23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Vance and Huffman collection agency refused to send me proof of a bill. They told me that I owned. They told me they contacted me through email which they did not because I never received it and I've checked my junk mail folder. They told me they've called me but they've never left me a message. They speak to you like you're stupid and they're rude. And when you tell them that the that does not belong to you. They don't believe you and they think you're lying to them. I've had enough
Product: Debt collection

Company is using repeated robocalls. I have had a total of 11 calls in total today starting from XXXX on a Sunday. This is beyond harassment.
Product: Credit card

After accepting a pre-screen offer for credit with an Avant credit card, I checked them out via XXXX and read many complaints and accusations that Avant was processing payments from customers bank accounts without prior authorisation. This was very concerning to me and I made a point NOT to set up automatic payments. All my accts with credit companies are on auto payment except for Avant for this reason. 5 months into my credit history with Avant and I am in good standing with no missed or late payments except for an unusual case where a payment was not processed correctly which lead to me being charged a late fee. I disputed this and contacted Avant via email several times but I was never contacted and my emails went unanswered. Then after making my monthly payment I noticed a second payment was processed in the same month. Then the following month the same thing happened- I made my payment but a second payment was taken out of my account. The next month it happened again! This has happened more than three times. I checked my Avant acct online to confirm automatic payments were not enabled and that there were no scheduled payments. I confirmed this. Today another " unauthorized payment '' was made on my Avant credit account. I called Avant customer service and was met with what I expected - denial of unauthorized payments by the XXXX. I was told that all of the months with double payments were made online via the website. I was told that I must have made the payments and forgot! I absolutely did not make two payments per month. I did not give authorisation for the second payments to be made. I can not understand why Avant would do this but have read multiple instances of the exact same complaint via XXXX search. At this point I am at a loss as to what I should do or even accept as a solution. I am concerned as i have already been the victim of Avants business practices resulting in a late fee that I am sure was dishonest. I do not know to what end Avant has to gain by taking double payments but I am not a credit card company making money off fees.
Product: Debt collection

I was in a car accident XX/XX/2016 and I have been fighting the other person 's insurance for over 3 years. I finally got everything settled with my lawyer 's help.My lawyer settled with the hospital for {$500.00} and the check was cashed. A binding agreement was also attached stating that I should no longer be contacted for the balance once the check was cashed and also per NC Debt Collections laws state that I can not be billed after 3 years because of statue of limitations. The amount of {$1700.00} has been placed on my credit and I want to get it removed.
Product: Debt collection

At the time of identity XXXX gain access I believe all my personal information including my Social Security number was used to open up account without my permission and my authorization I hope by submitting this it will put a stop to this issue from ever occurring
Product: Debt collection

My entire issue is with PayPal. 

The issue stems from XXXX PayPal accounts, based on email addresses : 1. XXXX ( my account, with no periods, the legitimate one I created in 2008 ). 
2. XXXX ( with a period between XXXX and XXXX, which is fraudulent that I did not create ; hereinafter, referred to " Account # XXXX ). 

Ive engaged on numerous occasions via email with PayPal, in which I've asserted that Account # XXXX was created by someone other than me. Furthermore, I've also made clear to PayPal that between the legitimate account, and Account # XXXX, there are different passwords, different sets and types of transactions, etc. You can review our communications in the XXXX PDF attachments I've included in this complaint. 

Part of the problem stems from the policy by XXXX that sees both of these addresses as the same email account- effectively ignoring the period. So while there are XXXX different PayPal accounts, all of the mail for both PayPal accounts goes to my one ( and legitimate ) XXXX address. 

The main issue, and reason for this complaint, is that PayPal sent their collection agency the email linked to Account # XXXX ; nevertheless, when the collection agency tries to contact the person that created Account # XXXX, the emails go to me, not the person that created the PayPal account. 

I have requested PayPal, as you may see in the attachments to this complaint, to provide the collection agency another method of contact for the person that created Account # XXXX, to no avail. The problem persists to this day, and I am legitimately concerned for this problem, as it could result in a debt collection process against me ( based on identity fraud ), and affect my credit score.
Product: Debt collection

OPTIMUM OUTCOMES, INC/XXXX XXXX XXXX   ACCOUNT # : XXXX ; XXXX ; : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Unfair and Deceptive Business Practices : Maryland law Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) Remove these four credits information from my report. I contacted XXXX XXXX XXXX on Tel : ( XXXX ) XXXX. I spoke to Ms. XXXX XXXX. She wants me to contact Optimum Outcomes to produce itemized statements and signatures that shows why they put my name with XXXX, XXXX, and XXXX. XXXX XXXX XXXX XXXX is a billing company that is located in XXXX XXXX XXXX XXXX XXXX, IL XXXX. It is not a medical /Health as claimed by Optimum Outcomes. and no office in XXXX XXXX.

I contacted the Optimum Outcome but refused to talk to me. I want to know where they got my name, and I need documentation where I signed for medical treatments. I want to know if XXXX XXXX XXXX is a medical center as claimed by them or billing company and if billing company, I need documentations for what they are billing for and for which doctor.

Remove all hard inquiries on my credit report if no signature exemplar is provided.
Product: Checking or savings account

I am submitting a formal complaint against Fifth Third Bank in regard to what I believe to be deceptive practices surrounding the promotion tied to my XXXX  XXXX  account. 
I opened my account on XX/XX/XXXX, during the period in which Fifth Third Bank was running a promotion offering a {$400.00} bonus for completing direct deposits totaling {$500.00} or more within 90 days of account opening. I met all the required conditions to qualify for this bonus by making the required deposits. 

Despite fulfilling the promotional criteria, I have been informed that the bonus will not be credited to my account. 
I am extremely dissatisfied with how my situation has been handled, as I have made every effort to comply with the terms of the promotion. I feel that Fifth Third Banks refusal to honor this promotion constitutes a deceptive practice, and I have exhausted all other avenues of resolution. As such, I am left with no choice but to file this formal complaint. 

The only acceptable resolution to this matter is that the {$400.00} bonus be credited to my account, as per the terms of the promotion at the time I opened the account. 

I request that this matter be investigated immediately and that I be provided with a prompt response outlining the steps the bank will take to resolve this issue. 
Thank you for your attention to this complaint. I look forward to your swift action.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have disputed a item on my credit report that is not my account also during my disputed all three credit bureau has violated many laws of the Fair Credit Reporting Act i also have sent a disputed letter to the creditor and i receive a letter stating that they no longer has ownership to this account but the credit bureau is reporting under the creditor name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Company is lying about the timeline below. Would like to enter in arbitration. 

This same company recently aided narcotics trafficking in the XXXX by XXXX XXXX XXXX. 

XXXX XXXX  - someone stole my wallet with all of my cards and ID. 

XXXX XXXXXX/XX/XXXX- went to TD Branch in XXXX XXXX and reported card as lost/stolen. I was issued a new card. I was by TD bank told to not report any suspicious transactions until " posted '' to the account. I reported a fraudulent transaction dated XX/XX/XXXX that did not post until XX/XX/XXXX as a dispute claim. 

I reported this promptly and had alerted TD Bank to this on XX/XX/XXXX. Merchant XXXX XXXX XXXX for {$190.00} TD Bank sent me a letter dated XX/XX/XXXX saying they will not credit my account. 

Absolutely outrageous. I followed all the steps and reported this immediately.
Product: Credit reporting or other personal consumer reports

My Consumer rights have been violated under the FCRA and is in violation of requisite METRO2 Compliant reporting standards as well as 15 USC 1681EB. On XX/XX/2024, I became aware of inaccurate reporting of my personal information for which I sent a certified letter requesting an update of that information. I received a copy of my update credit report where I noticed a plethora of errors as all XXXX Credit reporting Agencies, which includes Equifax, were not accurately reporting accounts and reported them differently. I requested deletion of accounts that were not accurately reported. Even after, Equifax invesitigated, verified and validated accounts, information is still inaccurately reported by all XXXX CRAs. In addition to the Violation above pursuant 15 USC 1681ia ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. Information on the consumer report must maintain Maximum Possible Accuracy.Accuracy means- correct in all details ; exact15 USC 1681e ( b ) ( b ) Accuracy of report 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.The details of the accounts are inaccurate they are not exact in details and amounts.
Product: Consumer Loan

After numerous reports to the CFPB that I have made regarding this same issue, Ally Financial continues to harass members of my family via telephone calls. They have never been given any authorization to contact my family members ( this time it is my sister ) what so ever. I do not understand why they will continuously do this despite being told not to as well as being reported to the CFPB numerous times.
Product: Debt collection

New relevant information. Not a third party unauthorized. Not a duplicate. DISCOVER : THE ACCOUNT HAS BEEN UNDER DISPUTE SINCE I HAVE BEEN AWARE OF IT. IF AN ACCOUNT IS BEING DISPUTED YOU ARE REQUIRED TO COMMENT ON THE FILE THAT THE ACCOUNT IS UNDER DISPUTE. IT DOESN'T MATTER IF I DISPUTE DIRECTLY WITH YOU OR WITH THE CRA, YOU ARE REQUIRED COMMENT THAT IT IS UNDER DISPUTE. NOT COMMENTING OR REMOVING A COMMENT WHILE AN ACCOUNT IS STILL DISPUTED IS A VIOLATION IF MY RIGHTS. 

I WAS NOTIFIED ON XXXX THAT YOU REMOVED THE DISPUTED COMMENT FROM XXXX. I WAS NOTIFIED BY YOU THAT YOU WERE WORKING ON MY DISPUTE ON XXXX. YOU VIOLATED MY RIGHTS BY REMOVING THE COMMENT. NOT ONLY IS THE ACCOUNT THE RESULT OF IDENTIFY THEFT, BUT BY REMOVING THE COMMENT YOU FURNISHED INACCURATE INFORMATION TO THE CRA, THIS IS A VIOLATION OF THE FCRA, AND FTC GUIDELINES. YOU HAVE CONTINUALLY SHOWN YOUR INABILITY TO FOLLOW GUIDELINES SET BY THE FTC AND THE FCRA, BY CONTINUING TO REPORT THIS FRAUDULENT ITEM AFTER BEING NOTIFIED THAT IT IS THE RESULT OF IDENTITY THEFT, BY CONTINUING TO REPORT AN ITEM AFTER BEING PROVIDED AN FTC ID THEFT REPORT, YOU DID NOT GET A DOCUMENT TO VERIFY WHO WAS OPENING THE ACCOUNT BEFORE EXTENDING CREDIT, AND YOU HAVE FAILED TO PROVIDE ME SAID DOCUMENT UPON REQUEST, DESPITE ME REQUESTING IT 4 SEPARATE TIMES, AND YOU CONTINUE TO VERIFY THE DEBT AS ACCURATE WHEN IT NEVER SHOULD HAVE BEEN OPENED IN THE FIRST PLACE AS IT WAS THE RESULT OF FRAUD. Attached you will find verification of claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information has been compromised, I have did a FTC report as well as reported it to my local police. I have filed multiple disputes with all 3 credit reporting agencies with no relief. I have requested copies of the validation documents used to validate these accounts with no response. I am seeking some relief and accountability in this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already submitted a report via the CFPB and Equifax responded that they " did an investigation and will mail the results. '' However, none of my information was corrected, I never received a follow up, and they actually mailed information to the wrong address under my previous name. The prior complaint is as follows : I've been trying to contact equifax for over a year now to correct my credit information. I had a legal name change in XX/XX/2020 and I contacted them when they were causing issues with incorrect information beginning XX/XX/2020. They required I send in documents which I sent my ID, social security card, proof of address, and legal name change court document. I sent 3 copies of these documents 2 times and they claimed they never recieved them in the mail. I called and they claimed I could fax the information so I faxed it 4 times and they claimed they only recieved one copy. Finally they said I had to verify my account information and they unlocked my account which they never told me was locked, I was just unable to login. I finally am able to access my account and they aren't reporting my accurate legal name nor my credit accounts correctly. I've called over 20 times and most of the time I get a very rude customer support representative, who doesn't speak English well, and will start using my old incorrect name when they learn I've had a legal name change.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries from American Express and XXXX XXXX and XXXX XXXX on my XXXX Credit report which do not belong to me or i did not apply for as a result I have placed a 90 fraud alert on my XXXX credit report XX/XX/2021 with American Express is not mine or I did not apply for and requesting it either be removed or provide proof I applied for this card. Included with the proof I am requesting by which method was the application i.e. online, via phone or in person, if online please provide the ip address. 

XX/XX/2021 with XXXX XXXX XXXX is not mine or I did not apply for and requesting it either be removed or provide proof I applied for this card. Included with the proof I am requesting by which method was the application i.e. online, via phone or in person, if online please provide the ip address. 
**There was a line of credit opened which I had immediately closed. 

XX/XX/2021 A XXXX  XXXX inquiry is not mine or I did not apply for and requesting it either be removed or provide proof I applied for this card. Included with the proof I am requesting by which method was the application i.e. online, via phone or in person, if
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of urgent concern regarding XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX that have appeared on my credit report. To my dismay, I have no prior knowledge of these accounts until they were posted on my credit report. This has come as a complete surprise to me and has caused significant distress. As someone who has been diligently working to build and maintain a positive credit history, the inclusion of these accounts without proper investigation and evidence of their validity is deeply troubling. Not only does it damage my current credit standing, but it also undermines my efforts to secure financial stability. I demand an explanation as to why these accounts are appearing on my credit report, as well as proof that they rightfully belong to me. Without this information, I am left in a precarious position with potential repercussions for my financial future.
Product: Mortgage

XXXX transferred my foreclosure account to BSI and XXXX are reporting on my credit reports. BSI is reporting the BK chXXXX as a foreclosure. They refuse to make corrections. The Bk is 4 years old.
Product: Debt collection

I moved out of my apartment in XX/XX/2018 and they told me if I pay them rent for the month they will be good. I left. Never got a notice or anything they promise me my deposit and they took all XXXX XXXX the XXXX $ for rent and then they hit my credit without NO KNOWLEDGE OF ANYTHING. I called numerous times been hung up on left on hold and told horrible things. This is not fair and is harassment. I do not owe these peoples money
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  updated my credit report with inaccurate or incorrect information. I requested an investigation on an account with XXXX XXXX XXXX. The report came back as verified. When actually XXXX XXXX XXXX has not provided proof of original contract signed by me to keep collecting on account that is not mine. Also, they are reporting inacurate information on three accounts with XXXX XXXX  XXXX XXXX XXXX that shows incorrect balances and last payment dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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 {$1400.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX MD XXXXXXXX XXXX XXXX {$960.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$610.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX  {$20000.00} XXXX  XXXX {$4900.00} XXXX XXXX XXXX ( finance ) XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX bank ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have 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. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of alleged debt, nor therefore any such debt, in fact exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Chapter XXXX BK has been discharged. I also have multiple Hard inquiries I have requested to be removed multiple times that are still there. Transunion makes it very hard to dispute them. XXXX has BK as DISCHARGED but has XXXX Hard inquires, Trans has XXXX inquires, XXXX has XXXX. That is a big difference. Also XXXX reports as 8 late pays when that is impossible during CHapter XXXX. XXXX XXXX is showing 1 30 day late on all and that should be removed as well. The balance is also XXXX not XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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. 



The following items need to be removed and blocked as they are fraudulent. 



XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

I have previously contacted the credit bureaus regarding the discrepancies and requested the immediate removal of the inaccurate items from my credit reports. However, despite my efforts and the clear inaccuracies in the reporting, the inaccurate information has not been updated or removed from my credit reports.

I am concerned about the impact of these inaccuracies on my credit profile and request that the Consumer Finance Protection Bureau intervene to ensure that the credit bureaus take appropriate action to rectify the inaccuracies and update my credit reports accordingly. 

The discrepancies between the reports are as follows : XXXX  Last Activity Date : XXXX reports the last activity date as XX/XX/XXXX. 
XXXX reports it as XX/XX/XXXX. 
TransUnion reports it as XX/XX/XXXX. 
Past Due Status : XXXX and XXXX report a past due amount of {$6900.00}. 
TransUnion reports no past due amounts.