23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

XX/XX/2021 I had found a company online to purchase a item I called them and someone texted me back and after added me on XXXX we discussed the item and how it works then I sent him XXXX dollars for an item to be shipped to me I used XXXX from my chase account. Come to find out the guy wont send me my item claiming my payment did not go through and he did not receive it. So I called my bank and they assured me my XXXX  payment went through after I called XXXX n confirmed the payment went through. After I called the guy back and still he insisted he did not received the payment the company I used was called XXXX  XXXX XXXX  and the XXXX XXXX user and as XXXX  XXXX. I tried to tell my bank and send them prove of messages I have n the prove of websites and that I was scammed but they deny to help or get my money back I called XXXX and they told me the same that I lost my money. Is there anyone that can help me?
Product: Credit reporting or other personal consumer reports

Contacted each credit bureau to try and correct wrong information no change to report.

Name Address Closed and open acct Amounts of alleged debts
Product: Student loan

Fed Loan Servicing received documentation on XX/XX/22 for XXXX application employment qualification. Fed Loan Servicing responded with incomplete answer and did not review the material properly. This same employer has been qualified in prior attempts. Employer directly reached out to Fed Loan Servicing on XX/XX/22. They stated that there we " working on it. '' This same exact process ensued last year and required CFPB intervention for the matter to reach resolution. Their delays have had significant financial implications.
Product: Debt collection

XXXX XXXX XXXX says I owe them {$140.00} as of the status date of XX/XX/XXXX I have NO idea about this debt whatsoever, and moreover, I dispute it. When I tried to contact the company, I was told they could n't find my information. 

Also, Portfolio Recovery Assoc says I owe them {$490.00}, as of the status date ofXX/XX/XXXX. I have once again, received NO information regarding this debt, and have not been able to have anyone contact me on the phone when I tried to call this company twice. They told me someone would return my call. No one has.
Product: Debt collection

In XXXX of XXXX, I was contacted by a person stating they were from a debt collection agency and they stated that I owed on a payday loan from Check into Cash dating back to XXXX of XXXX. I informed the person that I never took out any payday loans during this time because I lived in XXXX and XXXX where payday loans are illegal in both states. I thought this was settled until I received a call on XX/XX/XXXX from someone stating to be a paralegal and that there was a missed attempt to deliver legal documents to me. The number that contacted me is XXXX and they referenced an account number of XXXX. I spoke with a " XXXX  '' by the name of XXXX stating that legal documents have been filed with XXXX XXXX 's civil district regarding this payday loan from Check Into Cash. I informed them that I'm not familiar with this loan and that I couldn't have possibly taking this loan out. I was informed that unless I agreed to pay a total of $ XXXX and sign a document, this case would go to court. I informed XXXX that I needed XXXX hours to review the verification of debt document that I requested be emailed to me. As of today, I have not received said document. I then performed a XXXX search for Check Into Cash scams and found on the company 's website that there was a fraud department to verify accounts. I contacted the department and XXXX reps confirmed that I do not have an account in their system. 
I then called the number back and was directed to a man 's voicemail from XXXX & XXXX XXXX XXXX which doesn't even have a working website.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error. My request to block is not being made on the basis of material misrepresentation of fact by me, relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 

XXXX XXXX XXXX XXXX XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX in XXXX of XXXX after first being made aware of a fraudulent contract under my name with the company. My wife test drove this vehicle and was t-boned during the test drive, to which the car was total lost with the other driver being at fault. The dealership informed us that we would not be held liable in any way. A month later my car insurance canceled my policy for not having full coverage insurance on this vehicle. This matter has caused my family so much distress, from having to deal with the police to calling and visiting the dealership for months. I have never owned a vehicle or any property connected to this company! I was told that the company contacted the dealership and entered a lawsuit with them because I did not purchase a vehicle nor did I knowingly enter into any contract with XXXX. None of my proper information was ever verified by XXXX, the company was unsure how I even had a file with them. After contacting XXXX I stopped receiving bills but was unaware that this account was still on my consumer report. I do not or have not owned any material connected to this company in any way. I do not certify the validity of this debt, I have not provided written instruction or otherwise for this debt to be reported to my consumer file. This account appears on my profile as the result of fraud and identity theft.
Product: Credit reporting or other personal consumer reports

I appreciate your attention to the removal of some fraudulent items from my file resulting from an alleged identity theft. However, there are still items remaining that require removal. This marks my third complaint as a victim of identity theft, and I am submitting to dispute these fraudulent entries in my file stemming from the criminal activity. The disputed items are unrelated to any transactions for the acquisition of goods, services, or money that I have either made or authorized. Kindly remove the reporting of these items from my credit file, as they result from an alleged identity theft. Enclosed in this communication is my recently filed FTC Report # XXXX. 
-- -- -- -- -- -- -- EXPERIAN : XXXX XXXX XXXX XXXX XXXX, LA 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 LA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX, LA XXXX. These items are unfamiliar to me, and the information provided on these entries has been deleted from other bureaus. I harbor doubts about their accuracy, and the reported history on these items remains a mystery to me. In accordance with FCRA 605B ( c ) ( 1 ) ( C ) - Authority to decline or rescind, and FCRA Section 605B ( a ) - Credit Reporting Agencies shall remove any items in the file of a consumer identified as information resulting from an alleged identity theft not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

I disputed a {$2000.00} XXXX transaction that was made after my cell phone was stolen and account with Chase heavily compromised. Several other purchases made with the stolen device were reimbursed, but this one was not. The stated reason was that the device used to recover my account was the same device that had been used before the compromise. That was simply not the case. I had used a device kept for a back up, which had previously been used to access my account, but was most certainly not the device from which the fraudulent payment was sent. Upon receiving the denial of claim letter, I called the customer claim department, was told the reason for the denial, and that nothing more could be done. This struck me as an egregious injustice, and a huge flaw in Chases handling of this issue.
Product: Debt collection

There is a collection agency called The Bureaus who are trying to collect a debt from XXXX XXXX, that is not my debt. I have sent numerous letters to this company as well as to XXXX and XXXX where the debt shows as a collection. Debt is dated XXXX XXXX. This is not my debt and this collection is hindering my credit. No letter were received in return from the Bureaus or the credit Bureaus., This debt is not mine and is from a result of fraud., the address associated with this account is also not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts and information that I did not open and have no knowledge of. 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 any items listed on an ID THEFT REPORT. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA 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 XXXX Balance Owed : {$11000.00} XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION FILE # : XXXX So due to an active ID Theft alert on file, I can not upload supporting documentation in order to support my dispute for fraudulent activity and reporting on my file. 

Please see attached to have fraudulent collection account XXXX XXXX - {$1000.00} OPENED XX/XX/XXXX removed from file as well as inquiries that I did not authorize. 

XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I have attached my FTC Report to support this dispute.
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 Number : XXXX : Account XXXX XXXXXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX 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 XX/XX/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: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus XXXX and XXXX stated that my account with XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX has been properly investigated, but with further investigation by my part by obtaining a detailed credit report I have found inaccurate information reported. Collections inaccurate, Account type ( details ) inaccurate, Number of month ( terms ) inaccurate, High credit inaccurate, Payment status inaccurate, Last reported date inaccurate, Comments inaccurate, Date last active inaccurate, and also Last date of payment inaccurate. Also the reporting Originator Creditor name are not matching as well. In review of my consumer credit report I have noticed that there are multiple inaccuracies reported wich are violations of my rights under 15 USC 1681 SEC 602 ( a ), 15 USC 1681 SEC 604 SEC ( 2 ), 15 USC 1681 SEC ( 623 ), 15 USC 1681 SEC 611 ( a ), 15 USC 1681 Sec ( 2 ) ( 8 ) ( e ) 15 USC 1681 ( 5 ) ( a ) 15 USC 1681 602 A, 15 USC 1681 604 A. I have never gave permission written nor verbal for any information to be provided from or by any entity for any purposes. Under 15 USC 1681n ( a ) ( 1 ). Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} shall be awarded per violation. I want {$1000.00} per violation for actual and statutory damages as well removal of account from my consumer credit report by all reporting bureaus.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX through the debt collector company named Southern Credit Adjusters , Inc had billed me for {$1200.00}. 

Firstly, they did not notify me at all about any form of debt collection, especially if it were to be unpaid and go to collections, and yet they also did not inform me of any form of debt cancelation, both violations of Consumer Financial Protection and Federal Regulations. 


The Hospital provided a service that was very unhelpful, in fact, quite harmful, considering the state that I was in : they were doing remodeling & reconstruction in the ER waiting room, with it being beyond freezing outside and having cold air breathing down my neck and body as I was dealing with 4 different sinus-related sicknesses, of which all 4 sicknesses were tested as positive by a NURSE PRACTICIONER FOR FREE! They charged me for no real service other than a possible case of sickness, with no defined cure. 

The Health Insitution then proceeded to, after I personally had to search for how to apply for debt cancelation, if there was to be any at all, not inform me of any remaining balance, if any, and any communication between me and the hospital had been severed not by my own will. 

Now, I attempted to pay the bill in full all at once, and yet they rejected me paying the bill for no notice. 

I do not know why they did such things yet this is outrageous.
Product: Credit card

XX/XX/24 I called to find out what the minimum monthly payment needed to be to pay off in XXXX yrs ; they told me {$100.00}. I had to call them as their bank statement does not provide this type of information any longer. XXXX I called to check since the bank statement says minimum payment due was {$100.00} and the minimum payment due warning says it would take 16 years to pay balance if only making minimum payment. Their customer service rep said it was not an accurate note on the bank statement and was exaggerated figure. She also said the minimum payment I was currently making was applied to a 5 year repay plan based on the XX/XX/24 call. I only work on 3 year repayment plans, so they had it wrong or intentionally wrong. Today, they told me {$130.00} p/month based on existing balance minus ~ {$50.00} mo interest charge would be the minimum amount to pay off {$2600.00} balance in 3 years at rate of 25.9 %. This is too confusing and lacks appropriate details. The texted me a disclosure to accept new payment plan today {$130.00} for 3 years which I accepted. But given their track record on this, I am not fully trusting this will be correct. Why are they no longer displaying a 3 year repayment option on their statements? I though Obama administration via CFPB had enacted these changes? Is this wrong? Thank you, XXXX XXXX XXXX
Product: Debt collection

Alleging I owe on a XXXX phone bill, however I 've never had said lines. None of the lines had any usage and that is suspicious. I 've had XXXX for over 10 years. Sent me paperwork with my name on it when I requested validation, could have been forged. Nothing with my signature was sent.
Product: Credit reporting

XXXX account is a charge-off and information was SOLD to someone else.
Product: Mortgage

I was forclosed on by suntrust on XXXX 2013. Suntrust was suied by a class action suit and lost for illrgally foclosing home in the 2013 time period. I was part of the case and awarded money. I requested Suntrust Morgage escalation Resolution team to remove this from my credit since I was part of the class action suit and awarded money for there actions. They refused and stated my forclosure was valid and correctly reported to the credit bueru. I disagree since they were suied for morgages they forclose during 2013. It was for XXXX they had to award to customers. I would like this removed from my credit ( XXXX, XXXX and XXXX. All my attempts to keep the home was not accepted by suntrust. ( Loan modifacation, short sale ) They were goin to forclose on house nomatter what I tried to do. If they had forclose correctly they woulfg have not lost the class action suit for XXXX which was awarded to thousands of customers. I recriced a check also I was forclosed on XXXX XXXX.
Product: Credit card or prepaid card

This is the 2nd time I have had a problem with this company.  I have brought my account current and made a payment from what they are saying before the statement ending date and I was charged a late fee because they say I have not made a payment prior to the end of XXXX.  The one I made on XX/XX/XXXX was to be applied as the XXXX payment.  This State Farm credit card is such a sham.  The lower my balance is it seems they keep trying to find a way to keep assessing charges so this balance does not get paid off.  I currently have no card and no access to credit with them.  I called on XX/XX/XXXX to ask if they would waive the late fee as a courtesy.  The rep said she couldn't because I had already had one waived.  I explained what happened.  She got off the line and I suppose inquired of a supervisor and they said no. I sent an email on the same day making a request and was given a no answer.  Obviously I made a mistake and they continue to make me pay for it. I also made a $XXXX payment just today to satisfy my requirement so I don't get hit with another one.
Product: Debt collection

Capio Partners have reported a {$760.00} debt on my credit report. 

I am disputing this debt of {$760.00}, because it has never belonged to me ever! 

Capio Partners have been uncooperative in resolving this debt which has never belonged to me. 

This debt of {$760.00} is not mine and I demand a copy of my signature of the hospital admissions paperwork. 

My personal information was used with out my permission and with out my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late paying XXXX XXXX XXXX XXXX I disputed the accounts with XXXX , Experian and XXXX but they did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.