23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had an agreement with XXXXXXXX XXXX, I was paying what I could and without notice they sold to a different company which is midland credit management. I was sent a letter through XXXX, the letter was threatening my credit and sending me to an attorney to sue me. They called and all hours of day and night up to XXXX and starting again at XXXX, then they called my work after they were told to stop. I have disputed this 21 times through XXXX and XXXX XXXX. I finally got it closed on my report my scores finally went up and I got an alert from Experion that there was wrong info on my report and I need to investigate it. I got on there and they reopened the account at XXXX $ less. I contacted them for the 3rd time and told them this needs to be removed it is closed and they said they would investigate. Well now they have listed back in my credit report again as 2 separate collections dropped my score again and I am being hit with 2 collections with the same company for the same debt. The only difference is it is a couple of dollar difference. I do have screenshots were it says closed and yet they have now reopened it 4 different times. They still sent me threatening letters when they were told to stop. I have brought this to their attention numerous times and yet they dont do anything about it. I have also added a personal statement to my credit so my credit doesnt become trashed again from this company. I have no agreements with them but yet they are very harassing very unprofessional and very shady with their business practices. I want this closed and off my record it took me years to get my credit out of the XXXX and I am not going to let them ruin me.
Product: Debt collection

Mass email stating I have uncollected debt to ACE cash in the amount of {$750.00}. If I dont pay immediately they will file legal action. I can settle by paying {$300.00} immediately. Ive never had a loan with this company or its subsidiaries.
Product: Debt collection

I previously submitted a complaint with your department very unhappy with the results. You close the dispute so fast without even giving the chance for me to respond on the final reply from the credit deck collector since then I've recovered all the information improve on my side, which wasn't an easy task, they lied. They stated they didn't receive it. They've changed their address multiple times they sent the request that I received and I no longer even lived at that address already for over a year and I have proof of that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX, and received an alert that my social security number was used by factual data on XX/XX/2021. I reached out to factual data to file a dispute that I was told by factual data that could take 30 days. I was not aware of the Inquiry by factual data nor did I apply for anything online. When I received the report from factual data to remove this Inquiry from my Credit report that I did not authorize. I was denied. Then I was informed that the factual data report was authorized by a company called XXXX XXXX. Then I was informed that this was a Mortgage loan from Online. Again I did not authorize or apply to any Mortgage Company online. So I have filed an Identity theft fraud complaint with the credit agencies. I'm just requesting this inquiry, and information removed from my Credit report from Factual Data.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : payments never late DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : inquires not mine 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/2023 Account number : XXXX On XX/XX/2023 I received a letter form Javitch Block LLC regarding current creditor - XXXX XXXX XXXX XXXXXXXX / Original Creditor - XXXX XXXX XXXX in the amount of {$32000.00}. 

On XX/XX/2023 Javitch Block LLC received my detailed response via Certified Mail/Letter from me at XXXX XXXX XXXX XXXX XXXX  XXXX OH XXXX via asking them to please provide me proof of the alleged debt with the following information : What the money they say I owe is for, Explain how they calculated what I owe, Provide me copies of papers that show I agreed to pay what they say I owe, ; Identify the original creditor ; provide the statute of limitations has not expired on this account ; show me that you are licensed to collect in the state of Texas ; provide me with their license numbers and registered agent credentials. 

I also request in writing that no telephone contact to be made by their office to my home, cell phone or place of employment. Which was not abide by, as I am still receiving phone calls daily. Ive still yet to receive a response letter back from Javitch Block LLC within the XXXXday period, which puts them in violation. This negative entry has cause me lots of denial on applications submitted to various institutions, and needs to be Deleted Immediately. 

Sincerely, XXXX XXXX
Product: Debt collection

I am a victim of identity theft. They refuse to remove the account, despite my documentation of fraud and that it was opened online with an address they provided in their response which was never my address. They clearly did not verify the identity, and sent the card to an address that was not mine. They removed two others, but not this account, from my credit file. I want it removed immediately.
Product: Payday loan, title loan, or personal loan

I had a joint personal loan with my mom through Tower Loan. The account was always on time until my mom was diagnosed with XXXX XXXX XXXX in 2016. Upon finding out about my moms diagnosis, the branch that I was doing business through persuaded me to refinance the account as an individual account. I didn't receive any additional funds, but they told me it was best since my mom didn't have long to live. Once my mom passed away it was hard for me to make the payments alone, but Tower Loan would not help me with reducing my payments. I was also not informed that the insurance on the account that they force you to signup for when you get a loan would have paid the original account in full when my mom passed away. I am now being garnished. I have paid over {$6500.00} of a {$11000.00} garnishment amount on a {$3900.00} balance that I owed. I have tried numerous times to try to aquire some other form of payments with them due to the fact that I have received a promotion at my job and I am now in a position to make the {$150.00} a month payments. I am being garnished for around {$200.00} to {$300.00} every 2 weeks which makes it hard for me to pay rent, utilities, car note and take care of my son. I feel that if I would not have been persuaded during the time of my mother 's stage XXXX XXXX diagnosis to remove her from the account, the insurance that I had been paying for would have paid this debt. I feel that I was scammed by this business.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report, which I reported to TransUnion on XXXX Despite the time that has passed since my initial contact, I have not received any response from TransUnion regarding the concerns I raised. Below, I have outlined the inaccuracies that require immediate attention and correction : Account Information : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$340000.00} Issue : The account has never been overdue. I request that TransUnion correct this inaccurate information on my credit report. 
Account Information : Creditor : XXXX ( Account # : XXXX ) Date Opened : XX/XX/XXXX Balance : {$1700.00} Issue : The account has never been overdue. I request that TransUnion rectify this inaccurate information on my credit report. 
Account Information : Creditor : XXXX XXXX  ( Account # : XXXX ) Date Opened : XX/XX/XXXX Balance : {$6200.00} Issue : The account has never been overdue. I request that TransUnion correct this inaccurate information on my credit report. 
Account Information : Creditor : XXXXXXXX XXXX ( Account # : XXXX ) Date Opened : XX/XX/XXXX Balance : {$55000.00} Issue : The account has never been overdue. I request that TransUnion rectify this inaccurate information on my credit report. 
Account Information : Creditor : XXXX ( Account # : XXXX ) Date Opened : XX/XX/XXXX High Credit : {$5000.00} Issue : I request the removal of the late payment entry for this account. 
Account Information : Creditor : XXXX ( Account # : XXXX ) Date Opened : XX/XX/XXXX High Credit : {$2500.00} Issue : The account has never been overdue. I req
Product: Money transfer, virtual currency, or money service

My online Western Union credentials were compromised and an amount of {$5000.00} was stolen from my account by making a international transfer on XX/XX/XXXX. 

I usually make bank-to-bank transfers through western union. But the fraud transaction happend as a cash pick up. When person picks up the cash, a Valid ID has to be produced. In this case, a fake ID is produced and cash is picked.

Western Union is not able to provide me the copy of the ID that is produced at the time of cash pick up in XXXX and as the transactions are completed, they are not able to refund me with my money. 

Proper verification of ID was not done by western union and this resulted in the loss of my money. 
A case is opened on this with # XXXX and no action is taken by western union to investigate the issue.
Product: Credit card

2 Reason : The hotel ( XXXXXXXX XXXX XXXXXXXX ) incorrectly charged my USAA credit card ending in XXXX. Unfortunately, my apartment unit was destroyed causing me to be displaced to this hotel temporarily from XX/XX/XXXX to XX/XX/XXXX. 
This stay was approved by USAA XXXXlaims service department. 
However, the hotel continued to charge my USAA credit card after my departure date of XX/XX/XXXX. The dates charged were from XX/XX/XXXX to XX/XX/XXXX amounting to {$2500.00}. 
I spoke with many staff members about the dispute of these charges, while each promising they will reverse the charges, look into it, or reach back out to me. 
Finally, on XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX responded via email stating, I did contact our offices and given the time span of the reservation in question, the suggestion would be to go through the dispute process to try and find a resolve. 
I responded to XXXX XXXX requesting for assistance to dispute and received no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the reporting by HMF to XXXX of my liability for a late payment from XX/XX/2019. I will simultaneously be reporting this to the HMF and XXXX for further review. Grievance. 

1. I allege my ex-wife fraudulently processed a chargeback on prior payments made on my lease to HMF. Upon learning this, HMF indicated that their systems had me requesting the chargeback, to which I replied with the allegation. I further asked that they respond to the chargeback dispute inquiry with XXXX to affirm the payment was legitimate. They refused. I was unsuccessful in convincing my ex-wife to make the payments and so they were two months behind with no warning. 

2. When I began receiving calls from collections, I also offered to furnish evidence of the fraudulent chargeback. On XX/XX/XXXX, HMF collections called me with indicating that if I didn't make a payment that day, there would be negative reporting on my credit because we were " at the 40-day mark. I went ahead and MADE A PAYMENT THAT SAME DAY, XX/XX/XXXX. Because I was told this payment would avoid negative reporting, I am here alleging erroneous late payment reporting by HMF inconsistent with their own internal procedures and external communications to me. 

If they are exempt from disputing the chargeback, they most certainly should be held accountable for the communication regarding credit. There is more context to the situation that HMF is aware of and avoided answering the substantive issues above in complaint XXXX. Simply reviewing the payment record without listening to the recording of the collections conversation misses this vital communication, even if claimed as agent error ex post facto. It costs you nothing, HMF, to correct this error in your reporting. It most definitely costs you a customer if you refuse to correct the error. It shouldn't be my credit, in the meantime, that is the only thing impacted. There is an easy and just fix to this well within your power to redress. 

The software below is not processing attachments. HMF has relevant payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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, 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 XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries : 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  XXXX  XXXX  XXXX XXXX   XXXX  XXXX XXXX  XXXX  XXXX/XXXX  XXXX/XXXX  XXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, ( Experian, XXXX, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX account # XXXX ) I am Attaching identity and proof of address.
Product: Bank account or service

On XX/XX/XXXX I opened a checking account at XXXX bank via credit card. They required a lot in order to open the account, including a driver 's license, signature card, and credit card statement used to fund the account. I provided the license and statement to them via email the week of XX/XX/XXXX. On XXXX, XX/XX/XXXX, I mailed XXXX a signature card I printed from their online application. They told me this would be acceptable as long as it had my original signature and I sent it to them through the mail. ( I had previously sent them the signature card via email where they did not accept it. ) Funds were not available in my checking account at this time on XXXX, XX/XX/XXXX. However, I saw on XXXX, XX/XX/XXXX that they were available in my online banking portal. Clearly, they had gotten my signature card. I linked another financial institution to my XXXX checking account ( XXXX ) on XXXX, XX/XX/XXXX. The trial deposit was received ( and allowed ) at XXXX on XX/XX/2016. I confirmed the deposit at XXXX and submitted an ACH withdrawal request through XXXX to my checking account at XXXX Bank. This withdrawal from XXXX became available at XXXX on XX/XX/2016. 

On XXXX, XX/XX/XXXX I see the deposit as " Returned-Account Frozen '' in my XXXX account and that I have been charged a {$15.00} fee. My XXXX Account was not frozen, otherwise the trial deposit would not have been allowed. 

My funds were made available in my account on at least XX/XX/XXXX ( probably XX/XX/XXXX ), and the trial deposit went through fine on XXXX. Funds were available, and should not have been " returned '' after being withdrawn to XXXX. 

I want a refund of all fees I was charged by my other institution, XXXX. These fees were a result of XXXX error ( s ). I also want both my checking accounts closed at XXXX and to not be charged any fees to do so.
Product: Checking or savings account

I am writing to report an illegal, abusive and discriminatory action by the entity TD BANK, of whom I was past client and owner of financial products. This entity has taken advantage of its dominant position to arbitrarily close my financial products alleging an alleged fraud that did not exist. This fraud is based on a transaction made by myself from my XXXX account to my savings account at TD BANK. The bank claims that my last name in the transaction matched my last name on the account. The bank not only froze the account, but also closed it in an abusive way, leaving me without access to my money deposited there in the amount of {$400.00}. Money which has not yet been returned to me. The bank is asking me to request to XXXX to start a reverse request, however XXXX has declined such request because there is no transaction b for that value that can be reversed. The {$400.00} that belongs to me and is held by the TD bank, is the result of different deposits and withdrawals of money, and not of a specific XXXX transaction that may be reverted. 

I have asked TD Bank to return my money either by : XXXX. Sending me a check to the registered account address : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. 
2. Send a payment to that same XXXX account they have reverted payments to in the past - XXXX 3. Make a payment to the current account of XXXX XXXX, the company that owns the XXXX account - XXXX XXXX XXXX  Account name : XXXX XXXX Account XXXX XXXX XXXX Aba Routing XXXX
Product: Debt collection

Company contacted my employer about alleged debt, as well as numerous members of my family.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and report instances of identity theft that have affected my credit report. Upon reviewing my credit report, I discovered fraudulent accounts that I did not authorize or recognize. This letter serves as an official complaint and request for investigation into these unauthorized activities. 

Details of Identity Theft : 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 and XXXX XXXX. 

I have taken the necessary steps to report these instances of identity theft to law enforcement and have obtained an Identity Theft Report from the Federal Trade Commission ( FTC ). Enclosed with this letter is a copy of the Identity Theft Report for your reference. 

I request that you conduct a thorough investigation into these fraudulent accounts and inquiries and take immediate action to remove them from my credit report. As a victim of identity theft, it is imperative that my credit report accurately reflects only legitimate and authorized activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN ENTRY IDENTIFIED AS U.S. BANKRUPTCY CHAPTER XXXX THAT IS REPORTING ON MY CREDIT FILE. THIS INFORMATION IS INACCURATE AND SHOULD BE DELETED FROM MY CREDIT REPORT IMMEDIATELY. I WOULD REALLY APPRECIATE YOUR ASSISTANCE IN RESOLVING THIS MATTER BECAUSE IT IS CAUSING A GREAT DEED OF HARDSHIP ON MY CREDIT.
Product: Checking or savings account

XX/XX/XXXX - sent {$200.00} ACH from XXXX to Chime but used the wrong account number XXXX XXXX - Both companies sending me back and forth to eachother not willing to help me. XXXX is at least trying to help me. XXXX needs a trace ID ( or has it now and needs chime to reverse it or find out what happened ) to find the ACH and dispute, Chime unwilling to help at all and is breaking financial regulations and is completely unprofessional. They have insurance for this stuff clearly and don't even want to help their customers. My money is in someone elses account and somehow went through. Either they resolve this soon or I contact a lawyer and go for my money and also my time spent dealing with this garbage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here is a copy of my Affidavit of Truth dated XX/XX/2022 which I sent a notarized copy to TransUnion reporting inaccurate information on my consumer report. I Demand you follow the 2 Acts that govern and control the credit industry. FCRA and FDCPA. According to 15 USC 1681E ( b ). I am entitled to an accurate consumer report. I demand you remove all these inquiries from my consumer report.
Product: Credit card

Amex posted offers which XXXX ) XXXX XXXX  for online transactions get XXXX off XXXX. I used the website to register CC and they used it for charges on cruise. 
Amex : Failed to give XXXX back in spite of not using the CC for purchase. 

XXXX ) Amex offer 15 % back for XXXX purchase. On my phone I use the link from Amex app to open XXXX  link which open XXXX  app to book the hotel room. 
Contacted amex they say now i have to use XXXXXXXX/amex. Why would they provide link to XXXX on their website on the offer page?
Product: Money transfer, virtual currency, or money service

I have a account through Paypal and they have held XXXX dollars of my money for over a week. It was a payroll check from my employer for the first two days I called once a day and they said it was a issue on there system. from the third day on I called five times a day and finally got them to show it in my account and walk through the transfer to my bank account and now they are holding it pending and first I was told one day then five days or whenever its free its free yet my bank show no transfer or pending transfer and I keep getting excuses and being told that I will get a call back yet never due. That is my payroll money and I use it to provide for my family and I asked them to cancel the transfer and make it available so that I could get my money another way and they refuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute regarding the incorrect items on my credit report it has been over thirty days and I haven't received my investigation results. 
On these accounts are the following companies : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, ( XXXX XXXX XXXX  ) XXXX XXXX