23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account 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 : also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

XX/XX/ SELF FINANCIAL, INC REPORTED THAT ACCOUNT WAS DELINQUENT ACCORDING TO STATEMENT DATE A PAYMENT WAS MADE BEFORE THE REPORTING DATE OF XXXX XXXX XXXXSELF FINANCIAL , INC. FALSELY REPORT TO THE CREDIT BUREAUS THAT PAYMENT WAS MADE LATE XXXX XXXX SELF FINANCIAL INC . ADMITTED TO CHANGING THE STATEMENT REPORTING DATES WITHOUT INFORMED CONSENT
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items 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. Here are the list items that needs to be delete in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The below inquiries appeared on my credit report but I did not authorize them to happen. I reached out to the police and they advised they no longer handle these issues and to contact the agencies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

" I am writing in response to a debt collection notice from Columbia Debt Recovery regarding account number XXXX. I acknowledge receiving the original agreement from the debtor. However, I am requesting additional verification that Columbia Debt Recovery has the legal right to collect this debt, as outlined under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. S 1692 and the Truth in Lending Act ( TILA ), 15 U.S.C. S 1601 et seq. Specifically, I request proof that Columbia Debt Recovery has been assigned or authorized by the original creditor to collect this debt, including a complete chain of assignment or transfer of the debt. 
In accordance with FDCPA Section 809 ( a ) and ( b ), I also request a full breakdown of any interest, fees, or charges that have been added to the original debt. Under FDCPA Section 809 ( b ), I request that all collection activities cease until this validation is provided.

Additionally, if Columbia Debt Recovery can not provide the requested documentation or prove their legal right to collect the debt, I request the immediate deletion of this debt from my records as it is invalid under the above-mentioned consumer protection laws. 

I trust that this matter will be resolved promptly and in compliance with consumer protection laws. ''
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : 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 : Date of Birth : XX/XX/1990 Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

With all due respect since last year in XXXX, you are denied me and then in XXXX and here it is 60 days later every 60 days you all are playing games you all close XXXX XXXX, closed my account and open it back and compensated me with a measly {$500.00} to years ago listen either youve got a compensate me. Are you not please find somebody else to play with! Wellsfargo Closed my Checking in XXXX  and opened back up Sent me {$500.00} measly XXXX ago You say A Year ago was going to compensate me and havent I have problems With Ovedrafting Fees {$500.00} or More lots a Times Listen if you are not going to compensate me and since a year ago, youve been saying that and now 60 days later youre telling me I got ta re-redo it no let me know either you got ta compensate me. Are you not OK? Let me know.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  Balance Owed : {$5300.00} ; XXXXXXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I began disputing these items with the Credit Bureaus, and more specifically Trans Union and XXXX on XX/XX/XXXX. I sent follow up letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I believe the public records reporting on my credit report are not reporting accurately nor or they in compliance with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to get my information updated and correct as far a my address is concerned and in getting nowhere with these companies. I'm enclosing my identification and social so that this information be accurate and up to date on all of my consumer reports. The only address that's valid up to date, and accurate is the address in my drivers license. None others are mine or have belonged to methat should be on any consider report is the address on my drivers license. The other address pictures below should be removed as well as any other addresses on my record. They do not and have not belonged to me
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT WAS CHARGED OFF ON THE FOLLOWING DATE XX/XX/2021 and SINCE THEN THE ACCOUNT HAS REPEATEDLY BEEN UPDATED AS CHARGED OFF EVERY MONTH. THIS IS AN UPDATE IN THE PAYMENT HISTORY. A CHARGED OFF ACCOUNT SHOULD NOT INCLUDE AN ACTIVE PAYMENT HISTORY. THIS INACCURATE INFORMATION FALSELY MANIPULATES THE STATUTE OF LIMITATIONS. YOU FAILED TO INVESTIGATE THIS ACCOUNT PROPERLY AND YOUR NEGLECT HAS VIOLATED MY RIGHTS. I AM DEMANDING A DELETION OF THE FOLLOWING ACCOUNT : ACCOUNTS NAME XXXX XXXX  XXXX - ACCOUNT NUMBER : XXXX ACCOUNTS NAME XXXX XXXX  XXXX - ACCOUNT NUMBER : XXXX
Product: Checking or savings account

In late XX/XX/2023, I was enticed by advertising of a special offer ( hence forward : the offer ) posted at my local branch of JP Morgan Chase Bank ( hence forward : Chase ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, into applying for a Wepay credit card transaction processing machine ( hence forward : the machine ). I was vetted by various levels of Chase personnel, both at the branch and in other remote locations, received credentials to process transactions on line, and received the machine by mail. 

I started processing transactions consistent with my business and Chase terms of service in XX/XX/2023. My fourth transaction, which I processed on XX/XX/XXXX, remained pending ; on XX/XX/XXXX I received a Chase email telling me my account had been closed due to " high risk of chargebacks or dispute rate '', causing considerable damage to me and my business practices. This also put me in the position of not being able to fulfill my obligations stated in the terms of the offer, which were : I would receive a {$400.00} bonus after processing {$2000.00} in at least 5 separate transactions within 90 days of account opening. The bonus would have offset the amount Chase was charging me for the machine, {$330.00}, and processing fees for {$2000.00} worth ot transactions. In the following days and weeks, in response to my inquiries, I received further and contradicting notices as to how long funds would be withheld for. To this day, Chase has not completed the XX/XX/XXXX transaction for {$450.00} ; notifying me, at various stages, that that amount, or any other, could be deducted from my business account tied to the merchant account the credit card transaction processing machine relayed to. I have, and continue to have, an otherwise amicable 20 years relationship with Chase, entailing spotless conduct in my business and personal accounts. 

During the intervening 7 months, I have made countless telephone calls and in person visits to the bank; sent emails to various bank officials, and made myriad other efforts to resolve the dispute to reciprocal satisfaction ; to no avail. On XX/XX/2023, I received a written response declining my request for indemnification and started to patiently wait out the longest time lapse Chase had mentioned pertaining the missing payment. Once I saw no further recourse, I resolved to file this action. In my view, I am a victim of : false advertising by Chase and the entrapment it triggered ; fraudulent practices, as well as intentional damage to my business and reputation, and various violations of New York State and Federal Banking Laws. I wonder what effect this incident may be having on my ( till then scintillating ) credit rating. Chase 's staggering, arbitrary decision is causing me and my business additional damages, and I feel some of my basic civil rights have been violated. The resulting direct, immediate monetary damage, I quantify in USD XXXX plus interest.
Product: Debt collection

I 've asked this collection agency to not call me at work and keeps doing it. I just started working here in XX/XX/XXXX and I 'm afraid they are jeopardizing my new job with personal phone calls.
Product: Mortgage

I feel that I was a victim of discrimination. Around XXXX/XXXX/2014, I purchased a house and was financed by PennyMac ( XXXX. XXXX XXXX XXXX XXXX, CA XXXX ). My loan number is # XXXX. First reason why I feel I was discriminated, I feel because we are XXXX, PennyMac allowed its brokers to charge us higher fees for mortgage loans. Second reason is that I had clearly stated I was giving XXXX % of down payment to avoid paying a PMI ( Private Mortgage Insurance ) when I signed the closing documents, they had put XXXX % down payment. I called to tell I wanted to give XXXX % down and I was convinced by the broker to leave it at XXXX % telling me that my PMI would only be {$49.00} a month. I would like to ask if can start an investigation to see if other XXXX or XXXX customers were discriminated by PennyMac? This company should have recorded conversation when I called the agent to argue the amount of Down Payment. I think PennyMac only wanted to charge me the PMI of {$49.00} each month reason why they claimed they made the mistake of going with XXXX % down and convinced me to leave it like that. I am sure there is more victims like me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Early in XXXX ( probably in between XXXX XXXX XXXX Someone got into my PayPal account and added a debit card/credit card XXXX in XXXX expiration on XX/XX/25 ( VISA CARD ) with the billing address of XXXX XXXX XXXX, XXXX, NY XXXX as a payee- ( which is NOT my address ) On XX/XX/XXXX and XX/XX/XXXX, they transferred money many times until they emptied my account completely ( in a course of a few days ). 
XX/XX/XXXX - {$850.00}, {$870.00}, {$890.00}, {$950.00}, {$850.00} XX/XX/XXXX - {$830.00}, {$830.00}, {$800.00} TOTAL amount of {$5900.00} USD I contacted Paypal as soon as I saw it and they said it was authorized ( but I obviously didn't ). 
I opened an investigation with them which they concluded that it WAS authorized even though it wasn't. 

I am really upset. 

I never in my history with PayPal, I transferred those amounts on the same day like that. 
I don't have this debit card they added, nor I am not familiar with the address they used. 

THIS IS 100 % fraud and PayPal needs to take full responsibility on this matter! 

ALSO - On XX/XX/XXXX someone random ( XXXX XXXX ) deposited my PayPal account {$1700.00}. And then withdrawn it back in the amount of {$1800.00}!! 

I don't know the guy and they took MORE money than they originally deposited - I don't understand this at all! 

Something is connected somehow!
Product: Checking or savings account

XXXX XXXX trying to get funds from my closed account : Numerous calls to customer support to transfer monies from our account were refused due to security concerns. 
Transferred to a specialist that confirmed that the account could be closed and funds wired back to the original source Called back to advise specialist that the funds could not be returned to original routing number/account due to size of transfer ( > {$250000.00} ) and the account, a XXXX  account, would not accept the transfer. We were told a check would be sent to us via certified mail. 
Received letters from Marcus by Goldman Sachs that the account was closed I could no longer log in to the account and can not verify where my funds are Called back XXXX, XX/XX/XXXX and I was notified that a check was sent but they could not provide tracking information but I was assured that I would receive the funds. 
Called back XX/XX/XXXX where representative XXXX assured me that a check was being sent via certified mail. Interaction number XXXX. Complaint number XXXX. 
Called back XX/XX/XXXX representative told me that no check would be issued despite numerous calls previously assuring me that the account was closed and the funds were being sent via certified mail. I asked for a supervisor and he told me that they went home for the day since it was after XXXX ( my call was answered at XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Experian added a collection account to my credit report for a medical bill resulting in a drop in my credit score. The only way I knew the collection account had been added to my report was when I applied for a mortgage loan on XX/XX/XXXX and the loan officer informed me. The collection agency, XXXX XXXX XXXX, is claiming I owe them {$660.00} for an unresolved medical debt. I have no unresolved medical debt and this collection agency has been reported to the Better Business Bureau for being unable to provide documentation validating debts they have reported. The XXXX XXXX XXXX website claims that they notify consumers prior to reporting the collection, which is false. I contacted the agency to try and resolve the collection and they advised me that they did not have my personal information on file including my address ( how would they have notified me? ). The agency states that they have to submit a request to their corporate office in order to have the collection deleted but state that it takes 3-4 weeks and the debt must be paid FIRST. The representative stated that they could not provide any immediate documentation of the collection being paid. Despite having limited information on the collection, they strongly encouraged my submitting a payment to resolve the debt over the phone and continued to insist on needing other personal information. This office is conveniently located in XXXX, near my residence, despite allegedly being a debt owed in XXXX. Experian made no attempt to validate the collection or collection agency information prior to adding it to my credit report. I have been informed that my personal data was compromised in the XX/XX/XXXX XXXX data breach. Coincidentally, two suspicious collection accounts were reported in XX/XX/XXXX. I contacted Experian to try and resolve the issue. The customer service representative I spoke to advised me that even if I were to pay off the fraudulent debt, that was most likely the result of the breach, but the collection would remain on my credit report for 7 years. 

Despite filing a dispute to try and resolve the issue, my loan officer has advised me that my current credit report does not reflect said dispute. The collection is a scam and it has caused my credit score to drop immensely putting my attempt at being approved for a mortgage in serious jeopardy.
Product: Credit reporting or other personal consumer reports

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I fell behind on my mortgage and was offered a trial modification in XX/XX/2018. I made all three payments and then discovered a foreclosure had been filed in XX/XX/2018. I had to ask several times for the permanent modification papers to be sent to me and when they were I did not receive them until after the date they were to be returned. I found out from relatives my home was up for sale and was never notified by anyone else of sale until a few days before. I am not even sure who my real lender is as in the past year I have had XXXX, XXXX XXXX and Loancare.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report an amount of {$9800.00} is being reported twice on my TransUnion report. I am submitting this complaint to request the removal of the collection with XXXX XXXX because Achieve Personal Loans as slated charged it off. They are double dipping by reporting this twice on my credit report. I look forward to hearing from you. 

Thank you
Product: Consumer Loan

At the end of a XXXX year lease with Honda I owed approx {$410.00} which included the final monthly payment of {$280.00} with the remainder representing mileage charges. In attempts to collect the money owed Honda sent me several demand letters. In one such demand Honda offered that it would reduce the balance owed by approx 25 % XXXX approx {$300.00} XXXX and that if I paid the reduced amount by a date certain the remaining balance of approx {$100.00} would be reported to the credit reporting agencies as payment that was 30 days late. As the letter indicated I accepted the offer by making out a check to Honda in the amount specified.I mailed Honda the check. Honda accepted and deposited the check. Since accepting the offer and having made the payment to Honda, and Honda having accepted the payment, Honda now continues to demand payment of the remaining balance and has sent me letters stating that my account is past due. On XX/XX/XXXX, 2018 a Honda representative called me and demanded the remaining balance and advised me that if I did not make the payment Honda would report to the credit reporting agencies that my lease agreement was in default. The representative went on to threaten me and said if I did not make the payment my credit would be severely affected. I believe Honda 's collection tactics have been discriminatory on the basis of my sex and race. I am a XXXX. This is a definite bait and switch tactic used by Honda to induce me to enter into an agreement that Honda no longer wishes to honor. Honda has misrepresented its intentions and the offer it made to me.
Product: Checking or savings account

I was told by customer service that I would not be getting overdraft fees anymore and they refunded me XXXX of them but then the next day give me XXXX more overdraft fees when I clearly have no money to cover it, thats absolute theft and lack of sincerity for customers
Product: Debt collection

Some girl named XXXX XXXX is using my address and my phone number, my information to purchase products and is having debt collectors call me instead of her regarding all of this stuff. I have no idea who she is. But I have her address and I know her name. I don't know what's going on but all I know is her name is XXXX XXXX she lives in XXXX Texas and she bought a bunch of detox cleansing stuff on the internet and they've been emailing me repeatedly about the order and I keep telling them they have the wrong email. And then a debt collector called me today asking for XXXX and saying that XXXX needs to call back immediately. I'm not XXXX. My name is XXXX XXXX and I live in XXXX  XXXX.
Product: Checking or savings account

On XX/XX/2022, I joined Square 's online checking account program for my business of 6 years. Switching from a brick & mortar bank to an online only. I deposited two {$300.00} checks from my client which is a large car dealership. On XX/XX/2022, Square deactivated my account and is keeping my money for 90 days. No reason given. I have done no other transactions with Square except 2 deposits. Customer service could not provide any explanation.