23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I was contacted by a collection agency about a debt in collections from Discover of XXXX. I had not knowledge of this debt. I disputed it and a fraud case was opened. 

The week of XX/XX/2022 I contacted XXXX for an update on my dispute case. I was told it was discovered as a valid debt from Discover and collections was being sent back to them. 

On or around XX/XX/2022 I contacted Discover and Discover XXXX at the request of Discover to review my findings and request where to send this information. I was passed around to several departments. Some of which could not find my name and this account in their system at all. I also requested several times that the fraud case be reopened and that info sent to XXXX. As of XX/XX/2022 that had not been done and the account had been turned back over to XXXX ( per my call to XXXX at XXXX ). XXXX took my information and resubmitted it back to Discover as fraud. He provided an email at XXXX for me to send this additional information to as well. 

Also to note in my calls on or around XX/XX/2022 I requested to talk to the case XXXX, XXXX several times. Attempts were made to transfer my call there. They were unsuccessful due to phone issues. I was told to call back as she was at lunch, but she was also going into a meeting at XXXX central. I called back before her meeting. Again I was met with phone issues. I requested a call back from XXXX to go over the next steps I needed to take and update her on what I had found. I never received a call back. I then contacted Discover Security, which lead me to several different departments with no resolution or way to send my information to them. I was told to contact Discover Security again by the last person I talked to. I contacted Discovery Security again today, and the number I was given by XXXX was incorrect. An attempt to transfer me from the credit card division to the loan division was then disconnected. I called another number Discover had given to me. I was given the website to upload this info to and told my info would be passed along to a XXXX. I will be submitting all information via that website. A new case was opened ( XXXX ). I requested all information be sent to me on this account again. 

I have a XXXX XXXX report showing that no account numbers given to me by both XXXX and Discover have ever been open, closed or held in my name or social security number. I have a letter from my bank stating the same thing.
Product: Mortgage

My loan is serviced by Santander Bank. I have been trying for months now to get them to pay the property taxes for my house, for which I pay into an escrow account every month. They have also failed to pay the insurance bill. 

I received a notice from the bank that I don't have insurance with a threat to purchase the bank insurance so I needed to pay for the insurance while my money sits in escrow. 

Most recently I received a lien notice from Department of Finance for unpaid tax bills and now I fear my house may be foreclosed on.

This is all while I continue to pay into my escrow account. I have called numerous times over the past three months, and each time am told that they are looking into the issue but nothing is being done. The most recent time I called and asked to speak to a supervisor. I was told that they do not accept incoming calls and was promptly hung up on. 

I am at the end of my rope and do not know what else to do. I continue to pay for an escrow account while my insurance and tax bills remain unpaid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : KOHLS/CAPONE XXXX XXXX XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit card

I've consistently made sure payments are made on time for this account, never letting them become overdue. However, I'm unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute XXXX/XXXX XXXX. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Product: Payday loan, title loan, or personal loan

I currently have a personal loan with Mariner Finance and have done business with them for several years now. On XX/XX/XXXX I went on the website to pay bill but my {$200.00} was declined due to it not being the full amount of {$230.00} something. I come in to work on XX/XX/XXXX after returning from the holidays to be confronted by my boss about the Mariner account I have. He informed me that a representative of the company had contacted my work office and told him that I had a loan and that I was going to be prosecuted if I didn't pay. They continued by telling him it would only take {$130.00} or around that amount to avoid this from happening. This has caused turmoil for me and friction in my workplace. They had NO right to contact my employment and give any information other than to have me contact them. Because of this, I may lose my job.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$360.00} XXXX XXXXXXXX {$640.00}
Product: Debt collection

For over 2 years I have had an account with XXXX XXXX XXXX XXXX XXXX. I have NEVER had an interruption of services, in fact, received a water delivery yesterday XX/XX/XXXX18 but Collection Bureau of America is collecting on this bogus debt and refuses to contact XXXX XXXX to resolve this issue. 

XX/XX/XXXX.18, I contacted both companies to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX Account for was included in my bankruptcy. They state that my bankruptcy was not discharged nor open which is false. It was discharged on XX/XX/16. Furthermore, they insist to keep the account open and reporting my ALLEGED DEBT as a charge off for several months, a little over a year, even though my account had been closed previously on my Transunion report. I've reached out to them on several occasions to no avail and they are negatively affecting my Transunion report.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX and XXXX ive sent letters to the XXXX, transunion and XXXX about this fraudulent identity theft account ( XXXX XXXX, Account Number : XXXX. ) they have on my report. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint which is attached. pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt of my last letter and XXXX, transunion and XXXX failed to do anything thats against the law its been more than 45 days It has been well over 45 days since my last letter on XXXX. Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could send in a fraudulent account. In my last letter I asked to see a contract with my signature as proof and they have not sent me any proof that this XXXX XXXX, Account Number : XXXX belongs to me. 

under 15 U.S Code 1681b Permissible purposes of consumer reports I never gave XXXX, transunion and XXXX any written consent to report anything on my consumer reports no consent is FRAUD. XXXX, transunion and XXXX are violating my rights and committing fraud Also this XXXX XXXX  account is a charge off with a balance of {$840.00}. A charge off means XXXX XXXX has written it off already has been paid. It is inaccurate for there to be a past due balance if it is a charge off. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 168li ( 5 ) this accounts in violation not reporting 100 % accurate. Another reason you must delete. 
Also I respectfully Contacted XXXX XXXX and requested to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.They have not been able to provide such proof to me therefore you are reporting misleading false accounts.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 14 days prior I was not. I can only validate this debt. I do not wish to validate this debt. The item must be deleted from the report expeditiously.
Product: Credit reporting, credit repair services, or other personal consumer reports

In According with the Fair Credit Reporting act, Everything has to be 100 % Accurate on my credit report, under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) The below account are in Violation of not reporting 100 % Accurate. 

I have been disputing about my Discover Bank Ending with # XXXX with XXXX, XXXX to remove this account but they keep coming back and saying the account is verified. Attached is the Credit report which shows inaccuracies on my Credit Report. I would request to Delete this account and information related to this account completely from my credit report.
Product: Debt collection

XXXX  reported Commonwealth debt on my report. It is a medical hospital debt and I have not received notice from Commonwealth of this debt. It just showed up on my report. I shouldve received notice that this was a debt from this company or from the hospital but I called several hospitals to see if there were outstanding bills since I have had a lot of medical issues in the past but I never received notice of any. I asked if it was turned over but never received notice of this debt from this company if so O wouldve made right on it.
Product: Checking or savings account

On XX/XX/XXXX early in the morning, my cell phone and debit card were stolen in XXXX Indiana. Between XXXX my debit card and iphone were used for over {$9000.00} in fraudulent charges. I realized on XX/XX/XXXX that my phone, online account and debit card had been compromised and immediately reported it to Chase. They opened a series of claims but only credited {$430.00} of the claims. Several weeks later all of the claims came back " closed '' saying " We found that the transaction was processed correctly or was authorized ''. After another attempt at filing claims through Chase 's Customer Claims Department I went to my branch manager who opened claim number XXXX on XX/XX/XXXX. {$9200.00} was credited back to my account. On XX/XX/XXXX I received a letter saying " We found that the transaction was processed correctly or was authorized '' and on XX/XX/XXXX the amount of XXXX was removed from my account. I reached out to the Customer Claims department and they said they would not investigate any further and I have not heard back from my branch manager.
Product: Debt collection

Company is reporting the wrong balance on my credit report as affirmed by the balance sheet their lawyer ( at the time ) sent to me XXXXXXXX XXXX  XXXX. Their representation also filed these documents containing a different balance in a lawsuit they filed ( or frivolously threatened to file ) in XXXX AFTER the statute of limitations in the state of GA had expired. When I reported this to XXXX during a dispute in XXXXXXXX XXXX XXXXXXXX they stated the debt was validated by Persolve. Due to this dispute being repeated MANY TIMES over many years for wrong balance and fraudulent reporting I am requesting immediate removal. XXXX has been inaccurately categorizing my dispute request as Invalid date instead of invalid balance and failure to validate even though Persolve/XXXX XXXXXXXX XXXX offices has taken longer than the allied XXXX days to respond to my validation request. I am requesting this debt be removed from my report entirely due to the FDCPA which prohibits XXXX XXXXXXXX from making false statements about the character, amount, or legal status of your debt. My rights have been violated by XXXX and XXXX XXXX XXXX XXXX XXXXXXXX Persolve Recoveries LLP and reporting as PERSOLVE LEGAL GROUP XXXX. My disputes have been inaccurately flagged as frivolous and have been closed sometimes as soon as XXXX day due to lack of and inadequate investigation or they constantly reset the clock on my claim to allow the furnished more than the allotted XXXX days to respond. XXXX has not once even though requested submitted to me evidence regarding their actions in processing of my disputes. And Persolve has once again over the phone stated to me that they are not pursuing any legal action when last year they claimed to be filing a lawsuit against me and transferred my case to XXXX XXXX AND XXXX who has also sent me ( and submitted to the courts ) balance information that differs from what is reporting on my credit.
Product: Vehicle loan or lease

XX/XX/2021 I request a payoff for a XXXX XXXXXXXX for XXXX XXXX XXXX XXXX 
They gave me a list with PAY OFF STATE TAXES BATTERY FEE FL DOC STAMPS LICENSE TIRE FEE PREDELIVERY SERVICE CHARGE ELECTRONIC FILE TAG AGENCY In the end I have to pay just payoff, state taxes and doc stamps Now I am trying to payoff my XXXX with XXXX XXXX and they said that is mandatory to pay all these fees, not only payoff and state taxes PAY OFF {$24000.00} STATE TAXES {$1600.00} BATTERY FEE 0 FL DOC STAMPS 0 LICENSE {$250.00} TIRE FEE {$0.00} PREDELIVERY SERVICE CHARGE {$790.00} ELECTRONIC FILE {$230.00} TAG AGENCY {$57.00} TAG AGENCY
Product: Credit card or prepaid card

My wife ordered some make up on a trial basis about 8 months ago and checked off the subscription box in error. She received her trial make up and decided she did not like it. We never gave it another thought because I had been diagnosed with XXXX XXXX and were busy with countless trips for treatment and XXXX. I was reviewing our XXXX bill in XX/XX/XXXX and discovered a charge of XXXX for a make up that we did not get. I then back 8 months and saw charges for the same amount. I contact the merchant on XX/XX/XXXX and was rudely put on hold to never return. I called again on XX/XX/XXXX XXXX and spoke with XXXX who said that he would issue a cancel number to us and said to wait on hold. He never returned and did not issue the cancel number to stop the charges. I called XXXX 3 times on different dates for assistance and only have two dates listed on my paper work, XX/XX/XXXX, XX/XX/XXXX. On these calls plus the third call to the bank they acknowledged my complaints, advised me to call if any more charges came so that they could remove them. The bank managed to get someone on the telephone from the make up retailer on XX/XX/XXXX who issued a cancel order number to the bank and I and stated old charges would stay, new charges would be withdrawn. I a conversation with XXXX today I was told by person named XXXX that he would file protest for me but charges will stay. I asked for a new account number and was told charges would still be applied to new account. We have had this card for 6 years and our bill has been paid in full every month. I feel the merchant and today the bank is taking advantage of my age and current health.
Product: Checking or savings account

wells fargo bank teller refused to disperse an inperson nwithdrawal on XX/XX/23 stating they did not have enough cash on hand. this was after questioning me about what i am withdrawing for and spending the money on inappropriately. she had originally denied to meet with me about my account saying she didnt have time. she told the next closest bank was sending cstomers to their branch that day because they were out of cash. i went to a dofferent branch and explained this, requesting the teller be discreet, which she was not. she verbally announced my transaction amount repeatedly in front of a long line, being the only teller working in the bank, and requested information such as my occupation. i have had this account open for a long time and it was totally violating. on or around XX/XX/23, my checking debit card was used without my consent for a wire transfer making my funds unavailable for over a week. i obtained a new card, but the teller questioned me inappropriately today at thebank about how this happened, if i have XXXX set up, etc. I called wells fargo because ther site does not have details aboit filing a complaint and the banker kept me on hold for another agent, utimately refusing to provide a method to file a complaint.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card

I got a call form PayPal on XXXX different occasions saying I had outstanding balance. After calling back I found out that I have XXXX accounts neither XXXX was I aware were out there. My daughter opened them in my name. After she was in jail she admitted to me that she did this.
Product: Credit card

XX/XX/2023 Capital One opened a card under my SSN without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had called Experian when I was having difficulties obtaining a new car when I was stuck in XXXX, California. Based on what I had been told in early XXXX, when I was on the phone, the representative told me after she had removed the incorrect addresses that my credit score would be XXXX. To my embarrassment at the car dealership, they showed me that the credit score was affected by a charge off from when my daughter had used my credit card and the amount was PAID IN FULL by me by negotiable instrument and remittance coupon with MONEY ORDER tendered by me to XXXXXXXX XXXX  over two years ago! I had no idea that the interest was still running. According to the rules of the statutes when tender is delivered, interest and late charges must stop! Experian had still not removed it and neither did XXXX have my permission to share my private information to any third party. When in XXXX of this year, after being turned down by a few banks for financing due to that erroneous income as charge off or discharge would be considered income by the IRS, that should not even be on there. So, I did write to Experian and I do believe that I am having retaliation based on me opting out of negative adverse reporting and asking for those harmful adverse information of my private information being shared to the public. I received two letters of adverse action which goes agains HJR 192 & Public Law 73-10 as well as title 18, 8, the law also states that Credit Reporting Agencies do not have authority to report as they are not government but they could be construed as financial institutions in commerce using credit data as money. They make a profit with data sharing. 
XXXX on the phone let me know that Experian called XXXX and " ordered them to reduce my credit limit from XXXX down to XXXX. '' ( I believe that is a code ) and I have received all of the credit reporting agencies with the same notice along with the car dealership letting me know of the lowered credit score and adverse action. 

These are damaging against my person and harming me. I opt out of negative reporting as it goes against " the privacy act ''. I believe I am being XXXX with my credit report as it has harmed me and I could not get a car and had to stay in hotel rooms until my car could be repaired and it took me about three weeks to get home. 

These credit agencies are being paid by the companies and this is a XXXX violation of racketeering against my " full faith and credit '' .I demand that my score be restored to the highest score and all negative inquiries about my personal business be removed as it is harmful for the economy and all of these companies are being paid in full with negotiable instruments or they are using my credits open ended account and benefiting from the XXXX scheme that they charge for companies to acquire information and I also would like proof that they also pay companies to report to them so that the people will have to pay higher interest rates or be turned down for credit when no one should be turned down based on title 18, 8 and HJR 192, public law 73-10.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 XXXX acct # XXXX was charged off so I deem it against my consumer rights to be punished for something thats holding me back from achieving my financial freedom in todays society. I asked this old debt be deleted from my consumer credit repot