23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

National Credit Systems is representing another third party company by the name of XXXX XXXX for a debt totaling {$1500.00} and National Credit Systems is also representing XXXX XXXX XXXX for a debt totaling {$3900.00}. I have wrote National Credit Systems as well as all three credit bureaus and advised them that this debt does not belong to me. This was fraudulently opened and I provided a police report as well as the Identity Theft report. 

XXXXXXXX XXXX  is representing XXXX XXXX XXXX for a debt totaling {$1200.00}. This is not my debt. I never purchased insurance through XXXX nor any of it's affiliates. 

XXXX XXXX XXXX is representing XXXX for a debt totaling {$850.00}. This is not my debt. This account was fraudulently opened in my name. 

XXXX XXXX XXXX is representing XXXX XXXX for a debt totaling {$6700.00}. I have reached out to this company several times. I never signed an in person lease. I was residing in another state when this apartment was fraudulently leased under my name, I filed a police report. I reached out to the company and the person that allowed a fraudulent lease take place refuse to accept responsibility. I never met with anyone in there office or any other location to sign a lease. 

XXXX XXXX is representing XXXX XXXX for a debt totaling {$140.00}. This debt was paid off back in 2017. 

All these collection accounts need to be removed from my credit report with no attempt to collect a debt from me.
Product: Debt collection

The following accounts has caused me financial ruin. These accounts are an result of identity theft. 



XXXX XXXX {$1300.00} XXXX XXXX  XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX  {$710.00} XXXX XXXX XXXX  {$5700.00} XXXX XXXX XXXX  {$5500.00} XXXX XXXX XXXX   {$710.00} XXXX XXXX XXXX XXXX  {$330.00} XXXX XXXX XXXX XXXX   {$1400.00} XXXX
Product: Credit card or prepaid card

Unable to view recent transactions on my CitiCard account when I log in. I have tried several different browser, called City, chatted online with Citi with no resolution. The message under recent transactions is " Hmm, looks like there are no transactions for this time period. " ( image attached )
Product: Credit reporting or other personal consumer reports

I dispute the accuracy of a child support account that is being reported on my Equifax credit report. After Equifaxs so called investigation they made some changes but the information is still not accurate. Equifax used incomplete information from the XXXX  of Virginia to complete their investigation. How can Equifax say that this account meets FCRA requirements when its missing key information such as payments that I have made. Payment history is a key factor in calculating my credit score and because the information provided to Equifax is inaccurate it caused an adverse effect to my credit score, which in turns effects my overall financial health.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act 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. 

At the time the account was established in XXXX and XXXX I was only XXXX XXXX XXXX and didn't have any knowledge on how to open a bank account. My identity was stolen at the time and this issue needs to be resolved.
Product: Credit card

I have filed two previous complaints with the CFBP regarding this. Discover claims my bank rejected the ach debit request. Upon contacting my local bank I am told there is no record at any time from Discover that an attempt was made to debit my account the XXXX. 

I spoke to XXXX at Discover executive relations this morning. She told me she has a document from my bank but refuses to give it to me. 

I have no way to fix this problem with my bank unless I have that document. 

There is no proof that Discover ever submitted it to my bank. If they did not submit it to the bank then the returned check fee charged by Discover is invalid and should be refunded immediately.
Product: Credit reporting or other personal consumer reports

I have contacted Yamaha Motor Finance too many times to count now! I have even wrote a letter via USPS and they have verified they received it, but still no response. Im really getting aggravated at not only their lack of customer service or knowledge, but Im now even more upset in regards to my credit dropping YET AGAIN when I just paid the $ 252 monthly bill ON TIME. My YAMAHA account says current, but in the last several days my score has dropped XXXX points because THEY are reporting me 30 days late/ delinquent.. this has to stop immediately. 
I have explained my situation repeatedly to these people and they still come to us to backtrack and do the complete opposite of what they say they will do..
Product: Vehicle loan or lease

Identity theft Police reports have been filed & the car loan ( s ) do not belong to me! These items were disputed and they were kicked back as accurate and this is now affecting my approval rates for my own loans GLOBAL LENDING SERVICES Account type : Auto Loan Currently Closed Account Date opened XX/XX/XXXX Account type Auto Loan Status : Account charged off. {$19000.00} written off. {$4400.00} past due as of XX/XX/XXXX XXXX due amount {$4400.00} Original balance {$25000.00}
Product: Credit reporting or other personal consumer reports

I noticed alot of hard inquiries that don't belong to me and one collection account I don't recognize and ain't mine
Product: Credit card or prepaid card

On XX/XX/2022, a check was mailed from my personal bank to XXXX Bank in the amount of {$4300.00} as payment on this account. My records indicate this check was cashed by XXXX Back on XX/XX/2022 ( see copy of check attached ) and posted to my account on the same day ( see enclosed statement ). 

During the period that my payment was in transit ( in the mail ), my account held by XXXX Bank was in transition to be handled/controlled/owned by Barclays. 

On XX/XX/2022, once the account was under the control of Barclays financial institution, the payment of {$4300.00} was reversed ( see the enclosed statement from Barclays ). 

I have repeatedly contacted and disputed this matter with Barclays since receiving my XX/XX/2022 statement. The payment of {$4300.00} has not been restored to my account and, interest has been accruing on this matter since the error occurred. I have attached two of the many letters ( which are similar and provide the same message ) stating that they are unable to handle the request after waiting approximately 40-60 days each time. They then instruct me to contact them again regarding the matter only to take me through the same process with the same result. 

Per the enclosed letter from Barclay, concerning the transition from XXXX to Barclay, payments made prior to XX/XX/2022 were to be mailed to XXXX. The payment in question was mailed prior to that date and was sent as instructed to XXXX.
Product: Consumer Loan

I took out a loan from Check Smart/Buckeye Title in XXXX Arizona, well over a year ago if not maybe two.The loan was for {$500.00}. Every month I have went to pay my loan payment in person with cash.I always paid the minume or more. When i made my last payment XXXX XXXX, I noticed the reciet said that I still owed {$690.00}. I refused to make a payment on XXXX XXXX, because i feel this loan is paid in full and then some. Probably paid at least XXXX if not maybe XXXX times over. This morning i received a message from XXXX bank that my account is over drawn! Check Smart got into my bank account and drained it to now it 's over drawn! I have contacted XXXX to get this stopped. The bank is working on it, but i have NO money until this get 's resolved. This loan would NEVER get paid off with this out raggist interest!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> I ask for reporting agencies to please provide all documented proof of such allegations of verification when I challenge the accuracy of account. 

Please provide all proof that this account balance, account history, late payments, open dates, closed status, last reported, last active and all is XXXX  % accurate and all is in compliance with state and federal laws please I highlighted and provided each account that I believe to be wrong and does not meet the FCRA requirements under section XXXX Account Name XXXX Account # XXXX Account XXXX  Account # XXXX
Product: Credit card or prepaid card

I have had a CapitalOne credit card since XXXX, there was a change of address made to CapitalOne to XXXX Credit Bureau in XXXX to XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. That was not me who changed the address for any mailing or use of that card with that address. 

Last week, my CapitalOne Walmart Rewards card was compromised 6 times. Last Thursday, XX/XX/XXXX, I contacted CapitalOne Walmart to find out why I received a package of a Wi-Fi photo frame when I never ordered it, the last 4 of my credit card number and the last 4 of another credit cards were attached to a purchase that came through on email, but the email showed another item that I received the day before. CapitalOne Walmart said there were no issues with my account and that the account showed 1 credit card and the person referred me to Walmart directly. I spoke with XXXX from Walmart that same day and he was going to send it to investigation. Yesterday ( XX/XX/XXXX ) I had spoken with XXXX regarding an inquiry on my credit report of the XXXX XXXX. address and they said that CapitalOne provided them the info. I contacted the credit card company CapitalOne and asked about that issue, but they don't have records before XXXX. I asked about the picture frame purchase I never made, and XXXX ( rep ) provided 6 purchases made with my credit card number that I never made over the last week. The card has been terminated and shut down and there is an investigation being done. 
The rep only provided 1 of the purchases as being in XXXX, but I live in XXXX, XXXX. The other 5 purchases couldn't be traced. The purchases are as follows : XX/XX/XXXX Walmart {$120.00} XX/XX/XXXX XXXX XXXX {$13.00} XX/XX/XXXX Walmart {$12.00} XX/XX/XXXX Walmart {$10.00} XX/XX/XXXX Walmart {$9.00} XX/XX/XXXX Walmart {$0.00} I believe that there has been another data breach on their end, and they don't want to take responsibility for their actions of provided misinformation to the wrong people ( the XXXX XXXX address ) ; as well as 6 different purchases made in another state when clearly if I was making purchases in XXXX, how could I be making purchases in XXXX at the same time. There is an internal investigation of this account being made, but this is terrible service on their part. I am extremely disappointed with their customer service as well as tracking of their customer 's information.
Product: Debt collection

XXXX ) In accordance with the Fair Credit Reporting act, the following accounts that on my credit report are a violation of my rights : the account in question is XXXX & XXXXXXXX XXXX XXXX XXXXXXXX Reporting to ( XXXX Experian XXXX ) in accordance to 15 U.S.C 1681 section 602 A. States I have the right to privacy and 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish a account without my written instructions and was not authoized by me. I am requesting that these accounts be removed from my reports. 

XXXX ) Also, XXXX XXXX XXXX XXXX XXXX XXXXXXXX has no right to collect a debt in the State of New York in accordance to NY debt collection law XXXX ) XXXX & XXXX XXXX has my address listed as XXXX XXXX XXXX XXXX, Ga XXXX according to Experian Address Id : XXXXXXXX XXXX XXXX XXXXXXXX have never resided or collected mail at this address. 

XXXX ) I HAVE NOT BEEN SUPPLIED PROOF UNDER THE XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS I am requesting that this account be removed from my reports.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Debt collection

I received a collection letter today out of the blue. Upon reading it the first time, I did not recognize any part of the loan or companies they are representing. I thought there must be some mistake. After much thought, if this is indeed a loan taken out by me, then its for a auto loan I aquired in XXXX, CO, in XXXX. As far as I can remember, it could have been XXXX XXXX XXXX, and ended with the vehicle being repossessed for years later in XXXX. I never heard from the company again as they were located in Tennessee and I was then living in XXXX, CO. As per everything that I have been reading, you can see this is way past the statue of limitations. I have no idea why they would even try to collect on a debt that old? My next plan is to utilize my rights and request validity of the debt. However, I wanted to inform whoever I could of the work, time, and effort it is going to take to resolve this matter which is absolutely ridiculous. I have not had a vehicle finance since then until just recently in XXXX of XXXX. By the way, it is not financed with this company or any companies linked to this company. I hope all gets resolved quickly and fairly, I am not happy with these fraudulent attempts of collection. Please advise me on what I am able to do to resolve this matter and hopefully thort any future fraudulous requests. Thank you very much for your time. 
XXXX XXXX
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 - Account # XXXX. The incorrect reporting of this account have violated my rights. 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. The credit bureaus are reporting this account as a charge off with XXXX late payments, which in INCORRECT. I have forwarded several certified letters to the bureaus with supporting documentation requesting a thorough investigation and they have failed to do so. This act is causing me unnecessary financial hardship.
Product: Checking or savings account

On XXXX XXXX I called to file a fraudulent claim unauthorized. Chime said I have to wait XXXX I called back on XXXX and they then filed the claim wrong I called on XXXX to get an update and I was informed that the claim had the wrong category. Chime said they will update the category and I would receive credit in XXXX. I called in the XXXX and they closed my dispute. I did not request this, they said well you have to wait XXXX they are giving me the run around. They denying me of filing new claim the correct way. 
XXXX complaint number XXXX XXXX hung up on me XXXX XXXX XXXX XXXX XXXX dept XXXX XXXX supervisor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX up on me XXXX XXXX XXXX XXXX disputes XXXX XXXX XXXX XXXX supervisor XXXX  dispute XXXX disputes XXXX disputes XXXX-supervisor How can your complaint be satisfactorily addressed? 
I want my funds immediately or I will pursue legal Action
Product: Money transfer, virtual currency, or money service

I sold Litecoin on XX/XX/XXXX at XXXX PST through Coinbase. The litecoin was immediately removed from my account without me receiving any payment. My coinbase history page noted that XXXX USD was due to my USD account to arrive by the end of the day on XX/XX/XXXX. I  have still not received any USD into my USD wallet as of XX/XX/XXXX. I have opened a support ticket through their website and was notified on XX/XX/XXXX that they have received the ticket and are working with a specialist to resolve the issue. Since then I have received no more communication from Coinbase.
Product: Bank account or service

Paypal limited my account. I still have { {$220.00} } in eBay gift cards which can only be used with a paypal account. 

Now I ca n't use this gift card balance because it is linked to my limited PayPal account. PayPal is not willing to give me a refund of {$220.00} nor issue me a different gift card of {$220.00} value or even de-link this gift card so that I can gift it to someone else. PayPal is saying I will forfeit the {$220.00}. 

I bought these gift card and paid the full purchase price, so they ca n't keep it. I believe it 's absolutely wrong for PayPal to take away my eBay gift card balance. Request your help to recover my money.
Product: Credit reporting or other personal consumer reports

The company XXXX XXXX XXXX XXXX  refuses to provide proper documentation to validate the said debt. They continue to report inaccurate information to all 3 credit agencies. The company refuses to send me original doumentation. They have 2 accounts reporting improperly on my credit reports on all 3 numerous inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX over the phone after I discovered fraudulent credit inquiries on my credit report. The XXXX representative that answered the phone informed me I needed to contact the creditor directly. However I had already reached out to the creditor and the creditor informed me I needed to contact the credit bureaus. Therefore I immediately informed the representative that I had already reached out to the creditors and I informed her I was frustrated at this point because I felt like I was getting the run around and nobody was helping me solve this situation. The representative stated she needed to transfer me to the fraud department. Once the XXXX representative transferred my call to the fraud department I went over the fraudulent credit inquires listed as followed : XXXX XXXX XXXX on XXXX, XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX with the representative and was told my dispute had been opened. It has been more than 30 days and I still see those credit Inquires on my XXXX credit report. It has been very difficult getting this resolved and I just want to make sure these fraudulent inquires are removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

hard inquiries from these companies, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We paid off the loan in full with our lawyer XXXX XXXX  2017. We 've checked with register of deeds in XXXX county WI and they keep telling us they removed the mortgage from the deed as lien holder and of this date it still has n't been removed.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX consumer reporting agencies, and I am the Consumer.

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 
Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 
XXXX Innovis XXXX ( XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX