23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

DCM Services has been harassing me and my family to try to collect on my deceased father 's alleged medical or credit card debt. They refuse to give any information regarding the alleged debt, which leads us to think they are trying to scam us. My dad did not have any estate or collateral at the time of his death. I have called DCM services, notified over the phone, etc. of this fact, and they still insist on trying to get personal information about my family by calling my siblings, relatives, etc. They have been sending me and my family letters, calling at inconvenient times ( like at XXXX  or XXXX ), calling my relatives as well at inconvenient times, threatened other family members of arrest if they do not pay or give the name of the executor ( which there is none as there was no estate ), etc. I have told DCM Services to stop calling, sending letters, etc and they still insist on harassing us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went on training on XX/XX/2018 and returned home in XXXX told the loan company i was in training and cant log on to bay my loan until i get home, my credit score went from a XXXX to a XXXX and they refuse to remove the marks from my account i have email trails
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of credit fraud on XXXX accounts that I did not open. Avant lending, Pentagon Federal and XXXX XXXX XXXX XXXX insurance was applied for in my name and I did not open these accounts. My information was leaked from my email address XXXX. I have sent multiple disputes for each of these accounts. Please delete these accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My current and only address is : XXXX XXXX XXXX, XXXX XXXX, XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX. 

HARD INQUIRIES : THE FOLLOWING HARD INQUIRIES WERE NOT AUTHORIZED *XXXX XXXX  *XXXX XXXX  *XXXX XXXX  *XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Checking or savings account

I be charged extra fees with overdraft fees and it keeps being charged and it doesnt even make sense and i keep calling and trying to fix the issue but nothing happens
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am submitting this complaint to formally notify you that I am a victim of identity theft. My credit report currently contains several fraudulent accounts and inquiries that I did not authorize, and I am seeking your assistance to have these items removed from my credit report immediately. 

To support my claim, I have enclosed the following documentation : My Identity Theft Report filed with the Federal Trade Commission ( FTC ) A copy of my driver 's license and Proof of my current address for identity verification In accordance with the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) and the Fair and Accurate Credit Transactions Act ( FACTA ), I request that the credit reporting agencies block and remove the following fraudulent accounts and inquiries. These items should be removed from my credit file within the required four-day period after receiving this complaint, as mandated under FCRA 605B, 615 ( f ), and 623 ( a ) ( 6 ), as well as FACTA provisions protecting consumers from identity theft : XXXX XXXX XXXX Account Number : XXXX Action Requested : Remove from my credit report XXXX XXXX XXXX Account XXXX XXXX XXXX Action Requested : Remove from my credit report XXXX XXXX XXXX Account Number XXXX XXXX Action Requested : Remove from my credit report XXXX XXXX XXXX Account Number XXXX XXXX Action Requested : Remove from my credit reporXXXX XXXX XXXX XXXX  Account Number : XXXX Action Requested : Remove from my credit report XXXX XXXX XXXX ( Validate Account ) Account Number XXXX XXXX Action Requested : Remove from my credit report XXXX XXXX  ( Validate Account ) Account Number : XXXX Action Requested : Remove from my credit report XXXX XXXX ( Validate Account ) Account Number : XXXX Action Requested XXXX Remove from my credit report XXXX XXXX ( Validate Account ) Account Number : XXXX Action Requested : Remove from my credit report XXXXXXXX XXXX ( Validate Account ) Account Number : XXXX Action Requested : Remove from my credit report XXXX XXXX I am invoking FCRA 611 ( a ) to request a full reinvestigation of these accounts. Any account or inquiry that can not be validated must be promptly deleted from my credit report. Furthermore, in compliance with FACTA, I expect the credit reporting agencies to take all necessary steps to ensure my credit file is updated and free of inaccurate or fraudulent information. 

Once these corrections have been made, I request an updated copy of my credit report be provided to me free of charge, as required under FCRA and FACTA.

I appreciate your prompt attention to this matter and look forward to receiving confirmation of these actions and my updated credit report. 

Thank you for your assistance. 

Kind regards, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received an email from " Bill Department of PayPal '' noting that 3 {$200.00} XXXX XXXXXXXX XXXX had been purchased and were to be delivered to XXXX. At the bottom was the note : " There is evidence that your PayPal account has been accessed unlawfully. '' I could call XXXX ( XXXX ) XXXX for assistance. I did that. It took several tries but I reached someone called " XXXX XXXX '' who was obviously off shore. He wanted me to use bhelps.us on XXXX which would not load. After several tries I was able to download a bank which he promised would allow me to indicate where the {$600.00} could be returned. He instructed me to open an on-line account with the bank. I did not because at that time it was clear that what he wanted me to do was to open that not to return the funds but to get access to the funds. He told me that my ID had been compromised using the name of XXXX XXXX  in XXXX, who by the way is an architect. 

I did not make the purchase and if I had it would have been by credit card and wanted him to cancel the purchase. He became agitated saying I would not get my {$600.00} back unless I opened up my account. We do not use any electronic banking. He said that our early 45 minute call was being recorded for the FBI and the FTC, no I did not believe that. 

When he got to the bank issue I hung up. I contacted XXXX who does daily monitoring of my information. The person I spoke to said that this was not the first he had heard of using PayPal ; others included XXXX and XXXX. I checked with my banks and there were no withdrawals or deposits of the {$600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance :- XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX  XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2900.00}
Product: Debt collection

On XX/XX/XXXX, I paid off two accounts with Comenity. I paid {$300.00} to Sephora and {$250.00} to XXXX XXXX, leaving both with {$0.00} balances. Today XX/XX/XXXX, I received letters from XXXX XXXX XXXX saying I owe them {$240.00} for Sephora and {$230.00} for XXXX XXXX. When I asked how I owe them when the accounts were paid off, they told me it was for fees. They acknowledged they could see I made these payments.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax all have incorrect or incomplete information on my credit reports regarding the only XXXX XXXX Account ( # XXXX ) on my report. I sent them dispute letters in XXXX, XXXX, XXXX, and XXXX, and they have yet to fix the problems with the reporting. They are also reporting inconsistent information across the three of them.
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Bureaus are reporting inaccurate information on XXXX INDIGO/GF. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

XXXX INDIGO/GF XXXX Balance {$0.00}
Product: Debt collection

The XXXX XXXX XXXX of XXXX, Texas states I owe them {$7100.00} for a lease from XX/XX/XXXX. I have never lived there nor have I ever applied for an apartment in XXXX, Texas. I have lived at the same address in XXXX, Texas since XXXX. My driver license, mortgage bill, electric bill, water bill and more can prove this. I tried to dispute this with XXXX and they said it was a valid debt. This is not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I got notices related to an account at XXXX that i didn't create. The situation is affecting my credit score.
Product: Credit reporting, credit repair services, 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. 

XXXX : XXXX, XXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  : XXXX, XXXX : XXXX, XXXX : XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX : XXXX, XXXX : 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 records of convictions 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: Credit reporting or other personal consumer reports

This morning, I noticed unauthorized inquiries on my credit report that I can not explain. I routinely check my report, but these discrepancies were completely unexpected. I even refreshed my browser thinking it might be an error, but the issue persisted. I am requesting an immediate review of the documents I sent to ensure this is resolved and to give me peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am registered .with XXXX XXXX. In the last10 days, I have receive multiple noticesof new inquires on my credit report from Transunion and XXXX. 
I have not consented any financial organization or automotive group to perform a credit inquiry. 
I am concerned someone is attempting to use my SSN.
Product: Payday loan, title loan, or personal loan

XXXX Unethical practices. I was late due to LendingClub pulled from and old account and caused me a {$30.00} fee. Email to for credit of XXXX Was told had to call into to request. Called to ask and declined. Never asked for credit in the past. Have had a few loans and was never late. Said unless paid report 30 late and destroy my credit on LendingClubs late fee! This company is unethical! No one reports on a late fee to the credit bureau until 30 days after late. Not on a late fee LendingClub accessed To top things off they blamed me even though my email Clearly says what account to use. This is the worst company. They dont help consumers at all. I paid {$400.00} that covered the payment. I was force to pay the late fee to avoid a 39 late. The website says they do but it not true! Gets better a friend request from a LendingClub rep. Unprofessional?
Product: Debt collection

I asked if it is possible to set up a payment plan. Instead of answering my question, they sent this message, " Your account is in serious trouble! 
Your Lenme Loan continues to be delinquent. Pursuant to the lender 's rights under its Agreement ( s ) with you. 

We will be handing your papers to the company lawyer and filing this loan to the credit bureau which will result in a negative impact on your credit report. 

With a perfected security interest, Lenme is now permitted to foreclose on and seize all your assets, unless you resolve the outstanding obligation. 
Our preference, of course, would be to work with you to bring the account back to good standing. To prevent any escalated activity, please pay the outstanding balance by clicking the button below. 
We look forward to working with you and getting your account back into good standing. "
Product: Credit reporting or other personal consumer reports

There are fraudulent inquires on my EQUIFAX credit report, Ive attached all documents as well as 609 letter. Ive also filed ftc report as well. Please remove fraudulent inquires below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

We have paid our mortgage payment each month in full. Our next payment is supposed to be due on XXXX XXXX, XXXX. 
We had recently did a recast of our loan ( an incentive offered by the Treasury department for always being current with our XXXX XXXX ) I understand that it might take a few days for your system to be updated, however when I logged in to my ditech account .It is stating I am 78 days behind. There are unapplied funds ( my XXXX, XXXX and XXXX payments ) just sitting there and nobody is updating the system to reflect I am current. The system is saying I owe {$4100.00} ( XXXX payments ) and is due XXXX XXXX, XXXX. This is incorrect as I am current on my mortgage and not even one day late. 

I spoke to loss mitigation and they told me to be patient until my recast is updated, but in the meantime I am getting nasty collection calls even though I am not late. I am requesting that these unapplied funds be released immediately to reflect my status as current. I am also trying to make sure that I am not being reported late to the credit bureaus. 

If you look at my payment history you will see I 've made my payments on time every month. I am constantly getting the run around when I call. My account rep does n't return my calls, and because I am in a late status my phone calls go right to her voicemail. I need someone at ditech to manually go into their system and update my status as current and release my unapplied funds.
Product: Credit reporting or other personal consumer reports

I have over XXXX inquiries from all type of companies they have my name attached to people I dont even know Ive been having a hard time getting verified through the XXXX XXXX and XXXX because I cant even verify
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against EXPERIAN for Repeated Violations of the Fair Credit Reporting Act and Request for Deletion of Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EXPERIANfor retaining inaccurate account information on my credit report despite multiple violations of the Fair Credit Reporting Act ( FCRA ), and to request the deletion of the inaccurate account information and legal action against EXPERIAN Account Information : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, EXPERIAN has repeatedly failed to comply with the FCRA and has retained the inaccurate account information. This ongoing non-compliance with the law has caused me financial harm and distress. 
The violations committed by EXPERIAN include but are not limited to : - Failure to conduct a proper reinvestigation following multiple disputes - Failure to delete inaccurate information as required by Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA - Failure to adhere to 15 U.S. Code 1681i ( 5 ) by retaining inaccurate account information It is worth noting that XXXX has now removed this account from my credit report and has provided me with evidence of its removal. This highlights the lack of accuracy and consistency in the information reported across the three major credit bureaus. If XXXX has acknowledged that the information is incorrect, it is clear that Experian is failing to maintain the accuracy required by the FCRA. 
I formally request that this information and the related account be removed from my Experian credit report immediately, to ensure that the data reflected in my credit history is accurate and consistent with the other agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have business account with XXXX and XXXX after 7 years of being open, they decided to give my business a credit score using my personal credit score. The problem is the personal credit score is WRONG. XXXX knowingly replace my credit report with some made up information. I have one physical copy of my credit report and I also have a copy of the credit report they presented to XXXX which produced a low 500 score. I also have XXXX XXXX XXXX XXXX and they using transunion. After contacting transunion, they decided to dispute all accounts on behalf which was 3 that was giving me a negative score. Including a balance of XXXX that pop up on my credit with XXXX XXXX, that no one knows where it came from. Transunion, says not theirs and they can't even see the balance. 
XXXX XXXX says they didn't do it and don't know why its their. Yet, its still their. I'm finding XXXX has me down for XXXX score. Why, I have no ideal, but I haven't added any other accounts to my credit score. I know I shouldn't be in no 5 or 6 anything. I'm sending my screenshots as proof.
Product: Credit reporting or other personal consumer reports

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed according to 15 USC 1681c-2.
Product: Vehicle loan or lease

I was not aware that this account was opened using my information. I was only made aware when I began trying to repair my credit recently. That is when I had spotted this account, which was only opened for a few months then closed. This account was opened without my knowledge, I have already notified the bureaus and filed a police report.
Product: Consumer Loan

I started having my wages garnished by a law firm for a 5 year old auto loan. The court order for wage garnishments was obtained by the law firm in a county I have NEVER lived in. Additionally the law firm misrepresented the owner of the debt by saying it was owned by XXXX ... It was not until we called Santander to find out it was sold to Cascade Capital, with whom I have never had any correspondence from or notice that the debt was sold to. 

I was never served any notice. I was never given a chance to represent myself in court. Now my paycheck is being garnished ... I have Child support to pay out ... Bills to pay ... I 'm just trying to move on from what happened years ago and this company just started stealing my paycheck. I feel like I 'm never going to recover ... 

I never had a chance to appear in court ... I was blindsided since I was n't served any notice. And I feel like I 'm going to just keep drowning in debt because what happened five years ago continues to ruin my life. They refuse to provide me any of the payment history or account notes. I have no proof of where they are getting the figure for me on ... How can they obtain a judgement for me when I do n't even know how it 's so high? Is it even legal to collect on debts this old? Or am I going to keep being harassed and punished for losing my job so many years ago .... They already repossessed the car 5 years ago ... Why are they coming back for more money again ... Was n't that enough?
Product: Debt collection

I C systems is attempting to collect on a medical debt they erroneously acquired by XXXX XXXX XXXX XXXX NC, LLC but has refused to provide me with any documentation or proof of service. Before it was erroneously sent to collections, a false claim was generated for services which did not take place. The erroneous claim was also sent to my primary insurer, who partially paid for services that were not rendered and were submitted fraudulently. XXXX XXXX was attempting to bill for services that did not take place, successfully billed my primary insurance anyway, and then sold a fraudulent debt to IC Systems. There was no service and therefor no bill could have been generated without committing insurance fraud. This has been an ongoing problem with surprise billing, balance billing and insurance fraud in North Carolina, specifically with XXXX XXXX XXXX XXXX NC, LLC when they provide services through XXXX XXXX facilities. Additionally, XXXX XXXX XXXX, LLC did not contact me before selling this to collections, so I had no opportunity to correct the situation at the time of error on their part. I have requested itemized statements from both IC Systems and XXXX XXXX XXXX XXXX and they have refused to provide them unless I mail a letter requesting it. I have sent two letter to the address provided and both have been returned to sender as undeliverable.
Product: Checking or savings account

My paypal account was put on account limitation during covid. Paypal had no type of human being interaction while my account was on hold, only automated. I called and emailed plenty of times and received no response. Money was sent to me for health care and to pay rent and to pay other bills. It was XXXX and I desperately needed the money and couldn't get it because paypal put my money on hold. I feel it is disgusting for paypal to hold my money during a pandemic with no explanation and when I asked they told me I needed to get a subpoena from the court in order to see why. I went on paypal business pages on social media and many people were complaining about the same exact thing, please look into the issues of others complaining about paypal holding funds illegaly. I've had paypal for 16 years and never had issues with them, I love paypal and now during a pandemic they hold everyones money for no reason and no explanation.