23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

For 2 years I have disputed the contract there is no signed contract with XXXX, LVNV or resurgent. Credit bureaus had removed LVNV they keep putting back on they are 3rd party who purchased the accounts from original creditors also I D theft a report had been filed years ago before they purchased. I do not owe. I had above XXXX credit score they keep ruining I did not sign a contract with LVNV, XXXX, XXXX XXXX, XXXX for these debts. 
{$950.00} {$970.00} Approx amounts Lvnv is 3rd party I want them off my credit reports {$130.00}
Product: Credit reporting

Account was paid and closed, but remains on my Experian credit report. The items are being reported negatively, they should not remain, and continues to damage my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had tried opening an account with XXXX XXXX XXXX at the beginning of the 2021 year, but was denied because ChexSystems. I had a previous opened account with XXXX XXXX XXXXXXXX and my account was closed immediately, in suspicion of fraud that was not presented by me. I had reached out to XXXX XXXX  XXXX at the time to recover this however they were not willing to help me out whatsoever. I am a victim of fraud but can not gain any help. I called Chexsystems and I gave my personal information and at the very end of the long call I was told I should receive my personal report. But after more than 3 months, I have not received anything at all. I then go to the ChexSystems official site and I fill out the form to request my report, I've done this various of times, and like usual I am directed to a page saying, Error : A security quiz based on the information you provided could not be generated. Please contact ChexSystems to submit your request using another method, '' after submitting my report more than once on different days. This is very unsettling as I have tried requesting my report several times.
Product: Debt collection

XXXX XXXX XXXX is reporting that I owe {$3500.00} to Citibank. I called Citibank, who I never had an account with and tried to find out what was going on. Citibank checked their system using my SSN and verified that I have never had any accounts or credit cards with them, and that I don't owe them anything. Citibank said that they can not send me anything proving this information because I do not have an account with them. I tried writing a letter to Citibank as they requested, and there telling me that the letters have not been received. I called XXXX to figure out what I needed to do, and they told me to contact you. Please Help.
Product: Credit reporting or other personal consumer reports

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which it prohibits. They furnished his account that we didn't agree upon and i didn't sing an agreement on. A legal contract is signed by two parties and i did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. according to the FDCPA I'm entitled to XXXX XXXX per violation and clearly they violated my rights.
Product: Credit reporting or other personal consumer reports

I have tried calling and doing everything i can to get these fraudulent inquiries off of my credit report they said they have reviewed it but they have not removed it! below I am putting a list of fraudulent inquiries that equifax will not remove off of my credit report which is directly against the fair credit reporting act. 

XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Above is a list of fraudulent inquiries that equifax hasnt removed off my report after i have repeatedly explained they are fraudulent and that they are going against they Fair Credit Reporting act and i need someone to help me hold them accountable
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in to be removed. 

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

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

XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

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

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

Delete the late payments from my consumer reports
Product: Debt collection

Happened XX/XX/XXXX at XXXX and lasted for 28 minutes. Company name is XXXX XXXX They have my name as XXXX XXXX. 
I was called today with a message that I needed to call a number back because a civil claim was filed against me. I was at work but called the number right away. A woman answered and stated they have a claim against me for a debt I owe in the amount of {$2900.00} from Capital One. I asked her what the debt was. She proceeds to tell me. I asked her when the last activity on this account was and she tells me XX/XX/XXXX but was sent to collections in XXXX. I tell her you are past the statue of limitations on this and Im not paying. She tells me statue of limitations starts when the account gets turned over to collections. I told her she was wrong. I asked her to please send me something in writing for this account. She states they already did and tells me my address. I stated I did not receive it and please send another. She states she can not do this. The file is being sent for legal action and there is nothing they can do about it. If its not settled today they will garnish 25 % of my wages and my bank account. I tell her that I will call her back because I would like to call my attorney about this and find out about the statue of limitations. She tells me that if I hang up the phone they will proceed with legal actions. I then asked her why this is not on my credit report since Ive been checking it regularly and working on improving my credit. She gives me some song and dance about it transferring collection agencies. I tell her Im not paying anything on this today without verification of the account and without speaking to an attorney. She then transfers me to someone else saying they might have other options for me. A man gets on the phone and pretty much tells me the same thing. He then goes over my options for payment which included a one time payment, a 2,4,6, and 8 month plan. I tell him Im not paying it. Not without talking to someone and verification. I told him I would call back tomorrow after I did research. He states the debt is attached to my name, date of birth, and ssn number and legal action will go through I said fine go ahead and I will just show up for my court date and appeal this. He tells me that they dont need to have a court proceeding and a judge has already signed off on it. This is when I knew it was a complete scam. I told him fine go ahead and proceed with it. He hung up.
Product: Debt collection

GC services was contacted by my local court cause I owe the court money for fines I don't have {$5000.00} dollars to just pay all at once The court however does take my tax refund
Product: Credit reporting, credit repair services, or other personal consumer reports

reporting false information too my credit report of missed payment and account is not my account. want it removed it harming my credit score. And i gave no permission too report this false account too my consummer report
Product: Credit reporting or other personal consumer reports

Mercedes Benz Financial did not notate this account as disputed on my credit report from my previous dispute. Their failure to do so has misled other creditors about the dispute status of this account causing me to lose on potential offers.
Product: Debt collection

The Original creditor XXXX XXXXXXXX XXXX XXXX sold this debt to XXXX XXXX and then they sold the dept to Portfolio Recovery Associates llc. XX/XX/2023 the debt was paid through court in a Demand by XXXX XXXX XXXX attorney at law to XXXX in the amount of {$5000.00} the full amount paid. 
Portfolio Recovery Associates is currently refusing to accept the debt has been paid in full for over a year now and continues to slander my credit. I have made several attempts to provide proof that this debt is paid. I have for a year now attempted to communicate this issue with Portfolio Recovery LLC with no success. I have provided the court case number as well as the attorney 's office who handled the debt. Portfolio Recovery continues to attempt to collect a debt that is paid in full. As a result, I have been denied credit, housing and have had a lower credit score which is preventing me from achieving success in my career and life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report every day and I checked my report on XX/XX/XXXX to find out capital one and XXXX XXXX  has added XXXX inquires illegally to my credit profile from XXXX of this year that wasn't showing at all until XX/XX/XXXX these inquiries are fraudulent and are not mine I have not applied for capital one or XXXX XXXX and am not currently a cardholder with these companies these inquiries should be removed immediately ... also the address they provided they say the application was made with of XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX and phone number ( XXXX ) XXXX isn't my address I have never lived or resided at that address at all
Product: Credit card or prepaid card

On XXXX XXXX I received a profile update confirmation e-mail. It stated that my security profile information had been updated and that if I had not made these changes to contact Bank of America customer service immediately. I immediately contacted BOA customer service and spoke with a customer service rep who verified all of my security info and assured me that everything was ok and secure and that there were no problems with my account. That same evening a fraudulent transfer in the amount of {$7000.00} was made from my account! On XX/XX/2021 another fraudulent transfer was made in the amount of {$3800.00} which completely drained the account! I was not regularly monitoring the account balance and was not aware of the problem until XX/XX/2021 when I attempted to use the card and it was declined. Upon returning home I attempted to log into my account and could not, reason given was invalid security information. I immediately contacted BOA customer service who made me aware of the ACH funds transfers that had been made from my acct. I assured them that I had not made these transfers and that I could not log into my acct and it was verified that my account had been hacked and my security info had in fact been changed. I spent 4 hours on the phone with BOA that evening speaking to customer service reps, customer protection reps, cyber security reps, fraud investigators and claims representatives. I was told that the investigation may take up to 45 business days and that they would be in contact. My understanding is that the funds should have been returned after 10 business days. On XX/XX/2021 I contacted BOA to ask the status of my funds and after getting the run around from customer service and claims reps I ask to speak to a XXXXXXXX who told me she could find no record of my claim. After another 2 hours on the phone another claim was supposedly filed and I was told the funds would be returned to my account within 10 business days. On XX/XX/2021 I again contacted BOA and spoke to another claims XXXX about the status of my funds, she found the notes of the previous supervisor which said a claim was submitted but there was no record of it ever being processed and she could not give a claim number. She filed another claim and assured me the funds would be returned to my acct by XX/XX/2021. Later on XX/XX/2021 {$3800.00} was returned to my acct. I waited till XXXX, XXXX and the remaining {$7000.00} had not been returned so I called BOA again and spoke to another XXXX who could find no record of a claim for the remaining funds and filed another claim for the {$7000.00}. It is now XX/XX/2021 and I have spoken to yet another claims XXXX who says there is a claim filed but can't tell me when or even if my remaining funds will be returned to me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( XXXX ) you are required to remove any account which was opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 

XXXX Collections : US DEPT ED Balance : {$10000.00} US DEPT ED Balance : {$4200.00} US DEPT ED Balance : {$4100.00} US DEPT ED Balance : {$5100.00} US DEPT ED Balance : {$9900.00} US DEPT ED Balance : {$8900.00} US DEPT ED Balance : {$4000.00} US DEPT ED Balance : {$1600.00} US DEPT ED Balance : {$4100.00} US DEPT ED Balance : {$10000.00} US DEPT ED Balance : {$5200.00} US DEPT ED Balance : {$7100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Balance : {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$900.00} InXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED Balance : {$10000.00} US DEPT ED Balance : {$4200.00} US DEPT ED Balance : {$4100.00} US DEPT ED Balance : {$5100.00} US DEPT ED Balance : {$9900.00} US DEPT ED Balance : {$8900.00} US DEPT ED Balance : {$4000.00} US DEPT ED Balance : {$1600.00} US DEPT ED Balance : {$4100.00} US DEPT ED Balance : {$10000.00} US DEPT ED Balance : {$5200.00} US DEPT ED Balance : {$7100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4300.00} XXXX Balance : {$1100.00} XXXX Balance : {$710.00} XXXX Balance : {$9100.00} Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN XXXX : XXXX XXXX XXXX XXXX XXXX {$10000.00} US DEPT ED Balance : {$4200.00} US DEPT ED Balance : {$4100.00} US DEPT ED Balance : {$5100.00} US DEPT ED Balance : {$9900.00} US DEPT ED Balance : {$8900.00} US DEPT ED Balance : {$4000.00} US DEPT ED Balance : {$1600.00} US DEPT ED Balance : {$4100.00} US DEPT ED Balance : {$10000.00} US DEPT ED Balance : {$5200.00} US DEPT ED Balance : {$7100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} PXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I seldom use phone to contact them, but the few time I did, the agents were not that friendly. Very curt and were not open to explanation or clarification. I did speak with someone a month ago who was a little better. I am very tired of the inaccuracies in how they deal with the PSLF process. I also do not feel that I have been given the total information about process when I spoke with agents. My Employer Certification form has been submitted several times and the dates have been changed to make it more difficult for me. I feel like I am sending documents all the time. They change the dates and I feel that there is error in processing, and change in dates are a problem. I just sent them an email and I have not received a response as yet. I feel that they are giving incorrect information and I am sending in UN-necessary documents due to their error in processing. Sometimes they respond to my email in a timely manner, but not all the time. I prefer to send email as I have everything in writing. I just sent a frustrated email to them XX/XX/18.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 5 inquiries on my credit report that I m not familiar with, From 1. XXXX/XXXX 2. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX These credit inquires are on my report and I have no idea where they came from, They are fraudulent and would like to have them removed immediately.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I sold XXXX XXXX coin on Coinbase for XXXX in USDC which is a virtual currency equal to 1 US dollar. 

Later that day when I went to move some of that money around, Coinbase gave me a notice that my account was suspended and I could not withdraw or add funds. 

For 24 hrs there customer support has been awful and completely arbitrary and I still do not have access to my funds. 

Coinbase is violating there own terms of service for some reason.
Product: Checking or savings account

Money was taken out of my account by a company who had continuously told me I was paid. I had a stop payment on them already because they kept charging my account different amounts already. The bank overturned it without my knowledge or permission. The company was XXXX  XXXX on XX/XX/year> the amount of XXXX was withdrawn from my account putting me in a over draft of XXXX. I paid them on the XXXX of XXXX. Wells Fargo is my bank. The bank did lodge a complaint but the money wasn't given back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Reported a late payment for my mortgage back in XXXX XXXX. This account has never been late and they have refused to correct the error. I 've been very patient with this matter but i 'm tired of them ignoring to fix the problem and it has affected my credit score in a negative way.
Product: Money transfer, virtual currency, or money service

I had an account with Paypal and was using it to handle some online transactions involving our website. I had a balance of {$920.00} USD in my account and suddenly one day my account funds were frozen. Around late XXXX, Paypal claimed that I violated their Acceptable User Policy and as a penalty froze my money for which they said would be for 180 days. On XX/XX/XXXX Paypal completely withdrew all of my funds and kept it for themselves. The Paypal transaction ID is XXXX I tried to contact them multiple times over the next couple years to recovery my funds but rather than let me explain that there was no violation of any Acceptable User Policy, they refused to hear my situation and kept rejecting my requests for the account funds to be rightfully returned to me. 

They claimed that I sold adult content using their platform. However, what I sold was just online VIP membership upgrades via the chat software we use on various websites throughout the internet. There was absolutely no adult content being sold. 

I tried to explain this through multiple channels and reached out to various departments but the rejected me each and everytime.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached XXXX FTC report with accounts and inquiries I did not authorize and they need to be deleted as they are affecting my life
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, has violated my rights. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


15 U.S.C 1681 section 602 A. states I have the right to privacy.

15U.S.C1681 section 604 A, section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records or convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the intentions are inaccurate.
Product: Credit card or prepaid card

I did a {$2500.00} transaction with my PayPal credit card in XX/XX/2021. I selected to send money to a merchant using my XXXX credit which has a 6 months no interest program added to it. PayPal credit charged me a fee of {$72.00} to send the funds to the merchant. PayPal credit also decided to change the code of the transaction to a cash advance ( which according to their employees I spoke today does not exist under PayPal credit ). They never disclosed any of this information to me until I contacted them today XX/XX/2021 when I noticed they removed the deferred interest and falsely coded my transaction so they could collect hundreds of dollars in interest without me being notified. The young lady I spoke to said she submitted a request for the code to be changed to the 6 months deferred interest but that could take 2 to 3 billing cycles which means PayPal would be collecting interest monthly until they decide to change the code to what it should have been originally. PayPal credit is not transparent and they are collecting interest fees from consumers by using duplicitous practices. Please I would like PayPal to stop cheating the consumers and I need them to apply the correct code to this transaction immediately and not charged me any additional interest until after the 6 months period which is what I agreed to with them. It is unfair to change the rules after the consumer has already been charged and it is deceptive to not notify the consumer of changes done to terms of a promotion they were promised.