23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ) {$890.00} XXXX XXXX XXXX XXXX RE : account # I am sending this letter in response to a letter you sent me on ( XX/XX/year> ) I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ). I am NOT requesting a verification but I am requesting for validation. Please send me copies of the assignment contracts to the address above that shows I owe this alleged debt to your company. I request that your office provide me with evidence that I am obligated to pay you. Please provide me with the following information : 1. State what the money you say I owe is for 2. How did you come to determine that amount 3. Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe 4. Show me the proof that you are licensed to collect in my state ; provide your license number 5. Provide me with proof that the statute of limitations have not expired 6. A valid, legible copy of the agreement stating the debt and interest charges 7. Assignment Contracts If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop. Thank you
Product: Debt collection

I have been a victim of identity theft. someone has access to my credit profile and has applied and receive multiple fraudulent accounts in my name. please remove all accounts. thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

BMW financial services is reporting me 30 days delinquent for my XXXX XXXX 2017 payment. I made this payment and it withdrew from my account on XX/XX/XXXX. Less than XXXX calendar days later. It was due on XX/XX/XXXX and posted to their account on XX/XX/XXXX.  There should not have been any credit reporting. This has dropped my FICO score significantly.
Product: Credit card or prepaid card

INTERNET MESSAGE RECEIVED BY THE ATTORNEY GENERAL 'S OFFICE ON XX/XX/XXXX RE : Synchrony XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX Website : XXXX Transaction Date : XX/XX/XXXX Amount Paid : XXXX Payment Method : Credit Card Subject : Credit Card XXXX I am contacting in reference to a purchase made through my XXXX XXXX XXXX Synchrony card. My original purchase had a delivery date of XX/XX/XXXX for a portion of my purchase which totaled {$2200.00} to synchrony. The second shipment was to be delivered was XXXX to Synchrony which totaled {$3600.00}. 
Initially, I disputed XXXX due to it wasn't XXXX of my purchased amount listed above but I called XXXX XXXX XXXX to find out that they were billing my purchases separately. I had to dismiss the dispute and this took a few months to fix. I called XXXX XXXX XXXX and Synchrony to ensure this was fixed. However XXXX XXXX XXXX took responsibility for the error and Synchrony has not fixed the amount on my account since day XXXX. Synchrony has doubled and tripled some of the purchase amounts. It is a year since I purchased the bedroom set. As of right now my balance is showing as {$4200.00}. My balance has even been over XXXX. Which is all incorrect. I have called so many times to no avail. I have been told over and over this will be fixed however its not. Meaning, I have called weekly & monthly since this circumstance happened. I have spoken to customer reps and supervisors and to no avail. Another issue is they have reported these inaccurate amounts to my credit reports every month. I wish I could include my receipts for my orders from XXXX XXXX XXXX which I provided to Synchrony as well. I also have XXXX statements which both have the totals wrong. I confirmed my actual purchase amount with XXXX XXXX XXXX twice as well. Due to the fact I have called Synchrony weekly and monthly for almost a year I am requesting your assistance. In addition, I have been making payments on this as well. My current total as of XX/XX/XXXX should be {$2800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120-180 ) plus days late on the XXXX partial account number ****XXXX. ( Please see page attached from my credit. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Checking or savings account

Got a text from chime asking if I tried to make a charge I said no then got a call from them was on the phone for XXXX mins then all my money was gone I have screenshots of everything
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent somebody {$160.00} through Paypal to buy a XXXX. They said they never received this payment even though it processed. They then said that they needed my Bank account login, Debit card information, Paypal login, and address to start a refund. When I gave them this information they then made multiple payments on my account through Paypal and XXXX. I did not dispute them until now because he said that is what XXXX support told him to do. He used the address I gave him to mimic my IP Address with a VPN. He also used something to mimic my device and I'm not sure what it was. He did this so when he made payments he would not trigger any fraud alerts. There were multiple payments he made, but the ones that went through were {$93.00} on Paypal, {$220.00} on Paypal made on XX/XX/year>, {$270.00} on Paypal made on XX/XX/XXXX, {$90.00} on XXXX made on XX/XX/XXXX, {$110.00} on XXXX made on XX/XX/XXXX, {$70.00} on XXXX made on XX/XX/XXXX, {$30.00} on XXXX made on XX/XX/XXXX, {$5.00} on XXXX made on XX/XX/XXXX, and {$250.00} dollars on XXXX made on XX/XX/XXXX. There were 2 transactions he made where he forgot to use his VPN and they both triggered fraud alerts. The 2 transactions were the {$250.00} on XXXX, and a denied {$280.00} payment on XXXX on XX/XX/XXXX. They locked my account and had me get a new debit card. This proves that he had access to my account to make transactions without my authorization. I did not know that these classified as fraud when submitting my initial claims to XXXX so I filed some incorrectly. I have filed an IC3 complaint already. I have attached the screenshots of me giving him my Bank account login, Paypal account login, Debit Card information, Address ; The Bank account login from a different device, The failed {$280.00} XXXX payment and The IC3 Complaint.
Product: Debt collection

I submitted this complaint before but it was the wrong company. Several months ago a woman named XXXX XXXX contacted me about an account that was with closed, or paid off, in fact I never received any paperwork, I paid XXXX a month, then my account was hacked and I become ill. She began calling again. XX/XX/XXXX my father XXXX and a short time later she called again. this time she said I owe XXXX dollars, adding to it instead of subtracting the money I paid. Then she said it was to bad about my dad, but last time you said your account was hacked, she was really rude and intimidating. I hung up and started to cry. She did not believe me that was obvious. I sent the company a copy of my father 's XXXX XXXX to prove I was not lying. I do n't even know what this money is for. And this XXXX XXXX is rude and intimidating.
Product: Checking or savings account

Two wells fargo employees at XXXX XXXX XXXX XXXX GA location approved and cashed a mobile deposit they shouldn't have because the check did not clear and they dispersed the funds at the location drive through anyway and did not tell me it was coming out of the funds already in my account. Then when the check that I was under the impression cleared did not clear Wells Fargo took the amount out of my account and told me to take a hike essentially. They stole from me instead of reprimanding Thier employees who made a bad judgement call and taking responsibility for their error. They told me at the window they were giving me the funds for the check
Product: Credit reporting, credit repair services, 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.

Navy FCU ( Finance ) These companies have 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 furnish a 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.
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.Equifax and XXXX must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct erroneous reporting in my file listed on my credit report : XXXX XXXX XXXX XXXX Late Dates XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX  XXXX  collection is inaccurate, this is from an issue from late XXXX. Was under XXXX  XXXX XX/XX/XXXX. They keep transferring to another collection to affect my credit report more, with inaccurate dates and as new incident. None of the credit reporting agency did a proper investigation and just dismissed the dispute. They stated they called the collection agency and they said it was accurate. That was it, my consumer rights are being violated. It is fraud and intimidation to repeatedly transfer it just before it is suppose to be removed from the credit report. These collection agency are in the same area and it is obvious. If they looked at my credit report they would see was report XX/XX/XXXX and is not from an incident this year.
Product: Mortgage

This is in response to my prior complaint against Sierra Pacific Mortgage Company wherein they indicated they had " resolved '' my issue. In fact, they have NOT resolved my issue. Since their regulatory department failed to communicate with their mortgage service provider, which is XXXX XXXX XXXX XXXX, they proceeded to undo everything that had already been resolved via my initial complaint to them. They reversed all my payments made from XXXX XXXX, 2017 going forward and took back their {$10.00} fee. They did this reducing my P & I payment on XX/XX/2017 totaling {$1500.00} to Principal and {$1000.00} to Interest by re-applying it as {$1500.00} to Principal, and as {$1000.00} as interest, in essence reducing my Principal Payment by {$10.00}. Now, keep in mind that the issue had already been RESOLVED and they proceeded to undo everything that had already been righted previously in response to my complaint to you. I wrote to them again almost four weeks ago ( ONE MONTH ) asking why they had undone everything that had been corrected, but primarily to ask them to re-apply the extra my payment as originally applied, with {$1500.00} going to Principal. I have since then paid off my balance, so they are owed XXXX DOLLARS, but I continue, one month later to await my {$10.00} which they re-took from me once they started meddling with an issue that had, as stated ALREADY BEEN RESOLVED. And the reason they became involved again, besides there not being any communication between their mortgage department, service provider and regulatory department, is also due to the fact that it takes this company AT LEAST ONE MONTH TO RESPOND TO THEIR CONSUMERS. I continue to await the {$10.00} that they took back by reducing my payment original payment from {$1500.00} to Principal down to {$1500.00} to Principal. They should have left well enough alone ; the issue had been resolved and now it remains UNRESOLVED. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a XXXX XXXX XX/XX/XXXX and due to mechanical issues that car had to be turned back to the dealer to give me a new vehicle. It took 30 days for this to happen. Without my knowledge and being present the dealership ran my credit a second time on XX/XX/XXXX. I brought this to the dealership 's attention and they have removed their double inquiry from my credit report from XX/XX/XXXX but GM Financial has not. I did obtain a letter from the dealership regarding this issue but nothing has been done to remove this hard inquiry.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX XXXX of Birth : XX/XX/year> Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

USCB XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. 

This company collected a past due debt I paid off on XX/XX/20. They charged me more than the actual letter I received. I asked for explanation and was advised would receive a letter about it and also that I could request a paid in full letter. I have not receive anything yet. I called back and request made on XX/XX/20 second request made on XX/XX/20 and still not yet receive anything. There representatives are liars, assuring that I would receive this letter.
Product: Student loan

I have written and mailed in letters to this company regarding my college attendance. The status of the loan reported on the credit report is incorrect it should not be delinquent it should be current or deferred I have not received any communication back from the company no correction has been Made on this account by the company. I am currently attending college and would like the credit rating to reflect current not delinquency.
Product: Vehicle loan or lease

I purchased a car from XXXX XXXX in XXXX. I was initially told I was purchasing a XXXX and signed a retail installment contract to cover the XXXX XXXX  GAP insurance and financed car note. After signing the initial contract, I noticed the car I purchased was a XXXX. I went back to the dealership and they drew up another contract, but this time it was electronic. I was also told that I would be able to register the car in California even though I purchased it in Ga. After 6mo of going back and forth with the dealership and not be able to operate my vehicle due to it not being registered. I made a complaint to XXXX. The lender who financed my car was still accepting the payments even though my car was not registered. The dealership would not give me a dealer plate to operate the vehicle. After the complaint, I received an email stating to not take my car to XXXX from someone in their corporate office. I already had GAP protection and an additional vehicle protection plan that covers me for XXXX miles. I had to take my car to XXXX XXXX XXXX in XXXX because I was told each XXXX is an independent dealer and I could not get serviced there, so I had to pay out of pocket for warranty services that should have been provided. In addition, I began to have safety issues with the parking break disengaging while in park. One incident led to the car rolling out of it's parking space after I engaged the parking break, locked the door, and left the car alone. This continued to happen several times. I consulted with a XXXX lawyer and requested the car to be repaired. XXXX made me an offer saying they would give me cash and extended warranty and also told me to take the car back to the dealership that changed it's name from XXXX for an exchange or repurchase of the car. On my final demand for repair, I contacted my car loan lender to let them know and was told the car had been charged off, but not in repossession. XXXX and the dealership has caused this charge off because they did not follow through with their offers to cover the issues that are under warranty according to thev4th and final repair under XXXX law. In addition the car was kept for repair over 30 days and nothing was repaired.
Product: Debt collection

I requested proof of purchased from this debt from VANCE AND HUFFMAN LLC
Product: Credit card

I opened a Allegiant credit card through Bank of America on XX/XX/XXXX, XXXX If I spent {$1000.00} in the first 90 days I was supposed to receive {$150.00} in my Allegiant account to use on flights/travel. I spent the {$1000.00} and completely paid of the bill within 90 days. as of XX/XX/year> the points/money are not in my Allegiant account and their reps state that a software update has caused a delay. They were unresponsive when asked when the points would be in my account. I paid a {$59.00} fee for this card and completed the requirements. I would like a refund on the fee or the points to be placed in my account.
Product: Vehicle loan or lease

In accordance with the fair credit reporting act, this creditor, BMW FIN SVC has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy, 15 USC 1681, section 604 A Section 2 also states, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open in consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for the Chase XXXX  XXXX  card. 
EARN {$200.00} Earn a {$200.00} bonus after you spend {$500.00} on purchases in the first 3 months from account openings. 

I have excellent credit and they said that 7 years ago I had a collection that I settled back XX/XX/XXXX they said that they will never take that off the credit bureau probably do but they keep it forever and if that's the case I needed to know so I would never apply for Chase 's credit cards because I received a hard inquiry on my credit score and I don't want to keep getting hard inquiries with Chase if they do not take away the 7 years when I was young it was actually back in XXXX but I started to do better in my life so I considered settling for 400 and 50 something dollars. I spoke to the lender and the consumer Department and they told me they didn't know if they had a 7 years forgiveness
Product: Credit card or prepaid card

I applied for and received the Citi XXXX XXXX XXXX XXXX in XXXX XXXX ( account ending XXXX ). I paid the XXXX annual fee on XXXX XXXX XXXX and was using the card, and then Citi unilaterally closed the account on XXXX XXXX XXXX. I called Citi for a refund of the fee, since I had had the card for barely XXXX months and *they* decided to close the account not me and I was summarily rejected not XXXX but XXXX. So they charged me a huge fee but made it impossible to use the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, My name is XXXX XXXX and I am writing to dispute several negative items that have been reported on my credit report. Upon reviewing my credit report, I have found several errors that I would like to bring to your attention. 

Firstly, the following personal information is incorrect : Account Number : XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX. These names belong to someone else and should be deleted from my credit report immediately. 

Secondly, the following addresses are incorrect : Account Number : XXXX XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX. These addresses belong to someone else and should be deleted from my credit report immediately. 

Thirdly, the following personal information is incorrect : Account Number : XXXX XXXX and XXXX. These names belong to someone else and should be deleted from my credit report immediately. 

In addition, there are several accounts listed on my credit report that I have no recollection of ever belonging to me. Specifically, Account Number : XXXX XXXX XXXX XXXX, Account Number : XXXX with XXXX XXXX, and Account Number : XXXX with XXXX. I request that these frivolous accounts be removed from my credit report immediately. 

Lastly, Account Number : XXXX with XXXX has a payment history despite being a charge off. I request that this account be deleted from my credit report immediately. 

I understand the importance of maintaining an accurate credit report and I request that you investigate these errors and make the necessary corrections as soon as possible. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

No good outcome came out of this no investigation no replies
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TWO COLLECTIONS ON MY CREDIT PROFILE THAT I HAVE NO KNOWLEDGE XXXX XXXX XXXX XXXX XXXXXXXX company OF I HAVE NEVER BEEN THERE AND IWAS NEVER WARNED BEFORE THIS WAS PUT ON MY CREDIT PROFILE OF XXXX XXXX XXXX XXXX  IS IN XXXX I STAY IN XXXX  THIS IS CLEARLY IDENTITY THEFT OR A MISTAKE ALSO THERE ARE INQUIRIES THT ARE NOT MINE I REQEST THEYBE REMOVED I HAVE ATTACHED MY FTC REPORT also on one of the credit report it has my last four social as XXXX which is not correct please fix this immediately