23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX, I bought a XXXXXXXX XXXX from XXXX XXXX XXXX It is located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I opened up a Best Buy credit card/ because wife deferred interests rate only if paid off in 6 months. The amount was {$1800.00}. I never sign anything at the store agreeing to paying interests rates. The store did not have in computer stock and it could be pick up on XXXX XXXX. It still was not in stock on XX/XX/XXXX, it was a confusing situation. The order for that computer was cancelled and another order was placed, same price of XXXX and without signing for an agreement rate acknowledgement. I paid my first payment of XX/XX/XXXX of {$500.00}. On XX/XX/XXXX, I paid {$400.00}. On XX/XX/XXXX I did have a charge of {$240.00} for home service. I made an online payment on XX/XX/XXXX for {$300.00}. After that I received a strange email from accounting services that I had exceed my credit limit. I called the accounting department and didn't get an understanding of why this email was send to me but was given an explanation of interests rates that was applied to my XXXX payment. Out of the XXXX payment which was not late, {$45.00} was to be applied as minimum payment up from {$30.00} and XXXX was taken out my payment for interest. Sorry that I didn't '' t get his name I tried to explain the terms that I agreed to and I never sign up for these interest rates. Twice I was told that a letter would be send to with corrections and haven't received yet.The card is issued by Citibank.
Product: Debt collection

THE COMPANY, PennyMac, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT NOR GAVE ANY CONSENT TO THE TRANSACTION. ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) THE TERM " BUREAU '' MEANS THE BUREAU OF CONSUMER FINANCIAL PROTECTION XXXX, XXXX, AND XXXX ARE ASSUMED TO BE CREDIT TO BE CREDIT BUREAUS AND THEIR IS ONLY ONE BUREAU AND THAT IS ONLY ONE BUREAU AND THAT IS THE CONSUMER BUREAU PROTECTION. XXXX, XXXX, XXXX, AND XXXX ARE ASSUMED TO BE CREDIT BUREAUS AND THEIR IS ONLY ON ONE BUREAU AND THAT IS THE CONSUMER FINANCIAL PROTECTION BUREAU. ON JUNE 5TH 1933, CONGRESS ENACTED HJR-192 TO SUSPEND THE GOLD STANDARD AND TO ABROGATE THE GOLD CLAUSE. THIS RESOLUTION DECLARED THAT " WHEREAS THE DEALING IN GOLD AFFECT THE PUBLIC INTEREST AND ARE THEREFORE SUBJECT TO PROVISIONS OF OBLIGATIONS WHICH PURPORT TO GIVE THE OBLIGEE A RIGHT TO REQUIRE PAYMENT IN CONGRESS IN THE PAYMENT OF DEBTS. THIS RESOLUTION DECLARED THAT ANY OBLIGATION REQUIRING PAYMENT IN GOLD OR A PARTICULAR KIND OF COIN OR CURRENCY OR IN AN AMOUNT IN MONEY POLICY, AND. EVERY OBLIGATION HERETOFORE OR HEREAFTER INCURRED, SHALL BE DISCHARGED UPON PAYMENT, DOLLAR FOR DOLLAR, IN ANY COIN OR CURRENCY WHICH AT THE TIME OF PAYMENT IS LEGAL TENDER FOR PUBLIC AND PRIVATE DEBTS. 15 USC 1681 ( 3 ) ( E ) ( e ) THE TERM : INVESTIGATIVE CONSUMER REPORT MEANS A CONSUMER REPORT OR PORTION THEREOF IN WHICH INFORMATION ON A CONSUMERS CHARACTER, GENERAL REPUTATION, PERSONAL CHARACTERISTICS OR MOD OF LIVING IS OBTAINED THROUGH PERSONAL INTERVIEWS WITH NEIGHBORS, FRIENDS, OR ASSOCIATES OF THE CONSUMER REPORTED ON OR WITH OTHERS WITH WHOM HE IS ACQUAINTED OR WHO MAY HAVE KNOWLEDGE CONCERNING ANY SUCH ITEMS OF INFORMATION. PennyMac HAS ALSO INCLUDED IT'S SYMBOL WHILE ATTEMPTING TO COLLECT A DEBT WHICH IS A VIOLATION OF 15 U.S. CODE SECTION 1692b ( 5 ). I DID NOT GIVE PRIOR CONSENT TO COMMUNICATE TO ME. THERE WAS NO PRIOR CONSENT FROM A COURT GIVING PERMISSION TO CONTACT ME, THUS THIS COMMUNICATION IS A VIOLATION OF 15 U.S. CODE 1692c ( a ) WITHOUT A COURT ORDER BROUGHT FORTH. PennyMac REPORTED FALSE AND INACCURATE CREDIT INFORMATION VIOLATING 15 U.S. CODE SECTION 1692e ( 8 ). THERE IS NO PRIOR CONTRACT WHICH AUTHORIZES XXXX TO COLLECT A DEBT FROM ME AND THERE IS NO PART OF A CONTRACT THAT EXPRESSLY AUTHORIZED THE COLLECTION OF SUCH AN AMOUNT. THIS IS A VIOLATION OF 15 U.S. CODE SECTION 1692f ( 1 ). I HAVE REQUESTED THIS COMPANY TO PROVIDE DOCUMENTARY EVIDENCE THAT A LAWFUL AND LEGAL VALID CONTRACT EXIST BETWEEN PennyMac AND I, XXXX XXXX XXXX XXXX. PennyMac has also threatened to auction my property and foreclose it. The transaction of a loan from PennyMac into the Consumer 's account of XXXX XXXX XXXX XXXX does not exist.
Product: Credit reporting or other personal consumer reports

the following accounts were charged off as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXXcharged-off as of XX/XX/XXXX Since then the accounts have been repeatedly been updated as charge-off every month. This is an update in payment history. A charge-off account should not include an active payment history. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate the entirety of these accounts properly and your neglect has violated my rights as a consumer.. I am demanding of the following accounts listed above to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has refused on to remove/delete false, incorrect information from my credit report on multiple occasions. Current accounts in question are US DEPT ED XXXX US DEPT ED XXXX On numerous letters direct to Equifax and sent through CFPB I have expressed and made them aware of false incorrect information reporting on these two accounts. On each dispute they have verified or updated account but account still shows inaccurate/incorrect information reporting. Leaving me to believe either this account does not belong to me or they are ignoring my request. Once again this account reflects a balance I do not recognize, the account is reporting multiple inaccuracies across all 3 different bureaus XXXX, Equifax, and XXXX. I have already sent in documents showing the incorrect information from all three bureaus. I will send in supporting evidence once again. Equifax, when I send them in this supporting evidence likes to open and close accounts in question. They opened account in XXXX, closed accounts in XXXX, XXXX now they opened the accounts for month of XXXX. On numerous disputes Equifax has closed the accounts, then later opened the accounts on my report allowing for my credit score to sway back in-forth being very detrimental to my well being. These accounts are reporting as collection account but Equifax has them open once again also with late payments. These are major errors and I have repeartedly asked them to remove these errored accounts from my credit report.
Product: Credit reporting or other personal consumer reports

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


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

PORTFOLIO RECOVERY ASSOCIATES LLC account # XXXX This is a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required. 
This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof that I am legally obligated to pay you. 
Please provide me with the below mentioned things : * The amount you claim I owe you along with a contract with my signature showing I have an agreement with your company * Explain and show me how you have computed the amount * Send me the copies of any documents that prove I agreed to pay the alleged amount * Identify the original creditor * Confirm that the account has not crossed the SOL period * Prove that you're a licensed debt collector in my State * Show me your license numbers and registered agent. 

I would like to inform you that in case your agency has reported invalidated account information to any of the XXXX main Credit Bureau 's such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both the federal and state laws. 
Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the FCRA * Violation of the FDCPA *Defamation of character If your agency can provide me with the requested documents, I will need minimum XXXX days to investigate this information, and during this period of time, all collection activities must be stopped. 

I would like to further inform you that if any action is taken ( during the validation period ) which could be regarded as detrimental to any of my credit reports, then I will seek advice from my attorney for lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when in fact there is no provided proof that it is. 

If your agency/company fails to respond to this debt validation request within a period of XXXX days from the date of your receipt, then the account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once. 

I would also like to request, in writing, that no calls should be made by your agency or company at my residence or work place. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. 

It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Product: Money transfer, virtual currency, or money service

Okay so I opened a dispute with Venmo about unauthorized transaction fast forward one day A representative contacts me and says they will Suspend my account until I can secure it and such one day later the dispute begins and I end up winning it now I messaged them and they said they now need me to provide my I.D and such to have my account unsuspended ( note I don't have any of this atm XXXX and when I check why I was suspended it says I'm in violation when I haven't done anything. So now my money is stuck and I need help!! 
Email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticend an incorrect and unauthorized item appeared in my report.
Product: Mortgage

I have a XXXX XXXX with BoA. Recently I was XXXX by XXXX XXXX. I had purchased XXXX insurance. My insurance company has sent a check to me, however BoA XXXX department refuses to give a XXXX XXXX to cash this check. I am not required to have XXXX insurance and do n't understand why BoA just ca n't give authorization. They are not required to be on this check because I am not required to have XXXX insurance. I have spent approximately {$25000.00} on my credit card. Why do I have to spend money for my expenses when all BoA has to do is release the check. Homeowners should not be XXXX twice. This is such a XXXX time in life when you have your entire space interrupted. Why does the XXXX department add to this XXXX? I would appreciate any assistance you can provide. Thanks in advance.
Product: Debt collection

My identity was stolen years ago. It came to my attention after the IRS said I owed more than {$35000.00}. I began checking my credit history and found credit cards, names, phone numbers, addresses etc. that was on my credit file since XXXX. I never owned these accounts or had any knowledge of them. I filed a ID theft report with FTC as well as with the IRS. I have put a freeze on all my credit reports and submitted disputes. I have also sent letters to all deb collectors that I did not recognized informing them of the identity theft. Chase was one of those companies and despite sending evidence to them showing I was a victim of identity theft, they responded on XX/XX/XXXX saying that they verified they're info was correct. How can they say this when somone has access to my SSN, Emails, Phone Numbers, Addresses, Credit History EVERYTHING. My info has been confirmed listed on the dark web by the credit bureaus. Chase is reporting I owe them more than {$16000.00}. THIS IS UNFAIR. You can easily buy someone's info off the dark web for cheap and open accounts, bills, houses anything you want in that person 's name. I AM A VICTIM OF IDENTITY THEFT AND I HAVE BEEN SUFFERING AND LOSING MONEY BECAUSE OF THIS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I hope this email finds you doing well. I am contacting about the forementioned company as I am going through the same issue as " XXXX vs. XXXX XXXX ''. with my credit report being inaccurate and the damages it's placed upon my life!! 

In XXXX of 2017, I went to XXXX XXXX and purchased a new XXXX XXXX. During XXXX, I had some payment issues and contacted their executive office for assistance... never received a response from them at all and about XX/XX/XXXX at about XXXX, they repossessed my vehicle, they sent me a bill of sale where they received {$6000.00} for the vehicle ... after reviewing my payments on my credit report, I've paid them {$11000.00}, adding the sale to that comes to {$17000.00}. Initial cost, {$17000.00}. 

They are not counting what I paid to them and have placed on my report that I owe them over {$12000.00}... it's false and it continues to cost me financially, men tally and physically every day!! After having my strokes mobility has now become a struggle. I've disputed this time and time again to no avail. I contacted IL Attorney General and presented my case to him. His recommendation was to seek legal representation as this issue must be addressed. I have attached all of my documents to you... please help me. 

( I HAVE ALL OF THIS DOCUMENTATION ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2023 a {$9.00} transaction fee was made by XXXX XXXX ( now XXXX. ) from my XXXX checking account. On XX/XX/2023, another transaction of {$3100.00} was made again by Self lender withdrawing from my same XXXX checking account. I have never had any contact with the company nor have I ever heard of the company until my checking account was compromised by Self lender ( also known as XXXX ). My bank- XXXX- was able to do a reversal on earlier withdrawals made from my checking and savings account but I was told by XXXX they can not go more than 60 days into a reversal per federal law, and the XXXX and XXXX transactions were made after the first withdrawal that occurred at the end of XXXX. 
I have called and emailed XXXX. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I only get a standard form letters stating they are unable to give me the money back that they took out of my account without approval or authorization. I have included my e-mail as well as their response below. You will see my latest letter to Self. and their standard reply I was given each time I emailed them. 

Hello, I have enclosed XXXX documents from my bank, XXXX. They explained that it is federal law that they can not credit back the {$3100.00} + {$9.00} transaction fee because of the 60 day restriction that I believe XXXX must be aware of since they are in the business of lending money. It is your responsibility to refund me the money Self stole out of my account without doing proper transaction handling with the person my money was given to. 
I am giving you a chance to reimburse my account with the money fraudulently taken from me. My account number is -- -- -- -- --. I was advised that Self. is quite able to reimburse my account especially since the irresponsibility came from your end. If Self. still will not reimburse my account please put me in touch with someone that has more capability to do so or I will be forced to report Self. CFPB and the U.S. Dept. of Treasury, Federal Trade Commission and whomever else I must to get my money back. The lack of quick response on your part has put me in a financial crisis. 
-- -- -- -- -- -- -- -- -- XXXX, Thank you for getting in touch. 

If you are reaching out to let us know there are possible fraudulent transactions listed on your bank account, please work with your bank directly to dispute any payments as unauthorized as we are unable to facilitate the returns on our end. Your bank will issue a refund in the form of a chargeback. Your bank will also need to take steps to secure your bank account as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the Equifax data break. On XXXX XXXX I filed out the preliminary paperwork. On XXXX XXXX I had access to the next phase - to fill out the XXXX ID preliminary paperwork. After filling out this paperwork, I was told I would get an email to activate the account. 

This email arrived on XXXX XXXX. The link however does not work -- the system is always busy, or it asks for my date of birth and then states that it can not continue. 

I called the number listed on XXXX XXXX - and was told that they could not assist me, they can only help with website issues. 

I have continued to try to access the site without success. I reached XXXX on the phone today -- he tells me they ca n't find any information on me. I am transferred to Customer Service. That agent XXXX XXXX XXXX also ca n't find my information and gets XXXX, a supervisor, on the phone. XXXX tells me that I am not showing up in their system and I need to start the entire process over again! 

I have spent more than a month trying to obtain the XXXX ID service they have offered without success. Now I am being told to start again -- and wait yet another month! 

My biggest concern is how did they lose the information and paperwork I have already submitted!! So not only was my information part of the breach - they have now lost my paperwork to protect myself from their original error. 

This is disgraceful and something needs to be done to protect me from their incompetence.
Product: Credit reporting or other personal consumer reports

Credit Pulled Fraudulently : Listed below on my credit report was hard inquiries from vendors and creditors who never had authorization to pull my credit written or verbally. I wish to dispute this fraudulent application and inquiry as I have been denied credit due to this fraudulent pulling of my credit report. If authorization can not be provided I wish to have the inquiries removed as this was not authorized and is reflecting against me with vendors. 

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

I have been disputing accounts with the bureaus for some time and have received no letters or anything. Its been 7 months, I expected to have seen some updates or letters and have seen nothing. I will attach the last letters I sent but there have been several others.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Repprting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, 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 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

Hello, I have sent 3 letters via certified mail to ( American Collections Enterprise inc ) on the dates below notifying them that they did not validate this is my debt, instead, they sent me all my personal medical records that violate my HIPPA rights. I was not sent a HIPPA release form and that makes them having my personal medical records without my permission against Federal law. They have yet to respond or remove this account from my credit report. requesting Dates letters sent : XX/XX/2021 XX/XX/2021 XX/XX/2021 XXXX claimed I owe : {$1500.00} Thank you, XXXX