23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Within the past 30 days, I started receiving robocalls from Frost Arnett. I didn't answer the calls because my XXXX call filter app marked the incoming calls as a robocaller and potential scam. There were never any voicemails left to indicate who was calling and what business they had with me. I also blocked each call as it came in, but the calls were always from a different number to evade the blocks. 

At this point, the robocalls were coming in regularly so I reverse XXXX searched the numbers and it came back as Frost Arnett. So I called them to find out why they were calling and I was told I owed money to XXXX XXXX. I had been paying according to an agreed-upon payment plan on their website since I got the first bill. I was never late or short on any of the payments. 

At the time Frost Arnett contacted me, the debt was down to {$30.00} something dollars. I told the agent I was paying on the XXXXXXXX XXXX  website and would continue to do so. I had received nothing in the mail from Frost Arnett at that point, and the agent recited my correct and current mailing address. After getting off the phone with the agent, I immediately went to the XXXXXXXX XXXX website and paid off the balance. There was no indication on the billing website that the account was late, in arrears or placed with collection. I had also never received any mail from the XXXX XXXX office reflecting a negative account status. I had been paying as agreed, then the sudden robocalls began. 

Today, on XX/XX/XXXX, I received yet another robocall from Frost Arnett, again from a brand new number to evade the blocks. I told the agent I paid the debt and it was paid directly to the XXXX. The agent said it could take 30 days for something to update in their system to reflect that. The agent then attempted to get my place of employment and email address after she was told the debt was paid. 

At this point, I do not believe Frost Arnett is going to cease robocalls and other collection attempts, though they have been notified the debt is paid. They have a multitude of negative reviews online, outlining shady and criminal collection practices just as I have unfortunately experienced here.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquires are reporting on my credit report on XXXX, XXXX, and Experian from the companies listed below along with the inquire dates. These fraudulent inquires are damaging my personal credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I called XXXX XXXX to correct the account number on my XXXX XXXX as the account number they had was a closed account it had just been closed. I spoke with a rep who assured me everything was updated and my Schedule payment for XXXX would go through the new account and XXXX auto payment would come out of the correct account. This was never done they continued to try to make payments from the incorrect account. I called XXXX XXXX at least XXXX times about this issue. I even scheduled my own payments from the correct account since they did not seem to be able to remove the closed account. They then refunded the late fee they charged because it was their mistake and the next day without notice they closed my account and said it was because I tried to make a payment with a closed account. I never tried to make a payment with a closed account and called them over and over again with the correct account number for my payments. On XX/XX/XXXX I called for the XXXX time and I spoke with Supervisor XXXX who said they had to pull the call and if they hear that I was asking the account number to be changed they may reinstate my card. The card should have never been closed especially after I called them back every time they called me telling them they were using an incorrect account number and the continuously told me the account was update while they continued to try and take payments from a closed account.
Product: Credit reporting or other personal consumer reports

I recently noticed a fraudulent account has been inserted into my credit report. This account needs to be removed because is a result of identity theft, and I would like to dispute its insertion. Please provide documentation proving the legitimacy of this account. 
. XXXX XXXX XXXX ACCOUNT NUMBER : XXXX OPENED ON : XX/XX/XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX BALANCE:XXXX XXXXXXXX XXXXXXXX XXXX  XXXX Account Number : XXXX Date opened : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Upon review the files, it comes to the attention that there is an Error of FALSE information about a XXXXXXXX XXXX XXXX XXXX XXXX with the balance of XXXX XXXX XXXX XXXX XXXX XXXX. I have No acknowledgment nor given consent permission to anyone in the institution to use my personal information to obtain or open the account to made unauthorized charges. I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. As a Matter of rights under FCRA law to be in compliance, furnish-er of False information must provide any documentation that bears its original owners signature authorization and consent within 5 business days, failure to do so in the essence of time period must have the false information delete or remove before the matter is taken to the court because of Predatory Practice by the institution and the furnish-er of False information. Please taken step necessary to remove and delete prevent any account opened under owners personals information without permission nor consent.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 card

Regrettably, the response I received from your team was lacking in detail and did not address the core aspects of my request. As a result, I am compelled to follow up to clarify the details and seek a more comprehensive response that aligns with my needs. 
Please respond according to my request. 

Synchrony Bank allowed a transaction that I did not authorize, for the amount of {$7600.00} for furniture that I did not accept, I rejected the delivery and I did not provide my signature on the delivery paper. I want to proceed with the arbitration, I already contacted the XXXX XXXX XXXX XXXX, and they sent me a form, I need the bank collaboration to continue with this process. I am kindly asking Synchrony Bank to assist in completing the necessary sections of the arbitration initiation form. Specifically, I kindly ask Synchrony Bank that you provide the following information : XXXX. Identify the requested city and state for the hearing if an in-person hearing is held : City : State : Select ... XXXX. Please provide contact information for both the Consumer and the Business. Attach additional sheets or forms as needed. - Business information - Business representative XXXX. A clear, legible copy of the contract containing the parties ' agreement to arbitrate disputes. I attached the XXXX arbitration form.
Product: Debt collection

I had a medical bill at a collection agency and it was transferred to Clear Recovery. They did notify me of this transfer and I received one bill from them then two weeks later I began receiving letters from lawyers saying that I was being sued for that medical bill but I never received notification of the suit. I tired to access my account to make a payment and I can not even access it. 
I received an undated bill from Clear Recovery for my XXXX XXXX XXXX service date XX/XX/XXXX of {$740.00} in late XX/XX/XXXX. Then a few days ago ( XX/XX/XXXX ) I received letters from lawyers about supporting me in the suit. As of today ( XX/XX/XXXX ) I still can not access my account or received notification of the suit. 
I have had a bad experience previously with Merchant Credit Adjusters which is the company Clear Recovery is apart of. They harassed me with repeated aggressive phone calls with threats and refusing to work with me on setting up payments.
Product: Student loan

In XX/XX/XXXX, I borrowed {$10000.00} to complete my XXXX XXXX degree. I have been paying what I can afford, in some cases more than I can afford, and applying additional payments to drop my principal amount owed for the past 9 years ( total amount of payments : {$8800.00} ). To date, my current balance with Navient is {$9900.00}, less than {$300.00} from what I originally borrowed, despite my thousands of dollars in payments and additional payments towards principal over the past 9 years. I believe Navient has been applying my payments and additional payments to interest rates and future interest rates ( rather than to my principal ) without my knowledge in order to keep me indebted to them for decades. Please find below a list of transactions over the most recent year. My monthly payment is due on the XXXX each month, yet I made additional payments. My regular payments consist of {$12.00} going to principal with {$50.00} go to interest. My interest rate is only 6.550 %. Also, instead of applying my additional payments to principal, Navient applied portions to future interest payments. Date Description Principal Interest Fees Total XX/XX/XXXX PAYMENT ( {$65.00} ) ( {$53.00} ) {$0.00} ( {$110.00} ) XX/XX/XXXX PAYMENT ( {$11.00} ) ( {$55.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$24.00} ) ( {$43.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$89.00} ) ( {$10.00} ) {$0.00} ( {$100.00} ) XX/XX/XXXX PAYMENT ( {$14.00} ) ( {$53.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$63.00} ) ( {$3.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$21.00} ) ( {$45.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$60.00} ) ( {$5.00} ) {$0.00} ( {$66.00} ) XX/XX/XXXX PAYMENT ( {$10.00} ) ( {$57.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$10.00} ) ( {$57.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$11.00} ) ( {$55.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$9.00} ) ( {$57.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$21.00} ) ( {$46.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$60.00} ) ( {$9.00} ) {$0.00} ( {$70.00} ) XX/XX/XXXX PAYMENT ( {$26.00} ) ( {$41.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$53.00} ) ( {$16.00} ) {$0.00} ( {$70.00} ) XX/XX/XXXX PAYMENT ( {$56.00} ) ( {$11.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$200.00} ) ( {$48.00} ) {$0.00} ( {$250.00} ) XX/XX/XXXX PAYMENT ( {$9.00} ) ( {$58.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$7.00} ) ( {$60.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$9.00} ) ( {$58.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$7.00} ) ( {$60.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$13.00} ) ( {$54.00} ) {$0.00} ( {$67.00} )
Product: Checking or savings account

My account was frozen during my trip outside of the country on my vacation I told Bank of America that I was out of the country for vacation and they told me not a problem. BUT from the moment I arrived at the airport here I spend 3-4 hours a day on the phone with them for the last six days and they only cause more problems. Now my account is locked for online access and I cant transfer my money out to my other bank account.They claim my card works but that was another lie they told me! NOW I have no money and Im stranded in XXXX because Bank of America has all my money and tells me I have to go to a local branch to get my account unfrozen because they are incompetent and thieves!!! I have no money at all and I have no way of getting back to my home in the USA because of theses idiots!! I have been a customer since 2009!!! But because of them screwing me over so much its going to be very very bad for them when I can get back home. THANKS FOR MAKING ME STARVE AND SLEEP IN THE AIRPORT WITH NO MONEY FOR FOOD OR A PLACE TO SLEEP OR A TICKET HOME!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  have reached the statue of limitations on this alleged debt. It has been more than 7 years since this account has been opened. The loan was allegedly originated on  XXXX / XXXX / 2006 . 7 years has transpired since, therefore according to FCRA, this needs to be removed from my file from All credit reporting agencies ;  XXXX , TransUnion, and  XXXX . This is  Zombie Debt ; and is illegal to report according the the FCRA. I want this item deleted from my file immediately .
Product: Credit reporting, credit repair services, or other personal consumer reports

I had received the alert from my XXXX Credit Report. about the over usage on one of my credit cards for APPLE CARD/GS BANK USA XXXX When I checked, it says that, " Your APPLE CARD/GS BANK USA acount 's Credit Usage significantly increased to 102.0 % with the Credti Card Limit of {$1000.00}. Also, the same account also has the Address Changed information. I was under impression that someone opened up the Credit Card on APPLE CARD/GS BANK USA and later on changed the address. Hence, I called the APPLE CARD/GS BANK USA and XXXX to report the same issue since this Account doesn't belong to my name and I also have't changed my address recently.. The Customer Representative from APPLE CARD/GS BANK USA couldn't find this account under my name but he was further going to investigate about this matter and send out information to XXXX. I was also told by XXXX XXXX Representative to file a complain on Consumer Financial Protection Bureau. Hence, I am filing the same to resolve this matter. It has affected my XXXX  Credit Score very badly. Please take the appropriate action in order to resolve this matter and get the resolution as soon as you can. Thank you!!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFOB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that Tracking these transactions was infeasible. The CFPBs finding indicate that Zelle not only neglected to protect consumers but had also allowed repeat offenders to exploit the system leaving users Vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them to investigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/2017 NOT PROVIDED Date Updated : XX/XX/2017
Product: Payday loan, title loan, or personal loan

Someone stole my identity by stealing my cell phone and wallet connected to my cell phone the phone is in the company name and by the time I advised them to turn off the phone and get me a new phone the defrauders had already started using my credit card, and I come to find later that the fraud people forward all the calls and text to another number. The police advised me that this is a new way that the fraudulent crooks do to get your calls and text from the credit card companies to keep using your cards. I then canceled all ten of my credit cards and came to find later that a company by the name of Affirm, said I had an account with them. I advised them of the fraud that took place however, they are still trying to collect from me. I didn't even know about this company so I looked them up, and they said the account was used at a jewelry store. I need help with this company trying to collect on a bill that is not mine.
Product: Credit reporting

I recently visited XXXX, Equifax, and XXXX websites and purchased the credit score and reports products. The issue is that when I apply for loan through a lender all XXXX credit scores were completely different and drastically lower than what the website showed compared to what the lender provided me with. I contacted the XXXX credit bureau 's and they told me my score was based off educational score which when explained to me did not make sense. I then contacted lender and went to there office provided the online scores from each credit bureau 's. The lender explained that scores would vary but should n't have varied that much. XXXX shows XXXX actual XXXX ; Equifax shows XXXX actual XXXX ; XXXX shows XXXX actual XXXX.
Product: Debt collection

CCS Credit Services Appeared on my credit says I owe liberty mutual {$4200.00} This was discharged in a bankruptcy its on all three of my credit reports Unless a creditor receives approval from the court to do so, continuing with collection activity after you filed bankruptcy is illegal. 
CCS COLLECTIONS Last reported XX/XX/XXXX {$4200.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX XXXX XXXX XXXX  ) Account status Open Type -- Responsibility Individual Remarks -- Original creditor name XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : XXXX XXXX  acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX  acct # XXXX XXXX  XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I was going back-and-forth with XXXX XXXX on them reporting that my account was late, but my account was compromised due to fraud and authorized payments were used. So due to fraud, they sent me a letter saying that my account was never late, but the credit bureau will not change that.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I hope this letter finds you well. I am writing to formally request a 1099-C form for the charged-off account associated with account number XXXX, which has a total balance of {$5400.00}. This amount has been reported as charged off on my credit report. 

The reason for this request is twofold : The account has been charged off, and I understand that when a debt is forgiven or written off, the IRS requires that a 1099-C be issued to the debtor.

Additionally, the account was reported as a profit loss by your institution, and I am seeking the necessary documentation for my records and potential tax purposes.

Please provide the 1099-C form for this account at your earliest convenience, as it is essential for my personal tax filings. I appreciate your prompt attention to this matter.
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.Section 602 A. states I have the right to privacy.

15 USC 1681 Section 604 A 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 other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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. 

1. CREDITOR : XXXX XXXX  XXXX ACCOUNT : XXXX ADDRESS : XXXX XXXX XXXX XXXX, OH XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$4600.00} 2. CREDITOR : XXXX  XXXXXXXX ACCOUNT XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX OPENED : XX/XX/XXXX BALANCE : {$270.00} 3. CREDITOR : XXXX  XXXX  ACCOUNT : XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$9300.00} 4. CREDITOR : XXXX XXXXXXXX XXXX XXXX ACCOUNT : XXXX ADDRESS : XXXX XXXX XXXX XXXX, OR XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$2500.00} 5. CREDITOR : XXXX XXXX XXXX ACCOUNT : XXXX ADDRESS : XXXX XXXX XXXX XXXX, WI XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$450.00} 6. CREDITOR : XXXX XXXX ACCOUNT : XXXX ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX, XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$3600.00} 7. CREDITOR : XXXX XXXX XXXX  XXXX ACCOUNT : XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, IA XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$3300.00} THESE ARE THE ALLEGED ACCOUNTS I WANT REMOVED FROM MY CREDIT REPORT IMMEDIATLY THANK YOU, XXXX XXXX
Product: Mortgage

Loan Depot has been giving me the run around on an application for a mortgage and the seller is about out of time. I can't go to another lender due to the excessive amounts of credit pulls they have done. This has left my credit damaged with no choices to go elsewhere. I have talked to managers and none care or arr willing to do anything. Im currently homeless because of this and have included a copy of a form the lender sent that lists the excessive amounts of pulls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXXXXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1800.00}
Product: Debt collection

Repeated phone calls from Diversified Consultants, two or more times a day from a local phone number to mask their identity. XXXX called at XXXX XXXX today. Yesterday they attempted to call from XXXX. They do not leave a message and call every day two times or more. I have expressed to this company to not contact me any longer and I will continue to document the repeated calls after I expressed this to the company. I have no debts owed to this company.