23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2018 I got a loan in the amount of {$900.00} from XXXX XXXX. They advised on the phone before I received the money that don't worry about the amounts displayed on the screen we don't charge like that so I then decided to take the loan. Over the course of the loan they had withdrawn more than {$2300.00} without my authorization from my checking account and the money owed never went down. I advised my bank to refund their money back and to refund me all money taking on false pretense from the merchant Ally Bank advised they were in the process of returning the original amount deposited if I would continue with the dispute I advised that was fine. I call back and Ally refused to refund me my money for the unauthorized charges due to misleading people who would speak to you before you received your money, XXXX XXXX agents lie to consumers advising one thing and putting another on paper in order to continue to call harass and debit a customers checking account. They charge more than 300 percent in interest which is against the law to the consumer regarding a loan. Ally Bank acted like they were going to refund my money did a dispute and no money was received lost over {$2300.00} in unauthorized charged which I called the bank and advised them.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am filing a complaint against NRA Group / National Recovery Agency for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ). The company has repeatedly contacted me via text messages at inconvenient times, without my consent, and has disclosed my personal information via text message without my permission. 

Details of Violations : 1. Unlawful Timing of Contact : The FDCPA prohibits debt collectors from contacting consumers before XXXX XXXX. Despite this, NRA Group has sent me numerous text messages at prohibited hours. Specific examples include : - XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These messages were sent well before the legally allowed time of XXXX XXXX. 

2. Harassment and Excessive Contact The NRA Group has sent me numerous unsolicited text messages without my permission. I have not responded, and I have not consented to text message communications. Despite this, they continue to text me almost daily, causing distress and disruption to my daily life. 

3. Privacy Violation On XX/XX/year>XXXX XXXX XXXX XXXX., NRA Group sent me a text message containing my full name, address associated with me, and account number. This disclosure of personal information via text without my consent violates my privacy right. 

The repeated, unsolicited contact has caused me significant emotional distress, including sleep disruption, anxiety, and frustration. The messages are invasive and have interrupted my ability to rest, causing ongoing stress. Furthermore, the unauthorized disclosure of my personal information through text messages has heightened my concern about data security and privacy. 

Thank you for your assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX with Midland Funding was paid as  agreed with the original creditor XXXX XXXX XXXX but was still sold to Midland Funding without notice to the consumer.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a matter of noncompliance by the credit bureau concerning accounts currently subject to litigation. In accordance with established legal precedents and applicable codes, specifically the doctrine of estoppel by silence as articulated in XXXX v. XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, the absence of evidence or substantiation for the alleged debt permits the presumption that no such debt exists. 

To date, the bureau has neither removed the disputed items from my credit report nor conducted any meaningful investigation to substantiate its position. This lack of action fails to satisfy the obligations imposed by law. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I took out an auto loan with Credit Acceptance Corp. Sadly I had to voluntarily surrender this vehicle because the condition of the vehicle and the necessary repairs far outweighed the value and monies owed on the vehicle. In XX/XX/XXXX the same subprime lender approved me for the purchase of a far superior vehicle. I submitted to the dealership the application as well as any and all requested documentation. All was going well until my sons college requested a tax account summary from the IRS from me. I needed to get this online immediately. In order to do this you needed a car loan or mortgage. I called Credit Acceptance for my account number and was told I didnt have an account for the newest car I had been making payments on. I finally found someone with a brain and she looked up my account by the VIN number. Turns out the second account was opened up with the wrong social security number. So I have the negative account being reported that i owe money after a voluntary surrender but the new loan with over a year of perfect payment does not show up. If you look up the credit reports under the fictitious social security number you will find a rather nice credit score and the positive account listed. I've contacted them constantly. They want me to just blindly fax my social security card to a generic number going to no ones attention. This scares me. They even deny reporting the second account to the credit bureaus under the wrong number. I filed a complaint with the XXXX and received a response from the supposed legal department but the number she gives me to call her is a number where you can not speak to anyone
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to dispute the accounts and information that are listed below with all 3 credit agencies. These accounts do not belong to me and they were open as a result of identity theft : - XXXX  - XXXX XXXX   - XXXX - XXXX  XXXX  - XXXX  XXXX - XXXX XXXX - XXXX XXXX  Incorrect Address Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ADDRESS : XXXX XXXX XXXX XXXX GA XXXX Incorrect Names : XXXX XXXX
Product: Bank account or service

XXXX 2012 closed a Bank of America checking account at XXXX branch. 
Asked that {$500.00} left in account to cover any debts that might still be outstanding. 
Bank associate assured me twice that {$500.00} was left in account. 
Moved to Illinois. Approx two weeks later ( when I had internet connection ) tried to log into account but it was closed and locked. 
Called to check balance and was told " the account 's closed. I cant talk to you. '' Demanded to speak with someone of higher authority and was put on hold two different times and disconnected. 
Tried to call XXXX manager who wouldnt speak to me. 
Wrote letter to manager who sent a form letter to call customer service. 
Finally reached manager who told me it had been referred to collections - they did not leave {$500.00} in the account and it was overdrawn {$250.00}. 
When I said that they wouldnt talk to me, he said it was referred to a collection agency who had called me. 
No collection agency has ever called me. 
I fortunately opened another account with XXXX XXXX before XXXX listed me as a deadbeat. But if I move ( I live in XXXX now ), I can not open an account with any bank. 
I filed a complaint 3 years ago with a federal government agency and Bank of America 's " Executive Complaint? '' called me several times to " resolve. '' On each call, they forwarded me over 6 times. Each time I had to explain the situation and they still wanted to forward me because they " couldnt help me. '' I have contacted XXXX who has told me to contact the bank to resolve. 
Why must I pay the price when banks make an error?
Product: Debt collection

I received a call from the collection agency stating that I owed an amount of XXXX for XXXX XXXX. I told them I didn't owe XXXX that my employer through XXXX  pays them directly. I contacted XXXX and they stated the amount that was owed was XXXX. XXXX then received payments from my employer XX/XX/XXXX of XXXX and XXXX. According the XXXX my balance remaining was XXXX. I corresponded this information with the collection agency and asked that they file a dispute. Shortly thereafter, I received a letter from them stating they investigated and the charges were valid. Not reflecting any payments made and completing disregarding the amount stated by XXXX. Then on XX/XX/XXXX, XXXX sent me a letter stating they spoke with the 3rd party collection agency, and informed them that my account should be removed from collection. I called the collection and informed them of this information. The rep stated they never received this information and not only did they increase the balance they initially stated that I owed through the credit bureau, they now marked me as missing a payment. That affected my credit significantly. I have documents stating that I should be out of collections and they refused to erase this incorrect information and remove themselves from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXXXXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX Balance Owed : {$420.00}, XXXX XXXX XXXX XXXX Balance Owed : {$2400.00}XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance Owed : {$550.00}, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.
Product: Credit card

My spouse used our Chase bank Credit Card to make an online purchase for an XXXX course from the website https : XXXX Unfortunately, at the time of purchase, the website did not clearly state the course 's start date, scheduled for XX/XX/2024, nor did it adequately outline the terms of service during the sign-up process. The website has since been updated to include this information presumably due to this fiasco. 

Upon contacting the company, we were informed that full access to the course would not be granted until XXXX. Initially, they only offered partial access. Given that no goods were exchanged, and we hadn't accepted any services for delayed delivery, we requested the company to cancel our course reservation and refund the amount. 

However, the company made the online cancellation process challenging, insisting we review the entire course to justify our refund request. Consequently, we asked Chase bank to dispute the credit charge under the " merchandise not received '' clause of the Fair Credit Billing Act. The XXXX company 's manager " XXXX '' threatened to report us major credit monitoring agencies. Unfortunately, Chase bank sided with the merchant, refusing to refund our credit card fee, despite us not having access to the course to date.
Product: Money transfer, virtual currency, or money service

Attempted to withdraw funds on XX/XX/XXXX, told that the funds would be available XX/XX/XXXX. Funds have not arrived and request continues to say pending.
Product: Credit card or prepaid card

I have an XXXX mastercard account issued by Synchrony bank. It is linked to an old paypal account that is linked to an old address XXXX. I have been trying to get this linked to my new paypal account XXXX for the last year. Paypal tells me to contact Synchrony and Synchrony tells me to contact paypal. Today XX/XX/2021 I have spent over 2 1/2 hours calling and messaging with both paypal and Synchrony. Synchrony has now indicated that there is no way to unlink them. Despite the fact that I no longer have the email address used for the paypal account. I have spoken with supervisors at both paypal and Synchrony. I am now speaking with XXXX operator ID XXXX at Synchrony who has advised it can not be unlinked and that I can not close the paypal account and that there is no way to access the XXXX mastercard online but for an old paypal account. They have been absolutely unhelpful and unwilling to resolve the issue. This can not be the first time this issue has arisen. I have asked to speak with XXXX 's supervisor and have now been on hold for more than 15 minutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$830.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2200.00} ; XXXX XXXX XXXX : {$990.00} ; XXXX XXXX Balance : {$19000.00} ; XXXX XXXX ( Original XXXX : XXXX XXXX ) XXXX Balance : {$610.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1200.00} ; XXXX  XXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$25.00} ; XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX : {$3000.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

XX/XX/21 im in reciept of a report claiming that i owe huntington acc # XXXX according to the fair debt collection practices i have a right to the allegeddebt validation
Product: Credit reporting or other personal consumer reports

I mailed in a dispute letter on XXXX XXXX XXXX  to delete the bankruptcy information that can not be 100 % verified through the original creditor. In this case the original creditor is the United States Bankruptcy Court District of New Jersey. I have proof and a signed document from the United States Bankruptcy Court District of New Jersey, that's states they never sent nor do any business with any of the Credit Bureaus or XXXX. This is a clear violation of the Fair Credit Reporting Act. Due to the fact all information must be 100 % accurate and reported from the original creditor not a 3rd party.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm in the process of trying to fix my credit. Recently I've seen many inaccuracies on my credit report. I sent letters to all three bureaus XXXX, XXXX, and experian. This process has taken to long. I have not received any response by mail or email. Pleased help me resolve this issue.
Product: Debt collection

I assert that the reported account is invalid. COMENITY CAPITAL/ULTA must verify under oath its validity, ensuring it is free from any claims and defenses, including breach of agreement, failure of consideration, or material alterations. Additionally, COMENITY CAPITAL/ULTA must confirm the original lender-provided value. 
COMENITYCAPITAL/ULTA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I report fraud on my XXXX  credit card ; Investigation was initiated. They cancelled old card, issued new card ; and waived the fraud charges ( see copy of email uploaded ). I have sent two certified letters now to Equifax credit Bureau to correct that information and a third letter being sent tomorrow XX/XX/XXXX but they correct it and then a week or so later they deduct my points referencing the same fraudulent credit card. I have sent them activity summary provided by XXXX ( see uploaded copy ), but again they have not addressed that issue.
Product: Checking or savings account

The bank I use is Chase, I had deposited some money into the account not long before this happen. I had several online purchase done by a person spending money in New York. XXXX individual purchases, close to a {$1000.00}. dollars. I will look for the dates on these. but in XXXX. Then another transaction accured at the same bank branch I usually go to and withdrew {$2500.00} cash. XX/XX/2023 Using my name and pin on a debit card and a license that he created with my name on it.
Product: Credit reporting or other personal consumer reports

Despite my numerous efforts, the issue of fraudulent, inaccurate, and misleading information on my credit report remains unresolved. The presence of these items has severely impacted my life, causing me significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to this information being associated with my name, as I have been a victim of identity theft.
Product: Credit reporting or other personal consumer reports

personal incorrect info XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX XXXX # XXXX XXXX Tx, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Tx XXXX incorrect job info wtw XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Revolving Accounts XXXX XXXX XXXX $ XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX {$710.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX $ XXXX XXXX XXXX $ XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$11000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX $ XX/XX/XXXX XXXX XXXX XXXX XXXX $ XX/XX/XXXX HARD INQUIRES XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Date opened XX/XX/2022 Balance : {$2700.00}. Please delete ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the XXXX Credit Bureaus in an attempt to receive verification of the following items. 


XXXX Account XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have disputed a collection account on my Experian credit report that is not my account. Company has not done proper investigation nor removed this account. The account listed is XXXXXXXX XXXX XXXX XXXX for the amount of {$710.00}. Disputed this XX/XX/year> and still not removed. According to FCRA section 605B, it is illegal to report information on my credit report without my permission. Please remove from my credit report immediately. Thank you.