company whatever that is but this time it said XXXX XXXX for XXXX. But since that one was still pending, I had to wait until it had posted so that I can report that one as fraud as well. I have no idea what XXXX means or what the company is. There was also another charge for XXXX XXXX  from a company that said XXXX. For XXXX as well All of these are from the same company it looks like or platform. After I reported all of this, I was told to wait up to 10 business days for the claims to be resolved and for my account to be credited. But when I went back to the customer service to check on the status of my claims, I was told that one for XXXX XXXX was denied because they claimed that I had authorized the transaction. I explained to them why would I make a payment for XXXX XXXX  just for it to say {$200.00}? That literally doesnt make any sense. and it is obvious fraud. The transactions were pending at XXXX XXXX  and XXXX XXXX  and then when they posted it said {$200.00} added onto whatever sent was deducted when it was pending. I literally need my money back. I am unable to pay for food and bills and everything. And they are basically holding my money. My account is literally negative almost {$400.00}. Also, all of these are literally the same charges, but they are telling me that the XXXX claim for XXXX Is the only one that they deemed fraudulent. But how is that? The only one deemed fraudulent when all of these are literally the same company I literally reported that one when I reported the other ones. I feel like its complete XXXX  because they are willing to reimburse me XXXX XXXX but they dont want to reimburse me the {$400.00} that is also fraudulent? I need my money and I have proof! They are literally asking me to provide other documentation, but how the heck am I going to provide documentation For something that I was not aware of did not authorize that literally doesnt make any sense.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Resurgent Capital Services/ LVNV # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute of Debt under 15 U.S.C. 1692g Dear Resurgent Capital Services, I am writing in response to your [ letter/communication ] dated [ XX/XX/XXXX ], which states that I owe a debt in the amount of {$630.00}. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 U.S.C. 1692g, to dispute the validity of the debt and request verification. 

I do not believe that I owe this debt or the amount stated. As required under the FDCPA, please provide me with the following : The amount of the debt ; The name of the original creditor ; A detailed statement showing the breakdown of the debt, including any fees or interest charges that have been added ; A copy of the agreement or documentation that shows I am legally responsible for this debt. 
Please provide this verification within 30 days of your receipt of this letter. If you can not provide proper verification, I request that you cease further collection efforts regarding this matter. 

Until I receive proper verification of this debt, I am requesting that all collection activities be halted, and any negative information related to this debt be removed from my credit report. 

Thank you for your prompt attention to this matter. Please send all responses in writing to the address listed above. 

Sincerely, XXXX XXXX
Product: Debt collection

FRANKLIN COLLECTION SVCS INC To Whom It May Concern, The reason for my dispute is FRANKLIN COLLECTION SVCS INC was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also FRANKLIN COLLECTION SVCS INC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 FRANKLIN COLLECTION SVCS INC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation FRANKLIN COLLECTION SVCS INC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where FRANKLIN COLLECTION SVCS INC is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. If FRANKLIN COLLECTION SVCS INC even tried to contact me regarding this Fraudulent collection account I will sued for harassment. Please have them remove this collection account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a dispute in regards to inaccurate items that are on my credit report. It has been well over 30 days and haven't received any investigation results
Product: Debt collection

I filed for bankruptcy in XX/XX/XXXX because of legal debts my son incurred that I signed legal responsibility for. The attorney filed a summary judgment against my son for the debt. However I signed all contracts for responsibility of the payment. We received a judgment after notification of bankruptcy on XX/XX/XXXX. The attorneys fees were included in the bankruptcy filing. I contacted the collection agency and was told they are my sons bills. This is difficult to comprehend because the attorneys fees were again included in the bankruptcy. I need help with this collection agency trying to collect from XXXX parties when I signed all documents. I have a letter from the attorney dated XX/XX/XXXX that the bills are my responsibility.
Product: Debt collection

Representative told me my debt was {$260.00}, which is what I paid. After the fact, I learned that I paid a settlement amount. My debt was actually {$350.00}. I called and spoke to an office manager who engaged in abusive behavior. Used foul language and refuses to acknowledge any wrong doing on the company 's behalf.
Product: Credit card

I filed a dispute on XX/XX/23 for fraud charges total {$4500.00} and they have yet to update me or even refund the amount. Now Im responsible for this charge. And Im going to sue them if they dont refund because I didnt make those charges. I HAVENT EVEN RECEIVED THE CARD!
Product: Mortgage

I received a notice of escrow shortage in the amount of {$140.00} effective XXXX/XXXX/16. I asked if I could pay it online as I had just made my monthly mortgage payment today.. I was told I could. When I went to the website, I could not assign amount to escrow without making my XXXX payment again as it had not cleared. I told the CSR what was going on, and she advised me to wait until my XXXX payment clears and call back to verify the new shortage amount as it would be reduced to {$130.00} after my XXXX payment clears. 

I did as told, and I was told that The CSR was wrong and that I still needed to pay the original {$140.00} and that I could not pay just an escrow payment on. Meanwhile I am looking at the website and am able to submit just an online payment for escrow without making a mortgage payment. 

I also question the business ethics of allowing the standard 15 day grace period, but charging a service fee if you make a payment online after day XXXX of the grace period. 

Combine that with the fact that I have issues every single time I have to contact this company, and it always seems that I get different answers from everyone that I speak to, that I would love to request that they sell my loan.
Product: Credit reporting or other personal consumer reports

These inquires are fraudulent unauthorized inquires. I have requested them to be removed and sent letters. There has been no response. Please remove these immediately as it is hurting my credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

This is my 2 time making complaint about Well forgo I live XXXX XXXX XXXX XXXX XXXX La XXXX for 20 years in XXXX XXXX LA. XXXX I was in process of renovation of XXXX XXXX XXXX XXXX XXXX LA. XXXX I was in repayment also because I was paying rent to keep in mind this not easy because the house was hit by Hurricane Katrina and Rita but I was trying to make it liable for my family. They Wells Fargo sold the property. I have telling this story many of times with no help we My brother XXXX XXXX took very ill at that time he had ( XXXX XXXX ) power of attorney, Tring very hard to help me brother get better maintaining the house and living on a rental property while the house was in renovation was a very challenging time for me and our family. We put a lot of work into the property to lose it and thy know our situation. This took place XX/XX/2010 If you can help me please let me know. My address is XXXX XXXX XXXX XXXX La XXXX It very hard to pass by XXXX XXXX XXXX XXXX and the house is turning into a blotted house, I can send picture of the house before foreclosure. 

XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I recently sold XXXX gyms. I had a collection company working for me in all fou partners financial a division of XXXX XXXX  We supplied new bank accounts for collected debt to be deposited in. Now Im being told we never gave them that info I believe they have collected money and decided not to pay us
Product: Debt collection

XX/XX/19 XXXX  at XXXX XXXX contacted a distant ex relative and discussed my account including who the debt was with ( XXXX  ) and told her it was a collection account. He tried to get information about me. XXXX   and XXXX XXXX have been notified by XXXX XXXX XXXX  via mail that they are working with my creditors and to contact them. They have ignored this information and given out personal account information to a unauthorized third party. He gave a phone number to contact of # XXXX ext XXXX.