23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had paid XXXX XXXX their installments on time. In XX/XX/XXXX, I submitted a XXXX claim to XXXX XXXX XXXX XXXX regarding a XXXX which left me XXXX. However, I was denied because I was already on a permanent XXXX from years ago. XXXX XXXX has charged me a XXXX premium since XXXX. They were aware I was on XXXX at the time of the enrollment. Since they denied my claim, I requested that I receive a credit for 8 years of premiums charged for XXXX coverage. XXXX XXXX issued a credit for only 5 months of premiums. They did not issue a credit for the remaining XXXX years of premiums AND interest that was charged/accrued during those 8 years on that account. I requested a new statement so I may review so I may pay the balance, if any, off. XXXX XXXX did not send a revised statement showing the deductions for the unauthorized billing. However, XXXX XXXX sold this account to LVNV and Resurgent Capital Services. I have attached letters requesting that LVNV send me an itemized statement of the balance and a copy of the contract which proves the XXXX XXXX sold them this disputed debt. LVNV violated the FDCPA Rule 809, validating the debt of {$2000.00}. After several phone calls and email, I told LVNV to explain why they added over {$1200.00} to the debt which had not been adjusted for the unauthorized premiums and interest. LVNV did not reply. Instead, LVNV reported to the Credit Reporting Agencies that I was delinquent on the debt. LVNV was not authorized to report anything to the Credit Reporting Agencies since it was a third party who did not validate the amount of the debt and that the debt was sold to them. LVNV has damaged my credit score since XX/XX/XXXX when they started reporting I was delinquent on the unauthorized debt, violating the FCRA. They continue to ignore the disputes I have filed with XXXX XXXX XXXX XXXX. It has been reported to CFPB regarding these XXXX coverages sold by third parties to Customers which compensated the person selling the coverage. The person who took my application knew I did not qualify and processed the application anyway. LVNV is a predatory debt collector who is operating a business that has defrauded me and my credit report. XXXX XXXX has stated that the debt was no longer on their books and did not try to collect it.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} ; ( Original Creditor : XXXX XXXX XXXXXXXX Balance : {$550.00} ; XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$320.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; DEPTEDXXXX XXXX Balance : {$0.00} ; ; DEPTEDXXXX XXXXXXXX : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXXXX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report went down recently due to an unknown XXXX account being listed on my credit report as an authorized user. When trying to contact XXXX they won't give me any account information or take me off even when I try to verify my identity. I tried disputing it, but It was not resolved in my favor and the account is still on my report lowering my score.
Product: Debt collection

Received two letters from Ad Astra Recovery Services saying I am seriously delinquent on a loan taken out in XX/XX/2022 from XXXX XXXX I don't know anything about this company nor have I borrowed money from them. 
Company is XXXX XXXX. Amount they say I owe is {$410.00}. 
Ad Astra Collection Agency File # : XXXX I called Ad Astra Collection and they identified the claim by XXXX XXXX and put a flag on it pending notification from you. Their Phone number is XXXX
Product: Debt collection

Receiving harassing call notifications from family and spoofed number tactics to repeatedly call. Informed due to hippa compliance i can only discuss patient information, not personal phone calls at work. XXXX proceeded to harass about debt
Product: Vehicle loan or lease

On or about XX/XX/XXXX I called for information regarding my vehicle and spoke with XXXX XXXX the bankrupcy specialist she stated. She explained what i needed to do to maybe get my title so that I dispose of a non running car or they can have the back and clear my record since she stated there was a XXXX balance, but yet the car was entered into bankruptcy in 2013 and actually no longer exist or should be a part of the subject as far as payoff amount. I did request that if paid can i then get my title which I was told I had to offer to pay between $ XXXX {$300.00} to get the title. Although it sounds like bribery but I also have been transferred, hung up on, told to submit documents over and over, she kept stating she was not receiving my emails, would not let me speak to a supervisor. When asked for complaints, I was told to go to social media XXXX, this is definitely the worst service ever received there and no other than to file this case to hopefully get the attention of someone in or that have some authority. I feel the NFCU bankrupcy dept specialist and supervisors have ignored my request and because I am a senior with a bankrupcy have not provided me the services I'm intitittled too when requested which is clearly also discrimination, which is another case.
Product: Debt collection

I received a suite from Superior Court today dated XXXX XXXX, XXXX today is XX/XX/XXXX. I am bey suited by a debt collector for the XXXX  XXXX XXXX by Attorney XXXX XXXX XXXX, XXXX with That, XXXX XXXX XXXX, XXXX, I feel that this has been too long and I do not owe this as it has been a year since paperwork was filed to Superior Court and I am now getting documents.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX, XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$1400.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 # ( private case number ) 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: Checking or savings account

I received email notification that a checking account had been opened in my name with Chime. I immediately called Chime and request that the fraudulent account be closed, however Chime refused to provide me any information regarding the account other than they had closed it. Per Chime advertisement, they issue both a debit card ( within 1 day ) and credit card when you open a checking account without running a credit check or XXXX XXXXXXXX XXXX. I am concern that they issued these cards without proper credit bureau verification to whomever ( anyone ) sets up an this fraudulent account, especially with all the data breach and identity thief that is happen on a regular basis. Even thought the checking account was closed per Chime, there is still a potential that the identity thief could use either of these cards ( debit or credit ) issued by Chime to cause damage to my financial reputation. Companies like Chime should not be allow by law to open checking accounts, or issue debit or credit cards without performing the proper credit bureau checks that are in place to protect consumers from fraud / identity thief. This type of financial offering encourage Identity thief since there is no way for me as a consumer to protect myself from this fraud. I have spend in excess of 6 hours today put fraud alert on my credit profile with the credit bureau and other agencies, which is not fair to me as a consumer because of Chime 's flagrant disregard for protecting consumers from identity thieves.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting at the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC. 1681. 
XXXX XXXX # XXXX, XXXX XXXX # XXXX and XXXX XXXX # XXXX and XXXX XXXX XXXX has violated my rights. 
15 U. S. C 1681 section 602 A States I have the right to privacy.

15 U. S. C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnished my account without my written instructions.

15 U. 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 credit reporting act.

15 U S C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 



XXXX. XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX, XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Product: Checking or savings account

I am a victim of fraud, on XX/XX/XXXX a transfer of funds from my chime banking account of {$1500.00}. On XX/XX/XXXX I received this text from chime CHIME Debit Card Activity, Transaction Date : XX/XX/XXXX Amount : {$130.00} XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Reply ( Y ) es or ( N ) o. I responded N ( o ) I immediately received a phone call as I was talking with someone who was supposed to be an employee of chime the person who I was speaking with was a chime support employee, who said they would help me resolve a transaction on my account, and that they wanted to shut down my account for 2 days. I explained that Im expecting my direct deposit this week. On XX/XX/XXXX at XXXX I received another call directly following my direct deposit. while speaking with the alleged representative they suspended my account for 60 days. ( CHIME BANK : A 60/Day suspension had been place on your account for your security and protection while banking with CHIME. We will issue out a notarize mail attached with a check for any funds available on the account after the completion of the 60 day review. 
To unlock account call XXXX ). After 2 days of trying to get back into my account I was able too and I noticed the alleged employee drained my account. The bogus transactions telling me to respond yes then no. And no or no then yes then no to see if my account and their system was working properly. Transactions sent to XXXX XXXX from my account numerous transactions between {$2.00} an {$9.00} + dollars for a total of {$1500.00} I called chime to dispute the charges, requested to talk to a supervisor in their fraud department. I began to explain to them what happened the lady told me I was an accomplice to the scam and then hung up on me. Please help! I have included a few screenshots of the charges to my account, I have many more
Product: Checking or savings account

i have voiced complaints about this in the past and have been told repeatedly that they pay checks ion order that they're received & that they post deposits first. I contend that neither statement is true.I have witnessed the opposite numerous times on XX/XX/2023 i had insufficient funds, as a wire transfer deposit came a day later than expected. Checks were entered from the largest amount to the smallest, or in descending order of amount. Had ALL the smaller checks been deposited first, most would have cleared with NO SERVICE CHARGES, yet they put in the {$1700.00} check first, so they could charge {$250.00} in service charges!! Also they then did deposits last! I thought regulatory scrutiny had put an end to these usurious practices. It costs banks maybe {$2.00} per check on an overdraft, so that {$250.00} gross profit. Synovus Banks continue these fraudulent practices & there is no defense for these consumer practices.
Product: Debt collection

XX/XX/XXXX received calls stating I owed {$1200.00} to check n go and that my checks would be garnished they also contacted my wife and she sent {$700.00} to be paid without verification. They stated loan was taken out in XXXX in XXXX KS and I was living in Virginia at the time. Phone numbers are ( XXXX ) XXXX and ( XXXX ) XXXX. They also sent an email to my wife for her to sign documents. The company that called was XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I opened a Coinbase account in XX/XX/XXXX I purchase Ethereum {$1500.00} worth. Then I purchased Bitcoin {$2500.00}. I also purchased {$1000.00} in Lightcoin. I called in after the purchases at the time the company usually answer the phone right away. I communicated with employee at their XXXX at this time i called to see about fees on Ethereum purchase. The Coinbase Rep explained it to me and then asked if a two tier Representative in Finance could called me within 30 mins. I said yes. At this time he called me convinced me to buy to Bitcoin for {$25000.00} dollars and that Bitcoin would be {$40000.00} buy XX/XX/XXXX The reps or thieves put one of the Bitcoins in my account at Coinbase I saw in my account acceptable to my XXXX XXXX XXXX Account or XXXX XXXX Account. I only recieved to my accounts. Next thing you know my computer was on I look up to see! Bitcoin was transferred from my account without my knowledge. A {$18000.00} dollar transfer with no calls ne emails nothing. I called Coinbase for weeks. They were not answering phones this whole time which enabled this Fraud. I could not get through for weeks. Now that they answer they tell me a 2 level person handling my account will be in touch. They tell me dont file complaints or I will be Blacklisted, Help
Product: Mortgage

I am not a professional and am not an underwriter and am at the mercy of the mortgage assistance specialist with Flagstar to best direct me and stay on top of follow ups to help me COMPLETE a package for mortgage assistance. Ive been forced to file for bankruptcy to allow them the time to be able to assist me and again they are refusing to help me prevent this foreclosure due to some deadline date they are escalating with this avoidable foreclosure. I have tried BK and nothing they continue to neglect helping me in preventing the foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a report from XXXX  that my social security number was associated with another individuals account. Contacted XXXX and they states that the inquiry was made by oportun bank. Called oportun bank, and they stated that they do not have the ability to search for my social security number or associate it to an account, and they could only see the last four digits of it, and thus could not provide me with any information on what account may have been fraudulently opened using this social security number. Thus, ai could not obtain documents relating to any fraudulent transactions that may have been made or loan accounts that may have been opened using my personal information in violation of the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing inquiries on my credit report from Equifax and XXXX. My list can go on with dates and CSR I've spoken with. For the past 6+ months I've done everything these 2 credit bureaus have asked. I was told I needed to contact the companies that " pulled these inquires '' I did, I was told with all the inquires that my information wasn't on file. I would call Equifax and XXXX  and then was prompted to place a " fraud alert '' on my account. Equifax did and XXXX  failed to until I called for the 100th time. I was then told I needed to file a " police report. '' I went to the local Police department and was turned away. I then called Equifax and XXXX and was told that their was nothing the could do. Basically, I needed to leave them and let them fall off. I had NO ISSUES with XXXX  at all they placed the fraud alert and helped me dispute the inquires right away. I had 33 and was able to dispute all but 5. I then called again. I was told by a rep with XXXX  to file a complaint through CFPB. I have many on both reports that are affecting my credit score. This is very exhausting and I feel I have no other choice but to file this complaint. Every time I speak to someone, we have such a language barrier and ask to be transferred to a US rep. I'm told that the US office is closed. I'm very frustrated.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a complaint explaining that Transunion is unfairly listing an account on my Credit report as included in Bankruptcy, after submitting proof that my bankruptcy is over 10 years ago and proof that XXXX has this account as settled or paid for less than the full balance, Transunion decided to make a change to my account on XX/XX/XXXX and change the paid status to account paid in full or charge off and remove any negative remarks. Unfortunately, Transunion decided to break the law under the fair credit reporting act on XX/XX/XXXX and changed or updated the account in the investigation back to Paid status UNKNOWN and Remarks Chapter XXXX Dispute of account information- This is a negative remark which is affecting me personally. The XXXX account is XXXX and was opened on XX/XX/XXXX, my Bankruptcy was filed in XX/XX/XXXX and discharged on  XX/XX/XXXX. I am resubmitting all documents and I hope Transunion will take immediate corrective action. If I do not see any corrections to my credit reports I will file a lawsuit against Transunion for failing to do an effective investigation and report accurate information.
Product: Debt collection

Collection amount : XXXX I am disputing the alleged debt related to XXXX, which Tek Collect has reported to my credit file. This debt is invalid, and your attempt to collect it is inappropriate for the following reasons : 1. Service Not Provided : I never received the services from XXXX, meaning I do not owe this debt. 
2. XXXX Bankruptcy & Liquidation : The company has ceased operations and filed for bankruptcy, and I have seen no proof that you legally own this debt or that it is collectible. 
3. Failure to Provide Documentation : You have not provided a legally binding contract with my signature or any valid evidence that this debt is enforceable. Smile direct club did not fulfill agreement. 
Immediate Action Required Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am demanding : Immediate removal of this debt from my credit file if you can not provide full validation, including the original agreement with my signature and proof of a valid assignment of debt from XXXX to Tek Collect and that Smile Direct has not broken said agreement.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've identied inquiries on my consumer report as a result of identity theft. These items are not related to any transactions made by me XXXX XXXX A XX/XX/XXXX, EQUIFAX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX