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

Snychrony Bank/Paypal has reported a charge on my credit report and I have no idea what it is. They said it was from a debt in XXXX. I have had two real estate purchases and one car purchase since XXXX and this account, the account number and the account name does not show up on my credit report. I requested a validation of debt on XX/XX/XXXX. They did not have any of my current information as far as address and phone number although I had a current and active PayPal account. I was assured the statements would be mailed immediately. On XX/XX/XXXX, I was informed the " debt '' was sold to XXXX XXXX XXXX on XX/XX/XXXX. XXXX, 6 days AFTER I requested the validation of debt. As a consumer, I have the right to receive from Synchrony Bank/Paypal to validate this debt. The debt is over 7 years old and I have zero visibility or knowledge what this is. As stated, this account did not show up on my credit report that was pulled in XXXX. All my accounts showed up to date and current. Synchrony Bank has refused to validate this debt! 
So now what? Am I going to get harassed from XXXX? This also needs to be removed from XXXX.
Product: Checking or savings account

On XX/XX/2021, I made a payment of {$500.00} to XXXX XXXX XXXX using my Discover Debit Card. The first transaction was rejected due to issues with the card, so another transaction was made using the banks routing and account numbers. It is XX/XX/2021 and those funds still have not bee deducted from my Discover Checking Account. The transaction doesn't even show up in my pending transactions. 

Additionally, Discover seems to be re-sequencing my transactions as they never occur in the order in which I make them. None of the transactions, I may clear immediately. They clear within 2-3 days after the transaction was made. An problem I never had with my previous bank before they closed.
Product: Debt collection

XXXX XXXX, XXXX sent me a letter dated XX/XX/XXXX, from XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX. Phone number XXXX. 

Original Account : XXXX. Their Account # : XXXX Charge -Off Date : XX/XX/XXXX. Principal Balance : {$1300.00}. Balance Due : {$2200.00}. Interest Balance {$850.00}. 

Pinnacle Credit Services LLC and different creditors have been contacting me about this account and my responses are not good enough. I do not owe the company this money! 

If it is XXXX XXXX BANK CREDIT CARD COMPANY, THEN WHY DO I CONTINUE TO RECEIVE MONEY OFFERS " PILING UP '' IN MY MAILBOXES FOR THEM TO LOAN ME MONEY WHEN I HAVEN'T REQUESTED ANY CREDIT CARD SERVICES. I HAVE A SAVED UP HUGE STACK OF OFFERS FROM XXXX. 

I have written to different companies who have purchased the above account to harass me. 

This company has a delinquent date listed as as XXXX. I paid them if I ever owned a credit card from them. 

Why would the company wait many years after the fact, when I lived at the same address for 12 years and never received any extracurricular or outstanding bills? 

I am tired of this company continually harassing me. 

I dispute the bill. 

XXXX is their number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX 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 : {$84.00} XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

The work is 100 % completed from fire damage. The XXXX XXXX  has paid the Freedom mortgage, the mortgage company needs to release the funds once the work has been completed. The work has been completed and they claim that we need an inspection in order for them to release the funds and they have not send an inspector out to do the inspection or released the money. That is the problem, we have contacted different persons and have received different answers. They claim that it should only take a couple of days and every couple of days you get a different excuse to why they have not sent an inspector out or released the money. Borrower has given me complete written authorization to negotiate with Freedom Mtg. for this fire repair. I will include the Authorization. 
Original request was made over 30 days ago, Freedom Tracking # XXXX.
Product: Money transfer, virtual currency, or money service

On the XXXX of XX/XX/2023, I sent {$300.00} to my brother XXXX XXXX, for assistance and for some family problems. As usual, Sendwave was supposed to send in the One Time Password ( OTP ) through text message to the receiver, however, the message never came. So, I directed receiver to go to the bank, but the bank refused payment, as they could not generate the needed OTP, which was supposed to be provided by Sendwave. Receiver went to bank, spending so much money on transportation, on3 separate occasions, all to no avail.

I sent several emails to sendwave, through all the available emails they have on the internet, on two occasions they promised to get back, but till today, the XXXX of XXXX, I have not heard back from them. This has been a very difficult moment for my family way back in XXXX, that depende so much on this cash for survival. 

I have also requested for a refund, but sendwave have refused to reply to my messages, and this is making me to even start thinking it to be a fraud. yet no repl
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late purpose
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report regarding my account with Westlake Financial. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation and correction of the following discrepancies : The report states that the highest balance on this account is {$0.00}, which is inaccurate. Previous reporting indicated a balance of {$12000.00}. The missing highest balance may impact the accuracy of my credit history.The report indicates that I have made 68 % of payments on time, yet also shows numerous late payments in XXXX. I request verification and clarification of this data, as it may not accurately reflect my actual payment record. 
The report lists the account as charged-off but also states my last payment was on XX/XX/XXXX. If a payment was made on this date, the charge-off status and its timing should be reviewed for accuracy. 
I request that you investigate these discrepancies and provide me with an updated credit report reflecting any necessary corrections. Please provide a written response within 30 days of receiving this letter, as required by the FCRA.
Product: Debt or credit management

Since XX/XX/2024, I have been receiving relentless robocalls every day from entities identifying themselves as XXXX XXXX XXXX or Tax Defense Network. The calls often occur multiple times per day, sometimes at the same time daily. 

The robocalls always leave voicemail messages, despite me not answering, and occasionally connect me to a live person. I have repeatedly requested to be removed from their call list, begging them to stop contacting me. Most of the time, the representatives hang up without acknowledging my request ; on a few occasions, they claim Ive been removed. However, the calls have persisted unabated. 

I have identified XXXX of the numbers used : XXXX and XXXX, though the originating numbers appear to change frequently. 

These calls have caused me significant distress, and I believe they are a violation of telemarketing regulations. I respectfully request an investigation into this harassment and enforcement action to stop these unlawful practices.
Product: Debt collection

I continue to receive harassing calls regarding debt, dating back to XXXX. I live in XXXX  ; it has been XXXX years for ALLEGED debt. I keep getting calls from different companies saying they are a legal office. I did tell them I work law enforcement back as a scare tactic, but after I said that and asked for more information, they got mad at me and said they were filing a lawsuit against me and were Sueing me. XXXX alleged case number XXXX have called my family members to threaten me over debt statute of limitations in XXXX I believe is XXXX years
Product: Debt collection

In XXXX of XXXX, I got a notification on my credit report of a loan fraudulently taken out under my name and information that I did not take out. Also saw that they ran my credit as an Inquiry on XX/XX/XXXX, again they also ran my credit on XX/XX/XXXX, and again on XX/XX/XXXX without my consent. I had not checked my credit or opened an XXXX until XX/XX/XXXX. I was unaware of this activity because I hardly request credit. During this time I was under XXXX XXXX with very limited income as I did not have a reason or need to request credit. The Original Creditor KWICKCASH Inc. ran my credit fraudulently at XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. XXXX gave out a loan to someone under my information of over {$2000.00} and failed to do their due diligence to ensure it was in fact ME requesting this loan. I contacted by phone & attempted & explained this is not my debt, not my loan and that I NEVER have taken out this loan. I requested for them to supply as to where I supposedly signed for this loan, and to provide what Identification they used to give this loan to someone else? They refused to provide that or acknowledge that their staff did not do their job to verify Identification prior to taking out a loan. All they instead said was to pay a collection of Identity theft that is not mine, and to go to my nearest police dept. Yet they failed their burden of proof to provide the documentation that was used by their employees to give out this loan to someone using my information. This has resulted in my credit scores to drop and affect my credit profile significantly. I have numerously tried to dispute this Identity Theft on the credit bureaus, but they keep reporting this non sense. KWICKCASH INC. finally sold this collection off to XXXX XXXX XXXX, XXXX opened XX/XX/XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, KS XXXX. Fraudulent Loan is at {$2400.00} at this time. It's taking me some time to get advise or get advise on how to get this resolved as I can't afford an attorney nor ever have gone through an Identity theft issue as this is the first time I have ever dealt with this before and felt lost after so many attempts to dispute with KwickCash Inc. and XXXX XXXX XXXXXXXX XXXX My goal is to have this resolved by deleting this fraudulent debt off my Credit Profile and all 3 Bureaus and for them to be adjusted and properly removed. I suspect that either the employees at KWICKCASH INC did not do their job ethically and responsibly or their own employees intentionally assisted in taking this loan out for someone they either knew or to help a criminal take it out to just make their commission, similarly to what XXXX XXXX and XXXX did back in XXXX of opening fraudulent accounts, except now the small financial companies like KWICKCASH Inc. are doing it. Please help. A Fraud Alert has been placed with XXXX and am doing my best to further resolve this.
Product: Debt collection

Phone calls started just 5 days after missed payment of XX/XX/XXXX. I requested not to be called, and stated I would set up a payment online. I have set up a payment online that includes XX/XX/XXXX of {$74.00}, and XXXX 's XXXX payment. My payment is set up for XX/XX/XXXX. I requested verbally on the phone to stop calling, and I sent an e-mail through the correspondence option on the Chase site not to be called. The calls are still ongoing, and they are repeated, calling every hour, every single day. I've also explained that it is causing XXXX XXXX and XXXX, and they refuse to stop the calls.
Product: Credit reporting

On XXXX XXXX 2016 I lost my daughters social security card along with mine, i made a police report and since she is under XXXX i want to make sure no one has tried using her ssn.
Product: Credit card

I have XXXX AAdvantage credit card through Barclaycard. XXXX of these accounts had benefit program which I paid an annual fee for of companion tickets for a cheaper price, the process for taking advantage of the program was you were mailed a voucher, that you then needed to call in to take advantage of being mindful of the blackout dates. I have no record of receiving the voucher in 2015, so was not mindful of the benefit until I was planning a trip this summer and remembered the program. I contacted customer service and asked were the vouchers mailed out to me, I did not receive them and was advised first to double check that I did not, if so, I could contact the service center and next steps would be taken? I called back another representative said nothing could be done, I asked to file a complaint - the complaint # 's are XXXX and XXXX. The representative said that I may or may not get a response - so I am using this process to ensure I will. Several issues, Barclay 's sends marketing material and posts information when I log onto the website on balance transfers, on other products - but no mention of how to execute on this benefit, no reminder e-mails to take advantage of it, no reminder that it was even close to expiring when it was - that is assuming it was even mailed. They marketing this benefit but made it difficult to take advantage of ... ... I request the benefit, allowing me time to take advantage of it for this cycle, my understanding the benefit has expired for my account, or I would need to pay a higher fee or if that does not work I request a refund of the annual fee for the period of time I did not take advantage of it for both accounts. A factor to consider is if other consumers with this product did not take advantage of this benefit % that paid the fee but did not use the benefit, a question as to why should be considered by this agency ... ..
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. there is some inaccurate information reporting. 
XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
12. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
13. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
14. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
15. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
16. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
17. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Mortgage

I was awarded funding through Florida 's Homeowner Assistance Fund ( HAF ) to help with mortgage payments that were behind due to COVID-19. I was awarded the funding on XX/XX/XXXX in the amount of {$10000.00} that was paid directly to the mortgage company MIDLAND Mortgage. For 6 months the mortgage company failed to apply the funding to the mortgage payments and held the funds in a separate " unapplied funds '' account. I've made several complaints to the company for holding the funds and applying late fees each month instead of using the funding from the state. After the complaints the company used some of the funds to apply to the monthly mortgage but still charged late fees. As of today, XXXX XXXX XXXX the company has stopped applying the remaining {$7200.00} and began sending past due statements when I still have funds available that can be applied to the mortgage.
Product: Credit card

I called Wells Fargo to dispute a charge and when I told XXXX I was also recording the call, he said he had to switch me to a supervisor. I was connected to XXXX who told me she couldn't talk to me since I was recording the call and hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I now have over twenty five hard inquiries on my 3 major bureau credit report. I didn't apply for all of these lines of credit. I applied at three car dealerships. Only they have my applications and authorization signatures. I think that when I started applying, some form of identity theft began and others began to apply to. XXXX XXXX informed me that I may have been exposed to two different data breaches. I wrote XXXX, Experian and XXXX to get these inquires removed and they are refusing to help. Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from XXXX stating that XXXX XXXX had reported XXXX past due balance on my report which caused it to reduce by 72 points. I went to the XXXX XXXX store located in XXXX, North Dakota in XX/XX/XXXX to upgrade my telephone and add a line for my daughter, and in order to process the upgrade I was told that I had to pay everything from a sub-account that I had cancelled with XXXX the month prior. I never received bills for this account and was overcharged repeatedly and have logged complaint calls with XXXX regarding this account from it's inception until it's completion. This was paid in full in the store and I was able to upgrade my plan and purchase a newer phone. 
I have XXXX phone lines through XXXX and they are all current and I never heard anything else about this old sub-account until I checked my credit report and saw that XXXX had reported it late as of XX/XX/XXXX. I called XXXX and they told me that they would not be able to help me because it has been sold to a debt collection company and to contact them. I told them that they said if I am disputing the charge, I have to contact XXXX directly-and that nobody would tell me why this paid account is showing outstanding or why on earth it was sent to a debt collection company without me having any knowledge whatsoever by phone call or in writing that there was anything outstanding. They told me they can't help me. This is ridiculous. I can't seem to figure out how they can just send things to a 3rd party collection agency without notifying me beforehand so that I can dispute this in person and show them I have a receipt for payment.
Product: Debt collection

My son, XXXX XXXX, passed away on XXXX. JPMorgan Chase calls me daily asking for XXXX wanting to collect his debt. I have repeatedly informed them XXXX has passed away. They notify me the account has been updated. But days later the calls continue. XXXX estate was fully dissolved as he had no meaningful assets. They have been informed about this. It is hard to grieve when firms like JP Morgan continue to harass me multiple times per week.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found some late payments on the dates below : 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Debt collection

A fraudulent account was opened in my name and repossessed by the bank. My identity was stolen to conceal this purchase and now capital one is trying to have me pay
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my Equifax consumer report, I notice unauthorized and fraudulent credit inquires made by the following companies ... Block and remove all Inquires listed below resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c- ( 2 ) which states that these inquires must be removed within 4 Business Days of receipt. I have also mailed out a FTC report to Equifax. 

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