23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Creditors Bureau Associates keeps calling me over and over again from spoof numbers mimicking my current and former address area codes. Most of the time they either leave silent voice mails, filling up my inbox, or they just remain silent altogether when I answer. I told them to stop calling initially because the debt is related to an unexpected, emergency XXXX XXXX  ( that I didnt even consent to ) that was out of state and out of network- which is covered by the No Surprises Act, as I explained to the ambulance company initially, as well as to the debt collection agency. I used to work in collections, I recognize the validity of this line of work. What I am experiencing, however, is harassment.
Product: Credit reporting or other personal consumer reports

Pursuant 18 usc 8 code, I do not owe any debt to these companies an have written 5 letters to each credit agencies, they are violating my consumer rights to privacy, An I would like each account removed immediately please
Product: Credit reporting

I received a call from a third party collection agency with no verification at all. The representative for the company proceeded releasing my personal information which is a violation of the FDCP with no verification. I then filed a law suit, and the collection account remains on my credit report as a charge off with no balance. The company made the mistake of not following the rules. I am filing this complaint because it was a mistake with the call and therefore the account should be completely removed from credit report. Why is this still on my credit report when It has been charged off for several months. I am requesting the removal of the Kay Jewlers account off of my credit report as I did my part to get the account closed by means necessary. I do n't believe I should be held accountable for violations committed against me.
Product: Consumer Loan

I financed a vehicle thru Ally financial entering a retail installment contract on XXXX/XXXX/XXXX. The Consumer Financial Protection Bureau and U.S Department of Justice investigate Ally 's auto financing business. And Based on the investigation the government agencies claimed Allys pricing and automobile dealer compensation system resulted in minorities ( to whom I am an XXXX ) paying higher interest rates than XXXX customers. 

Ally did not admit to these allegations but agreed to enter a settlement with the government agencies in XXXX XXXX. 

In XXXX XXXX and XXXX XXXX Ally financial reported my account 30 days late and 60 days late to the XXXX major credit bureaus XXXX, XXXX, and XXXX. 

This not only hurt my credit but also financially as ally was allegedly charging me a higher interest than XXXX. So when I finally refinanced the above vehicle loan with my local credit union XXXX XXXX. I owed more on the vehicle than if Ally would have charged me at a lower interest.
Product: Credit reporting or other personal consumer reports

I am a known victim of identity theft. I have already reported this to the credit bureaus as well as to law enforcement and the creditors themselves. Id di the whole process correctly of getting my reports and sending them out with letters and my IDs as well. It has been, any months and the credit bureaus have not responded to me at all. I really, really need help with this!
Product: Vehicle loan or lease

XX/XX/2023 I processed a transaction and had a contract that was established using my SSN as credit approval for the contract that was together. I asked for my right to recession paperwork and was told that they did not have anymore.I was told I had to put a downpayment which violates 15 USC1662 when a down payment is not needed when you use my SSN 15 USC 1602 ( l ) which is a credit card. I was also told that I had no choice but to get insurance 15 USC 1605 ( b XXXX  which establishes there is insurance on the car. XX/XX/2023 I established my security with a XXXX File Number : XXXX XX/XX/2023 I sent off the paperwork to revoke XXXX, Right to Rescind, and affidavit Sent off the same information in a pack to the registered agent and in this pack was an affidavit, Right to rescind, Revoking a power of attorney, and a bill of exchange along with an explanatory statement and a XXXX statement
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my last Complaint to inform the XXXX XXXX XXXX that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the XXXX XXXX XXXX are required to remove any ITEMS which were opened without my knowledge, consent or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$85.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has bought this account without consent from the consumer, it has been deleted from other credit accounts and i have disputed this on several ocassions, they keep updating the account as if it new to be able to hold on to the debt, this has been written off and now bought to collect from a third party which is illegal. the date on this collection is now XXXX XXXX :15 USC 1681 Section 602 State I have the right to privacy 15 USC 1681 Section 604 A Section 2 it states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B A creditor may not treat a payment on a credit card account an open end consumer credit plan as late for any purpose
Product: Checking or savings account

I have an account with Ally, that was drained by an identity thief. Based on the number of complaints I have found online, I see this is nothing new. 

I did know this thief, her name was XXXX XXXX, which ended up being a false name. I worked with her and had at one time authorized a charge for up to {$100.00}. She had all of my information, as well as my husbands. We do not understand how she accomplished this. She successfully stole {$5100.00} out of her account, and laundered it on XXXX. 

Because I had an pre-existing relationship with XXXX, as well as a working relationship with her, Ally denied my dispute claims. I have official police reports, a press release from the DOJ, and even a Special Agent from the FBI to verify her now being in custody. The total amount stolen was over {$13000.00} USD combined with other accounts she had illegally accessed. She used my identification provided at the time I applied for contract work with her business. Nothing else was authorized, and we have been devastated by this. 

Ally made this decision within 6 days, refusing an appeal, even with my offer of a sworn-affidavit to the fact that I did not authorize more than {$100.00} on up to 2 charges, combined. 

Allys position is that if we ever conducted a legal transition, even if it was only once - that preexisting relationship means denial. Period.

This is theft. It is a felony theft, and I filed charges. I sent proof this woman was in Federal custody, and sent the full sheriffs de
partment report, as well as a full report with evidence to the FBI via IC3. 

I have spoken with an attorney who suggested we sue for {$50000.00} or more, in light of further duress and damages. Ill have to save up to afford his retainer, and Im crushed by this. This was a crime, I am a victim of this crime. They refused to advocate on my behalf despite all of this evidence of multiple crimes.

Im angry, and it appears that Ally is saying if any of us have a relationship with a company that has regular deductions, it will NOT protect us from exorbitant withdrawals to that same company that deviate from our spending patterns ; because of that previous relationship and our prior approval for normal expenses. Whether {$6.00}, or close to {$6000.00} - it's all the same to them. 

If we are victims of theft, or identity theft, we are screwed. DENIED - and no appeal, no provisional credit, no call to the Sheriffs department, or the FBI agent listed, no real investigation. Just - Too bad, we do not care, and we will not be your Ally despite this being an infinitesimal amount to our XXXX dollar company. 

This person stole our rent, they stole our ability to eat, they stole our identities and Ally is in this case my adversary. We are impoverished by this crime.
Product: Debt collection

I am formally requesting debt validation under 12 CFR 1006.34 ( b ) ( 5 ). Despite this request, Tek-Collect , Inc. has proceeded to place this collection on my credit report in the amount of XXXX XXXX without providing me with the opportunity to dispute the account as stipulated by 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ).

Furthermore, I am requesting the purchase agreement between Tek-Collect , Inc. and the original creditor to verify the legitimacy of their claim. It is essential for me to review this agreement to understand the basis upon which Tek-Collect , Inc. is attempting to collect this debt. 
In addition to the purchase agreement, I am also requesting proof that Tek-Collect , Inc. is licensed and bonded. It is crucial to ensure that they are operating within the bounds of the law and possess the necessary credentials to engage in debt collection activities.

Moreover, I assert that Tek-Collect , Inc. is violating my consumer rights by utilizing false and misleading information in their collection efforts. The collection agency lacks authority to furnish any account to a consumer reporting agency without providing the necessary disclosures mandated by law. This action is in direct violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S-2 ( 7 ) ( A ).
Product: Credit reporting or other personal consumer reports

This is my several request that I am a victim of identity theft and I write to dispute certain item 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$460.00} XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$770.00} XXXX XXXX XXXX XXXX Balance : {$770.00}
Product: Money transfer, virtual currency, or money service

I was a victim of fraud under the company MoneyGram. My data to access the website was hacked, and they made 3 transactions of {$800.00} each in less than 3 minutes to XXXX, which I do not recognize. I called to file a claim, but unfortunately, they responded that they couldn't do anything since the money had already been collected. Where is the security of my information? Where is the company 's responsibility towards citizens who are vulnerable, and why didnt the security department issue any alerts for consecutive transactions in less than three minutes to a country where I have never sent money before? Additionally, they said I should have called, but the first thing they mentioned was that they had a high volume of calls, and it took more than 15 minutes to answer my call and transfer it from one agent to another. Now it's my fault for trusting a multinational company that I frequently use to send money to my family in XXXX so they can survive, and now I'm left with no money in my account to survive here throughout the month. I need your help to recover my money. Thank you very much. ''
Product: Checking or savings account

our Citibank account XXXX was hijacked by Citibank from XXXX XXXX XX/XX/XXXX until XX/XX/XXXX. We had no online banking access since then. This is one of our 4 accounts locked due to fraud activities by the Citibank fraud prevention center at XXXX XXXX XXXXXX/XX/XXXX. 

Between XX/XX/XXXX to XX/XX/XXXX this15 days, multiple transactions, unauthorized by us, done by someone at Citibank resulted a total of {>= $1,000,000} loss on this account with negative {$710000.00} balance at end of XXXX. 

Two withdrawals on XX/XX/XXXX total of {$930000.00} and two withdrawals on XX/XX/XXXX total of {$520000.00} showing withdrawal/Adj. on XX/XX/XXXX, changed to other withdrawal/Adj. next day, this is obviously someone at Citibank has the power to change things. 

all debit and credit transfers between XX/XX/XXXX to XX/XX/XXXX were done by the Citibank instead of XXXX XXXX XXXX. This yields a negative - {$710000.00} balance on this account at the end of XXXX. 

We demand to see all the debit advice and withdrawal slips of all these transactions and an explanation of why Citibank cleared such withdrawals after the account was locked since XXXX XXXX XX/XX/XXXX by Citibank, and yet received no detail information why this happened after accounts locked? and why Citibank cleared the ACH even when our balance shown negative? despite asking for them many times in vain. 

After 35 years with Citibank, their customer protection failed us badly.
Product: Money transfer, virtual currency, or money service

PayPal permanently limited my account with the following message : " We're permanently limiting your account. 
You can no longer use PayPal as we've decided to permanently limit your account after a review. '' I called in on XX/XX/XXXX to ask why this happened. They would not tell me. I requested for my account to be deleted. They refused saying that my account has been limited. After complaints, they said that they would escalate and I would hear back in XXXX business days. I called back on XX/XX/XXXX and received the same responses. I've called back frequently since then, as recently as today. Calls end in the support agents hanging up after saying " there is no information I can provide to you. ''
Product: Credit card

I received a credit card in the mail that I did not apply for. When I called the company they cancelled it and provided me with information for the credit reporting bureaus. I asked if they could tell me how it was applied for and they advised that they didn't have that information. I want to be able to better protect myself but wanted the information to help with that.
Product: Mortgage

I believe Bank of America ( BoA ) is mishandling my escrow account and the monies I have deposited therein for payment of my homeowners insurance and property taxes. They are notifying me I have no homeowner 's liability insurance. I do have such insurance ; the premium is paid by BoA from my funds held in a BoA mortgage escrow account. 

On XX/XX/XXXX I received urgent phone calls from an agent for BoA stating that I do not have homeowner 's liability insurance. On XX/XX/XXXX I called BoA and spoke with a BoA agent who told me the certificate of coverage issued to me by my insurance carrier as proof of coverage would not suffice as proof of coverage, and that BoA required a copy of the policy itself. I told him the policy itself does not show a coverage period or any premium information, and that in my years of defending residential foreclosures in state court the certificate of coverage or binder was the only documentation BoA would accept as proof of coverage. I gave him my insurance agent 's contact information. On XX/XX/XXXX I faxed him an 8-page letter with attachments including my 'continuation notice ' from my insurance company. ( Attached here. ) I filed a complaint with the NYS Department of Financial Services ( DFS ). BoA has called and written to notify me they received the DFS complaint and are investigating. I have since received a notice, not a bill, from my insurance company stating the premium is due on XX/XX/XXXX. 

I changed insurance carriers in XXXX. BoA paid my old policy premium and a few weeks later paid my new policy premium. Shortly thereafter they notified me I had no insurance and threatened to purchase force placed insurance. I filed DFS and CFPB complaints. BoA notified me they would not bill me for force placed insurance. I know they paid my new, current, insurance carrier, because documentation I received from my carrier showed payment in full by mortgagee BoA. I was unable to determine if BoA handled my escrow funds correctly because they refused to provide plain-English documentation of payment of either premium. 

BoA needs to pay my homeowner 's insurance policy premium in full once a year and stop XXXX around with my escrow account.
Product: Credit reporting, credit repair services, or other personal consumer reports

hen I investigated my credit report, I realized that some of the information was erroneous. The Experian and XXXX credit bureaus are required to authenticate these accounts under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), ) as required under Section XXXX ( a ) ( XXXX ) ( A ) Disclosures to consumers [ XXXX XXXX XXXXXXXX ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & XXXX XXXX ( a ) ( XXXX ) ( XXXX ) Procedure in case of disputed accuracy [ XXXX XXXX. XXXX ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor, please investigate the unverifiable item/accounts/information below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$2600.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

This complaint is in regard to PayPal and my financial institution, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. Neither has made themselves available to help me. 
On XX/XX/2020, I authorized a transfer of {$200.00} from my PayPay account to a friend 's e-mail account. No purchases were involved. The money was a gift to a friend in financial need. Unknown to me at the time, she had closed her account months earlier. Furthermore, she never had a PayPal account.

PayPal had the money sent from my checking account at the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. PayPal documented the payment as completed, however, to this day, the money has not been claimed by my friend nor has it been returned to my account.

I have not been able to speak to anyone at PayPal. I have submitted an inquiry and other correspondence via their Message and Help Center
s and have received generic, automated responses. I have spoken with two XXXX XXXX XXXX  managers who said I must pursue PayPal. They  refuse to get involved despite having made the transfer from my account. 

This is crazy. There is {$200.00} floating somewhere after almost 60 days. Would you please advise me as to any recourse I might have. Shouldn't someone at my bank at least be curious enough to want to help figure this out?
Product: Debt collection

XXXX certified letters within a 60 day period to Franklin Collection Service , Inc. has failed to provide the following requested information to validate alleged debts:XXXX Signed credit applications between myself and the original creditorXXXX. Copies of all signed vouchers from the date accounts opened until defaultXXXX. Copies of all statements from the date accounts opened until defaultXXXX. Proof of the statue of limitationsXXXX. Proof of agreements that they were hired by the original creditor ( creditor as defined by the FDCPA ) orXXXX. A copy of the contracts Franklin Collection Service, Inc.purchased the alleged debtsXXXX. If the alleged debts were purchased, provide a copy of agreements between Franklin Collection Service , Inc. and myself, signed by me, stating that I have a contractual responsibility to Franklin Collection Service , Inc. for the alleged debtsXXXX.Provide proof that Franklin Collection Service , Inc. is bonded/Licensed for debt collecting in the state of AlabamaBy failing to provided all of the information that was requested on my behalf, the disputed claims are now considered invalid and all collection efforts must be stopped and the accounts must be deleted from Franklin Collection Service , Inc. Franklin Collection Service , Inc. can not validate their claims, therefore they can not, by law, collect on it, or sell it to another collection agency. Also, reporting debts to the credit reporting agencies that can not be validated is a violation of the FCRA XXXX Fair Credit Reporting Act XXXX, and carries a {$2500.00} fine. Please advise Franklin Collection Service, Inc.of their infractions and that the alleged debts must be removed from their account immediately, and they also must be removed from all credit reporting agencies.Thank you.
Product: Money transfer, virtual currency, or money service

There was an account made in my name from moneygram. I did not make this account. I did not authorize any funds to be transfered to XXXX. It was dated for XX/XX/2020. The company did not follow protocol on follwing up with ID information for authentication. They allowed funds to be transfered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am going over my credit report and I see that my information is either inaccurate or old dated. 
My name is XXXX XXXX XXXX I am XXXX my company is XXXX XXXX XXXX XXXX XXXX XXXX. 
My DOB XXXX SS XXXX MY only address is XXXX XXXX XXXX XXXX XXXX, OH XXXX PHONE NUMBER XXXX THE FOLLOW ADDRESSES ARE NOT MINE PLEASE DELETE : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I HAVE A HARD INQUIRES ON MY CREDIT REPORT THAT ARE UNAUTHORIZED I NEVER DONE ANY BUSINEES WITH XXXX XXXX, XXXX, XXXX XXXX. PLEASE REMOVE THEM THEY ARE NOT AUTHORIZED. I WOULD LIKE TO BE OPTED OUT OF ALL PROMOTIONAL CREDIT CARD ADD AND INSURANCE PROMOS. 
THERE IS A ACCOUNT SHOWING ON MY CREDIT PROFESSIONAL BUS BUR # XXXX****. THIS ACCOUNT WAS NEVER IN COLLECTION AND HAS ALWAYS BEEN PAID IN FULL, NOT SURE HOW OR WHY IT IS ON MY CREDIT REPORT PLEASE DELETE THIS ERROR.
Product: Credit reporting or other personal consumer reports

I have attempted to rectify this matter amicably more than once with Experian They continue to blatantly break the law. Please review my attachment as i intend to arbitrate if this can not be solved ASAP.
Product: Credit reporting or other personal consumer reports

There is an Inquiry from XX/XX/XXXX that I do not recall. 
15 U.S. Code 1681b - Permissible purposes of consumer reports Privacy Act of 1974
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX account is not mine this account is fraudulent.