23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX, XXXX XXXX XXXX XXXX  add a derogatory mark on my credit report per XXXX XXXX and Experian and XXXX XXXX. Upon my further research, this account was transferred/ sold from one account to XXXX XXXX XXXX and i as a consumer is no longer by law responsible for this account after it has been transferred. Besides Debtor 's Creditor did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX XXXX did not verify my debt validation, and which shows XXXX XXXX XXXX has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rate for my house. A bill without any form of verification does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( XXXX XXXX XXXX ) has completely violated my rights as a consumer and I'm requesting legal action to remove this account expeditiously. 

Account Name : XXXX XXXX XXXX, Account Name # XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A states i have the right to privacy.

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

15 U.S.C 1681c. ( 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 record of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-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 information is inaccurate.
Product: Debt collection

On XX/XX/XXXX upon doing an online security check, I found a case opened against me by Midland Funding Company, LLC within the XXXX XXXX County, FL jurisdiction. I was not made aware of any debt held against me or properly contacted. XX/XX/XXXX I reached out to Midland to find out who they were, why wasn't I contacted and what was this in regards to? Representative, Ms. XXXX XXXX switched me to the legal department for where this case was escalated to without my knowledge. I spoke with a Mr. XXXX XXXX from their legal department. After I was able to get clarification on the debt in question, I advised that in XXXX, Midland was given permission to to withdraw via ACH  $ XXXX monthly from my account. He told me that I NEVER made a payment. I let him know that the accusation was false and for him to double-check. That is when he was able to verify that the bill was once {$1800.00} and had been paid down to {$1500.00}. However, he couldn't tell me why they stopped drafting payments. I told him that I never authorized them to stop. The agreement was to pay $ XXXX   monthly and it wouldn't be posted on my credit report. In which for quit sometime, back then it was not. They ( Midland ) claimed that I stopped making payments which isn't true. I wasn't paying them manually, they were withdrawing automatically, per my consent. I asked, Mr. XXXX to send me documentation stating that I cancelled any reoccurring payments which would have voided the verbal contractual agreement and also that it wasn't on my part of any mishaps that may have happened within their company. According to the docs provided to the courts they claimed they properly notified me and they did NOT which is also another false claim. When I asked Mr. XXXX for documentation, they wanted me to pay them instead of providing me with proof. I told him in order for me to cooperate, I needed everything in writing for my records ; since, they lied several years ago and now put me in a position that can cost me do to their negligence.
Product: Credit reporting or other personal consumer reports

My personal information was breached in the XXXX data breach. Adverse information was furnished to my consumer XXXX report. Please review the attached items for more details. I expect these fraudulent accounts to be removed in 4 business days according to the FCRA
Product: Debt collection

I received notification on my credit and a letter from XXXX XXXX XXXX XXXX  that I have a XXXX medical debt from 2016. This debt is not true because I have had medical insurance for over 10 years. I requested a validation of the debt twice-once in XX/XX/XXXX and once in XX/XX/XXXX-to this date, they have not sent me anything regarding this debt. They use to call me to try to collect the debt, but after they received both of my request for validation and cease and desist letter they did stop. There are serious issues with this debt,
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX. Balance : - ; XXXX XXXX XXXX XXXX XXXX XXXX {$230.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX i was scammed out of my direct deposit by being promised I was going to receive a large sum of money in order to get out of debt but it was a lie I had sent them XXXX but now I dont out of money and nothing to pay my rent or bills
Product: Credit reporting, credit repair services, or other personal consumer reports

my information was misused and has caused harm to me and my report setting me back in a major way because Equifax agency has not been 100 % I sent along attachments on the violation they are breaking.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the accounts listed below indicate my federally protected consumer right to privacy and confidentiality under 15 USC 1681 have been violated. 

XXXX XXXX XXXX PA Opened XX/XX/XXXX {$340.00} XXXX Opened XX/XX/XXXX {$710.00} 15 U.S.C. 1681 Section 602 A - This states I have the right to privacy 15 U.S.C. 1681 Section 602 A Subsection 2 - Also states a consumer reporting agency can not furnish an account without my written consent. 

15 U.S.C. 1681 Section C Subsection A5 - States no consumer reporting agency may make any consumer report containing any of the following items of information : Any adverse item of information, other then records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 Section S Subsection A1 - States 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 information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX -Prior complaint Transunion advised they removed the addresses off of my credit report. However, when they sent the new credit report they were still on my report. These need to be removed from my report as they are inaccurate. They have been sent prove of address. This is getting ridiculous. 

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

Time has already passed but up until now, I havent heard any kind of response from the XXXXXXXX Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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
Product: Credit card

XXXX, NJ XXXX XX/XX/2017 CapitalOne Credit capitalone.com XXXX Re : Blocked Use of Credit Card Dear Sirs, I was embarrassed twice in past three days when card was denied at XXXX and at XXXX. Checked balance before I left house and had {$110.00} available. Charges were {$81.00} and {$71.00} respectively at those XXXX locations. 
WHY are you blocking use of my card? I want hear from you reasons and when it will be ok to use. Last time spoke to customer service representative, told him card was ok and was NOT to be blocked. Only needed refund of charges from company I complained about. 
If he went ahead and blocked it, he did wrong!! Without my approval and authorization. 

Thank You. 
XXXX Called XXXX @ XXXX and got XXXX, who hung up on me in middle of conversation. Called back and got XXXX. Told her to get me Supervisor. He was unable to help me either. System was down and was n't expected back for several hours. PLUS, he said they were unable to call out or email out or txt out from his office. Told him that was ludicrous. Also said if I called back and could not get satisfactory explanation why card declined at XXXX and XXXX visits would forward complaint to BBB, FTC, NJ Attorney General Office and any one else I thought could tweak CapiatlOne. 
CapitalOne did not send me email, txt or call me explaining reason for blocking my charges at these stores. I have been getting my usual monthly txts with amount of balance on account and have not gotten any others for several months. Upset with CapitalOne and expect some explanations. Guess you will have to send me a letter in response to this letter since customer service cant do any outgoing contacts. 
. 
XX/XX/2017 XXXX Calling back today. Spoke to XXXX. 
My account was blocked. Whomever did it should be reprimanded. I DID NOT ask for that. The last time I spoke to Customer Service was about 5-6 weeks ago and I emphatically told that gentleman NOT TO BLOCK MY ACCOUNT OR CARD. I knew who used my card and was only requesting that charge be reversed. There was NO FRAUD involved. If he did what I asked them things would be ok. He kept pushing me to block and cancel the card. I did not appreciate that and told him so. Leave things just as they were and ONLY reverse the charge I complained about. 
You should be able to track that call and who I spoke to. Calls are recorded, right? 

Sending this out XX/XX/2017 XXXX. Took extra time to think on it and still want to complain andmake sure senior management is aware of what happened. Also, they need to fix my not being able to send letters to web site and allow supervisors to call out to customers. 

Thank You. 
XXXX Cc. : BBB FTC NJ Attotnry General, Dept of Consumer Affairs
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX # XXXX is paid in full an out dated
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX Last Payment XX/XX/year> Old debts should be XXXX from my credit report after theyve reached their legal expiration, in the state of Hawaii the statute of limitations is 6 years.
Product: Checking or savings account

I deposited 2 checks today from businesses I regularly do business with and checks are never given a hold on them and they never bounce. For some unknown reason BOA decides to hold them for 11 yes ELEVEN days. One check is local and one is from Illinois. Both checks are from finance companies. There is absolutely no reason to put a hold on these checks. One check was fore XXXX and the other was for XXXX. I called BOA and sat on hold for so long I had to gang up. I then emailed the following people at XXXX am CT : XXXX XXXX XXXX, XXXX, XXXX no one has responded. My email '' Good Day, I deposited checks from my clients today and for some reason BOA is putting a hold on them. These are the same clients I have deposited checks from for the past 2 years. I have checks coming through that I wrote to the IRS for tax payment. They will bounce if this hold is on. 

Please review and lift the hold. I tried calling but sat on hold and figure they won't do as I ask anyway, have no time for that. 

Thank you, XXXX XXXX
Product: Checking or savings account

Was fraudulently charged to card ending in XXXX for purchase from XXXX on XX/XX/year> XXXX. I had called on phone and spoke with representative who said he would look into it but he never did.
Product: Mortgage

I have had millions of dollars stollen from my identity. XXXX houses in the U.S.A. and all with close spelled names. I think even a car loan too.
Product: Bank account or service

I was an American Express Serve customer and had fraud on my account. instead of returning my money SSI check they, close my account.
Product: Debt collection

FMA Alliance continues to call me for a debt for someone else. I told them I am not the person they are looking for but called again. I told them the second time not to call me. 20 minutes later they called again and hung up. I called them back and asked to not be contacted again and they hung up on me. They have called me 5 times in 3 weeks.
Product: Consumer Loan

A few years ago I purchased a 2008 XXXX XXXX from XXXX XXXX in XXXX, Illinois. The finance department obtained a loan from Ally Financial for the amount of XXXX after tax title and license. When I attempted to trade the vehicle into a different dealer I was told that because of the title issue prior to my purchase the vehicle was worth XXXX. When I complained to Ally Financial asking how could the insufficient vehicle as collateral for the loan. They stated that LTV was negative yet they authorized the purchase price therefore I would have to pay the debt over a 6 year period which would cost me {$44000.00}. I requested a refinance and they stated that I would have to pay the inflated amount for 3 years before a discussion could be pursued. XXXX XXXX misrepresented the LTV and Ally Financial paid them versus doing sue diligence and me as the consumer is left holding the responsibility,
Product: Credit reporting or other personal consumer reports

.According to the FCRA XXXX I have the right to dispute any information on my credit report that I believe is inaccurate. I will not stand for any misinformation being associated with my name and financial history. If there is something on my credit report that doesnt seem right, I will take action to get it removed. I request that you investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct.I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I just checked my credit report, and this account XXXX XXXX with the number XXXX is showing the wrong rating of CollectionOrChargeOff. You said it was opened on XXXX and had a last activity date of XXXX, but I know thats not true. Please delete this account from my report! You also said you last verified it on XXXX. According to 15 U.S.C. 1681s-2, I have a right to see the info you used to verify this. Can you send that over? And Id like to see proof that I owe {$1500.00}, because I dont owe it. 
Just so you know, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ) says if you cant verify something, it has to be removed. I look forward to you fixing this!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple fraudulent accounts and inquiries on my credit report resulting from identity theft. I am requesting that you block and delete these accounts and inquiries as permitted under XXXX XXXX XXXX ( a ) and FCRA XXXX ( b ). Below is a list of the fraudulent accounts and inquiries that I am disputing : XXXX. XXXX - Account XXXX : XXXX - Opened : XX/XX/XXXX - Balance : {$1500.00} XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$1100.00} XXXX. XXXX XXXX - Account Number : XXXX XXXX Opened : XX/XX/XXXX - Balance : {$180.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$1300.00} XXXX. XXXX - Account XXXX : XXXX - Opened : XX/XX/XXXX - Balance : {$5700.00} XXXX. XXXX - Account XXXX : XXXX - Opened : XX/XX/XXXX - Balance : {$2600.00} XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$7000.00} XXXXXXXX XXXX XXXX XXXXXXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$2300.00} XXXX. XXXXXXXX XXXX  - Account XXXX : XXXX - Opened : XX/XX/XXXX - Balance : {$3700.00} XXXX. XXXX XXXX XXXX XXXX  - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$2800.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Opened : XX/XX/XXXX - Balance : {$1900.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Opened : XX/XX/XXXX - Balance : {$1400.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$1500.00} XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$1300.00} XXXX. XXXX XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$1300.00} XXXXXXXX XXXX XXXX XXXXXXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$1100.00} XXXXXXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} Fraudulent Inquiry : XXXX XXXX - Date of Inquiry : XX/XX/XXXX
Product: Consumer Loan

Long story I had a loan with One Main Financial. When I got behind they offered me an adjustment of terms. The AOT that I signed had a lowered interest rate 6 % down from 33 % and a payment of {$160.00} down from around {$310.00}. What they did not do was put on the form or tell me that the length of my loan would be extended to 79 months from 60 months. After I made the initial payment and was making a XXXX payment the Rep on the phone accidentally mentioned that my loan was extended. I told them I did n't agree to that and asked them to send me something in writing saying that my loan was extended. They have refused. I explained to them that according to THEIR AOT " Except as specifically amended by this Agreement, all other terms of the original obligation will remain in effect. '' I also explained to them that I was under the impression that it was like student loan forgiveness and I would have never agreed to the months being extended that long. They have predatory lending practices. I still ( 4 months later ) have n't been able to get in writing that my loan was extended to 79 months. They tell me refer to my " original contract ''. I keep telling them that 's the problem, the original contract says 60 months. They refuse to give me any kind of documentation. Furthermore they claim they have a phone call with me agreeing to the 79 month term and they have already reviewed it. Every time I try to speak to someone who 's listened to this phone call or try to talk to someone who can discuss this with me they threaten to put this on my credit. No one wants to help me get to the bottom of this they only want me to send payments. I 've talk to nearly every supervisor or manager in the company to no avail. Not only can I not get the agreement in writing but I ca n't get any one to discuss the so called phone call that they have.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of five inquiries that I did not authorize. They are as follows. 

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Notified debt collector about verification of debt. What was sent back does not verify that  XXXX   XXXX   XXXX  owes the debt. It does verify someone by that name does owe it. The verification also does not allow for the satisfaction of the Fair Debt Collection Practices Act. The debt collector also reported this to my credit report.
Product: Credit reporting or other personal consumer reports

Despite my repeated attempts to address this issue, the fraudulent items remain unresolved. The persistence of these unauthorized transactions on my credit file is a serious concern that has yet to be adequately addressed. The presence of these fraudulent items is not only compromising my financial security but also significantly affecting my creditworthiness. The lack of resolution after multiple attempts to rectify this situation is unacceptable and has caused me considerable stress, inconvenience, and potential financial harm. To support my claim, I have attached all relevant documentation once again, including detailed statements highlighting the fraudulent items and any additional information that could aid in the investigation. I expect prompt updates on the progress and actions being taken until this issue is fully resolved. With this, I am asking for your assistance to or remove the fraudulent items : XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance : {$5200.00} XXXX XXXX Balance : {$210.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX  XXXX XXXX : {$5200.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3900.00}.