23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/year> I was called XXXX times in a short period by Credit Management Company. They called using XXXX separate telephone numbers. I called each number back and was greeted by an automated message stating the name of the company Credit Management Company. Each time I block a number they call me with a new one. Their website is - XXXX XXXX XXXX The XXXX numbers they called with were : XXXX ( XXXX calls ) XXXX ( XXXX calls ) XXXX ( XXXX call )
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of Account - XXXX XXXX Balance XXXX Account -XXXX XXXX Balance XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX PA, XXXX Email : XXXX Enclosures : Proof of identity Trafficking documentation
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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have had a Wells Fargo checking account for over 40 years. Most recently, it has been a Wells Fargo Prime checking account, which charges a {$25.00} per month fee unless {$20000.00} in qualifying balances are maintained. A few months ago, I got a notice from Wells Fargo that my account was being changed to a Premier checking account. The Premier checking account charges {$35.00} per month unless {$250000.00} in qualifying monthly balances are maintained. I have always maintained adequate balances to qualify for the fee waiver at the {$20000.00} level, but could not possibly maintain balances of {$250000.00}. I should also add that the benefits to the customer for this higher level of fees are insignificant. 

Wells Fargo did not seek my approval in making the change, and did not offer guidance of what I should do if I did not want to accept the change. I had to figure it out and initiate action in order to keep the product I had chosen and been satisfied with for many years.
Product: Money transfer, virtual currency, or money service

my account was hacked and social security card, identification card, birth certificate, and debit cards along with phone was stolen and used to access my accounts and make transactions I didn't know about. I called PayPal and informed them of the problem but was refused access to my Account because my information had been changed and I could no longer verify the account. my money was stolen from XX/XX/2023 until XX/XX/2023 when I was finally able to regain access to my account with the help of a PayPal representative. I filed disputes against the unauthorized charges and they were automatically denied by PayPal without an Investigation I was told by several representatives. PayPal then took. oney from my account After informing me that XXXX cases would be closed I my favor and refunded to my account instead of crediting my account with the amounts PayPal debited the amounts fro. my account bringing my account to a negative balance. again they brought my account into a negative balance after allowing a person to lie and say that I sold the something when I explained to them that XXXX XXXX added his money to my account because theyhaimitatiobz on his account so that he could retrieve his money to use. I was told by several representatives that if I submitted a statement that I had no knowledge of the charges mentioned that I would receive my money back to my account within 3 days I had to submit statements 3 times and still havent received my funds back to my account. I have threatened to sue the company for funds they stole from me and the funds theyve failed to replace which is supposed to be FDIC insured they just placed a limitation to my account and deleted all messages between us that had anything to do with my complaints against them they made emails and messages disappear and stopped my ability to screen shot transactions I question. they failed to respond to me in a timely manner. at the same time my fiance account was hacked and take over they made sure to return his funds without any questions or requirements that they said were necessary to receive stolen funds I feel I have been immensely discriminated against as XXXX XXXX  XXXX  in XXXX by the company I requested information to file suit and was denied information stating they didn't have access to any corporate information. they once again denied me any funding return after no investigation after removing limitation to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 2. there is some inaccurate information reporting. Account XXXX : XXXX Please remove it from my credit report. 3. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

UNITED WE COLLECT INC Account number XXXX Recent balance {$2300.00} as of XX/XX/2020 is reporting a collecting that is erroneous, I don't recognize. I contacted United we collect on several occasion to request validation of this account and to request removal of this account because I do not recognize it and original creditor XXXX XXXX XXXX  was already paid by my insurance company. Instead of complying or responding to my letters United We collect is not aggressivly attempting to collect debt for the balance I don't owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove reporting of the account name filings from all consumer reporting agencies. 
-Delete this account immediately no more investigations you reported these inaccuracies for three years now and none of documentary evidence was shown for what II requested. unless you want to be held for a {$1000.00} a violation and for damages as well. 
Ignoring this Cease and Desist will be evidence that the infringement, were willing, deceptive and in violation of the ( FCRA ) The Following accounts I wanted deleted below : XXXX : XXXX Not mine all info inaccurate delete immediately - {$1000.00} violation XXXX XXXX XXXX never late update to I uploaded proof below please have them follow the law and have them to delete accounts listed below and I would like to get compensation under the ( FCRA ) because these accounts been inaccurate for years and they have been getting away with it and XXXX emailed me a fraudulent contract when I requested for the original. I signed in pen and XXXX and an electronic signature. I believe it's fraudulent
Product: Credit reporting or other personal consumer reports

I appreciate your time to correct some of the misleading information previously reported on my credit file. Right now I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the remaining account needs proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for another investigation of the account listed here : XXXXXXXX XXXX XXXX Balance Owed : {$23000.00}. If your investigation is not able to confirm the validity of the accounts information I believe is inaccurate, please update it right away. Additionally, please supply the description of the procedure used to determine the accuracy and completeness on the information to my address provided.
Product: Credit reporting or other personal consumer reports

I have tried to finance several Things such as cars and loans and i keep gerring deined to the fraudulent activities on my credit report The Fpllowing Accounts are unlawful and have been reported without mt consent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Am Requesting ALL OF THESE ITEMS BE EXCLUDED OFF OF MY CREDIT REPORT WITH MONETARY RELEIF FOR THE VIOLATION OF MY RIGHTS and the VIOLATION OF THE FOLLOWING USC CODES : 15 USC 1681 ( a ) ( 2 ) Exclusions 15 U.S Code 1692 ( I have the Right to Privacy ) 15 USC 1692 ( a ) ( c ) a debt collector must have my consent to report and according to FCRA and the FDCPA and for violation according to 15 USC 1681 ( i ) i am entilted to monetary compensarion
Product: Debt collection

ONEMAIN has engage in unfair behavior and willfully noncompliance with the law. knowingly using deceptive tactics on undermine my credibility and give lenders the wrong impression. On XX/XX/2022 I sent a letter to onemain and they did not respond and also I sent the second letter to onemain on XX/XX/2022 and ask the for the second to third time that I request onemain and XXXX on XX/XX/2022 and XX/XX/2022 to please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I have added copies to show how onemain falsify information or took information from my disputes and refurbished as new. Also in my copies you see were onemain has scratch out my name and removed it under the so call signing line these documents are false. The address and account number that onemain report under my social on my credit report is incorrect I did not open this account.
Product: Debt collection

The company, Lien Enforcement , Inc - Wrote a letter, as I will attach, threatening for me to pay a fine of XXXX for a fine for a towing company for a car I DO NOT OWN ANY LONGER. We have already been to the XXXX and filed our release of liability, last XXXX 2015 -We have called to confirm, and XXXX also advises we are not the owner. The company threatens to report me to debt collection, and when calling to notify them that we are no longer the owner and that we can provide release of liability, they inform us " it will do us no good. '' They need to do their work, and notify the correct owner of car, as XXXX can confirm that information for them. They are a SCAM company, trying to bully other owners into paying money they do not owe.
Product: Credit reporting

Submitted a dispute regarding a collection listed on the report that was paid to the original creditor. The collection agency is stating the information is correct when it is not. I have submitted a receipt from the original creditor and it still is not being corrected.
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. 

Account Name : DPEDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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: Credit card

On XX/XX/year>, I purchased tickets to attend XXXX XXXX  performing on XX/XX/year> at The XXXX XXXX, as advertised to me in a XXXX email recieved on XX/XX/year>. I realized this to be false when I noticed the bands XXXX posted their tour and XXXX, The XXXX XXXX venue wasnt included in XXXX XXXXXXXX band tour, and they were performing in XXXX on XX/XX/year>. In addition, I received an email reminding me of the concert, however they did not mention XXXX XXXX in the line up, just XXXX XXXX and XXXX XXXX, which was not mentioned in the email from XXXX announcing XXXX XXXX. I was a victim of false advertisement through the venue and of XXXX. So on XX/XX/year>, I contacted XXXX in which they resolved they couldnt refund me the amount of {$43.00} for the falsely advertised concert on their behalf. I then contacted Capital One on XX/XX/year>, in which they resolved the case today, on XXXX XXXX as invalid and I was charged the full amount of {$43.00}.
Product: Credit reporting or other personal consumer reports

I did not personally, XXXX XXXX ; create this account.
Product: Credit reporting

Experian is holding me liable for debt that I did not apply for. I am a victim of identity theft and they refuse to remove the fraudulent accounts. The fraudulent accounts are XXXX XXXX and XXXX XXXX XXXX XXXX. I 've uploaded my identity theft report to their website and sent a certified mail copy. They are violating federal law by keeping this fraudulent debt on my credit report.
Product: Debt collection

I AM A SEPARTED INDIVIDUAL RESIDING ALONE WITH MY XXXX  PARENT AND IN XXXX  I REVIEWED MY CREDIT REPORT ONLINE TO CHECK MY CREDIT SCORES AND FOUND THAT THERE IS AN UNKNOWN JOINT ACCOUNT THAT WAS OPENED THAT I KNOW NOTHING ABOUT AND UNDER SECTION 609(e); I HAVE NOT AUTHORIZED XXXX  THE ORIGINAL CREDITOR TO ACCESS MY CREDIT REPORT FOR THE PROCESS OF A PROPERTY LEASE APPLICATION.  THIS ACCOUNT WAS OPENED 
UNLAWFULLY AND HE USE OF MY PERSONAL DETAILS WAS DONE SO NEGECTFULLY BY THIS COMPANY, THEREFORE, MY REQUEST IS FOR FULL VALIDATION INCLUDING WET SIGNATURE, AND THE INFORMATION USED TO QUALIFY THIS ACCOUNT, AND I REQUEST THAT THIS ACCOUNT BE BLOCKED FROM REPORTING FRAUDULENT ACCOUNT UNDER SECTION 60B OF THE FCRA WAS SENT VIA USPS DELIVERY CERTIFICA TION,
Product: Money transfer, virtual currency, or money service

on XXXX XXXX, saw a XXXX 2014 on sale for {$19000.00}. Made contact and person was representing his Aunt and directed us to XXXX and XXXX XXXX XXXX at XXXX. We communicated with the seller, XXXX and decided to purchase she had turned the sale over to XXXX XXXX at that time we were directed to wire transfer {>= $1,000,000} from our bank XXXX to Wells Fargo to the account as follows : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Product: Money transfer, virtual currency, or money service

I was purchasing a product from someone and they scammed/ frauded me out of {$2500.00} I messaged them many time to get my money back and I had no luck. 

I called my bank to get the money back they said they could not get it back. 

The transaction happened on XX/XX/2022 The persons name was XXXX XXXX and I used XXXX with Schoolsfirst.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of today, Navient is continuing to report on my XXXX  credit report 3 student loans that were included in chapter XXXX bankruptcy in XXXX  as having balances and in charge off status ( the other bureaus have deleted or corrected this info ). I have notified Navient and they have closed out my disputes as duplicates in error without addressing the issue related to my bankruptcy filing in XXXX. The issue that I reported previously regarding these loans was in regard to the original delinquency dates, which is another matter. Regardless of the original delinquency date dispute, these loans were included in bankruptcy on XX/XX/2019 and discharged on XX/XX/2019 & Navient was obligated at that time to report a XXXX balance on all of the loans they held at that time and stop reporting charge offs. Not only did they fail to do so, but I have now notified them a total of 5 times in writing that they have ignored. I need this immediately fixed on my credit or I will file suit within the next 14 days. These are old accounts that should not be reporting any activity since the bankruptcy. 

I do not agree that I owe this debt and nothing in this correspondence is an acknowledgement of any debt.
Product: Payday loan, title loan, or personal loan

I applied and received a loan from Avant on XX/XX/2015 for the principal amount of {$9000.00}. 

During the course of the loan, I failed to make payments for nearly a year. Afterwards, I brought the account current, and have kept the loan current for the past 14 months. I have paid all additional interest, late fees and other charges as outlined in the agreement.

for the past 8 months I have been requesting an updated amortization table that outlines the additional interest I will be paying due to my late payments, the total cost of the loan and the last payment date.

Initially, Avant responded with an " updated '' schedule. After review I found it to be incorrect, and it was blatantly obvious they filled in random amounts. I responded asking them to fix it - to which they replied, some time later, with the same table, which was still incorrect. 

More time went by and a new representative provided me with a new table, but it was still incorrect! As 3 or so months had gone by at this point I demanded to be provided with the information of my loan in its current status. For all I know, they are charging me unlawful interest, penalties, etc that I would never know about! After reviewing payments in their online system, the payments over the last 14 months or so have been 100 % interest, and not a penny has gone to principal. How am I supposed to know where my payments are going if they can't provide this information? 

Finally, another 3 months had passed without any contact from them, despite me emailing constantly asking for a resolution. Yesterday, they responded saying that they are unable to provide this information to me - how can that be legal?!? 

I am attaching all emails, and documents they have provided me.
Product: Debt collection

Account was paid in full on XX/XX/2022 of XXXX. As a result the company agreed to remove any negative comments from credit when reporting. Additionally, the account was closed and late payments were still reported. There is also a balance still showing on XXXX. It has been removed from the other 2 credit reporting agencies such as XXXX and XXXX. This XXXX account should also be removed from XXXX.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within XXXX business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( XXXX ) suitable identification proof ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the consumer 's identification of the relevant information; and ( XXXX ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$4000.00}, {$1900.00}, {$3300.00}, {$2200.00}, {$250.00}, {$5400.00}, {$1900.00}, {$3200.00}, {$1800.00}, {$2300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

6. XXXX XXXX XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$250.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 

8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

9. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of  {$1800.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

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


XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX h

as 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 turnisn a account wino my instructions 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reportina agencv mav make an consumer report containina an of the followina items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven vears 15 U.S.C. 16815-2 ( 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