23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I already talked to XXXX  emergency services regarding rhis matter. They are trying to collect my medical bills through my old insurance i use 5 years ago. I told them i already have a new insurance and gave my insuramce information and they told me they will fix it. But i checked my current if they claim it but they have not fix it. Then i recieved a letter from a debt collector. So it is between XXXX  and my insurance. Coz they promise they will call my current insurance but they didnt! And fyi its hard to get a hold of them. And fyi i have my conversation with them. I screenshot it!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # 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 & payment on a credit card account under sin open end consumer credit plan as late for Purpose.
Product: Debt collection

I reached out to the collectors and they agreed to delete it because the information is wrong, but now XXXX has had another credit agency trying to collect which is Enhanced Recovery Co L
Product: Credit reporting

Back in XX/XX/XXXX a claim showed only on Equifax. I contacted Equifax, got the phone number and contacted the collection agency. They could not find my account. This was disputed with both Equifax and XXXX Outcomes via XXXX Certified Mail XX/XX/2016. Response in writing was requested and there was no response. XXXX responded to Equifax ( according to Equifax ), but did not contact me nor send me the information requested under my rights by the XXXX XXXX. I simply requested name and address of original creditor. The original date of default or non-payment of the debt with the original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. Any fees added by the agency under XXXX ( a ) ( XXXX ). Texas XXXX bond information as required by XXXX. I received no response and have not received any response since XX/XX/2016. I filed a second dispute with Equifax and Equifax again said, " XXXX said it 's yours ''. I am filing a complaint with you and I will be writing a formal letter to Equifax requesting the letter be presented to any creditor reviewing my report. I still to this day ( XX/XX/2016 ) have not received anything from XXXX. This is not my account and furthermore they refuse to send me any information proving it is my account. Because they do n't have it. This is on my credit report and needs to be removed.
Product: Checking or savings account

Does the customer wish to dispute the transactions ) Yes : the customer wishes to enter a dispute Name on Card/ Account XXXX XXXX XXXX Did the customer participate in the transaction? 
Yes, customer did participate Select reason for the Dispute Customer 's ATM Deposit did not post at all What was the amount of the deposit that should have posted to the customer 's account? 
{$500.00} What card number was used? 
XXXX Was the deposit made at a Huntington Bank ATM? 
Yes, deposit was made at a Huntington Bank ATM Does the customer have a receipt? 
No, customer does not have a receipt What date did the customer make the deposit? 
XX/XX/24 What time did the customer make the deposit XXXX Where is the ATM located XXXX XXXX XXXX XXXX XXXX Did the customer deposit cash, checks or both? 
Deposit was all Cash $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

whom it may concern, The reason for this letter it to dispute an unauthorized inquiries on my credit report. On ( XX/XX/XXXX ), I retrieved a copy of my credit report ( File : XXXX ) and discovered multiple inquires that I have no knowledge of and did not authorize. 

Because I did not apply for credit with creditor or lender listed below, XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX  XXXX TRANS UNION XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have also reached out asking that they remove the inquiry from my credit profile in the past and received no response. 

Please launch an investigation into the above creditors inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if creditor is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my XXXX school and any other incoming deposits. Capital One has technical issues, which may violate the EFTA as it requires timely access to funds. This situation raises concerns about consumer protection laws, and i request your assistance in investigating this matter to ensure my rights are upheld.
Product: Credit card or prepaid card

Synchrony Bank XXXX XXXX XXXX FL XXXX TJX Rewards Platinum Mastercard XXXX XXXX XXXX GA XXXX I made a purchase at a XXXX XXXX XXXX  On XXXX. They convinced me to get this credit card to get a big discount for this purchase and future purchases. I planed on paying cash anyway so I new I would pay it off as soon as I got the bill. 

However, I didn't get the bill until after their due date which already included a late fee!! 
This was on XXXX so I called immediately and they removed the late fee. 
I complained about this fraudulent practice and cancelled this card right then. I paid the balance in full that same day as well so there would be a XXXX balance. 

Then I received another bill for interest of {$13.00} dated XXXX despite the bill being paid within 30 days of purchase! The woman I spoke to closed this account but didn't tell me that I would be charged interest otherwise I would have demanded that be removed as well. I verify every bill I pay so I was able to protect myself. I am turning to you to make sure this company gets investigated and stopped immediately. 

IT IS CLEAR TO ME THAT THIS BANK/COMPANY ENGAGES IN FRAUDULENT BILLING PRACTICES FOR PROFIT. PLEASE STOP THEM.
Product: Money transfer, virtual currency, or money service

sent a payment of {$50.00} to Request to XXXX  XXXX on monday XX/XX/2020 this payment was for cell phone unlocking services. the stated time was 40 minutes unlocking time. at the end of the stated time, the phone was not unlocked. receivd a text message from this guy and he requested {$75.00} dollars more to complete. i told him no. the next day is when i requested a refund from him. he does not answer text messages or the refund request from the app. 

this action by the cashapp user is fraud and the company should reverse this transaction immediately. they should not be able to perpetuate this fraud. i have text messages from the individual in question i can submit as well
Product: Student loan

On XX/XX/2017 I wanted to switch my loans out of XXXX. I contact Equitable Acceptance. They informed me, wrongly, that they would be my acting servicer and I would pay my loans directly through them ; I was also told this would only be a contract for 24 months. My total amount was {$1400.00}. 
I quickly learned, after signing, that they were not my carrier and they actually got XXXX XXXX as my servicer. I am now responsible for paying Equitable Acceptance about $ 45/monthly and have a hefty 17.99 % annual interest rate to go along with it. The contract was not as stated, as it was 48 total months not 24, and as mentioned before, they were not the carrier as stated to me over the phone. 
I am basically paying them for a free service. Furthermore, I believe they broke their contract last month, XX/XX/XXXX, because the one thing I pay them to do ( submit my IDR contract in on time ) was late. They did not hold up their end of the bargain, as I had to then put my loans on forebearance because my payments significantly increased due to Equitable Acceptance not getting my forms in on time. It also disrupted my 120 consecutive payments necessary for loan forgiveness. 
Please help me get out of this contract with these individuals who deceived me and have not held up their end of the contract. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My identity has been stolen. The following inquires showed up on my Experian credit report ( Report Number XXXX ). I do not recognize them and they are unauthorized : XXXX Inquired on XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, a supposed " credit reporting agency '' now being used by MANY real lenders, even though XXXX is providing FALSE information, and EXTREMELY LOW credit scores on me and THOUSANDS of other people, that do NOT follow FICO guidelines and they are most often than not, inaccurate reasoning as well! There are complaints everywhere including XXXX, XXXX, XXXX and others. XXXX is NOT one of the three major credit reporting agencies and are NOT providing a legitimate " FICO '' score, yet companies are using them to deny credit or only offer much higher interest rates which is unfair and against the law. I was denied credit based on XXXX 's report. They also do NOT allow us to obtain a copy of our report or score without mailing or faxing NUMEROUS personal documents, which is extremely UNSAFE and unfair of them, and I will NOT mail those documents which could then be used against me or sold to identity thieves! The 3 major agencies all allow online access to this information safely. This company XXXX XXXX, their name alone using XXXX shows they are a shady company that should NOT have access to all our personal information, needs to be shut down and charged with fraud at the very least! Limited Liability name or not, they MUST be held liable for their detrimental actions on THOUSANDS and THOUSANDS of American citizens!!! There should ONLY be the three MAJOR reporting agencies that are monitored and follow the LAW!! This company should NOT have access to our private personal information!!! Please stop this company from destroying so many people 's credit lives!! People all over the country are being overcharged interest rates or being denied credit they rightfully deserve, like I was denied!! PLEASE shut this scam company down and arrest the individuals responsible!!!
Product: Credit reporting or other personal consumer reports

I have inaccurate report of XXXX XXXXXXXX on my report I have tried to fix it and its on all 3 credit bureau I have screen shots and its affecting my credit.
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account.XXXX XXXX  XXXX XXXX and XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have discovered unauthorized accounts and inquires on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards Experian, Transunion, and Equifax for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me and seek resolution. 
ACCOUNTS XXXX XXXX {$630.00} XXXX  {$1100.00} XXXX XXXX {$520.00} XXXX  FIN XXXX {$1100.00} XXXX  XXXX {$3200.00} XXXX  FIN XXXX {$500.00} XXXX  XXXX {$1900.00} INQUIRIES XXXX/XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX/XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX FINANCIAL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX COAF XX/XX/XXXX XXXX  XXXX XXXX  FIN XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I am being repeatedly contacted by RMC about medical debts that I have either paid, insurance paid or these belong to my son. I have provided documentation numerous times to RMC to clear up the matter and I still receive threatening calls daily from them. They threatened to have me arrested and said they were having me arrested for fraud.
Product: Debt collection

LVNV has been harrassing me thru emails, calls, texts and letters thru the mail 15 USC 1692. I have asked them to show a contract showing I did business with them and they were unable to provide any contract of any debt and has been contacting me relentlessly 15 USC 1692 b ( 2 ) ( 3 ) ( 4 ) ( 5 ). They will not stop harrasing me, I spoke to a lady over the phone and she said they will stop the harassment bt they never did 15 USC 1692 ( d ) ( 5 ). They are slandering my credit with false information and is crippling me from other credit that I could really use now15 USC 1692 ( g ). 15 USC 6802 ( b ) ( 1 ), 15 USC 1692 ( k ), 15 USC 1681 ( c ) ( 2 ) I never gave these people permission to contact me and harass me or slander my credit.
Product: Credit card or prepaid card

I was a victim of identity theft. Someone stole my mail and got a hold of promotional checks that Citi card has been sending to my home which I specifically told them to stop doing. These persons used these checks to get cash which was charged to my Citi card. Transactions in dispute are {$750.00}, {$450.00} checks, and a {$48.00} balance transfer fee. 

I have reported this theft to Citi on XX/XX/XXXX, XXXXafter I learned about the fraud from our local police. The local police department informed me that they found some of my mail in someone else 's possession and asked me if I made any cash advances for the above-referenced amount. I reported this to Citi. Since then, I have been contacting Citi to resolve this case ( phone calls XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, 2021 ) and they have been giving me the runaround and transferring me to different departments. My last conversation with Citi was on XXXX XXXX  ( after two hours of waiting and being transferred several times ) they told me that they resolved this case in their favor. I asked them for what reason and what evidence do they have, and the agent said that they will get back to me. Every time I call Citi, the agent tells me that their investigations team will get back to me but they never do. I have not heard back from Citi. 

As part of their investigation, Citi sent me copies of the canceled cash advance checks ( {$750.00}, {$450.00} ) and asked me to complete a form that I filled out and sent back to them in XX/XX/2021. The canceled checks clearly show that the checks were signed by someone else. I also provided them with the local police case number and police officer contact info again. 

After months of trying to resolve this, Citi is still sending me bills and charging me interest. Every time I call, their agents give me the runaround, provide false information ( i.e. you don't have a balance on the card ). Citi has reported me to the credit bureaus for a delinquent account.
Product: Credit reporting or other personal consumer reports

TransUnion is reporting fraudulent items to my report. I have been a victim of identity theft for the past 5 years and there are fraudulent accounts that were open in my name that appears on my credit report. The following fraudulent accounts that appear are XXXX XXXX ( ORIGINAL CREDITOR : XXXXXXXX XXXX XXXX  ) ACCOUNT NUMBER : XXXX ( BALANCE : {$470.00} ) /I am not liable for this debt with XXXX XXXX and I do not have any contract with XXXX XXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX A ) ACCOUNT NUMBER : XXXX ( BALANCE : {$1500.00} ) /I am not liable for this debt with XXXX XXXX XXXX and I do not have any contract with XXXXXXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX ( BALANCE : {$5700.00} ) /I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX XXXX and I do not have any contract with XXXX XXXX. I have never had an account with none of these companies. Cease the reporting of the fraudulent items being reporting immediately. I am not liable for this debt. Please remove the fraudulent accounts listed above upon receiving this document. I have attached a copy of my complaint and letter that I have sent out to XXXX XXXX, a copy of my id and FTC report. ( Please See Attachments ).
Product: Debt collection

These XXXX Accounts have violated my rights According to the FCRA. 
1. Conns Appliances Inc # XXXX 2. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
Be advise this is a Notice sent pursuant to the Fair Credit Collection Practices Act ( FRCA ) [ 15 USC 1692g ] stating stating your claim is disputed and validation is requested.

This is not a request for " verification '' or proof of my mailing address, but A request for VALIDATION made pursuant to the above-name TITLE and Section. I respectfully request your offices provide me with competent evidence that I have any LEGAL OBLIGATIONS to pay you.

At this time, I will also inform you that if your offices continue to report invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, OR XXXX ) this ACTION may constitute fraud under both Federal and State Laws.

1. DEFAMATION OF CHARACTER ( per se ) 2.Negligent ENABLEMENT OF IDENTITY.

3. Fair Debt Collections Practices Act 15 USC 1692g VIOLATIONS 4. Fair Credit Reporting Act 15 USC 1681 VIOLATIONS FOR WILLFUL NONCOPLIANCE- 616. CIVIL LIABILITY FOR WILLFUL NONCOPLIANCE [ 15 USC 1681n ]
Product: Debt collection

Collection account that was settled and paid XXXX of 2020 should has reappeared after agreement was made and satisfied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your quick action and effectiveness in removing some of the negative information that was previously listed on my credit report. For now, I believe there are still issues with my file that need to be fixed. I thus ask that all of the false information attached and listed in my credit file be corrected right now. 
XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

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

Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

As stated on my previous complaint, I do believe that this is is not being handled the correct way. I keep being told the same thing over and over by the same person and my problem is not getting resolved
Product: Debt collection

A company called twice with a local phone number. I called back. They asked for my name I hung up. I tried again asked for their name. They said Spring Oak Capital I gave them my last name they they said they made a mistake and would take my number off the list. I dont know what they do or what list. It seems like a scam/phishing and Im worried I compromised myself
Product: Credit reporting or other personal consumer reports

YOUR COMPLAINT To Whom It May Concern : This is my second time writing you to update my personal information. 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX Please delete XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX the following names listed 2. My ONLY Address : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Please delete all other addresses such as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. Delete any and all other phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : Name : XXXX XXXX My ONLY Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/21 I got alerts

from all 3 XXXX, XXXX, Equifax I had a {$1000.00} CHARGE OFF and that is INCORRECT! It also damaged my credit reports ( plural ) and lowered my score that Ive been building back UP. This is LAST thing I need. This FALSE information as I am CURRENT and have not been late. No explanation other than an internal error. Insisted I get in writing they reported FALSE info.