23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Midwest Recovery System  are attempting to collect a debt that I have no knowledge of. I contacted this company to ask questions about this account. She told me that the account was opened on   XXXX   XXXX   XXXX    . She was n't able to give me much detail about the account. All she knew that it was from   XXXX   XXXX  . I had never heard of   XXXX   XXXX  . I stated that I wanted to look this company up to get some information because I had no knowledge of this account they are trying to collect on almost 7years later. She tried to offer me a settlement, I would n't accept the settlement because I was n't taking responsibility for the account that I had no knowledge of.
Product: Credit card

XXXX/Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXX Dear Sirs : I applied to XXXX/Synchrony Bank to purchase some furniture. It was 18 months interest free. The total amount was {$1900.00} dollars. I had made monthly payments on time and paid it down to {$1100.00} Dollars. I had XXXX and no longer could work the job that I had due to the XXXX I was in. Synchrony Bank started charging me an interest rate of 29.99 % and late fees. My balance is now {$2700.00}. I know of a person who has gone through the same thing and his balance is up to {$10000.00} dollars. I have tried to communicate with them to see if they would just let me pay back the original balance of {$1100.00} dollars and they will not hear of it. I feel there is no way I can not pay this back ever with the interest rate and late fees applied every month as high as it is. Please help me and other consumers. This so wrong to treat consumers this way. 
Sincerely, XXXX XXXX
Product: Checking or savings account

Discover bank had frozen my account and tells me to call immediately. Agents are unavailable and wait time is advised at over 2 hours. After THREE hours of waiting the system times out and call is disconnected. This is NOT right and my money is hostage!!
Product: Debt collection

I requested the verification of a negative item, in pursuit to the Fair Debt Collections Practices Act, 15USC 1692 Sec.809 ( b ). You are required under the above named titled and section, to show your lawful authority to collected on an alleged debt claim ; I am requesting the following items : The name and address of the original creditor A copy of the original contract between myself and the original creditor. 
The original application for this account with my signature. 
A copy of the agreement authorizing your company to collected on their behalf of the original creditor. 
FULL detailed accounting history on the account and the calculations on how they reached the amount owe. 
Provide verification on any judgments connected to this account. 
Provide your license to collect in my state and your registered agent name with their address. 
Please show proof that the Statue of Limitations has not expired in my state for this account. 
Provide the date of the last payment on this account. 
I received a Bill statement nothing with my signature proving that the debt belongs to me and I have been a victim of identity thief so I take verification serious
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE A XXXX CREDIT CARD, ITS A NAVY FEDERAL CREDIT CARD ACCT # XXXX. THERE IS SOMEHOW A LATEPAYMENT ON MY CREDIT REPORT, I HAVE 100 % NEVER BEEN LATE!!
Product: Credit reporting, credit repair services, or other personal consumer reports

A dealership ran my credit without authorization. I had original creditors do an investigation and they found they need to be removed. Bureau is still reflecting incorrect inquiries after myself and creditors have asked for them to be deleted.
Product: Vehicle loan or lease

In XXXX of XXXX I purchased a XXXX XXXX XXXX XXXX  from US Auto Sales. The cost of the XXXX was XXXX. I also purchased a warranty and Gap insurance policy my total amount financed was XXXX according to my credit report in XXXX of XXXX. Now since XXXX of XXXX I have made 30 consecutive payments of XXXX which adds up to XXXX which should leave a balance owed of XXXX. As you may know my loan was transferred to Westlake Portfolio Management in XXXX of XXXX they claim I owe XXXX and am needing to pay XXXX per day interest rate. I have tried to explain the situation to them but as a result am currently facing repossession of my vehicle. I thought I was rebuilding my credit with this loan and it has inturn harmed my credit immensely. I also am required by my contract to carry a sufficient insurance on my vehicle.
Product: Credit reporting 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. 
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 an 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. 

The following accounts has violated my rights. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly tried to lift a freeze my Transunion credit report online. Every time i check the site, it is unable to determine the status of the freeze on my report. Every time I have to call customer service.
Product: Money transfer, virtual currency, or money service

On XX/XX/19 at XXXX on Coinbase I sent {$300.00} to XXXX They say the transaction is complete but my money is not there. They will not discuss it with me over the phone and refuse to answer my emails. I dont know what to do Im out {$300.00} and they just get away with it. Please help
Product: Money transfer, virtual currency, or money service

I ordered tires for my car on XXXX XXXX and when you order them and want them to put them on your car for you, you need to have a authorization hold of {$100.00}. I ended up returning them or cancelling the order and they did not refund the {$100.00} just {$350.00} I even added up all my transactions and it shows {$100.00} missing. They told me they sent it already and gave been ignoring my messages ever since. They have held money before. Money is always just missing out of my account with no explanation
Product: Credit reporting, credit repair services, or other personal consumer reports

experian you are reporting an alleged account that is not owned by who you are reporting I have request many times that you remove this account enclosed is the evidence that you are maniplating consumer credit reporting seems you have been doing this a lot which violates the FCRA, your credit reporting needs investigated you are reporting this on your experian credit report dated XX/XX/2019 remove this violation of reporting at once. PLEASE DONT SEND YOUR TEMPLET LETTER THATS GETTING OLD ANSWER THE DISPUTE
Product: Credit reporting

Hello, I am writing because the agency XXXX XXXX XXXX is attempting to collect the wrong amount and also indicated that I committed a crime by not paying debt. I received XXXX " Notice of assignment to collection agency '' for XXXX unpaid citations. The unpaid citations are ticket number XXXX and XXXX with the XXXX DMV, which I contested well within 30 days ( I filed within & lt ; 10 days ) via the online ticket adjudication system, with reference number XXXX. I am contesting the tickets because I believe that they ticketed and towed my car without cause because there was no signage that I violated any parking laws. I submitted photos and documentation at the time of my claim. I have never received any further communication, either from the DMV or from the ticket adjudication system. However, my citations were sent to collections, although the XXXX DMV website says explicitly ( XXXX ) that " If you want to contest a ticket, do not pay the fine and/or penalty. You can not contest a ticket once you have paid the fine and/or penalty. '' The notice I received however says that XXXX is collecting on my " debt '' although I have not received any confirmation from the XXXX DMV about the final result of my adjudication. I contacted XXXX to resolve this issue but they directed me to the XXXX DMV. I also contacted the XXXX DMV multiple times without result. Also, I monitor my credit score frequently ( more than 3 times/week basis ) and my credit score has dropped over XXXX points ; I believe that as a result of my collections being reported to the credit agencies unfairly that this resulted in both the change in my credit score and a denial for a credit card application.
Product: Debt collection

IC Systems, INC is claiming I owe {$460.00}. They also falsely place information my credit report. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 
This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I looked at my credit report, and I noticed some inaccuracies.I sent a letter to Experian asking them to investigate these accounts ( XXXX Bank XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I sent it certified mail. They sent me their Investigation and said those accts are verified and accurate. And according to 15 USC 1681i ( 5 ) I see it states after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be Inaccurate or Incomplete or can not be verified. The credit bureaus did not reinvestigate and violated my right.
Product: Credit card or prepaid card

I am a consumer customer of US Bank XXXX XXXX XXXX XXXX US Bank has the highest interest bank affiliated credit cards. Consumers keep paying the cards interest as the bank sends out advertisements to trap the customers into using the cards to get money back as rewards without disclosing the trap of their high revolving interest rates. As an outstanding customer and a bank account owner I receive various advertisements for cash advance through the credit card line often. Us Bank sends out random checks to consumers enticing them to cash out advance checking loans. 
The advertisement says no interest for a year till XX/XX/ and they have different dates each time to allure the customers to quickly jump on the offer before it expires which is a scam to trap the consumers. 
What they dont say is the interest will be outrageous and immediate interest charges that are not disclosed as you start to use the money deposited in your account each time you take the money out there is a charge monthly. The checks dont have sufficient information on them because the push is No interest for a year. 
The cash advertisement is for {$15000.00} after the money was deposited into my account the representative made me to understand no charge will occur till XXXX XXXX  when the interest starts. My loan was for homeI renovations my plan was to use the money accumulate a lump-sum amount of the {$15000.00} and pay it back before the interest accrued. I realised they are taking some charge every month and when I asked the representative they said there is a monthly charge and did not explain why that information was not in the advertisement flyer attached to the check that they are asking consumers to deposit the amount needed for cash advance. 
Needless to say there is hidden catch not disclosed to the consumers and now they claim I owe {$11000.00} which is more than I owe when I count the monthly payments they have taken from my account already + the amount already paid off the remaining amounXXXX tax free should be less than what they claim I owe. The representative that I have spoken were uninformed and rude to me when I demanded answers. I called several and one had an infant crying in the background and she rushed me off the phone because she needed to attend to the baby. The other one answered while driving she cleared said she cant view the screen. One XXXX told me off the charges but could not respond to why this information is not communicating to the consumers before they commit to this disastrous endeavor.
Product: Debt collection

lvnv is trying to collect a debt from a XXXX card that I never opened
Product: Student loan

My son received federal student loans while attending college at XXXX State University. The problem is that before the loans went into repayment while he was still attending college, the service provider Nelnet, compounds the interest. This makes it nearly impossible to repay the loan timely and get the principal paid. Last year, he made approximately $ XXXX in payments, and over $ XXXX was interest only. These are ffderal student loans, why does the government take advantage of our students. May be legal, but it 's not ethical. In addition, statements and Nelnet in general is hard to deal with and nearly impossible to get information that makes sense. 

Son # XXXX is currently in college at The University of XXXX, and I 'm trying to make occasional payments to his federal student loans being service by Nelnet. I 've asked that the payments be applied to the interest so that when he begins repaying, the interest burden is n't so bad. Nelnet applies the payment to principal so that they can continue to compound the interest. 

Nelnet statements and information provided about a student loan is very misleading and confusing. 

Please audit and Nelnets practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised while I was oversees serving in the U.S. Military between XXXX - XXXX. During this time several unauthorized inquiries were made on my account. I have included the dates & names of creditors below. I have never authorized any of these creditors to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 

XXXX 1.XX/XX/XXXX2. XX/XX/XXXX 3.XX/XX/XXXX XXXX XXXX 4.XX/XX/XXXX 5. XX/XX/XXXX XXXX XXXX  6.XX/XX/XXXX 7. XX/XX/XXXX 8. XX/XX/XXXXXXXX  9. XX/XX/XXXXXXXX XXXX 10. XX/XX/XXXX XXXX XXXX  11. XX/XX/XXXX XXXX XXXX   12. XX/XX/XXXX 13.XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX {$680.00}, {$510.00}, {$1000.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim ... accounts were settled with original creditors ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX   or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U. S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit reports immediately : XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I received numerous calls and was even reported to the credit bureaus for a debt that Ive disputed numerous times. Each time the debt was disputed. I was told that it was assumed to be valid. I was being told I needed to file a police report for a very old death and to me I felt like they knew it wouldnt be done after sending you three different loopholes. This debt should be removed from my credit report, and Ive asked numerous times with no assistance, but constantly calling me to threaten court and legal proceedings.
Product: Credit card or prepaid card

As per Citicard mobile phone alert ; On XX/XX/2021 and XX/XX/2021, I had a credit balance of {$160.00}. 

On XX/XX/2021 and XX/XX/XXXX, XXXX as per Citicard mobile phone alert, I had {$0.00} balance on my Citicank account ending XXXX. 

Then I got a credit check of {$69.00} instead of my credit balance of {$160.00}. I want Citicard to return my credit balance of {$160.00} instead of {$69.00}.
Product: Credit reporting or other personal consumer reports

i have inaccuracies on my credit report and because of this its causing significant harm to my credit. Per Section XXXX of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this complaint. I also would like to delete all personal information that is not mine or not accurate related to this identity theft. I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were NOT AUTHORIZED BY ME and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities.
Product: Credit reporting or other personal consumer reports

I settled with a debt collection company on a debt originally owned by XXXX XXXX. The collection company is credit collection services. I paid the amount we agreed on to obtain a closed status on my account which I have not received. I have called multiple times trying to get them to change the status of my collection to close, they say they have but after 6 months the status of the collection is not reported as closed. They refuse to report the account properly as well as allowing me to escalate the issue within their own company telling me that I could not speak to their manager .I called their recorded line on XX/XX/2023 at precisely XXXX XXXX. It will continue to negatively effect me untill the status is changed to closed
Product: Mortgage

On XXXX XXXX I received a phone call from Phh informing me they were in receipt of a completed application.

Then I received a letter stating my account is in forclosure.

I informed PHH I can not afford to pay {$89000.00} for this property when I have already paid {$150000.00} of my hard earn money because tenants never paid me and I put {$50000.00} of my own inheritance money to fix this property up.

I tried to used the property as a XXXX XXXX XXXX but I never had the opportunity so XXXX XXXX in the XXXX went under water down hill. 

I would like for the investor to forgive this mortgage because I have suffered such a bad lost and spent all of my money just keeping my promise to help the banks out. 

I am also trying to getba loan for {$10000.00} to settle this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have previously contacted XXXX, XXXX, and Equifax informing the company that I have been a victim of identity theft/fraud. XXXX, XXXX, and Equifax are deliberately violating the Fair Credit and Reporting Act section 605b, which states that if a person sends documents from federal or state departments of an identity theft report then the agency must block the information from the credit profile. With my numerous attempts to get XXXX, XXXX, and Equifax to follow the law, they clearly feel as though the law does not apply to them. 

Remove the Derogatory account and all inquiries Please and Thank you