23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

contacted XX/XX/XXXX by XXXX XXXX XXXX, claiming to be a process server and advised to call XXXX. 


I called and the number led to XXXX XXXX XXXX. I spoke at length with XXXX XXXX, and was informed that the FTC is suing me for " Fraudulent Loans '', stemming from a surrendered XXXX XXXX XXXX that was voluntarily surrendered back to the finance company in XXXX. My bank accounts were threatened to be seized, which would render me unable to pay my monthly bill obligations. XXXX XXXX said he would contact Citi XXXX XXXX XXXX and try to work a number to my benefit. I explained that this debt was already paid in XXXX, and I offered to provide proof of the payment. 

XXXX XXXX called back after XXXX hours ( roughly XXXX XXXX  EST ), and said that Citi would credit me 35 % of the money owed, stemming from my claim of already having paid {$4800.00}. XXXX XXXX said that Citi did not see the payment in any manner in their system, and that I likely was scammed. 

He then offered to have me render a payment of {$980.00} via overnight mail and advised me NOT to use United States Postal Service. XXXX XXXX stated " This payment must be presented prior to XX/XX/XXXX - really by Friday- as this is the filing date the FTC/Citi intended to utilize in order to seize my accounts. 

He gave me the address to remit the payment to as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. A cursory XXXX search shows this address to be a Co-Op of businesses/virtual businesses with a central secretary on site, and the tenants of XXXX XXXX are XXXX XXXX XXXX XXXX Citibank, being a rather large corporation, does not fit this profile.
Product: Vehicle loan or lease

We paid off the loan through Honda Finance online through the Honda finance website using money in our XXXX XXXX XXXXXXXX checking account on XX/XX/XXXX for approximately {$12000.00}. We plan to title the car over to my son. The funds cleared my checking account by XX/XX/XXXX and the loan on the Honda Finance account shows a zero balance. on XX/XX/XXXX I checked with the Arizona XXXX and the lean we still showing on the title. I called XXXX XXXX and they confirmed a zero balance but refused to send a lean release before 10 days after the payoff unless I sent documentation of all of the transactions in my checking account to them. I do not believe I should be require to disclose all of the data in by checking account statement for the loan payoff and other transactions to obtain a lean release on my car 7 days after it was paid off and after they received the money an my loan balance is zero. I sent a copy of my checking account activity statement showing just the transaction for payoff but they deemed that not acceptable.
Product: Debt collection

I noticed on my credit file that Affirm was trying to collect Debt for XXXX different accounts that I did not authorize for the amounts of {$260.00} XX/XX/2024 {$290.00} XX/XX/2024 {$270.00} XX/XX/2024 I filed police reports soon as I found out I then filed disputes and mailed in the police reports to XXXX. XXXX emailed saying the company said that the accounts were accurate but neither Affirm nor XXXX is telling me how the investigation was verified. If they truly did an investigation they would know I did not authorize these accounts. My credit score has been dropped XXXX points since Affirm reported this on my credit file. I need this company to correct this fraudulent account
Product: Credit reporting, credit repair services, or other personal consumer reports

For longer than past 2 year 2 collection accounts are been impacted my credit records. To start the been reported for investigation because they are not mine, but every single time the collectors re selling the account to another company and the get away with that to report the accounts over and over. After request investigation from the 2 out of 3 credit companies XXXX and experian they concluding the account are valid and they do not change or modify my report. 
Collection companies send me a letter asking to send a police statement to prof is fraud, after contact XXXX county sheriff office, they told me they are not in charge of these investigations, the job is done by credit agencies. Well my attempts fail over and for more than 2 years and credit agencies not providing anything back to me to validate the fraudulent accounts same as the multiple debt collector that these accounts are been pass over and over. When I call them they just tell me the call is going to be recorded and ask me my name and personal information to access the system after that the questioning back if Im the person on the account and after mi confirmation now Im confirmed the account is mine they told me in bed to paid and is recorded and they disconnect the call if Im no agree on what they said. Same thing happening today as I called Experian fraud department and XXXX took my call she asked me my social and after Im pausing to times and she warning me about not guess just one shoot to provide the number she said thanks for calling Experian have a great day and hand up  the phone on me. 
Same as the debt collector when Im not accepting the accounts are mine. Seems like Im obligated to said yes they are mine accounts even when they are not and pay for something is never been use or order by me? As the only way to solve the problem. Very frustreted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union credit report had my current address incorrect and previous addresses Ive never resided at- and phone numbers Ive never had. Trans union failed to remove the information upon my request of investigation. Ive never lived at any of the places I reported and phone numbers I reported. They dont keep accurate information or respond to me attempts to resolve these on going issues- why does Tran union have so much inaccuracies in information
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
USDOE/XXXX  XXXX Balance : {$0.00} DP OF EDUC XXXX Balance : {$8800.00} DP OF EDUC XXXX Balance : {$9300.00} DP OF EDUC XXXX Balance : {$3300.00} DP OF EDUC XXXX Balance : {$1100.00} DP OF EDUC XXXX Balance : {$5900.00} DP OF EDUC XXXX Balance : {$3300.00} DP OFEDUC XXXX Balance : {$8500.00} DP OF EDUC XXXX Balance : {$4900.00} DP OF EDUC XXXX Balance : {$7600.00} DP OF EDUC XXXX Balance : {$2300.00} DP OF EDUC XXXX Balance : {$7200.00} DP OF EDUC XXXX Balance : {$3800.00} DP OF EDUC XXXX Balance : {$8600.00}
Product: Prepaid card

I received a vanilla gift card for XXXX XXXX. It has been sealed in its cardboard sleeve in a safe until yesterday XX/XX/XXXX we tried to use it. It was declined, so we logged into vanilla gift card balance website and saw 4 unauthorized charges for {$50.00} each, so we are missing {$200.00}.
Product: Credit card or prepaid card

- I signed up for a day-trading course from XXXX XXXX XXXX, with the agreement of ( 4 ) payments of {$140.00} which is {$580.00}, using my Bank of America credit card. After ( 1 ) month of making ( 4 ) weekly payments, I received another charge from XXXX XXXX of {$190.00} that was charged on my BOA credit card again. 

- I reached out to XXXX XXXX via email - who told me that the {$190.00} was charged because I failed to cancel the service before ( 30 ) days. I explained to XXXX XXXX that I assumed that I was purchasing an individual product and not a subscription service ( as the company offers both of these, but the individual product does not expire and the subscription service does ). The company sent me back a lengthy and clear listing of their terms and conditions, which clearly showed me that the product that I purchased was a subscription service, and if I did not cancel within ( 30 ) days a monthly charge of {$190.00} would apply. 

- However, these clear and concise terms that XXXX XXXX provided me, was very inconspicuous on the email ads that was used to entice me to purchase the service. Specifically, XXXX XXXX used a browsewrap having only a hyperlink disclaimer that was located way below the ordering link, in which there was no reason for me to continue to scroll down to see it. Legally, this type of unreasonably difficult to locate terms and conditions is not valid, binding, nor can it be enforced. 

- On XX/XX/2018 I disputed the charges with BOA ( 4 ) {$140.00} charges as the service was not even working while I attempted to use it and overall I was completely dissatisfied with the service because it was not what was offered to me and I also disputed the {$190.00} charge as this was not even authorized. These charges were reversed and was I provided a credit by BOA, I received a letter from BOA days letter explaining that the dispute was under investigation, and I may need to provide evidence if the merchant disagreed. Shortly after, the charges were applied back to my account.

- However, BOA failed to send me a written explanation as described by the fair credit billing act. I only became aware of this by calling to make a payment on my account which was much longer than the 10 days that the investigation was convened. I still reached out to BOA after finding these unbeknownst charges being reapplied to my account, but because the investigation ended more than 10 days, BOA denied even reading or reopening my dispute case.
Product: Credit reporting or other personal consumer reports

The Fair credit reporting act has not been upheld by XXXX, Equifax and XXXX. There are multiple inaccuracies, unverified and unfair information being reported on my consumer disclosure report. 

XXXX XXXX XXXX  and Credit lines XXXX XXXX XXXX -was not my account XXXX XXXX XXXX  XXXX -was not my Account *fraud XXXX  XXXX XXXX -was not my account XXXX XXXX XXXX XXXX -was not my account XXXX XXXX XXXX XXXX  XXXX -was not my account * Fraud Public Records- Bankruptcy Case records that are unverified and not XXXX by the court. 
Us Bankruptcy Court XXXX Ky XXXX XXXX bankruptcy XXXX XXXX XXXX XXXX XXXX bankruptcy XXXX XXXX XXXX. XXXX Us bankruptcy court XXXX XXXX XXXX Inquiries There are XXXX unverified and fraudulent inquiries on my report that I did not authorize to be reported bad did not initiate. 

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
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX. XXXX and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. 

According to XXXX XXXX. XXXX, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX / XXXX XX/XX/year> In accordance with XXXX U.S.C. XXXX, I request that you immediately block this fraudulent information from my credit report. This information must remain blocked for XXXX year, after which I may request an extension of the block. During this period, you are not allowed to report these accounts on my credit history. 

I have contacted the credit bureau multiple times regarding these fraudulent accounts on my report, but they have failed to provide a solution. This situation is severely affecting my ability to acquire a new home for my children. These accounts were removed and not verified by other credit bureaus, so I do not understand why they still remain on my report. 

I have formally requested contracts containing the information that supposedly belongs to me, but more than XXXX  days have passed without receiving any response. I ask for your assistance in immediately deleting these fraudulent accounts. 

I have attached the FTC report ( REPORT NUMBER : XXXX ) in the hope that you will make a fair decision regarding my case. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I was a victim of identity thefts my information was compromised from sprint and sold through the XXXX market.
Product: Student loan

I have a student loan that is now with XXXX XXXX XXXX and I am making payments to avoid the garnishment they are trying to file. I believe that my statue of limitations were up prior to collecting payments. I have also asked for documents on the student loan and they have n't been able to provide me with the correct documents.
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 XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$8000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3000.00} ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

THIS IS NOT MY BILL, IVE EXPLAINED THIS SEVERAL TIMES AND IM STILL FIGHTING WITH THIS, IVE HAD HEALTH INSURANCE FOR OVER 10 YEARS STRAIGHT, THIS IS N'T MY BILL, THIS DEBT HAS BE TRANSFERRED TO NUMEROUS COLLECTION AGENCY OF THE YEARS {$1100.00}
Product: Credit reporting or other personal consumer reports

XXXX : Account # XXXX If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without in- curring an additional finance charge, such addi- tional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the immediate removal of fraudulent inquiries from my credit report. Upon reviewing my credit report, I have discovered several inquiries that are not authorized by me. These inquiries are damaging my credit standing and have the potential to cause significant harm to my financial reputation. 

XXXXXXXX XXXX  XX/XX/XXXX and XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX. 

I have already submitted a report to the Federal Trade Commission ( FTC ) regarding these fraudulent inquiries and have enclosed a copy for your reference. Despite this, these inquiries are still being reported by your bureau. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I demand that these inquiries be removed immediately.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> was a victim of identity theft and reported to XXXX, XXXX, XXXX, and American Express .Also sent supporting documents, No response from the credit bureau 's, American Express .
Product: Checking or savings account

Truist Bank completed its company merger the weekend of XX/XX/2022. On XX/XX/2022, I received an email stating that I had been charged a {$36.00} overdraft fee, even though throughout the week I never had received an alert that my account balance was low or negative. I have a setting on my account to text and email me when my account balance is low. The email alert did not inform me of which transaction triggered the overdraft charge. 

I called customer service on XX/XX/2022 around XXXX am and was on hold for a representative for over an hour. When I spoke with a representative, he went through my transactions and informed me that the overdraft was caused when I transferred money from one Truist checking account to another Truist checking account the day on XX/XX/XXXX. Even though funds were available at the time of transfer, they stated that other pending charges posted before they processed the internal funds transfer and which therefore caused the overdraft. Truist refunded the overdraft fee but stated that I would not be entitled to another overdraft forgiveness for another 24 months. 

The customer service representative told me that if I call back within 24 months I could ask for an escalation and he would notate the situation to have an additional forgiveness considered. I asked to confirm this with a supervisor and notated on my account but when I did speak with the supervisor she told me that the representative did not provide me with accurate information and the bank would not provide me any additional grace in the future. It is still unclear to me why I was charged an overdraft when funds were available in my account during the internal funds transfer. I feel like I am being penalized for the messy merger that took place and not having accurate account information available during this timeframe and then losing my benefits due to situations beyond my control. I acted in good faith to ensure my accounts have enough funds based on the information provided by the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following creditors have violated my rights : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Account # XXXX -XXXX XXXX XXXX Original Creditor : XXXX XXXX ) Account XXXX XXXX -XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX XXXX XXXX XXXX ( XXXX XXXX  : XXXX XXXX XXXX  Account XXXX XXXX -XXXX  Account # XXXX XXXX Account # XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are reporting on my Credit Reports : XXXX : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XX/XX/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
Product: Debt collection

I checked my credit and saw an account from CREDIT COLLECTIONS with Original creditor : XXXX for {$290.00}. I was homeless at the time of service and requested financial assistance.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in XX/XX/year> to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 



XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Checking or savings account

I submitted my XXXX tax return thru XXXX and applied for a XXXX XXXX XXXX. I was approved for {$3000.00} out of my original figured refund amount of {$6100.00}. The {$3000.00} became available in my account on XX/XX/XXXX. On XX/XX/XXXX, I left my phone in a XXXX vehicle. Someone was able to get into my phone and transferred funds from my Credit Karma Account to several different apps I have downloaded on my phone. When my daughter came home on XX/XX/XXXX at approximately XXXX or XXXX, I used her phone to Suspend my XXXX and to locate my XXXX I went and found my phone and saw all the transactions that were made. I then called Credit Karma and told them about the transactions and I filed a dispute but they would only allow me to file the dispute on the Virtual transactions from XX/XX/XXXX that were not on HOLD, they totaled approximately $ XXXX that time they then LOCKED my account and Deactivated my Virtual Card. They would not let me get any of my funds out. They told me to call and file a separate claim for the transactions that were on HOLD still from XX/XX/XXXX. So I sent my proof to them and later that day my account was credited for the first disputes. Then in XX/XX/XXXX, the HOLD transactions went thru. So I called to file the dispute on those transactions, which total approximately {$550.00}. I called every day asking how I could get money from my account and a man with credit karma finally was able to attach my XXXX  Account to the Credit Karma account w them so I could do an instant transfer on XXXX. The on XX/XX/XXXX, I received a notification that my account is LOCKED again! I called them and they said they had no reason to give me behind the account being LOCKED but it would be CLOSED too. So I asked them when that would be happening They told me in a paper check in 90 days! I said what about my money thats in my account?? They said it would come back to me in a paper check in 90 days.. I asked about my IRS Deposit and XXXX XXXX XXXX I needed to pay back and they claimed everything is out of their hands and there was nothing they could do for me anymore and not to call them because a paper check would go out in 90 days! At that time I also asked the gentleman to change my phone number they had listed and to also remove XXXX XXXX XXXX XXXX from my account because I was no longer with themThey didnt do either of those things. Now I did get an email that stated they would be LOCKING my account but the email stated the following : Your account is being LOCKED. If your account does not have a negative balance, please keep an eye on your emails for more information and next steps. If you need help immediately, please reach out to member supportMy account balance is not in the negative so thats when I contacted member support! I applied for the XXXX XXXX XXXX to avoid loosing my home! And now Im not even getting the money!