23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have only used XXXX for my auto insurance and its saying something about XXXX XXXX for auto, however I only used XXXX. It says XXXX dollars debt thats in collections.. It says it was open XX/XX/2015. I have had XXXX for the past 6 years or more.
Product: Credit reporting or other personal consumer reports

Received a response from XXXX over at XXXX XXXX XXXX from my regarding of validation issues and I ask for her to truly verify what she is stating she states that everything was reporting accurate and everything has been accurate from start to finish. Everything has been true and there was never no lies or mistakes being reported onto my credit report to harm my credit rating or well being .. so I ask for her to show me and provide evidence on what she stated since I did but she could not. 

So for the account and its reporting I ask for her to fully provide evidence of what she stated From Names, balances, accounts status, active history, transactions history, last payment dates, statute of limitations times for the state of MI, and also the statement made that the account was open and never was closed also I ask her to provide all evidence that her and the company she works for which is XXXX XXXX XXXX still is and was complying with all applicable federal and state of mi laws. 

I provided all evidence on my end and communications showing her responses from her company and the reporting from them and the bureaus for her to prove to me everything is 100 % true. Back up your statements
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I submitted a complaint to equifax XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX regarding the INVESTIGATION and Debt validation XXXX. According to the FCRA an investigation should not take longer than 30 days and debt validation should not take longer than 15 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXXXXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX Balance Owed : {$420.00}, XXXX XXXX XXXX XXXX Balance Owed : {$2400.00}, XXXX XXXX Balance Owed : {$0.00}XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$550.00}, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my credit report and I noticed a credit card I didnt apply for under my name which is discover bank and I didnt do business with this company didnt apply for credit card back in 2018 with a XXXX balance I submit the documents but the account havent been removed yet and discover has a pending lawsuit against them for bad customer service and not taking this account off my records and never ask me to send documents and I did many times and they said they never got them and putting me in debt and I just lost my job because of them due to a bad credit score ... I need discover to leave me alone they are worst ... I didnt apply for discover back in 2018 account number ending in XXXX
Product: Debt collection

purchased a product from a company. then supposedly second company bought the first. i missed two payments then the monies were taken from a different bank account that was not connected to billing without my permission. i noticed the withdrawal then contacted the company and was told my account was charged off for non payment. whereas a payment was taken from my separate bank account not even a month prior to that conversation. also this company keeps calling everyday harassing even though i repeatedly told them to stop.
Product: Credit reporting

Attempting to refinance a mortgage. Lender indicated there were some derogatory marks from old credit cards that, based on Equifax retention policies, must remain on file for at least 7 years. Derogatory marks were due to a business partner 's XXXX and medical issues. In the last 5 years, all debts have been paid/resolved and current debt service payments have been paid on time. Credit scoring does not give any weight to financial hardships brought on by involuntary circumstances. This places an undue burden on individuals. Someone in the credit reporting field needs to take a look at this and come up with a scoring model that takes into account these kinds of medical/financial hardships. I believe this is a failure of the credit scoring process that unnecessarily impacts many individuals in this country.
Product: Vehicle loan or lease

I'm being contacted by Chase Auto Finance to pay an additional {$240.00} for a lease on a car. The final payment was due on XX/XX/18. I was going to be traveling and the beginning of XXXX. I wanted to get the car to a safer spot and purchase a new car before traveling. I talked to the dealership. They said I could drop off the car there but make sure I made my last payment. I made my last payment on approximately XX/XX/XXXX. That was the final of 36 payments for the three year lease. All my payments were made on time. Once I made that final payment, my lease account disappeared from my accounts on chase.com. In addition to that, Chase didn't cancel my automatic payment and charged me for an additional month. I had to reach out to my bank with which I have my checking account, XXXX XXXX, to get refunded for that money because Chase refused to help me with it. Essentially, it feels like I'm being punished for making all my payments and dropping off the car at the dealership instead of leaving it sitting in front of my house. I felt like I was doing the safe and responsible thing. I shouldn't have to pay money in addition to all of the payments that I was required to make and did make on time every month. 

I do not have any documents because Chase has not presented me with any since my lease was terminated. I've only received phone calls.
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. 

XXXX XXXX XXXX  # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) Account # : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # : 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 furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

WF CRD SVC XXXX closed account that does not pertain to me. Identity theft. Been calling for 2 years straight with no resolution. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX closed account that does not pertain to me. Identity theft. Have called multiple times since XX/XX/2023 with no resolution. 

XXXX XXXX XXXX XXXXXXXX open account that does not pertain to me. Identity theft. Called XX/XX/2023 and explain I will report as fraud. No resolution.
Product: Credit reporting or other personal consumer reports

XXXX, TransUnion, and XXXX continue submitting a collection of {$360.00} from XXXX XXXX XXXX. The amount is inaccurate. I had been overcharged from an insurance company, " XXXX XXXX ''. XXXX  XXXX is pay by the mile insurance through an app. They refused to accept my mileage photo, claiming it was a fake picture. They also would not cover specific damages on my car until I filed a complaint against them. And I canceled my insurance policy. They are also trying to charge me for miles I used while out of state. It is against their policy, which claimed the insurance is not active while out of state. I had been overcharged for miles, and I refused to pay for miles I did not use. This company is a scam. They still try to charge for miles even while you are in someone else 's vehicle, or a rental car with paid insurance, despite informing them you are not driving. It is based off of an app. The photo I sent was also accurate, they had no reason to accuse me of lying. I canceled my insurance policy and now pay a monthly premium. They sent me to collections, and once again I refuse to pay for miles I did not drive.
Product: Debt collection

The debt they're saying I owe for an apartment in 2023 is incorrect. I've been living in my home for longer than that.
Product: Debt collection

Receivable Management Systems is assigned to handle my medical debts that I am not aware of. I tried to reach RMS via certified mail, but I never got their responses. They have multiple addresses. I have requested them to submit me a verification letter saying I owe two medical debts which I never have received any responses. Then, I have submitted them to delete my medical debts since that they have broken the HIPPA agreement as they did not responded back. The medical debts have been increasing over time while I tried to dispute with them. 

First medical debt : Original debt is {$350.00}, then now it is {$680.00} Second medical debt : Original debt is {$160.00}, now it is {$210.00} Those debts are for XXXX XXXX. I have disputed online that I am not aware about the second medical debt because I dont have XXXX  XXXX in Minnesota when RMS created in XX/XX/2020. It may be a false account to take more money. RMS also have charged me a few dollars every other week to drop my credit points long enough.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  # 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: Student loan

This company Navient sets unrealistic payments. They want me to pay nearly 400.00 a month and the only other option they will give me is to be put on deferment or forbearance. It is a scam. They do this to rack up over 90.00 a month in interest on my account. I offered to work with them to give them a payment I can afford so that I am making some kind of payment, but they refuse. They are so eager to put me on a deferment to accrue the interest. Its also worth noting that they bought out my original student loan. I also read online about a forgiveness for those who went to XXXX XXXX because of their shady practices and I couldnt get anyone to even talk to me about it. XXXX XXXX cancelled my program and I was not able to get a education but Im left with the bill. And now I cant even pay the bill because Navient cares only about racking up interest at 90+ dollars a month.
Product: Bank account or service

Is sold an item on Ebay and Paypal charged me a XXXX percent fee but I called customer service and they told me that Paypal does not charge a fee for items sold on Ebay. Ive been a loyal customer with Paypal for over XXXX years and will like if the please have the courtesy of resolving this issue by refunding he XXXX dollars charged fee or I will be selling my items on XXXX again and use XXXX payments and XXXX wallets instead of Paypal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RESPECTFULLY REQUEST FOR THIS COMPLAINT TO BE REVIEWED BY A HUMAN BEING AND NOT AN AUTOMATED SYSTEM. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2014 Credit Limit : {$5000.00} XXXX XXXX Account Number : XXXX is my oldest tradeline account with excellent payment history and, contributes positively to my average age of accounts. I never requested or consented for the removal of this account from any of my credit reports. Because the account was removed in error, it severely impacted the average age of my accounts. To help fix the problem, I submitted complaints to the credit bureaus to advise that the account number reported was not congruent throughout all three credit bureaus- XXXX, Equifax, and XXXX. XXXX reports the account number as XXXX, while both Equifax and XXXX report the account number as : XXXX. In addition, the payment history for this account was also reporting inaccurately, late payments. I was never late because I had a written agreement in place authorizing payments from my bank account. 

The response received from the credit bureaus after I submitted multiple complaints to them is that the account is not on my report and that they will send me a new credit report to reflect this update. THIS IS NOT MY REQUEST!!! I never requested or authorized anyone to remove the account from my credit report in the first place. Therefore, I demand for the account to continue reporting on XXXX, Equifax, and XXXX. 

Attached is documentation in support of this complaint.
Product: Debt collection

I have received a letter claiming to be a debt verification letter from Nationwide recovery systems , Ltd on behalf of XXXX XXXX XXXX XXXX, XXXX. The letter is just a bill and doesn't prove anything. I need them to validate the debt according to the Federal Fair Debt Collection Practices Act ( FDCPA ). On top of that, this is the 2nd time XXXX XXXX XXXX XXXX has tried to come after me on this allege debt as per compliant ID XXXX. This is harassment and violates the Federal Fair Debt Collection Practices Act ( FDCPA ).
Product: Credit reporting or other personal consumer reports

I don't have any idea about this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 


XXXX XXXX {$1300.00} XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$150.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} XXXX {$370.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Product: Consumer Loan

I took out a personal loan with Springleaf Financial, which has merged with OneMain Financial recently. I am unable to obtain accurate and timely information about my account and payments due from OneMain. On XXXX XXXX, 2016, I made a payment of {$730.00}. This was for reinstatement of the loan to current since I had missed XXXX payments ( XXXX - XXXX 2016 ). My monthly payment amount is {$170.00} on the XXXX of each month, so I assume the difference of {$32.00} included late fees? On XXXX XXXX I spoke with a representative about my XXXX thru XXXX payments. The representative explained that I was past due for XXXX and XXXX ( true ), and that the XXXX payment was due on XXXX XXXX as per usual. The total amount due was {$570.00}. I questioned this amount because {$170.00} XXXX 3 months is NOT {$570.00} ; there was a difference of {$45.00}. She explained that there were late fees outstanding and an NSF fee from XXXX 2016. This was a surprise to me because if I paid a lump sum on XXXX XXXX, all fees should have been included in the 'amount due ' when I made the payment. The rep confirmed the fees were not included. She stated that she would request a waiver of a {$15.00} late fee and payment of {$350.00} would bring me current until my XXXX XXXX payment of {$170.00} was due. 

Alas today is XXXX XXXX and my account still shows a past due balance of {$570.00}. I called OneMain to question why my payment of {$350.00} has not been applied, and what happened to the late fee waiver? The rep explained that on his end he can see an amount due of {$200.00}. I have enclosed a screenprint of my online account so you can see the amount online does not match what the rep instructed me to pay. He then came back and stated that the late fee waiver was not updated in the system because they are n't reflected until the payments post. Why has my payment not posted in 8 days? 

I am further frustrated by the lack of any valuable detail on my billing statements. They do not break out the origin of outstanding fees, the date said fees were incurred, how my payments are applied toward principal, interest, etc. I have attached several months of billing statements to substantiate this claim. These billing statements are as useless as the online account. The representative I spoke with today is now confirming that I only owe today 's payment of {$170.00} which I have literally NOWHERE in writing. The rep states that he can send a 12 month payment history to validate how my payments have been applied but I have no confidence whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft XXXX XXXX XXXX XXXX XXXX XXXX, Used XXXX   XXXX Student Loans XXXX Auto Reseller XXXX XXXX Auto Financing Companies XXXX XXXX Auto Financing Companies XXXX XXXX XXXX XXXX All Banks - non specific XXXX/XXXX Department And Variety Stores - non specific XXXX Personal Loan Companies XXXX   Personal Loan Companies XXXX Personal Loan Companies XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX Automobile Dealers, Used XXXX XXXX XXXX Finance Companies -  non specific XXXX XXXX XXXX XXXX XXXX Credit Unions XXXX XXXX
Product: Credit card

In accordance with the Fair Credit Reporting Act this creditor violated my rights under 15 USC 1681 section XXXX states that I have the right to privacy ( 15 USC 1681 section XXXX section XXXX ). It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting

On XXXX XXXX, 2014, XXXX XXXX XXXX put a hard hit on my credit report that was unauthorized. Mid to end of XXXX 2014 XXXX sent a request to the XXXX consumer reporting agencies to have the inquiry removed. Trans Union is still reporting this inquiry even though it was supposed to be removed. This inquiry is negatively impacting my credit score and I would like it removed, as it was supposed to be done over a year ago.
Product: Checking or savings account

XXXX charged me twice for my monthly payment. I contacted XXXX and they are claiming to have sent a refund, but the bank is saying they have not received it. My account went negative and I need to pay other bills.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX and yesterday I was victim of a phishing attack on XX/XX/2024. I was about to close on a home and then I got a mail from the imposter who introduced himself as XXXX XXXX, loan processor. 
I was asked to wire XXXX USD to a fake escrow company, and I fell for it. 
The wire transfer was sent from my XXXX XXXXXXXX XXXX account ( account # XXXX  ) and the wire transfer request number is XXXX. 
Transaction Id : XXXX The account number that I was asked to transfer the money to is ACCT # XXXX I request you to kindly block this wire from going to the above account. I have also informed the police and also reported to ReportFraud.ftc.gov. 

Following is the instruction that I received : ACCT NAME : XXXX Title and Escrow XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX ABA # XXXX ACCT # XXXX BANK NAME : DEUTSCHE BANK XXXXXXXX XXXX XXXX  ADDRESS : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Please Reference : XXXX XXXX XXXXXXXX XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Other company involved is my bank : XXXX XXXX XXXX. They don't have fraud helpline active from XXXX XXXX PST to XXXX XXXX PST. If this facility was provided, they could have acted immediately. They let me wait almost 14 hours before they issued a XXXX recall. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I have filed a IC3 complaint with the FBI and also with the local police department.
Product: Credit reporting, credit repair services, or other personal consumer reports

Flagship credit acceptance reported that I paid a payment late. That is not true i am asking them to show documentation that the payment was late or remove from my credit report
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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.