23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I requested that they stop calling me, which they continued to do. I originally messaged them through they're website asking for validation of the debt which they informed me multiple times that they could not provide. I then randomly received a letter about the validation that did not comply with the law. I wrote them a letter clarifying what information I wanted to be provided with on XX/XX/2024. This is what I requested in that letter. 

Will you provide a copy of the contract that shows my agreement to do business with you? Along with a full record of accounting for the alleged debt. Can you provide proof that the alleged debt is still within Ohios statute of limitations? Lastly, please provide documentation showing how much you paid for this alleged debt. 

I never received a response from them, except them trying to call me again. I then received a letter in the mail about this being the final attempt before they send it to an attorney in the state of Ohio.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize XXXX XXXX to pull my credit for you, the creditor. I request you to provide me THE AUTHORIZATION that I signed for XXXX XXXX to pull my credit. This case is related to CFPB # XXXX
Product: Checking or savings account

I can no longer access my account and i never received anything in the postal mail regarding the issues so i do not have an exact set of dates or transaction details to include. It was all this year, 2022. 

I know that my funds were low due to being laid off and having not started my new job just yet. The bank processed a transaction that I had initially asked them to refuse as it was a recurring payment i could not get the third party to quit charging me even though i requested my account cancelled several months in a row. The bank processed the payment, then kicked it back due to insufficient funds, then charged me {$35.00} for XXXX. I emailed and requested that the {$35.00} be refunded due to the fact that I had asked for that transaction be stopped prior to it ever hitting the bank. That request was never answered and then they let that transaction process through again, kicking it back again, and charging me another XXXX fee of {$35.00}. On top of the monthly service charges that had recently gone up and changed dependent upon your card usage they ended up closing my account because i was negative for too long ( less than a month ) and they say I owe them a little over {$100.00}. However, I disagree because I had asked for that payment to be stopped, i requested it to be stopped by the vendor, then by the bank because the vendor would not quit charging me. Now the bank is reporting it on my credit report, and I had that account with them for well over XXXX years. I had never left anything negative for any length of time, and I had never fraudulently reported transactions to get my money back. And they totally treated me as if i was a no nothing customer and not to be trusted or believed or worth reaching out to with a call to see what was going on. I literally had the same address and phone number the whole time I had that account, and someone could have reached out to address the issue prior ot closing account
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, SAFCO has issued their attached written response to my recent CFPB complaint. Within this written response, SAFCO has indicated that they processed an application for credit from the consumer on behalf of XXXX XXXX XXXX XXXX on XX/XX/XXXX. SAFCO has also indicated that the application for credit included all of the consumer 's personal identifying information. Despite the above responses, SAFCO has failed to produce any proof of a signed credit application by the consumer which was processed on XX/XX/XXXX. SAFCO has also failed to produce any evidence which directly relates to a legible copy of the consumer 's personal identifying information or a copy of a valid photo ID which supports the consumer 's above credit application process on XX/XX/XXXX. NOTE : SAFCO ( Southern Auto Finance Co. ).
Product: Credit reporting or other personal consumer reports

On or around XXXX XX/XX/XXXX I filed CFPB complaint XXXX. XXXX XXXX marked it as a duplicate of CFPB complaint XXXX to prevent from having to respond. This is the second time they've employed such tactices because on or around XXXX XX/XX/XXXX I filed CFPB Complaint XXXX. Instead of reading through the complaint and examining the attached documentation, XXXX XXXX XXXX AGAIN chose to close the complaint and mark it as a duplicate of complaint XXXX. However, whereas complaint XXXX was regarding account XXXX and the data furnished to XXXX, complaint XXXX was regarding XXXX and the error in the Date of First Delinquency -- It says that in the first few sentences of the complaint. XXXX XXXX has a habit of closing out complaints when it does not like to respond in an effort to avoid dealing with the issue. In this case XXXX XXXX is most likely closing out these complaints because it knows or has reasonable cause to believe the information it is furnishing to Equifax for XXXX is inaccurate. [ ORIGINAL COMPLAINT ] : On or around XXXX XX/XX/XXXX I disputed the date of first delinquency reported for a XXXX XXXX Account/Tradeline in my Equifax credit file. Equifax alleges they conducted a ( re ) investigation and returned the results on or around XXXX XX/XX/XXXX. The results claim the date of first delinquency was verified as accurate by the data furnisher, XXXX XXXX XXXX. However, on its face this information is false because XXXX XXXX response to CFPB complaint XXXX, dated XXXX XX/XX/XXXX, makes clear " Our office did not mail billing statements during the time-frame of XX/XX/XXXX, through XX/XX/XXXX, billing statements were suppressed while the loan account payments were deferred. '' Moreover, the same XXXX XXXX response goes on to state for XXXX : " A disaster forbearance was granted from XX/XX/XXXX to XX/XX/XXXX. '' Thus, the account was in forbearance prior to XX/XX/XXXX from XXXX XX/XX/XXXX until XXXX XX/XX/XXXX and there would be zero ( 0 ) delinquencies for this account if unpaid until after XXXX XX/XX/XXXX, which was the due date of the first bill after the deferment ended. Therefore, the derogatory narratives alleging the account was 90 - 119 days past-due, and the alleged date of first delinquency of XX/XX/XXXX. Given the above quotes are taken from XXXX XXXX own responses to CFPB complaints, information supplied by XXXX XXXX directly, XXXX XXXX knows and/or has reasonable cause to believe this information is inaccurate, but has opted to forego changing the patently false information it is supplying to the CRAs and has instead chosen to allege the information is " accurate. '' This is the epitome of willful negligence. This sort of behavior is unfair and unlawful and defamatory.
Product: Credit reporting

XXXX request a credit check on my name without my consent. My line of credit was increased without me making any request. Obviously my score will decrease and I 'm working hard to increase it at it was before. This practice must not be tolerated. If they were looking to increase my line of credit they should have used my record of payments with them.
Product: Payday loan, title loan, personal loan, or advance loan

I bought a TV a XXXX inch TV I didn't even get it out of the package before I was upset about it when I got to looking at my papers my loan agreement I didn't expect that TV that's around {$200.00} everywhere else I've looked cost me {$920.00} course that's also with a auto club motor side XXXX XXXX assistance program that she handed me a pamphlet for when I was walking out the door and said that we give this to all of our customers because we have it she didn't tell me she added it in my contract from XXXX I didn't ask for it she added it to my contractor without me even knowing it and then handed me a pamphlet and act like it was just free for everybody I was very upset when I got home I seen it wasn't a XXXX  TV when they said it was I couldn't get no price out of them decided contract and go I tried to return it 2 days and they told me if I returned it I still had to pay the full amount of the {$920.00} they would not take it back unless I still paid that amount for it I'd like to know if that's fair is that right they can do that I've tried taking it back and they told me no I couldn't do it unless I still paid that amount I want something done about it XXXX XXXX XXXX at XXXX XXXX XXXX XXXX Oklahoma XXXX phone numbers XXXX thank you for your help I want to return it and then to destroy my contract I've never even plugged it into the wall
Product: Debt collection

my lease ended on XX/XX/2019, on XX/XX/2019 i signed a a new lease, back in XX/XX/2019 i lost my job so i went to the leasing office and explained them my situation, they started playing with me likes the person is not here, that i have to sign other form etc.so i paid until my last day at the condo ( by the way i was paying on time every month ) and left.i don't really understand why they want me to pay them if my renewal was never done.knowing that the situation could affect my credit, i called hunter warfield inc and acccept to pay XXXX per month ( eventhouth i don't accept the debt ) in order to keep my credit ok for wish they agreed.after a few months i find out that it was on my credit so i stoped paying for something i did not agreed on the first place.in my opinion this is an scam that this leasing co is doing to the tenants.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a hard inquiry from XXXX on my credit report that I did not do! I didnt apply for any services or products from this company! Its fraudulent inquiry please remove off of my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries below ain't mine they are fraudulent. Please remove as soon as possible. They should not be on report. XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had a account with well Fargo I lost my wallet with all my important information in it anyway I guess someone tried to use it so they froze my account and then close it when I went to address the matter far as trying to get my money and reopened my account they was giving me the run around
Product: Credit card or prepaid card

Back in Nov.of 2011, I used a trial of XXXX XXXX on XXXX. I cancelled the trial through the Tv and screen confirmed. I noticed that the charge kept recurring, along with a XXXX XXXX charge I had disputed. I called both places. XXXX XXXX stated that they had no subscription or monies coming in for me. I tried to get in touch with XXXX, but this can only be done by signing up for a service. It states that the money can be refunded if you cancel the service, but this seems like opening ANOTHER can of worms. I tried again XXXX going to the XXXX XXXX app on my TV, but it states that there is no subscription, so Im not sure who is getting the money. As for XXXX XXXX, its a CA number and after trying repeatedly, I can get no one to answer the phone. I have been trying for months to close this Capital One card via letter, online chat and email. They all said that XXXX cant because of the outstanding dispute. In the meantime, the dispute with XXXX XXXX was resolved and the charges dropped. However, they said I had to wait XXXX days for the origin of the charge for the XXXX to respond. Meanwhile, my annual fee was added to my charges. I called about that and they said to pay it and when the XXXX charge was dropped ( I was assured it would be ) that this would be refunded. I did pay. I was assured XXXX in long phone calls that the charges after XXXX would be dropped and my card would be closed. Now we are almost into XXXX and not only have they not closed my account they say they are still waiting to hear from the origin of the charge for the XXXX, who, by the way, they cant identify!! Of course, I am also being charged a late fee. I am very frustrated. Every time I call I am reassured everything is taken care of, then I get another bill and spend another hour on the phone. Please help.
Product: Debt collection

This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the accounts, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned accounts for they were found erroneous and unauthorized. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3000.00} U S DEPT OF EDXXXX XXXX XXXX : {$810.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were not authorized by me. These fraudulent inquiries need to be removed as soon as possible. As a victim of my information being compromised in the Equifax breach, XXXX breach, XXXX Breach, and the XXXX market, I need these to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are inaccurate and need to be removed as soon as possible. 

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 XXXX XXXX multiple dates. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX multiple dates XXXX XXXX XXXX  multiple dates 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 XXXXXX/XX/XXXX
Product: Checking or savings account

When my stimulus payment was directly deposited the bank credited my account for previous overdraft fee 's in the amount of {$170.00}. The credit applied on XX/XX/XXXX, as an unsolicited deposit. 

On XX/XX/XXXX I received a secure message from Chase Bank, explaining the deposit was only temporary in order to access all of the stimulus funds provided by the government and it will be debited back in 30 days. 

I never requested the temporary assistance from the bank - and certainly did not agree to any type of loan with a 30 day repayment assistance. 

I sent a several messages to the bank with zero response, asking them to provide law and or policy stating what gives them the right to provide a loan without my permission, and they continue to respond with the same form letter sent on XX/XX/XXXX.
Product: Debt collection

user XXXX XXXX XX/XX/XXXX, XXXX Sent {$730.00} AUD Your recipient should have the money by XX/XX/2023. 

Repeat this transaction Paid with PayPal balance {$500.00} Exchange rate {$500.00} USD = {$730.00} AUD XXXX USD = {$1.00} AUD Transaction ID XXXX Contact info Message XXXX XXXX Note XXXX Details Sent to XXXX XXXX {$490.00} {$730.00} AUD Fee {$4.00} {$7.00} AUD Total {$500.00} {$730.00} AUD There were 7 repeating charges that were attempted to be run VIA ACH. I called, emailed, and reported these fraudulent charges over a week before the ACH was even attempted to be charged to my account. 

The representative that answered the phone only stated that I had authorized the charges with no means to confirm this. I was alerted via phone to the charges to have been authorized at about XXXX my time, contacted paypal at about XXXX. 

Initial reporting to this was automatically declined by their automated system, the rep I spoke with said I would receive further review via their team. 

About a week later I received an email indicating the charges were unauthorized, however I would have to hope that the person who received my funds would return them. 

After initial contact with Paypal I contacted my banks, performed stop pays for all transactions and created new accounts. 

Paypal has apparently created a credit line on my behalf and given money to an unknown person while simultaneously informing me they knew these charges were fraudulent. 

In turn I have received a bill collector notice for these fraudulent charges.
Product: Debt collection

National credit systems never informed me of my right to dispute my debt. I found out I had a collection against me by recently pulling my credit. Our initial contact was XX/XX/2015. I have 30 days to dispute after our initial contact. I sent them certified mail which was signed by XXXX XXXX stating I need validation that they are liscensed to collect a debt in alabama, proof that they own the debt and the debt is mine .They then sent me a letter dated XX/XX/XXXX that only stated I owe XXXX sent by XXXX XXXX. The letter did not break down what I was being charged for nor did they include the original creditors address not did they proof they own the debt. I called them thursday XX/XX/XXXX and spoke with XXXX XXXX to let them know this is not proper form of validation. They then sent me another letter stating I now owe them {$2200.00}. This is false representation of a debt which violates the FDCPA. Attached with the letter was a copy of a lease. On the first page of the lease was a move in/ move out check out list THAT DID NOT HAVE MY SIGNATURE, it was signed by another person. I am being charge for damages to a property when my signature was not even on the move in or check out list.There were XXXX signatures on the last page of the lease that does not look like my signature. I never agreed to these charges. This is not my debt and they are breaking the law by falsely representing a debt as well as deformation of character.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two years ago a doctors office spelled my name backwards on their bill for {$360.00} and the insurance company denied the claim. Before we could figure out what the issue was the claim was sent to a collection agency. The issue was eventually identified and the insurance company paid the claim. The billing company told us they would request that the collection agency delete the collection account from my record. This was never done. Last month we applied for a mortgage and were denied because of this issue. We were told that our application could be resubmitted only after this collection account was deleted from my account. We filed disputes with the three credit bureaus on XX/XX/XXXX. Within a week XXXX XXXX and Experian came back to us and said that the collection was valid and did not update my record. We then spoke with the collection agency directly. They submitted a request to the three credit bureaus to remove the account on XX/XX/XXXX. XXXX processed the request and removed the account two days later. XXXX XXXX and Experian did not. I spoke to representatives of both companies on XX/XX/XXXX who told me that they never received the update from the collection agency and to file another dispute. I did so and again Experian refused to update my account. I spoke to an Experian representative on XX/XX/XXXX who said that the issue is that the collection agency never sent the request to delete the file. I spoke to the collection agency again today XX/XX/XXXX who confirmed that they did indeed send the update to Experian and XXXX XXXX and the issue is with the credit bureaus. No one at the Credit Bureaus is willing to help us and we are running out of time given our rate lock period with the bank. Obtaining a mortgage at a different bank will cost us an additional {$10000.00} in interest over the course of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 TransUnion subtracted 48 points from my credit score because of a remark that was added by XXXX XXXX. That remark was immediately removed from my TransUnion credit report the same day by XXXX XXXX but TransUnion failed to restore and add the 48 points back to my score. 
XXXX did the very same thing on XX/XX/2020 for 24 points and failed to restore and add the 24 points back to my total score. I have submitted complaints to both credit reporting agencies in writing to no avail. It's hard enough making the effort to raise your score then to have the actual credit reporting agency remove points so that all the companies out there and the underhanded finance system can continue to exploit the majority of people with high interest car loans and little to no capital payoff amounts. And are they supposed to do any of this during Covid-19 pandemic. If I can I would like to sue them in a court of law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need this account deleted or updated. This is the item I demanding to be deleted immediately : This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX  Bankruptcy Case Number : XXXX Please remove this bankruptcy from my public record
Product: Checking or savings account

This is the second complaint that I write today. I recently filed a complaint about XXXX XXXX XXXX They closed my account without investigating the crime that I reported to them. 
When I opened an account in another bank, the criminals who already knew my information, returned to do theirs. This time, they sophisticated their behavior. They made me a job offer through XXXX and then ended up contacting me through a supposed XXXX  account. Everything seemed correct. 
As you will see from the documents I provide, they impersonated an existing identity to send me emails. This time I did several checks on the person 's existence and everything. And it turns out that everything was false, as you will see in the achievement of emails that I contribute. This had serious consequences for me. They sent me a fake check that the new bank, Fifth Third Bank, accepted. Consequently, that account was also closed for me. My credit history continues to be severely affected as a result of these events. 

It is important that entities better train their employees on fraud. They can not treat clients as accomplices in a crime of which they have been victims. They must check the documents well, in this case, check the checks well, analyze them. I went personally, delivered it, and saw how the employee received it without taking any action. The check looked authentic. The entity accepted it, but as soon as they realized it was false, they closed my account. 

Here I provide the email history of the alleged person who hired me and sent the check. It arrived one day in the morning before XXXX, in the morning, before starting my work, I received it through XXXX. They know that at that time people are running from home to work and that is how it was in my case, I handed over the check. I looked at it and saw that it said my name and the amount. 

But the most important thing is that this person knew that I was going to receive that same day in my account at that bank my reimbursement of the University of more than 7 thousand dollars. In other words, I was counting on the check to go into an account in which there was money. He means, he knew exactly how much money I get for my XXXX  studies and when. In other words, there is a gap in the system that worries me, since they are federal funds. 

What I demand is that they review my credit history, my rating, and constant that this fact affected him a lot, and that is there until 2025. I have studied hard, I want to be a XXXX  XXXX, I have to repay my university loan. My credit history should not continue to be so tainted by situations beyond my control. Banks must take an active role in the matter, create guarantee mechanisms. It is very unfair too. 

Thank you.