23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA, which it prohibits. They furnished this account that we did not agree upon and I did not sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. Moreso they did not follow the proper 5 step validation procedure which makes this unfair practices. According to the FDCPA, I am entitled to XXXX dollars, per violation as it is clear they violated my rights.
Product: Credit reporting or other personal consumer reports

These Lists Of Addresses Phone Numbers And Inquiries Doesn't Belong To Me And I Have No Knowledge Of Any These Addresses Phone Numbers And Inquiries Listed Below

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Southwest Credit Systems Has been reporting every month only credit report, when I don't recall ever even having a XXXX account. I've never received any notification of Collection activity via Mail or never received notification that I may dispute this collection account. This collection is also reporting an inaccurate address. This is A violation of my rights as a consumer, and a violation of the FDCPA right to notice of debt. I am requesting Immediate removal for this account off my Credit report From all 3 Major Credit Reporting Bureaus XXXX, XXXX, and XXXX, and to cease All Debt Collection Activity! if not removed I will not hesitate to bring legal action against you for Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act and Defamation of Character. Failure to remove will also result in A complaint to the FEDERAL TRADE COMMISSION.
Product: Debt collection

I'm getting repeated calls to my recently purchased phone number. Calls come from Americollect asking for payment of the debt and requests to call back at XXXX, although I have never used the services of this company and have no debts.
Product: Vehicle loan or lease

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT l bought the car and he was very bad with electrical mechanics problems and 3 time the car was returned to the dealer for almost killing me in the car i need to be removed because of my credit reports please that's why i returned it. I sent the car to get fixed and the insurance did not want to respond. They told me that i could take the car to any dealer to get fixed and they cover any charges. They charge XXXX dollars and then the mechanic spoke to the insurance company and informed the insurance company the problem and the prize of how much it would be to be fixed and the insurance company informed the mechanic to not proceed with fixing the vehicle. Know there reporting to my credit report and i don't see its fair for them top be reporting to my credit report. i return the car XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I traded my XXXX truck that was financed with Chrysler XXXX back in XX/XX/XXXX to a Chrysler dealer and purchased a new truck that was financed with XXXX XXXX the dealership never paid my remaining loan with Chrysler until 4 months later. I spoke to the dealer back in XX/XX/XXXX when i received notice of the payment and they told me they would take care of it and the payoff to the loan would be made.This dealership is located in XXXX XXXX FL ... But this did not take place, now resulting in my credit to be effected majorly ... This truck loan with Chrysler XXXX since the first payment has never been late as it was set up on auto payment and they can clearly review the history to see this is the case.I would never pay my payment late ...
Product: Credit card or prepaid card

XXXX XXXX- XXXX XXXX. They keep calling threatening me ' if you have an attorney have them call if not we will asset you are not interested in settling this matter and we will have to take further steps ' they send d letters I got one in XXXX stating pay. {$66.00} by XX/XX/XXXX. I paid XXXX yet they are not satisfied! I wAnt to pay my bills, but my husband and me ran into hard times. Try going through cold wuss with no heat taking cold shower s. It was more important to get oil so we had to let the charge cards go. Plus they don't work with you- by stopping interest they just keep adding it on. Please help they should be sued for harassment! I can not even ask questions when I call they know your information from caller I'd, yet they won't help or give info out. Today was the last straw I want something do e. Their number XXXX XXXX. Extension ( ( XXXX )
Product: Mortgage

To whom it may concern, My name is XXXX XXXX and on XX/XX/XXXX, I agreed to a loan modification agreement. A payment was made on that same day, to finalize the deal. However Quicken loans decided to report to ALL three credit bureau that I was late with my mortgage payment for XX/XX/XXXX. This is not true because I have a bank statement that shows I made a payment on the XX/XX/XXXX and it was taken out of my bank account on XX/XX/XXXX. I have reached out to quicken loans and showed them my proof ; however, they do n't want to change it. So I am requesting that CFPB, to intervene and assist me in having Quicken loans remove that negative remark from my credit report so I can refinance my property. Unfortunately I can not refinance my property because under NEW federal banking law a mortgage holder can not refinance his or her property until a one year has passed from the date of the late payment has passed. My mortgage payment is due on the XXXX of every month. XX/XX/XXXX was XXXX XXXX XXXX 's birthday and the banks where closed, but XXXX XXXX XXXX was aware of that holiday and they said the payment will be taken out of my account with no problems and they would not penalize me because it was a holiday. Plus you can request the phone records of the phone call that day between quicken loans and me, to prove my statement is true. I will be looking forward to your help in this matter.
Product: Money transfer, virtual currency, or money service

PayPal close my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistakes as i assume it has to be. I have not been able to get help from them for months but I just remembered i could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Product: Credit reporting or other personal consumer reports

accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inaccurate are stopping me from being able to buy a house or get a car to provide for my family these were accounts were not authorized by me.

15 U.S.C 1681 Section 602 A states I have a right to privacy 15 U.S.C 1681 Section 604 A : it also states that a consumer reporting agency can not furnish a account without my written instructions.

No person shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c2 of this title has resulted from identity theft.
Product: Debt collection

In XXXX 2015, I received a notice from a company named XXXX XXXX XXXX XXXX stating that I owed a debt to eBay. I called this company and also eBay and reported that I do not owe this debt as I had never sold anything on eBay. I also reported this to the local police as a case of potential stolen identity. In XXXX I received an email from eBay claiming they were reviewing this claim. 
On XXXX XXXX, 2015 I received a letter from another company named XXXX XXXX XXXX claiming I still owed eBay a debt. Apparently eBay allowed someone to link to my account without proper verification and now wants me to pay for their incompetence. 
I have already spent a great deal of my time attempting to resolve this issue. With my personal time and cost of consulting my attorney, this has cost me over XXXX times the amount that is claimed that I owe ( {$89.00} ). 
This has become quite an ordeal as well as generating a great deal of stress on me and my family. I am physically ill and I am concerned that this will adversely affect my excellent credit score ( + XXXX ) that I have spent a lifetime maintaining. 
I have attempted to describe this situation as briefly as possible. I have spoken with the debt collector, eBay and Pay Pal. I have also spent time making police reports, consulting with an attorney and responding to emails from eBay. I believe that they are purposefully attempting to " beat me into the ground '' in their attempt to collect a debt that is not mine. I have also spent time researching this and discovered that anyone can link to your eBay account without appropriate identification. I am shocked that a company such as this operates in this manner. They also do not cooperate with police agencies as they have thrown many bureaucratic hurdles in front of the investigating officer. 
Thank you for reviewing this complaint. I believe it is a microcosm of a much larger and systematic pattern of illegal practices by eBay. Most people probably pay rather than deal with this abuse.
Product: Money transfer, virtual currency, or money service

I set up an account with Square and as soon as I got my first deposit they deactivated my account froze my funds and wont answer any questions or call from my phone I have to use someone elses number not linked to my account. They will not give me a reason that they did this and refuse to allow me to speak to a manager or supervisor. When I finally get ahold of someone they just tell me they cant tell me anything and hang up!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion on several occasions that this Hard Credit Inquiry does not belong to me or is this company any where on my credit profile. I want this XXXX deleted from my credit report as I take my credit very seriously XXXX XX/XX/2017 Please remove this as this was unauthorized and no where on my credit profile
Product: Checking or savings account

On XX/XX/XXXX, I opened a Wells Fargo XXXX Checking account online. 

Later, I received a promotional offer to earn a {$2500.00} bonus with a deposit of {$250000.00}. The bonus terms stated that the offer was available to customers who upgrade an existing consumer checking account to a XXXX  Checking account. To be receive the bonus, the customer must upgrade the account to a XXXX checking account, and " bring {$250000.00} in new deposits to qualifying linked accounts by day XXXX and maintain at least a {$250000.00} balance through day XXXX after account upgrade or opening. '' On XX/XX/XXXX, I met with a banker in branch to upgrade the account and apply the promotion. There was a computer glitch, and for some reason the banker 's system was not allowing her to input a promo code. She filed an internal ticket and gave me a reference number, and said that the bonus should be applied to the account within XXXX business days. 

On XX/XX/XXXX, I transferred a XXXX IRA from XXXX to Wells Fargo, with securities worth approximately {$230000.00}. On the same date, I redeemed several XXXX Treasury bonds worth just over {$31000.00} into the checking account, bringing my combined new deposits to approximately {$260000.00} -- more than the {$250000.00} requirement to receive the bonus. 

On XX/XX/XXXX, Wells Fargo deposited a promotional bonus of {$300.00} into my account. 

I followed up at the beginning of XXXX with a phone call asking about the incorrect promotional bonus amount. The person I spoke with opened an internal case and told me that I should hear back within XXXX business days. 

XXXX weeks later, having heard nothing, I followed up again by phone. This time the agent said that the bonus requirements had been met, but the promotional deposit would not be made to my account until 30 days after the end of the promotional period. 

At the beginning of XXXX, I called again, and once again they opened an internal ticket and told me I should hear back within XXXX business days. 

My most recent call was on XX/XX/XXXX. The agent again said that the bonus should have been applied and opened another internal ticket. 

On XX/XX/XXXX I received XXXX separate letters from Wells Fargo, each with the exact same text. Each of them stated, " After reviewing your inquiry and the promotion requirements, we requested a payment of {$2500.00} to be applied to your account on or around XX/XX/XXXX. '' While I did receive a promotional bonus deposit of {$300.00} on that date, the remaining {$2200.00} is nowhere to be found. Although they acknowledge that I should have received the bonus, I seem to be getting nowhere with getting the bank to actually deposit the remainder of the funds.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account with inaccurate information. Several payments that were made on time are not being reported accurately. The consumer reporting agency is required to report all information accurately. This account has never had late payments. 

I have attached a copy of my report to this complaint. I am requesting an investigation and verifiable proof showing records of any late payments. If this information can not be verified, I demand that these payments be updated to reflect their on-time status immediately.
Product: Credit reporting or other personal consumer reports

In XX/XX/year> I settled with the law firm XXXX XXXX  assigned to my case. The account is still reporting inaccurately on XXXX and Experian.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I have been disputing my credit report with the correct information according to the FCRA. The disputes are not being filed correctly and the FTC report is not being attached to the disputes. And I am not getting the requested copies of the verification process. All of this is a violation of the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCHRONY FINANCIAL / GE Capital Retail Bank / Care Credit I had opened an account through my XXXX office with Care Credit in XXXX, I also co-signed for my wife 's account with for the same purpose at the same time. During the course of payments in XXXX GE posted pymts to my wife 's account, as opposed to mine, in the months of XXXX, XXXX & XXXX of XXXX. 

In XXXX of XXXX I spoke to them and they had in fact seen the error. I paid the account ( XXXX ) off in full XX/XX/XXXX to avoid any further issue. I was told by their rep, at that time, that I would receive a credit of XXXX for the late fees placed on the account due to their error ( which they applied on XX/XX/XXXX, and that the late payments showing on my credit report would be corrected. Actually, they said that the account would be bulls-eyed and that I should no longer see the account on my credit report after XX/XX/XXXX. I don't know what Bulls-eyed meant, but I was assured it would be corrected. The account had not been reported to the three major credit bureaus after that time as the last reporting was in XXXX. 

Unfortunately, after paying for credit monitering with XXXX, I noticed the account was still showing incorrectly on my credit reports and asked for an investigation. Now after 2 investigations, and a whole lot of the blame game and which entity is responsible ( I was told - call the creditor - no - call the credit bureau ). And after showing proof of my claim, I still can not get the information to get corrected and Synchrony Finanancial, whose rep 's have been extremly rude, and XXXX, whose rep 's seem to read off a pre-talking point memo, are refusing to correct the information. 

This is severely affecting, my otherwise, perfect credit, through no fault of my own.
Product: Student loan

Navient and XXXX XXXX loan companies. I took out loans for my XXXX  and XXXX. I was told by the University that they have 98 % hiring rate for new grads. * years went by and I still could not find a job. I finally got one now. During those eight years I had to take jobs that had nothing to do with my education. I incurred huge interest on my loans. I started with XXXX in debt and now it is at {$200000.00}. There is absolutely no way I can repay this back with huge interest rate. These companies pushing me into forbearance almost encouraging me every time I call to ask a question.
Product: Credit card or prepaid card

As far back as XXXX I was the victim of scammers on line. But in XX/XX/XXXX I found out that I had been the victim of Identity theft as well. 

I immediately contacted Bank of America ( I called and talked to a woman named XXXX ) and was told that I should contact the Federal Trade Commission, which I did. I filed a report with the FTC and mailed the letters they provided to all 3 of the major credit reporting agencies and Bank of America. I  also put a 90 credit block on my social security number and name since all of my personal information had been compromised by the scammers. I waited to hear back from Bank of America and the credit reporting agencies but didn't receive any responses until XX/XX/XXXX. 

I received a summons to two different court cases, even though both credit cards that had been compromised were with the same bank. I am being sued, by Bank of America, in Civil Court and I guess small claims court for all of the amounts on my credit cards, despite the fact that I disputed the portions that I believe the scammers and the identity theft were responsible for and can not afford legal representation due to being a XXXX veteran on limited income. I receive XXXX and a small stipend from the Veterans Administration as income. 

At almost the exact same time my son, who lives with me, was involved in a near fatal car accident by falling asleep while driving home from college ( he had earned his tuition through the XXXX  program to attend XXXX  University ) but when I tried to explain to Bank of America that I would be unable to pay even my portion of the bills I had legitimately accrued they never responded to my hand written letters and the only response I have ever received was the summons.
Product: Credit reporting or other personal consumer reports

Per my Annual Credit Report, Inquiries from XXXX  bureau does not match and is incorrect.

I would like these inquiries fixed as soon as possible. 

Transunion : XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I filed an IDtheft report sent to all XXXX agencies and they're refusing to correct my information.
Product: Checking or savings account

I have a checking account that I share with my fiance in both our names and he has an account that is just in his name. On XXXX  XX/XX/2022 we received 3 {$2.00} checks from a XXXX XXXX settlement. They were in the names of my children. We took pictures of the checks and deposited them into the account that was in my fiancs name. I was supposed to receive my unemployment check direct deposited into the account I share with my fianc on XXXX  XX/XX/XXXX. It never came. When it wasnt in the account the next day, I called chase to find out why. They said both of our accounts were frozen because of those 2. {$2.00} checks. They were 3rd party. After explaining that they were my children, they said that we had to bring their social security cards and birth certificates into the branch and they would have to fax them in. We did that the same day. As of today, our accounts are still frozen. Nobody seems to be able to help us. They say the branch never faxed the documents over and the branch says they did. I still cant use either account and unemployment says my check was rejected and sent back to them so I still havent received my money. We are suffering a lot because of all this and nobody wants to help. All this because of a total of {$8.00} worth of checks.
Product: Credit card or prepaid card

Recently I submitted a credit bureau request to have XXXX XXXX  XXXX XXXXTotal Card company review my payment history with the credit bureaus, rather then review my payment history, someone in the company on XX/XX/2020, decided to update my credit report from closed in good standing to charged off. My credit card XXXX was paid off and closed on XX/XX/2020 with payments made on time before the account was closed. The account was closed in good standing and the ENTIRE balance paid off. 8 months after my account was closed in good standing, someone at the XXXX XXXX  XXXX XXXXTotal Card fraudulently and erroneously altered my account status from " closed by consumer '' with a {$0.00} balance to " charged off. '' Someone in their company fraudulently and erroneously decided to fabricate that my card was charged off and they must be held accountable which is why I am contacting you. 

When I contacted the company on XX/XX/XXXX, they transferred me to their charge off department, the charge off department could not find a case for me because they said my account was never charged off, from there they continued transferring me back and forth between customer service and charge off recovery with no resolution. 

The reason the charge off department could not locate my file is because my account was never charged off, it was paid on time and closed. But someone in their company decided to fraudulently update my credit report as a charge off I believe as retaliation for me closing my account and paying it off and they must be held accountable. They are a corrupt company and who know how much harm they have caused to other consumers.