23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX I had a phone with XXXX. They were bought out by XXXX wireless. My phone bill was always paid on time. when XXXX got the XXXX company my bill doubled. I went to the local XXXX store and disputed the amount. They could n't explain the charges just said it 's on the bill I would have to pay the charges. So I wrote them a letter cancelling my phone account. I was paying my bill a month I advance. This is always a practice when first getting a cell phone. You paid your deposit and the first month bill. My bill was the same every month based on the package I had purchased. Their was no data charges at this time, just roaming and I had unlimited roaming. I was current until I got that bill, which mean I was already paid up if I no longer used the phone. The other charges that was on that account they were charging me for was not mine. I told them that at that time when I disputed the charges. 
XXXX sold that account to Midland Funding LLC. who is now on my credit report. They are trying to collect a faulty debt through deception. XXXX did not give them all the evidence. Midland Funding LLC never did the basic check to determine weather I actually owe the debt. Midland Funding never sent me a copy of what XXXX had sold to them, so I could look it over. Mid Land Funding LLC just started trying to collect a allegedly debt. I did not know Midland Funding LLC was on my credit report until I reviewed it in XXXX/XXXX/XXXX. Information Midland Funding LLC reported to credit bureau, was Date open XXXX and XXXX XXXX with a balance of {$970.00}. Midland Funding LLC then reported again to the credit bureau on XXXX. This is I checked my credit report, I think they are trying to hurt my credit score and scare me into paying that bill. When I disputed this account back in XXXX the amount we was discussing was not near {$970.00}. In XXXX of XXXX the Consumer Finance Protection Bureau found XXXX guilty of third party billing ( cramming ) as far back as XXXX. On XXXX of XXXX, XXXX the Consumer Finance Protection Bureau found a collection agency XXXX for collecting millions taking consumers to court for the same practice. The Courts and the Consumer Finance Protection Bureau warned companies should think about liability. Because firms are in their names, filing and trying to collect things that are not accurate. I do n't even know this company and have never agreed to do business with them. I just started receiving bills from them this year. It only had the original Creditor name on it and the amount along with there information where to mail payment. It says we ca n't sue because of the age of the debt, but they will keep reporting it to the credit reporting agency as unpaid.
Product: Credit reporting or other personal consumer reports

I let them know that I was affected by the 2019 XXXX data breach and my and the only thing that was done was an account freeze and I can't open up any accounts my self not even a bank account I had credit cards opened up that my ex wife did and I made a police report letting them know she did it as well I dispute all unknown accounts with XXXX XXXX XXXX and experian
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The Accounts Listed Below have violated my Federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX- Acct # XXXX, XXXX XXXXXXXX Acct # XXXX, XXXX XXXXXXXX Acct # XXXX, and XXXX XXXXXXXX Acct # XXXX, have violated my rights. 

15 U.S.C. 1681 Section 602A. Clearly states, " [ I ] have the right to privacy. Furthermore, 15 U.S.C.1681 Section A Subsection ( 2 ), states, " a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c Section ( a ) ( 5 ) further states : no consumer reporting agency may make any consumer report containing any following items of information and/or any adverse items of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-1 Sections ( A ) ( 1 ) : Indicates a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has any reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On XX/XX/2021, I filed a dispute with PayPal on a transaction through XXXX. I notified PayPal Credit and Pay about the transaction dispute ; on XX/XX/2021, Paypal Credit put charged {$280.00} back on my account. Paypal never closed my account dispute ( Case ID : XXXX ) ; they sided with the person that conned me on XXXX. A seller sent me the tracking number ; however, the item was not a XXXX sXXXX. It was a bag of rubber bands that they sent to me. I felt that this seller had duped me. I have provided the pictures to Paypal to show proof with the tracking number included with the package. After the item was purchased from XXXX, the person removed his account from the seller 's log. I provided the information with pictures. I sent all the information to Paypal, yet they sided with the seller. I will not allow the seller to con me. I sent all the evidence to Paypal ; it angers me that they sided with the seller without contacting me for more evidence. They have delayed the dispute ; the credit card company ( Paypal credit ) recharged {$280.00} without contacting me immediately. I feel that Paypal is looking the other way, allowing fraud transactions to occur. I waited over 4 hours to reach a live person they still did not resolve my situation I had to hang up.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Tx, XXXX XXXX XXXX XXXX Sir/Madam, I am writing to request a reinvestigation of the following item ( s ) on my credit report. I believe that the information listed below is inaccurate and would appreciate your prompt attention to this matter.

Disputed Item ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Thank you for your prompt attention to this matter. Sincerely, [ Your Full Name ]
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, 2018 my credit report was used without my consent from XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a bill from XXXX XXXX - XXXX XXXX in XXXX. I immediately called the number on the statement & advised them that this was not my account & that I had never dealt with XXXX XXXX. They told me to contact the Credit Bureau. I contacted all 3 Credit Bureaus. I have heard from Experian, who said the information had been updated & to contact XXXX XXXX if I'm not satisfied. It is still on my credit report as my account. This is NOT my account. They don't even have my name spelled correctly. When you contact XXXX, they tell you to contact the Credit Bureau & the Credit Bureau tells you to contact the Bank. What exactly must I do to get this off my report?
Product: Credit reporting or other personal consumer reports

First horizon has been for years reporting incorrect fraudulent account on my credit report. On several occasions the investigation took more than XXXX  days. 

I have NO KNOWLEDGE OF THIS ACCOUNT! 

I have been a victim of ID theft - police and XXXX report filed. 

Sent several letters demanding XXXX request of my file to validate the debt. 

Refusing to cooperating or send over information. Attaching their letters they send to me and credit reports with no File. 

I have went into the branch shown ID gave social and they have no records of me. They have no records when I call and they can not validate even who I am but send several updates in XXXX days to credit bureaus. 

They are reporting a fraudulent account number that they themselves no records of. 

They refuse to send over the file so I can turn over to the police. 

First horizon has no file and they are refusing to cooperate or send accurate information or update my file
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are fraudulent id theft. please remove from my report XXXX XXXX VIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX Phone number not available Requested On : XXXXInquiryType : IndividualPermissible Purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Phone number not available Requested On : XXXXInquiryType : Individual XXXX XXXX NA VIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX Requested On : XX/XX/2020, XXXXInquiryType : IndividualPermissible Purpose : CONSUMER INITIATED TRANSACTION XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX ( XXXX ) XXXX Requested On : XXXXInquiryType : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX Requested On : XXXXInquiryType : Participant XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XXXXInquiryType : Individual XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XXXXInquiryType : Individual XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX Requested On : XXXXInquiryType : IndividualPermissible Purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIA XXXX XXXX  I have tried contacting XXXX  to resolve this but can not reach anybody.
Product: Checking or savings account

My Account XXXX is XXXX with Ally Bank. 
I had to file disputes for 26 transactions with merchant XXXX I used my Ally debit card to transfer funds for currency exchange and this vendor charges your card and then transfers foreign currency to another bank account for you. The deposits made by this vendor to my foreign account for these amounts were later charged back and deducted from my account, being told those funds were returned to XXXX. XXXX stated those funds would be returned to my Ally checking account, but never were. Attempts to contact XXXX did not succeed, as they began asking for very personal and detailed information not pertaining to these transactions. 

I filed these disputes with Ally at the end of XXXX. Until now, three have been resolved properly : XXXX, XXXX, XXXX The remaining large portion are still pending. I have reached out several times via message if anything is needed from me and what is going on as to why a few have finished a long time ago and why these are still pending. I tried calling and was told I have no option to speak to anyone from disputes regarding these. 

The remaining disputes are below : The reference number for this are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. 

I would like to know how to proceed as this is a very sensitive matter and would like to get this resolved. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX Account Number : XXXX If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - Promptly, delete that item of information from the file of the consumer, or modify that item of information as appropriate, based of the reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting fraudulently amounts on my credit report. Heights Finance posed as a different company on the phone and I agreed to pay thinking it was another company. This company had already reported negatively on my credit report as a charge off ... the initial balance they alleged I owed was {$2100.00} in XXXX of 2020. Since then each month they have reported late fees of {$58.00} dollars monthly. I have proof this company is a fraud and is very deceptive. XXXX opened a account in my name under deceptive and fraudulent information. They should not have the right to bully consumers and impact their lives, by reporting false and fraudulent information on my credit report.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

In year XXXX every month I went to bank I was always having many overdraft or not enough money insufficient fund charges kept taking my direct deposit I just let them close account with negative balance stop my social security check going to bank
Product: Credit reporting or other personal consumer reports

Unauthorized hard inquiries hit my credit that I do not recognized
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair credit Reporting act XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not a account without my written instructions. 

Account name XXXX XXXX XXXX Account number XXXX Original balance {$24000.00} Past due amount {$4800.00} Date opened XXXX XXXX, XXXX Needs to be removed Account name XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$1000.00} Past due amount {$1000.00} Needs to be removed Account name XXXX XXXX XXXX XXXX Account number XXXX Balance {$1700.00} Date opened XX/XX/XXXX Needs to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX have been a victim of identity theft and am writing to request that you block this item from my credit report. I never initiated these accounts nor do I have a contract with the following Company ( XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX/XXXX XXXX ). These accounts are fraudulent and need to be removed. " The Fair and Accurate Transaction Act of 2003 '' requires you to block and delete any information that was the result of identity theft FACT Act Section 152 FCRA section 605B. The law states that you have 4 business days to complete this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry I have not done anywhere, some debts are not mine
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$790.00} XXXX  XXXX Balance Owed : {$11000.00}
Product: Credit reporting or other personal consumer reports

Im stating that all 3 credit bureaus will not work with me : XXXX Experian XXXX Victim of my full name complete address email addresses phone numbers passwords, ALL HAVE BEEN COMPROMISED and found on the DARK WEB
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the XXXX credit information hack I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, Experion, or XXXX in the first place. No American can sign up for any service or financial account without being validated by these three, so this is a forced requirement.
Congress should federally mandate that credit freezes, unfreezes, and reporting be made available at no charge and with no conditional requirements ( ie : signing up for credit protection services offered by the agencies or their vendors ). Our ability to BE American citizens relies on our ability to control our credit reporting. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they allow breaches that can cause permanent financial and identity harm. 

Thank you for taking time to read my complaint.
Product: Debt collection

I did dispute this claim that they put onto my account. I am very frustrated because Im not sure why this is there because this is not me and I had to make a complaint on another company as well because Im not sure why this is popping up on my account when there is no proof or evidence that I owe any of this money no signature from me no kind of identity card saying that I owe this money. They just put it on my credit, and I would like remove immediately because it is hindering a lot of things that I need to do with my life stressing me to the point where I will end up in the hospital please remove this stuff off my account. I have tried to dispute it, but they denied it and I would like for it to be removed ability recovery care I dont even know what that is because I dont need any recovery.
Product: Debt collection

My monthly XXXX bill was {$10.00} every month until they put me on a new plan without my permission in XX/XX/XXXX. That new plan was {$50.00}. I had auto pay on my account so they took my money. I canceled my service, and they refused to send me a refund so I disputed the charge. They gave me a XXXX cent courtesy credit so they want {$50.00}. I received a letter from a collection agency today XX/XX/XXXX. {$50.00} is what the collection agency is going after. That was resolved with the debt collection agency XXXX months ago. Now I'm being harassed by a second debt collection agency for the same amount which was previously resolved.
Product: Student loan

I am sick and tired of dealing with this servicer MOHELA. I can never get through via phone after waiting hours and hours. I have sent a message to MOHELA through my account portal and hadn't received a response requesting a supervisor call me. I have been misinformed regarding my student loans and my PSLF has been miscalculated and done completely wrong. I keep getting emails stating they will be my servicer then I get one stating they will not be my servicer. I am tired of being cheated of what I have worked hard for. My balance is incorrect as well. I am needing a supervisor from MOHELA to call me regarding my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Experian XXXX. XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ( XXXX & XXXX XXXX ) 2. ( XXXX XXXX XXXX & XXXX XXXX ) 3. ( XXXX XXXX & XXXX XXXX ) 4. ( XXXX XXXX XXXX   XXXX  & XXXX XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Debt collection

These accounts information are wrong and hurting my credit profile and score financially and get me in hardship with these false statements moving my information other debts buyers and messing my reputation XXXX XXXX XXXX XXXX Last reported XX/XX/year> {$1000.00}. 
Open XXXX XXXX XXXX XXXX XXXX Original creditor CAINE & WEINER Last reported XX/XX/year> {$2300.00} Open balance CAINE & WEINER Original creditor
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked and my PII as well my financial information may have been stolen.Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Product: Credit reporting

I was notified by a mortgage broker there was a negative credit report from XXXX XXXX XXXX on my credit report. It stated there was an amount due for a charged off account, reported XXXX/XXXX/XXXX. 
I called XXXX, and was directed to a division that handled revolving credit accounts at XXXX. This department was unable to locate the account or me by my social security number. I then called XXXX and they have no record of any past due account. However, they had changed banks from XXXX XXXX to XXXX XXXX. 
I then sent a certified letter on XXXX/XXXX/XXXX to XXXX with account number, my name, social security number, address, phone number and email address. I requested to have someone contact me so I could verify this was my debt, and make payment arrangement. The letter was signed in acceptance at XXXX XXXX on XXXX/XXXX/XXXX. 
I have heard nothing in writing or via email from XXXX XXXX. 
When I called them, they could not find the account or me by social security number. 
I am requesting that XXXX contact me in 30 days to verify the validity of this account, and make available to me a way to pay for account. 
If they are unable to verify this account, I am requesting it is removed from all XXXX credit reporting agencies, and I am provided with a written notice of such. 
Thank you, XXXX XXXX XXXX