23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

Rushcard took my whole direct deposit from my account because of a system glitz they are having..i was told since the XXXX of XXXX that they working on getting my money back ..it is now XXXX..customer service wo n't help ... keep telling me it up to corporate office..i been treated so unfair for something that not my fault.i ca n't pay my rent ..im upset and dissatisfied with how they act like they dont carr..the sytem was suppose to have deposit my account twice but it didnt..but they took XXXX deposit out if my account..so ehen i got pay on the XXXX of XXXX account was in the negative..so they took XXXX of my XXXX check..now yhey gettinge the run around about my money..please help me get my money thank you
Product: Credit reporting or other personal consumer reports

Social security number is XXXX My complaint is that equifax has not removed all the hard credit inquiries they were not authorized I filed a federal trade commission identity theft report listing all inquiries and also on my report there's one negative account that shows 90 days late its a fraud account XXXX please have equifax removed the one negative item and the hard inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Resolution Services is attempting to collect a debt that does not belong to me. Account Resolution Services is reporting a delinquent medical collection account to XXXX, XXXX  and XXXX. I am not claiming this is fraud, so please don't suggest I file a police report or identity theft affidavit. I have requested adequate, sufficient validation of this alleged debt from Account Resolution Services on multiple occasions. While they have replied to my requests by mail, they have yet to provide me with legal, sufficient proof that this alleged debt belongs to me and that I am legally obligated to pay them for this alleged debt. Their incorrect representation of this alleged debt and delinquent account is hurting my credit score and I need this removed immediately. My first request for validation of this alleged debt was sent via XXXX mail on XX/XX/2021. They responded on XX/XX/2021 ( Beyond 30 days ) by mail with a very vague letter that contained little information other than a service date, an account number and what appears to be the name of a medical establishment. Most of the information I requested in my Debt Validation Request sent out on XX/XX/2021 was ignored and not included in their response. ( See my attached letter ) I went ahead and sent them a follow up Request For Debt Validation letter via USPS Certified mail on XX/XX/2021. I have included the receipt for this as well as the contents of my letter. They responded on XX/XX/2021 with the same letter that they originally sent out, again ignoring all requests for the information that I need to adequately validate and identify this debt. I have also attached this letter. I have yet to receive any form of SUFFICIENT validation of this alleged debt. This is the second complaint I have initiated with the Consumer Financial Protection Bureau and I am requesting legal action to terminate this account immediately and have it deleted from all major credit bureaus. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt ARS claims that I owe. I have given them plenty of opportunity to remedy the situation, and feel I've been more than fair. Since ARS is still reporting this account on my credit report, they are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from them by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from them within 15 days. ARS should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure their legal staff will agree that non-compliance with this request could put their company in serious legal trouble with the FTC and other state or federal agencies.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with AD ASTRA REC plus they did not provide me with the original application like I asked. 
Account No : XXXX Amount Disputed : {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX XXXX has extended/opened a line of credit to someone fraudulently opened an account under my social security. This company XXXX XXXX has extended credit to someone listed as me XXXX XXXX with the address XXXX XXXX XXXX XXXX XXXX, PA XXXX. I have never lived or have ever been associated with that address. I constantly send disputes directly with this company and the 3 credit reporting agencies. Each time I dispute this account, the company XXXX XXXX never sends me the documents I requested which are PROOF OF CONTRACT BEARING MY SIGNATURE, AND ANY DOCUMENTS SUBSTANTIATING THE ALLEGED ACCOUNT. This account was open under the address XXXX XXXX XXXX XXXX XXXX, PA XXXX I have never lived there. Each time I dispute this account with the XXXX, XXXX, and Experian they tell me in writing that they've contacted the company " XXXX XXXX  '' and the account is verified and accurate because XXXX XXXX says it is '' All 3 companies are violating of 15 U.S. Code 1681b. Altogether these 3 companies and XXXX XXXX has ignored my request to provide me with the proper documents that they supposedly have stored in their files that were used to Verify the accounts. I am certain that they have NOT verified, and CAN NOT verify this account, and according to Section 611 ( 5 ) ( A ) of the FCRA- You are required to promptly delete all information which can not be verified.
Product: Vehicle loan or lease

since XX/XX/year> i paid almost XXXX dollars then since they took my XXXX for standard payment other half goes to past due so for XXXX i should have gotten XXXX plus because of XXXX ish past due but i reviewed my bill i got XXXX ish dollars
Product: Credit reporting, credit repair services, or other personal consumer reports

wrong address on my credit report i can not removed it because i would have to call conn appliances inc to remove it I never lived at this address XXXX XXXX XXXXXXXX XXXX XXXX texas XXXX can i sued them for doing this to me and the
Product: Credit reporting or other personal consumer reports

I was working for XXXX XXXX XXXX as a employee and the owner contained all my personal information. After him having all my information he created a Acima account to buy merchandise for his shop. I was unaware of this transaction and I found out about it months into the chargers on my credit report. I attempted to get it removed and failed. I let it ride out due to frustration and stress in my life. Now that I am better and figured ways to fix this situation here I am now needing to remove this. The first payment was on XX/XX/XXXX, then on XX/XX/XXXX was the first failed payment XXXX seen on the history of my credit report. Since then the charges been piling up and my credit got ruined. The charge was only {$300.00} and since the charge was not paid the late fees added up to {$2700.00}. I need this removed because I did not sign up for the account of Acima and is not responsible for purchasing any lease. I did get fraud done to me and I have a witness that Im not the first victim of fraud done through acima from the owner of XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1. in accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 

2. 15 u.s.c 1681 section 602 a. states ihave te right to privacy. 

3.15 u.s.c 16 section 604 a section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX # XXXX
Product: Debt collection

I don't know if these practices are legal, per say, but I wanted to make someone aware. I made a purchase from XXXX XXXX XXXX XXXX in XXXX XXXX, CT. They outsource their financing " promotion '' through American First Finance and that is the company I am complaining about. The offer was to purchase a mattress with no payments for 60 days and no interest for the first 6 months. It wasnt until after signing up did we find out there was a {$50.00} early payoff fee ( on top of the {$50.00} for applying for this service ). When going online to make payments, there was no easy option to do so. They do not let you remove or edit your account information ; only add new accounts. They also had prescheduled payments through the end of the year ( XX/XX/XXXX ) without my permission, to be automatically debited from my account. This would put me way past the 6 month " no interest '' time frame, and I had not option to change or remove. I made a {$75.00} payment on XX/XX/XXXX and the website gave the option of counting towards your next scheduled payment or not. I chose to count towards my next scheduled payment and the website populated a next auto-debit date of XX/XX/XXXX ( {$24.00} ). They then debited my checking account on XX/XX/XXXX without my permission. Attempts to rectify with them were useless. I decided to just pay off the remaining {$160.00} balance and any fees. They accepted my payoff, deactivated my online account immediately ( not sure why ) and then emailed a reciept of payoff. Two days later they debited a different account that was used in determining my credit qualifications, over {$500.00}. I called and they confirmed they debited in error and do not know where this amount came from since my balance was only {$160.00}. They said they would return the funds in 7-10 business days. In the meantime, my account is incurring late fees. This is the worst finance company I have ever dealt with and I am concerned that they still have my account information.
Product: Debt collection

Stafford Group and Associates bought a debt from XXXX XXXX  in the amount of {$5300.00} regarding a charger that I had purchased back in 2019 from XXXX XXXX ( XXXX XXXX  XXXX  ). Within a month, the car 's transmission faulted out and was covered by the warranty under the vehicle. Due to the fact the car was non-functioning XXXX XXXX  agreed to return my initial deposit and 1 payment that was made on the car. Because they gave me back my deposit and payment we signed paperwork completely dissolving the agreement that was signed, by mutual agreement. Stafford Group & Associates is now trying to collect on a debt that was dissolved. This is inaccurate, illegal and I have the paperwork from XXXX XXXX to prove this. I have never had any contact with Stafford Group & Associates either regarding this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit score on XXXX XXXX and realized it dropped 20 points. When I went to figure out why I realized someone opened a credit card in my name and maxed it out with a balance of {$1000.00}. I called the credit card company, Synchrony, and filed a fraud claim and had the account closed immediately.
Product: Debt collection

XX/XX/XXXX XXXX XXXX Debt collection of {$4500.00}. This is not nor was it ever my debt. This is not my account. 

XX/XX/XXXX XXXX XXXX XXXX XXXX collection of {$190.00}. Again, this is not or nor was it ever my account.
Product: Checking or savings account

I opened a CD account of {$20000.00} online under Wells Fargo on XXXX XXXX Fri., 2023. Wells Fargo opened a CD account of {$200000.00} under my name on XXXX XXXX Fri., 2023, {$180000.00} is not coming from any of my accounts within Wells Fargo or transferred by me from any other places since I don't have such amount of money. On XXXX XXXX Sun. 2023, I had made 2 calls to Wells Fargo ( XXXX ) in the morning and tried to let them know what happened but they can't solve it and asked me to call another no. ( XXXX ) from Mon. to Fri.. I called XXXX in the morning of XXXX, 2023 ( yesterday ), and the banker told me that he will need to go to another department then call me back. He called me back and asked me to call XXXX, I called and they can't solve it and asked me to go to bank counter for solution. I told them that I am not close to any of their branches, and who is paying my time/transportation and such, I am not the one who made the mistake and they should solve it internally. Wells Fargo made a mistake and I informed them. It is also suspicious that Wells Fargo could fraudulently stash the money that is not belonged to me or any account holder in the CD accounts or any individual account due to the scandals Wells Fargo had.
Product: Debt collection

This is account does not belong to me! I have never had account with this company nor have I ever done any type of business with this company. Additionally, this account was added to my credit in a negative manner while being in a pandemic which is VERY unfair, it already hard to make ends meet and placing a new derogatory mark on my credit certainly did not help at all. Because I am not responsible for this debt, This collection should be deleted from the 3 major credit bureaus as it is greatly affecting my credit.
Product: Debt collection

Repeated calls from Direct Recovery Services. I am not the person they are trying to reach yet they continue to call. I don't even know whomever they are trying to reach. I've had this phone number for more than 10 years, so there's no way they can claim their information is current or appropriate.
Product: Debt collection

Ask them to send verification of the debt they say I owe, they sent old copies of some old credit card statements over 10 years old, I asked them to stop calling me and my work place, they continue to call and harass me, about debt thats over ten years old, the company is Portfolio Recovery
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), it is illegal to report information on my credit report without my written permission ( 15 U.S.C. 1681 ( 2 ) ( a ) ( i ) that you, the XXXX, Experian, and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of charge offs that is now taxable income ( no 1099-c ) not disputable debts, closed accounts, and collections accounts opened at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX the credit bureaus are re-aging, updating, and reporting closed inaccurate accounts and collections as open accounts which is illegal under the FCRA compliance XXXX Never received the debt contract requests from any of the companies mentioned. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and the accounts and inquiries listed below were fraudulently added to my credit file. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request your immediate action to remove the following information : Fraudulent Accounts : 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 XXXXXX/XX/XXXX
Product: Debt collection

There was a lawsuit Reese Law Group on behalf of XXXX XXXX XXXX sued my son and I over a multi-car accident. The judge proposed decision to {$8300.00}. Then, it was modified, because my liability was limited to {$5000.00} in economic damages and {$1800.00} in non-economic damages. A total judgement was entered for the amount of {$8200.00} on XX/XX/XXXX. 

I called Reese Law Group many times to settle it. They gave me a direct line to a person that was handling my case. I called her many times and left her voice messages, but she never called me back. She picked up a phone two times and she said that she would call me back, but never did. 

In XX/XX/XXXX, I received a letter from county of XXXX stating that a lien was filed on my name and my son 's name. I emailed the judge and asked him for help. He suggested that I call XXXX XXXX XXXX directly. I called XXXX XXXX XXXX XXXX and left her a voice messages, she did not call me back. 

On XX/XX/XXXX, I received an email from Reese Law Group supervisor and he said that I need to pay amount with accrued interests in the amount of {$590.00}. I explained him that I had tried contacting them to resolve, so the interests should not be charged, but he declined it. He said that if I don't pay, they are going to more damage that they had done. So, I decided to pay and deal with interests later. Then, he twisted the judgement language and said I owe them {$8800.00} and my son owes them an additional {$1600.00} and to satisfy the judgement they ( XXXX XXXX and Reese Law Group ) will need {$10000.00}. If not, they will do more financial damages to us. 

Please help!
Product: Credit card or prepaid card

On XX/XX/2020, I made a XXXX reservation, it cost {$620.00} I cancelled an hour after, but XXXX did not give me my full refund so I disputed with Amex, Amex sent me two letter saying they issued me a credit then XX/XX/XXXX, they said they would rebill me the {$620.00} I need my money back because this is unprofessional, since XX/XX/XXXX I have been stressed out about this dispute, I cant let go of my hard earned money, its so unfair, apparently they said XXXX wont give me back half of my money because I canceled within 24hours, that is very absurd, I have been waiting since XX/XX/XXXX, now they want me to wait till XX/XX/XXXX, for what, I cant believe they would side a merchant against their customer
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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

The creditor ( s ) is reporting that my wife, XXXX XXXX, and I opened an account with their company on XX/XX/2003. This is not correct. The company continues to report inaccurate information to the credit bureaus. I've asked for the original contract that we signed with them on XX/XX/2003. This information has not been received.