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

XXXX XXXX is being reported on my Experian, XXXX, and XXXX credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.
Product: Debt collection

This has been an incredibly frustrating and distressing experience. I have discovered an unauthorized debt on my credit report, XXXX that I have no connection to. Since then, I have been subjected to repeated harassment, including aggressive collection tactics and threats of legal action. I will not stand by while my consumer rights are blatantly ignored. This situation has affected my mental well-being.
Product: Debt collection

AMERICAN COLLECTIONSXXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX # XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify AMERICAN COLLECTION ACC # XXXX XXXX XXXX XXXX XXXX $ - XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : AMERICAN COLLECTION or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX, XXXXSSN : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Checking or savings account

On the XXXX of XXXX, we noticed a few charges under my name that we did not recognize. Two for XXXX XXXX XXXX XXXX ( one being {$38.00} and another at {$83.00} ) Another charge was for XXXX for {$160.00}. I received a replacement card within a couple of days. Today, XXXX, I noticed they started reversing the charges and found a document that stated that they determined there was no fraud. There were no details, but it did say that we could request the information they used to determine the outcome. I called USAA, and kept getting talked over til I gave up, and my wife tried to get a hold of someone else. They had no documents nor information to provide on why they determined that outcome. They told us they had no idea why it was closed and stated there was nothing they could do. The two XXXX charges were from an ATM at a XXXX, and I have never used an ATM there. I barely ever use an ATM. They even told us that we needed to go to the locations of these places and investigate ourselves and get footage of who did it. I'm not sure why they call what they do an investigation if they're delegating the job to us, and not doing what they're required to do. I'm not a police officer, and companies have no obligation to provide me with XXXX camera footage. Why am I suddenly playing detective?
Product: Payday loan, title loan, personal loan, or advance loan

I explained to this company that I never received the money for an auto repair. They sent the money to the XXXX and the company never fixed my car. They said they did but they lied to me. I stopped paying them they charged off my account on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint in response to the Credit Bureaus ' recent investigation. I do not agree with the Credit Bureaus ' findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting these information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular items in question : XXXX XXXX XXXX  Opened XXXXXXXX XXXX XXXX XXXXXXXX : {$250.00} - I demand immediate confirmation of the payment history and status of this account. Your records are not consistent with my own and I believe that the information being reported is inaccurate. I have always made my payments on time and have not been late on this account. I demand a thorough investigation and prompt correction of any errors to ensure legal and lawful accuracy. 
XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/2019 Balance {$0.00} - This account has been paid and yet the current status is showing derogatory information that is unnecessary and damaging to my credit report, which is in violation of the Fair Credit Billing Act, 15 USC 1601, which serves to protect the consumers from unfair credit billing and credit card practices. This account should not be showing the current status of 30 and 60 days late since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. I need this erroneous account removed from my Credit file without delay.
Product: Debt collection

I received a letter from Phoenix Financial Services on XXXX XX/XX/2023 regarding a {$250.00} medical bill bought from XXXX XXXX XXXX. The letter gave the option of sending in their attachment disputing the debt and to have them forward proof this was my debt. I mailed this back on XXXX XX/XX/2023. Phoenix Financial Services failed to forward the proper documentation to prove this was my debt ( I still have not received as of XXXX XX/XX/2023. This is now a collection on my XXXX credit report. As of XXXX XX/XX/2023, my XXXX score for XXXX was XXXX. As of XXXX XX/XX/2023, it is now XXXX taking a significant XXXX XXXX  decrease. The real legal issue is with XXXX. Any outstanding OR paid medical debt of {$500.00} dollars shouldn't be a collection account on XXXX, XXXX, nor XXXX. This collection account needs to be removed immediately. Phoenix Financial Services isn't following Federal law and XXXX should NEVER have placed a medical collection for {$250.00} on my credit report. I'm not requesting this to be removed. I'm demanding it.
Product: Checking or savings account

I recently sold a vehicle to a company and was issued a check for {$400.00} on XX/XX/XXXX. I deposited that check and Chase placed my account on hold. I have been contacting check since that date and it is now XX/XX/XXXX regarding this issue. They refuse to call the number of the company to verify the check due to it not being verifiable in their system. I had the lady who writes the checks call to give them the information needed and the refused to give her any information and told her Its between her and the bank. The last phone call I had with a representative I was told my account is in the process of being closed and even when the check is verified, my account will still be closed. Ive received so much conflicting information and my account is now restricted, direct deposit from my job will now process late and can not pay any bills coming up.
Product: Money transfers

I transferred funds from my TD Bank in the U.S to my T.D XXXX Trust bank account on XXXX XXXX, 2016. I had done this type of transfers many times before with out an issue. The transfer on XXXX XXXX, 2016 did not show up in my account in XXXX and 10 days later I received funds back in my T.D Bank in US but I sent {$4000.00} USD and I received back {$3900.00} USD. Even though, I was explicitly told by the bank that there is no fee to transfer funds between TD USA and TD XXXX accounts. I called TD Bank and USA and they told me it is XXXX side that charged the fee and XXXX Side is not aware of the fee charged. They have charged me {$42.00} USD for some fee that is no where on any statements anywhere.
Product: Credit card

Issues regarding Citibank credit card and autopay as they continue to withdraw money every month out of my checking account to an unknown account they can not locate. Initially they told me I can not remove my name from account as an authorized user and Since I was an authorized user, they are unable to assist me in finding or removing this auto pay. Money continues to come out of my checking to date. I am going to have to close my long standing checking account to fix this mess of unauthorized charges
Product: Vehicle loan or lease

This issue started on XX/XX/2019 when I first made an attempt to contact Toyota Financial Services ( TFS ). I grew to understand that Toyota Financial Services is a federally chartered bank and that they handle most of their own legal issues. I am trying to inform them about a issue with one of their loans that I am currently involved in. The vehicle that I am financing is reported as Frame Damage. The used vehicle disclosure wasn't presented to me as structural damaged at the time of purchase. I told TFS about the calls that I've made to the Federal Trade Commission and the Attorney General. They transferred me to the XXXX department because I mentioned it was purchased at a XXXX dealership. Who told me they couldn't do anything about the issue and that I should contact Toyota Financial for the matter. I grew frustrated at this time because instead of  connecting me to the correct department I was bounced around due to key words which they are using any reason to transfer to issue to someone else. 
Fast Forwarding to XX/XX/2019 I called again trying to result this matter. I asked to speak to a supervisor seeing that I wasn't able to get anywhere the day before. A supervisor came onto the phone and now I am repeating my complaint for the 4th time after being on hold and then hung up on previously. The supervisor to connect me to the Toyota Headquarters. I spoke to someone in the Customer Experience Center which then I was told again that I need to contact Toyota Financial Services because the Experience Center is unable to help or find any documents involving my contract. I am simply requesting someone to handle this breach of contact and speak to someone about the next steps. It is highly unfair to be treated this way. I currently am financing a vehicle which is deemed : unsafe to drive '' with a balance over 60,000. 

I would like to exercise my " Right to refuse a contact '' their contract has been breached due to selling a frame damaged vehicle unsafe to drive noted by XXXX XXXX of XXXX XXXX, CT after doing routing service. The original dealership XXXX XXXX XXXX in XXXX, New Jersey should be penalized for negligence forcing their hand at vehicle buyback and closing the loan.
Product: Debt collection

I recently reviewed my consumer credit reports and noticed an account from Security Collections that I didn't recognize. On XX/XX/2021 I sent Security Collections a debt validation letter pursuant to 15 USC 1692g. I requested that they provide me with the requested information within 30 days. I have proof that the debt validation letter was delivered on XX/XX/2021. It has been over 30 days and I have not received any information validating this alleged account. Since I have not received this information I am demanding that Security Collections immediately zeroes this alleged account out and deletes this alleged account from all consumer credit reports.
Product: Debt collection

I paid a credit card Full Amount back in XX/XX/2023 to FNBO and they apparently lost or misplaced payment My bank investigated and found check was sent and gave me file numbers showing payment was sent. 
FNBO claims they never received it but refuse to investigate, wanting me to do the investigation, I bank by mail and my bank verified payment was sent. FNBO has been harassing me every day six ( 6 ) days a week morning and evenings.

I don't feel they have the right to harass me as they are doing and they need to perform investigation as to where that check went.

They keep adding interest charges and it's getting out of hand.
Product: Credit card or prepaid card

I contacted XXXX customer service line to get help on activating my new card. I called them three times and all three times when I was finally transferred to an agent, the line would go silent. I said hello multiples times in each call and received no response. If I dont have the capacity to activate my card and then Im unable to receive help from customer service to help me with my concerns or issues, then this is not a reputable business. The services from this company should not be offered to consumers who are seeking use tools to manage their finances.
Product: Debt collection

This credit card debt was discharged in a XXXX  XXXX Bankruptcy and was successfully discharged in that Bankruptcy. I used an attorney at the time to handle everything, and we confirmed at the time everything was included and discharged, and that nothing was forgotten. This was a major debt of the bankruptcy, so obviously it was included. You can tell by the AGE/DATE of the debt, and the DATE of the XXXX  XXXX Bankruptcy filing that it was OBVIOUSLY included in the Bankruptcy, but they keep fighting for it telling the Credit Bureaus that it is a valid debt when it isn't. It was part of the driving force to achieve this debt relief when the decision was made to file the bankruptcy. DATES DON'T LIE.
Product: Debt collection

ACCOUNT NAME XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  XXXX ) Account # : XXXX ACCOUNT NAME XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account # XXXX 15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Product: Money transfer, virtual currency, or money service

Someone was able to hack into my PayPal account, add their debit and bank account information, and then begin transferring money from my checking account to my PayPal account and then into their bank account. I filed a complaint with PayPal and am being told a minimum of 45 days before I will hear anything. Several Transactions ( totaling an excess of {$700.00} ) are pending. When I contacted my bank ( XXXX ) I was told there was nothing they could do to stop the transactions from processing. Between XXXX and PayPal, I am being given the runaround, which means these transactions will go through, my checking account will go negative, and XXXX will then charge me additional fees on top of my losing money. I have attempted to be proactive in resolving this issue and neither XXXX nor PayPal are cooperating. I do NOT think it is right that because PayPal has a lack of security, I lose over {$1500.00} in less than 2 weeks. Where is the accountability?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a account with XXXX, this account reflects several inaccuracies that are reporting on my credit files with XXXX XXXX, Experian, and XXXX. The inaccuracies are highly noticed when reviewing my credit. This reporting is effecting my credit as, it is keeping me from obtaining a better credit status. 

I was contacted by a creditor, who advised me that the account with XXXX. Account # XXXX showed my payment status as current, but showed in the XXXX XXXX XXXX status. With several late payments over 30 days late with all three credit bureaus. I request a update of reporting with all three credit bureaus with XXXX XXXX, Experian, and XXXX. 

I do not request that this account be removed or deleted, but updated to reflect alone with the payment status of paid current reported on all three credit bureaus with all three credit bureaus. 

List of inaccuracies : XXXX XXXX Experian XXXX Date Opened : : : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Monthly Payments : XXXX XXXX XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comment Section : No rate information No rate information Auto fixed rate Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year Payment History : XXXX XXXX XXXX 30 day late XX/XX/XXXX to XX/XX/XXXX -- -- -- -- -- -- XX/XX/XXXX to XX/XX/XXXX Experian : 30 day late XX/XX/XXXX to XX/XX/XXXX -- -- -- -- -- -- XX/XX/XXXX to XX/XX/XXXX XXXX 30 day late : XX/XX/XXXX to XX/XX/XXXX -- -- -- -- -- -- XX/XX/XXXX to XX/XX/XXXX This is a breakdown of the inaccuracies that are being reported from all three credit bureaus. I request that these inaccuracies be updated to reflect the true accuracy on my credit files. 
There should be no hesitations, or issues with getting this corrected. I expect that this will be done in the 30 days mandate per Federal Law under the FCRA 15 USC 1681.
Product: Debt collection

At the beginning of XXXX I attempted to obtain a mortgage prequalification and identified 3 unknown medical bills on my credit report from Transworld Systems Inc. When I contacted them by phone XXXX/XXXX/20 I was advised there were several more accounts that were not reporting on my credit report, but were in their records. In an attempt to get the prequalification done, it was time sensitive pending contract on new construction, I paid ALL the bills. I asked that a confirmation letter be sent. Ten days later I had not received the confirmation letter. I asked that it be faxed and mailed. The first week of XXXX I still had not received the confirmation letter. When I called for the third time I was told neither of the first two representatives had mailed or faxed the letter though my fax number was in their records. Finally the faxed letter was received that same week. XX/XX/XXXX I spoke with my mortgage company and they advised me that one of the TSI charges was STILL on my credit report. It is for {$59.00} and the credit report lists it as account number XXXX. The confirmation letter from TSI does list an account ending XXXX, but does not detail the amounts paid for each account.
Product: Debt collection

I recently sent a letter to this company asking for them to stop contacting me in regards to whatever it is that they keep calling me about because I have no idea what it pertains to.
Product: Credit reporting or other personal consumer reports

In my fourth and final attempt to rectify the inaccuracies in my consumer report, I emphasize the critical role Consumer Reporting Agencies play in fair credit assessment. Without my explicit consent, disclosure of my information violates 15 U.S. Code 1681b ( 2 ), leading to identity theft allegations under 15 U.S. Code 1681c-2. Moreover, the accounts in question are unrelated to my transactions, and Opt-Out disclosures were not fully disclosed, as required by law ( 15 U.S. Code 6802 ). If not resolved, legal action will be pursued under 15 U.S. Code 1681n for willful noncompliance, demanding prompt rectification within legal bounds.

Here are the following list of inaccurate items on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of purchasing a home. I noticed that on my Equifax Credit report they show that I have an account that with XXXX XXXX XXXX company. I agree that I was 2 months late for a 60 day late payment however Equifax is showing 90 day 's late. I contacted XXXX and they agree that I only have one account. over the last 2 weeks my score on My account with XXXX is XXXX. This is the only account I have with this company. However they are reporting two on my account. I do not know what to do. I speak with Equifax and they tell me that they are initiating a dispute on my behalf but they do not contact XXXX. I contact XXXX XXXX and they inform me that they are reporting one account. One my other credit reports I have only one account. I have been hurt financially and emotionally by this. I am not longer able to get my VA loan approved. I am at the end of my lease for the current home I am in and will not have a place to live after the XXXX of this month. We did not resign the lease because we had met our eligible scores for a VA home loan. Now that Equifax and XXXX has failed to do their job I no longer qualify for VA loan approval. I've been contacting them for almost a month now about this. I NEED HELP PLEASE.
Product: Debt collection

Returning to school and work from XXXX. Limited income school went from {$400.00} for the semester to over {$1800.00} which I didnt have so after speaking with my counselor I unenrolled from the school. Never received or completed the course work, im being billed and sent to collections dropping my XXXX score over XXXX points for something I never received, do not have access to these courses nor the credits from them to owe almost XXXX.