23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX claims they represent XXXX XXXX XXXX in attempt to collect a debt in my name at the amount of {$180.00}. 
I 'm not aware of this debt. My relationship with XXXX XXXX XXXX ended in XXXX 2009. Even if such debt existed, based on Statute of Limitations for this kind of debt, which is six ( 6 ) years, it 's run well past the SOL. The debt has never been marked on my credit file and does n't exist as of the time of writing of this complaint. Neither the collection agency nor the original creditor may pursue any kind of collections since 1 ) no legal actions as an attempt to collect had been initiated within the time frame allowed for this kind of debt by the applicable law and 2 ) the SOL had expired as well.

Based on the above, the actions of XXXX XXXX are considered to be illegal and in violation of the corresponding Federal Law.
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Ally bank closed all my Accounts 1. Checking and 2 savings accounts against my wishes and without my consent. Twice later reopened only to have it happen again Lost approx XXXX usd in the following butterfly effect after. Never Been told the reason. Therize its because I did something i asked and was told was ok and fine
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Product: Debt collection

National Credit Systems refuse the validate the debt they have been reporting on my credit reports with XXXX and XXXX. They keep sending a lease that does not contain my ink signed signature and move out state that I never received for the alleged debt. They have not provide anything with their name and the leasing company stating they are the rightful owners or agent to collect on a debt or report a debt on my credit reports. National Credit System being a third party collection agency have be non compliant with the FDCPA, they are reporting and activity trying to go after a debt that has not been properly validated, bares my Ink Signature and is within the legal State limitations which is 6 years in the state of Georgia. The debt reporting is illegitimate and should be deleted immediately
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased an {$89.00} voucher for a XXXX XXXX restaurant from the XXXX XXXX. When that restaurant closed due to the XXXX crisis I requested a refund for that voucher. Initially XXXX refused to issue a refund, so I asked Capital One to put a hold on that transaction while it was disputed. They put a temporary hold on the charge on XX/XX/XXXX. I then recontacted XXXX, and they agreed to refund the full amount. They did so, and onXX/XX/XXXX, they credited my original credit card with the full {$89.00} amount. They have even provided the transaction number XXXX. 

Unfortunately, this credit never showed up on my credit card. I tried to call Capitol One to find the transaction, but www on hold for nearly 3 hours. Meanwhile, on XX/XX/XXXX, with no explanation, Capitol One rebiller the {$89.00}, but without adding the {$89.00} credit from XXXX. So I am again down {$89.00}. When I called Capitol One to ask why, they told me that XXXX had refused to refund me because my refund was not eligible ( that phone call took 2 hours ). I called XXXX back, and they reiterated that they had indeed refunded the money, and reconfirmed the transaction number. I send the transaction details to Capitol One, but received no response. On XX/XX/XXXX I received a written notification from Capital One that my dispute had been closed because I had received a credit for {$89.00} on XX/XX/XXXX. That credit was from a completely different company ( XXXX ) and had absolutely nothing to do with this transaction. I called Capital One again, and they told me I would get a credit, but when I asked for dates and times, retracted, and said it would be under further evaluation. I asked to speak to a supervisor, who told me yet another story, that I had received a voucher from XXXX ( I haven't, and XXXX deny this ). I asked to escalate my claim and was told she was not authorized to provide any escalation information. At this point, I have spent 5 hours on the phone, several months, have 4 completely different explanations from Capital One as to where my money is ( none of them correct ), and am beyond frustrated
Product: Student loan

I previously filed a complaint against XXXX company under XXXX. 
They provided a generic response stating interest rates are set by the government. However, my rate was changed to a high interest variable rate. The contract I initially signed provided me with a low fixed rate. The increase in rates made it impossible to pay off my student loan. I am a victim of predatory lending by XXXX. XXXX has now sold my loan to a company called Mohela. How do I manage this? I am seeking full loan forgiveness due to the predatory lending of XXXX. I provided all supporting documentation under my original company that you have closed with no satisfaction. 
Loan Type FFELP School CONSOLIDATED Current Owner XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX Disbursement Date XX/XX/year> Original Principal {$12000.00} Unpaid Principal {$9300.00} Unpaid Interest {$2.00} Current Balance {$9300.00} Interest Rate 8.250 % Interest rates on federal student loans are set by Congress. 
Interest Type Variable Total Accrued Interest {$14000.00} My old XXXXt Student Loan Account # XXXX
Product: Credit reporting or other personal consumer reports

Transaction history from nonaffiliated third parties are continuously being furnished onto my consumer report without my written consent. The law requires that I receive an opt-out notice every 30 days to which I have not received. I am demanding ALL transaction history to be removed immediately and all accounts to be updated as PAID AS AGREED. I have also requested to opt out of ALL nonaffiliated third parties from furnishing anything onto my report, yet the consumer reporting agencies are refusing to do so and they are in violation of the GLBA.

Consumer Report and Information Sharing Section 603 ( d ) ; 15 U.S.C. 1681a ( d ) Section 603 ( d ) defines a consumer report to include information about a consumer such as that which bears on a consumers creditworthiness, character, and capacity among other factors.

Communication of this information may cause a person, including a financial institution, to become a consumer reporting agency. The statutory definition contains key exceptions to this definition that enable persons to share this type of information under certain circumstances, without becoming consumer reporting agencies. Specifically, the term consumer report does not include : 1. A report containing information solely as to transactions or experiences between the consumer and the person making the report. A person, including a financial institution, may share information strictly related to its own transactions or experiences with a consumer ( such as the consumers payment history, or an account with the institution ) with any third party, without regard to affiliation, without becoming a consumer reporting agency. The Privacy of Consumer Financial Information regulations that implement the Gramm-Leach-Bliley Act ( GLBA ) may restrict this type of information sharing because it meets the definition of nonpublic personal information under the Privacy regulations. Therefore, sharing it with nonaffiliated third parties may be subject to an opt-out notice under the privacy regulations.
Product: Credit card or prepaid card

Was promised a 5.99 balance transfer apr in first three billing cycles but was told after my second billing statement that my promotion had expired. Apparently what they really meant was three calendar months ( account was apparently opened in XXXX but not used until about XXXX. ) as they said the promo started when my account was opened, not at statement issue ( first was XXXX balance, but still- I feel very misled ). Again, the misleading language needs to be corrected to say first three calendar months after the account is opened. Their terms ( which the lady kept harping one ) imply that I should be able to do my balance transfer now.
Product: Money transfer, virtual currency, or money service

Hi PayPa Team, My PayPal account can not be linked to new bank and withdraw money, please help me! 
I have called the customer service representative many times, but the problem has not been solved, please help me, thank you
Product: Debt collection

Phoenix Financial Services LLC is currently reporting an account to my credit report in error claiming that I owe a balance of {$410.00}. I have spoken with someone who advised that I try to work this out with the creditor before pursuing a legal route. I have sent many letters to this company in regards to this mark on my credit. I have not received anything stating what this is for. I have no recollection of owing this balance for anything. I would like for this to be removed from my credit before obtaining a lawyer to pursue the legal route.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing you guys today because my credit report has been used illegally. XXXX Bank Account number XXXX has violated my rights. 15 U.S.C 1681 section A. states that I have rights to privacy. Also 15 U.S.C 1681B states any consumer agency may furnish a consumer report under the following circumstance and no other : with the written instructions of the consumer to whom it relates. I did not give this company or any company my written instruction to report this account on my credit report.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX Acct Number XXXX XXXX XXXX XXXX, Acct Number, XXXX XXXX
Product: Vehicle loan or lease

Good afternoon! 

I have a loan with Exeter Finance. On XXXX XXXX they repossessed the vehicle. I contacted them and made the payment to redeem the vehicle on XXXX XXXXXX/XX/XXXX. I was told to contact the 3rd party company Loss prevention to obtain the information to pick up my vehicle. I was given the phone number of XXXXXXXX XXXX XXXX XXXX. I contacted them and they do not have anyone to answer so I went on the website to make an appointment for pickup/ my VIN was not available to be found I emailed them twice and contacted the loss prevention company back to let them know I wasnt able to contact anyone. I was told I have to wait until XXXX because the Towing company was closed at XXXX and they dont open again until XXXX  XX/XX/XXXX. I called the loss prevention company back to ask how can I get my car she advised she will email the towing company as well to let them know I wasnt trying to reach them to pick up my car. I also was in contact with Exeter Finance also during this process because no one was aware of where my car was. Exeter stated that it had to be at the Tow yard because they never received confirmation that it was received at the auction at any point. I then spoke to loss prevention who told me that Exeter requested for it to be sent to the auction on XXXX ( This is after they were aware I was making a payment to retrieve my vehicle ). The loss prevention company tells me to request a take back of the vehicle from Exeter because they should have never requested for the vehicle to go to Auction. I made the request and spoke to XXXX who put the request in and she was very rude insinuating that it wasnt gon na be done but she will put it in, spoke to XXXX who stated that the request was being processed call back tomorrow to see if its back at the tow yard to speaking to XXXX XXXX who stated that the take back request is denied because they told me it could be towed to the auction. However it was towed after payment was received. I then was given the number to the auction to be told that the release was never sent to them so they could not schedule an appointment. To then being told I have to wait XXXX XXXX to even make an appointment to pick up the vehicle because it has to processed first and I will get a call when it has been done. I called exter back who stated that the vehicle shouldve been able to be picked up already. The vehicle was taken from XXXX XXXX away from my home to XXXX XXXX away after my payment was made. And now I am being inconvenienced at work due to the vehicle not being able to be picked up.
Product: Debt collection

I had an account with XXXX XXXX. The service was absolutely horrible. My service went out and was out for literally 2 months. It was coming upon my contract ending in a few weeks when I call them to end the contract early. I was told that I still had 2 weeks on my contract and that I would have to pay early termination fee of XXXX dollars. I agreed to the XXXX dollars and paid that during the conversation on the phone. They then proceeded to tell me that I had a bill for the services that I kept calling them about and telling them that I did not have services for 2 months. They kept telling me that I needed to pay a XXXX dollar service fee for them to send someone out to check my service so I refused to pay and terminated the service early and paid the early termination fee he said that I owed. Later they put a XXXX dollar collection on my report. I wasn't paying them for services that I wasn't receiving and wasn't going to pay them a XXXX dollar service fee for their equiptment to be serviced. They sent a box for me to send the equiptment back and I sent everything back to them also.
Product: Credit card or prepaid card

On XX/XX/XXXX a {$59.00} " Membership Fee '' was placed onto my credit card bill by Capital One. Two attempts were made by myself and my spouse to change our card program with Capital One, but the company was unwilling to accommodate us. 
The last attempt we made was on XX/XX/XXXX and we again stressed our desire to remove the annual membership fee as we were unaware that it was going to be charged. 

It was disappointing to hear that such a de minimis fee which, when discovered and questioned, was handled in such a unfair and deceptive fashion. We had assumed that Capital One would note the small request, back out the fee and allow us to change to a no fee credit card program.
Product: Mortgage

I filed for bankruptcy in XXXX. I had a second mortgage with XXXX. This mortgage with XXXX was included in the bankruptcy. I spoke to a representative at XXXX about the bankruptcy, mortgage and payments. The representative informed me that I didn't need to make payments on the loan due to the bankruptcy. The payments on the loan would be collected whenever the house was sold. 

For XXXX years I did not receive any information from XXXX regarding a payment or foreclosure. Once Realtime resolutions took over the loan I'm now being told that I need to pay a large sum of money to keep my home that I have lived in for XXXX years. 

After XXXX years Realtime Resolutions purchased the loan and informed me that I needed to pay a large sum of {$24000.00} and $ XXXX. I told them that XXXX had not sent me any statements, requested payments and didn't request any payments on the loan. 
Realtime resolution threatened to foreclose on my home if I didn't make the payments. 
I am currently trying to save my home by making monthly payment of {$4200.00} to Realtime resolution. 

I dont understand why the terms of the loan changed after 9 years of SLS not requesting any payments nor sending me any statements. 

I'm also wondering how Realtime resolutions could change the agreement made by XXXX and threaten foreclosure on my home. My home is currently in pre-foreclosure and I'm constantly receiving calls from people wanting to purchase my home. 

After 9 years going by without any information from XXXX, I would think that Realtime resolution would show me some type of grace and consideration regarding the loan payments. I would think that Realtime resolutions would uphold the terms given to me by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fifth 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Around end of XX/XX/2023, my US Bank checking account was closed unexpectedly. I had received an email noting a suspicious activity on the account early XXXX. I called in to the number provided in the email, explained the activity and why it wasnt suspicious, and US Bank said they needed my sister to call them instead. My sister then called them and filled out a form, and US Bank said they will get back to us. They never got back to us and our account was closed. To this date, I was never notified that my account was closed. This has caused more than 10 bounced checks and fees totaling more than {$300.00}.
Product: Credit reporting or other personal consumer reports

An account has repeatedly been updated as a Charge offs/Closed every month 15 usc 1692g , 15 usc 1681c-2 , to my understanding charge offs accounts should Not include an active payment history, falsely manipulates the statute of limitations. 

I Requested 1099c from XXXX XXXX, XXXX, Macy 's and XXXX XXXX XXXX. 

I making a payment on the charge offs, they took a tax relieve from the federal government, it looks like fraud is committed
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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

I sent the credit Bureaus letters asking them to verify the debt on my report. They have sent back stating that everything is verified correctly. My credit report is still showing inaccuracies. 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. 

Accounts Disputed Listed Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I never opened accounts with any of the accounts listed above and it is being reported on my credit report inaccurately I sent the credit bureau multiple letters and proof from XXXX  XXXX even to today Ive also called each of the credit bureau to get help removing these account being improperly reported on my credit reports and I still have received the proper help or proof that these are my account i demand that these accounts be removed from my credit reports immediately or I will hire an attorney this week and will be force to seek legal fees and compensation for the stress and mental health issues the three credit bureau has caused to me and my family over this matter. The credit bureau violated multiple Fair credit reporting on Acts on my credit reports.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed above. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account