23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter to pay a debt presumably owed to XXXX County Indiana XXXX XXXX. 
Letter was sent by a debt collector in Kentucky. but this company letter from Kentucky had the signature of XXXX XXXX, XXXX of XXXX County Jail. This collection letter made a demand for {$110.00} without explanation of the reason for this debt, and also said the collection letter was to be taken to my bank so a DIRECT DEPOSIT could be make into the collection company 's account at XXXX XXXX XXXX. I was at XXXX County Jail, but there were no such charges or fees owed. 
I wrote to this company the following on XXXX XXXX, XXXX XXXX XXXX Co. Jail c/o Advent Financial Systems PO BOX XXXX XXXX, KY XXXX XXXX : Collection Letter to XXXX XXXX. Your CR number XXXX, alleging A debt of {$110.00} To Whom It may Concern : Your letter received XXXX XXXX, XXXX, is an attempt to collect a debt. As such, I submit the following information, and a request : 1. I do not believe the amount cited is owed. 
2. 2.Please provide any and all information and documentation connected with this account of {$110.00}. This should include an itemized accounting of what comprises this total of {$110.00}. 
3. 3. In addition, if your firm has authorization to collect this, provide a copy of documentation showing the alleged contract with the XXXX County Jail and written documentation in support of your authorization. 

In addition, in a phone call to you it was stated that the fee is for fingerprinting, booking, and housing. By what authority is this amount charged? If there is a statutory authority, provide it, and if not, what other authority for collection of this amount is there? Please provide copies of theses along with the above-requested information. 

All responses are requested in writing to be sent to the address in the letterhead. 

Very truly yours, XXXX XXXX ************************************************************* Without replying to this letter, another letter was received on XXXX XXXX, XXXX, again from Advent in Kentucky, but with a signature of XXXX XXXX, XXXX, Sherifff of XXXX County, Indiana, saying " 2ND AND FINAL NOTICE '' threatening action, and of course, with added signature of Sheriff of XXXX County Indiana, made it appear that there would be " consequences '' if debt was not paid
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reach out to Experian many times showing my driver license and showing proof of no XXXX XXXX XXXX XXXX XXXX they refuse to delete it off of my credit report. My I my address is XXXX XXXX XXXX XXXX XXXX please have them remove fraudulent XXXX XXXX it does not belong to me. They have hurt my scores because of this. I have been trying to get it remove for 4 months. 


Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

My PayPal account has been suddenly permanently limited without any valid reason and the funds inmy account have been put on hold for 180 days. 
I tried to get help from PayPal 's customer serviceteam but they said that they won't be able to help me regarding account restoration.I have been usingthe account for some time now and always work in good faith and follow all the policies and useragreements as stated and agreed upon while I signed up for the account. 

I have taken every step tominimize the risks associated with my account however PayPal still permanently limited my accountstating there's potential risk associated with it. 
I would request any information as to why PayPal feltthey had to limit the account. There is no reason to permanently close my account as I believe I haven'tdone anything wrong that led to its closure.Therefore, I would request PayPal XXXX please re-investigatethe issue and help to resolve it. I am willing to provide any information needed for the investigationand to help restore the account back. I am willing to work with PayPal collaboratively to minimize theperceived risk. I would request you to please help me to get my account reinstated. 

Reference number : XXXX PAYPAL : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX I contacted XXXX XXXX  XXXX to add my daughter has an authorized user. They ended up conducting a hard inquiry on my report without my knowledge. The inquiry was supposed to be for my daughter and it should have never impacted me. If I was told that they would have done a hard inquiry, I would have stopped the transactions. I contacted XXXX XXXX XXXXXXXX, I was told that they are unable to do anything on their side. First, I got frustated because I contacted them at lease on three ocasions. the last time I did, they told me they would add her as a co-borrower ; which is not what I wanted but I went along following their instructions. It turned out that they pulled my credit information and I would not have allowed that because I was trying to fix my credit. I was already a customer in good standing. I don't see why they had to do a hard inquiry. 

XXXX : I wanted to switch my service from XXXX to XXXX. I called XXXX and ask for advice on the proper way to cancel and switch services. I paid all money due. the representative over the phone told me I was all set and to keep using my service up until a specific date. I followed their instructions. Months later, XXXX, claims that I owe them last month service fee but I told them, I called to cancel service your rep advised me to wait. I shouldn't have to pay any more money. I wanted them to investigate the matter. Instead they reported me late with a balance {$140.00} in collection. 
I want this fee waived, and the record to be deleted from my credit report. I keep saying go listen to the recorded convesation. The rep said I was all set and can keep using my phone up until the cancellation date.
Product: Credit card or prepaid card

On XX/XX/2023 I called bank of america and let them know I had a credit card opened under my name without consent & also has {$300.00} removed out of my checking account to be used as a down payment on the credit card that was opened without my consent. They made a dispute and credited my {$300.00} back into my account, a few days later I got a notice in the mail saying my dispute wasnt accurate and that there was a misunderstanding and that those {$300.00} that are mine are being removed out of my account again, saying it was never mine which that is completely wrong they removed that money from my checkings account to use towards a credit card under my name that I never consented for.
Product: Credit reporting or other personal consumer reports

I have a XXXX XXXXXXXX XXXX XXXX and XXXX XXXX personal loan
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to incorrect items on my credit report and it has been well over 30 days and I have not received any investigation results.
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 : XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights. 

I was looking at my Transunion report and noticed several inaccuracies. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( 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

XXXX had a account under my for {$370.00} XXXX explained to them this is due to my identity theft and alsp XXXX does not work in mt rural town also XXXX had a data breach and I explained them one I do not owe this money it's identity theft they didn't respond after numerous attempts alsp XXXX had a data breach and they refused to give me any compensation for the data breach or provide the actullu number to this fraudulent now i noticed on my credit report they sold this fraudulent debt to Jefferson Capital I do not or have not got any notices of debt from this company so I am asking Jefferson capital to immediately remove this fraudulent charges of my credit repodt immediately and deal with this with XXXX as once again this is identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are reporting an account that I paid off 100 percent as a charged off account! This is a MAJOR violation, and this is not legal whatsoever. I have tried numerous times to remedy this problem and you have come back and stated that this account was verified. How was this account verified when the data furnished from all 3 bureaus are incorrect and inconsistent with one another? If this account is not removed from my credit report, I will be filing a statement of claim against Experian and XXXX if this account is not removed from my credit report immediately. I am demanding that the following account be removed from my credit report : XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Between XX/XX/2019 and XX/XX/2019, I fell victim to two multi-layered scam operations run by XXXX. XXXX XXXX and XXXX XXXX limited which involved me making deposits for a total amount of EUR XXXX from my Crypto.com account to fraudulent investment firm ( s ). 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Crypto.com did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Crypto.coms custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Crypto.com promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Crypto.com was in compliance with its own policies and procedures ; ( v ) whether Crypto.com owed duties to myself, what the scope of those duties was, and whether Crypto.com did not uphold those duties ; ( vi ) whether Crypto.coms conduct was unfair ; and ( vii ) whether Crypto.com has within its power the ability to, and should, compensate me for the harm that has befallen me.
Product: Debt collection

In XX/XX/year> I moved across the country from XXXX XXXX to XXXX. I returned my rented XXXX equipment in XXXX XXXX, then ordered new equipment to my new XXXX address. When I arrived in XXXX, I discovered that the new equipment had been incorrectly shipped to XXXX XXXX. I spoke with XXXX customer service and they admitted to the mistake and ordered new equipment sent to my XXXX address. XXXX then charged me a {$150.00} " unreturned equipment '' fee for the equipment they incorrectly sent to my old XXXX XXXX address. I complained to XXXX customer service and they agreed to drop that charge. Over the next 8 months until now XXXX has repeatedly re-charged me the same {$150.00} and I have complained every time to get them to delete the charge. They tell me that it has been removed every time. However, they recently sent that {$150.00} incorrect charge to a collections agency and my credit score has dramatically fallen as a result. Again, I contacted XXXX customer service and they agreed again that the charge should be dropped and removed the charge from my XXXX account. But, they have still not removed the negative collections mark on my credit report with the credit bureaus. I have already disputed the charge with the collections agency and with the credit bureaus. But the collections agency told me it can't be dropped from my credit report until XXXX reports it as an incorrect charge to the credit bureaus. I am at a loss for what to do next because XXXX has not removed the negative collections mark and every time I call them they tell me they will do it but they don't actually do it. I have requested that they email me their confirmation that the charge has been dropped, in writing, but they simply don't send anything. I have always had a very high credit score but my credit report is still showing this one derogatory mark and my score is far lower than it should be.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX : XXXX -- -> : {$520.00} XXXX XXXXXXXX : XXXX -- -> : {$440.00} XXXX  XXXX : XXXX -- XXXX : {$1100.00} XXXX XXXX : XXXX -- > {$700.00}
Product: Debt collection

Company : Northtown Capital Services Group LLC Representative : XXXX XXXX XXXX XXXX : XXXX Company Phone : XXXX Issue : Repeated calling, calling relatives and associates, calling after being told to send correspondence by mail, refusing to identify the organization calling Hello, I have had repeated calls from relatives stating this person from this company has been calling and asking to verify information about me. This is a direct violation of the FDCPA. I have received a phone call myself and told this person I would not verify who I was until I knew to whom I was speaking. This person stated they would not do so because it was a " private matter '. I then told them to send any correspondence to any address they had on record and to not call me any longer. They immediately proceeded to call any person with whom I have associated asking for verification on my whereabouts and contact information. This is a second violation of the FDCPA. I have never done business with this company and to my knowledge have no outstanding debt with them or anyone else at this time. 

Please send them a cease and desist order for phone calls. Thank you.
Product: Credit reporting or other personal consumer reports

I have made multiple attempts to contact Equifax through various channels such as email, their website, and written correspondence in order to seek assistance in resolving a charge-off account with XXXX, the creditor in question. Despite providing evidence of the debt cancellation by XXXX on numerous occasions, Equifax has failed to investigate the matter or rectify the reporting inaccuracies. It is imperative that the status of the charge-off be updated to reflect its accurate disposition, either by removal or by noting it as pardoned or canceled. It appears that Equifax may not be adhering to the guidelines outlined in the Federal Credit Reporting Act, thus potentially not acting in my best interests.
Product: Checking or savings account

I use Chase Bank as my primary bank for my business, and I submitted a claim on XX/XX/2021 for an unauthorized charge on my debit card which happened on XX/XX/2021. 

I called them and told them " {$1200.00} from Amazon.com on XX/XX/2021 is an unauthorized charge, so I want to file a claim for that transaction. '' They asked me " Is that the only unauthorized charge? I see that you have monthly charge from Amazon Prime, on the 12th of every month, since XXXX of 2021. Are those valid charges? '' I said " No those are not my charges. '' They said " Okay, we will include those 6 monthly charges from XXXX in this claim. '' Few weeks later they told me they can not give me credit for {$1200.00} transaction because they " can only issue credit for the transactions that occurred within 35 days from the very first unauthorized charge '' They said " Sir, your claim includes total of 7 charges, and we have to apply the 35 days rule, so we can only give you credit for first two transactions. 

So instead of crediting me for {$1200.00}, they gave me a credit for two {$14.00} Amazon Prime monthly charges. Total of {$28.00}. 

I told them " who told you to group those charges into one claim? You guys need to separate those charges into two claims, one claim for the Amazon Prime monthly charges, and one claim for the Amazon.com charge of {$1200.00}. Those transactions are different in nature, so it is unfair for the bank to to group all those charges into one claim. '' They said " Sorry sir, we already processed the claim so we can not make any changes. '' I called them several times to complain about this issue but they were not willing to reconsider their decision. They wouldn't even give me their last names, email address, phone numbers, or employee ID number. 

I also sent them an official complaint letter twice, first one on XX/XX/2021 and second one on XX/XX/2021, but I received no response whatsoever. No phone calls, no emails, no letters. 

This is an unfair, deceptive, and misleading practice of JPMorgan Chase Bank. I trusted them to protect my money safely, but not only they failed to do so by allowing unauthorized charge go through without sending me any verification or confirmation of the transaction, they later denied my claim using some BS rules that they made internally. I am not even sure if that 35 day rule actually exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Transunion are damaging my credit with false information. Even though I have detailed the situation to them XXXX times, they have chosen to ignore me. 

In XXXX I had a XXXX  service. XXXX of my drivers wanted to own his own vehicle. I guaranteed a loan for him from XXXX. Months later, without my permission or knowledge, the driver turned the vehicle back to XXXX, and XXXX accepted it without my signature even though I had an economic interest in it. The first I heard about the situation was when XXXX sent me a letter demanding payment for the loss they incurred in resale of the vehicle. I was never given the opportunity to possess the vehicle and take over the loan obligation. Had XXXX advised me of the situation, I would have simply added the vehicle to my fleet, leased it to another driver and continued making the loan payments. 

Nevertheless, the credit reports from these XXXX companies state that I defaulted on the loan to XXXX, thus substantially damaging me. Obviously, these companies have not acceptably investigated or considered the matter. Please help me!
Product: Debt collection

I received a demand for payment from a collection agency named Monterey Collections and sent them a notice that I did not want to work with them by sending them a certified letter notifing them that under provisions of Public Laws 95-109 and 99-361, also known as the Fair Debt Collection Practices Act, that their services were no longer desired. 

I informed them in my certified letter to them that failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and the California Attorney General 's office. I also told them that I will pursue all criminal and civil claims against them and their company for refusal to adhere to this request. 

I am filing this complaint to follow through with my stated action I would take against them for violating this law.
Product: Debt collection

The company is difficult to contact. Attempts to login to the provider website were futile. Further my name was misspelled on the letter that arrived.
Product: Payday loan, title loan, or personal loan

The company encourage me and others to enter into a deferment plan when the Covid19 pandemic initially hit. Every time we logged in to the website, there was all sorts of information about how they could help relief during this time if you were laid off, place of employment shutdown, etc. The representative told me that my 3 payments would be due at the end of the loan and that payments and interest would be deferred. He explained that He explained that there would still be interest, but it would be deferred like the payment. The website also made that seem very easy. I was happy because my business had to shutdown and it took a burden off for a  while. My XXXX, XXXX and XXXX payments were deferred. I did not have to start back making payments until XXXX. However, they really did not help me. When I started making payments in XXXX ; every dollar of my XXXX and XXXX payment went towards interest ; all {$800.00}. The last payment I made before Covid19 hit was in XXXX and only {$170.00} of the payment was interest. I feel that this company used the pandemic to capitalize on consumers by misleading them in order to get more money in interest. They really did not help me during this time because now I actually owe more money than I would if I had just scuffled and tried to continue to make the payment. They used misleading tactics and actually encouraged consumes to utilize their forbearance plan in order to charge more interest.
Product: Credit card or prepaid card

I called us on XX/XX/2016, and enrolled your credit card accounts in Balance Liquidation Programs, which reduced your annual percentage rates and suspended applicable late and over limit fees from being charged. I do not recall being advised you during the call that your accounts would be removed from the programs if the initial payments were returned. We also sent you the enclosed letters dated XX/XX/2016, advising of this information ; which were never received. We received your enrollment payments for the programs on XX/XX/2016 ; however, they were both returned due to insufficient funds. - They payments were not to be made until the XX/XX/XXXXof every month. We sent you the enclosed letters on XX/XX/XXXX, and XX/XX/2016, advising you of the returned payments- those were not received as well however I did make additional payments to replace the ones there after and made payments regularly thinking I was on the program. After the payments were returned the payments were replaced and continued to be made after at no time did I receive any letters stating that the program was canceled otherwise why would I continue to make payments. As far as the other account it is of no consequence I have accounts with other institutions. I do request the late fees and interest be adjusted. I would like the late payment history on my credit to be adjusted as well. I called in on my own to get help I was going through a financial crisis under this thinking I could have let my accounts remain open and not close them myself.