23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am XXXX XXXX, filing a complaint about a collection attempt against me for {$4100.00} from XXXX XXXX XXXX for XXXX Synchrony Bank Account for PayPal Account XXXX have never applied any credit card or credit application to Synchrony or used PayPal in my lifetime.

*When I read my credit report recently, I saw a late payment past due of XXXX, XXXX, XXXX  days ++ According to that, I called Synchrony bank XXXX and they asked about my life history, then they forwarded it to PayPal customers service and, after a long hold, the PayPal representative hung up the phone on me. And after a short period, I got the collection letter from XXXX XXXX XXXX. Then I contacted the XXXX, and they asked me for a police report on this matter and from the local police department. 

I went to my local police precinct many times and asked for an Identity theft report. 

Finally, the police officer asked me for a detailed account statement from the Bank and Collection Agency and PayPal with details of the account. The police will not give any letter without details of an account for a collection letter.
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX, I financed a service contract with XXXX XXXX through GreenSky for {$7000.00} to cover ongoing laser treatment sessions. Unfortunately, XXXX XXXX has since gone out of business, and I am no longer receiving the services I financed. Despite this, GreenSky continues to require payments on the loan balance, even though the services are no longer being provided and can not be completed.

When I contacted GreenSky and spoke with XXXX at extension XXXX, she informed me that the only way to cancel the loan would be through XXXX XXXX. However, this is not possible since XXXX XXXX went out of business, did not provide any notification of their closure, and left no options for their clients. Their website no longer allows login access, and I discovered their bankruptcy when attempting to confirm my scheduled appointment for XX/XX/XXXX. My last service was performed in XX/XX/XXXX, and no services were provided in XX/XX/XXXX, yet my loan payment was still debited from my account in XXXX, which I believe is unfair. 

XXXX XXXX created an extremely unfair and one-sided contract for their customers. The contract states that even if only the first session is provided, the remaining services are not guaranteed, which is particularly dishonest given the nature of laser treatments, which require multiple sessions over a long period. Furthermore, the company offered a free lifetime guarantee, but they failed to uphold this promise, as they are no longer in business. For a {$7000.00} service, this behavior is both unethical and unjust. 

I am seeking assistance to have the remaining loan balance canceled, as the business closure has left me with no way to receive the contracted services. It is completely unreasonable to hold customers liable under these circumstances, especially when the terms of the contract are inherently unfair and the services promised can not be fulfilled.
Product: Payday loan, title loan, or personal loan

This is not a duplicate. The company did not even address any part of this complaint The biggest joke of all is that I tried looking up and on my credit report are reporting that I owe them XXXX after paying XXXX on XXXX loan. This complaint is going to CA DOJ as well and this predatory loan I am XXXX they are just stealing money and ruining credit. I have filed complaint /dispute with XXXX as well. I belive this is XXXX going by a different name They did not respond to how I have paid them XXXX and owe them XXXX now. After I received a statement which was not sent until after I filed this complaint. They have never sent me one bill, or one statement on line. On XXXX loan and having paid them XXXX how is it even possible I owe them more than the loan. This is predatory and they did not respond to any of this in the letter. I have already taken this to a lawyer and spoke with CA ATTY General on this. They do not send any monthly information. Also no one has responded to my last email to them sent on the XX/XX/19. This company needs to be regulated. I requested to settle this for XXXX but they did not respond to that. They just glossed over the complaint. I will be posting everywhere warning people not to use them ever!! There is no way I should owe more than XXXX after paying them XXXX this is insane!!! I will just not pay them anymore every again
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP XXXX XXXX, XXXX  XXXX XXXX   XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  is currently reporting and updating on my credit file. This account was included in my Bankruptcy # XXXX in 2014. They are in clear violation of the Bankruptcy Law Act for updating on my account every month, and this needs to be removed off of my credit report.
Product: Credit card or prepaid card

I let banana republic/synchrony know that i had a fraudulent charge on my account. When i first spoke to them I thought it had been handled. When I saw ( 1 ) that i was still being charged for the fraudulent charge ( 2 ) i had received some sort of letter about verifying my account info with their fraud team ( 3 ) i was getting charged late fees and such, i reached back out, i believe in early XX/XX/2021. They told me that they needed to cancel my current card and open a new one, which was fine. They also told me that because i let them know that there had been a fraudulent charge, that i would not be responsible for that charge, any fees or interest. It appears that when they opened the new card, they did a balance transfer of the outstanding balance ( which includes the fraudulent charge amount, fees and interest ) and are saying that I owe this amount. In addition, I activated my new card and when trying to use it on their own website to make purchases from banana republic brands, it has displayed various errors and i have not been able to take advantage of the rewards program. 

I would like them to ensure that i am no longer responsible for the fraudulent charge or any interest or fees associated with the charge. I also would like them to make sure i can actually use my new card. I would also like them to ensure my credit bureau reporting is accurate and does not make it seem like i am late or have an outstanding balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im extremely mad with XXXX because they are not following the law, I have four accounts ( that are reporting to the other two credit bureaus ( XXXX XXXX  ), ( USAA Saving Bank ), ( XXXX XXXX ) and a other ( USAA Saving Bank ), Are these for accounts are reporting tool or three credit Bureaus as per each creditor.XXXX XXXX, XXXX  are reporting these accounts but XXXX fails to report these accounts. I called XXXX multiple times letting them know about the issue also letting them know that they arent reporting anything since XX/XX/2018 they are  noncompliant to the law
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE IS A LAB COLLECTION THAT IS NOT MINE
Product: Debt collection

I requested from MRSBPO LLC proof of the Debt by mail with a certified return receipt. I requested proof of the debt, account statements, verification of Assignment, and a Detailed Breakdown of Charges and their License information.
Product: Payday loan, title loan, or personal loan

Today, XX/XX/23, I called speedy cash customer service. I was told that it was serviced by another department and then transferred. I was transferred to someone named XXXX. She told me that the loan was in their internal collections and was set to be sent to an attorney, but did not have a timeframe. She told me that the only option I had was to pay the loan in full. I asked if we could set up an arrangement to take care of the loan and she said that it had to be paid in full. I asked her for a letter to confirm the debt amount and she told me that there was nothing she could send and that their department did not send mail at all and that because she is on a recorded line there will be record of the conversation.
Product: Credit reporting or other personal consumer reports

Dispute results claimed they updated information but they did not!
Product: Credit card

Please investigate the attached documents, focusing on accounts inaccurately reporting me as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the accounts listed below multiple times. I have sent many letters and these accounts have remained on my credit reports. In accordance with the Fair Credit Reporting act these Convergent accounts have 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 witho
ut my
written instructions XXXX XXXX XXXX Account number XXXX US DEPARTMENT OF EDUCATION Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, via a debt validation letter sent by first-class certified mail ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), I requested validation from Radius Global Solutions of a debt/collection that was reported to my XXXX and XXXX reports. In addition, I then sent copy of the same debt validation letter to both XXXX and XXXX on XX/XX/XXXX via XXXX first-class certified mail ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to notify them of my request to the collector to validate the debt. After 30-days, and still to-date, I never received confirmed validation of the debt from Radius Global Solutions in any form XXXX XXXX, thus, removed the collection from my credit report. However, XXXX has still yet to do so.
Product: Credit reporting or other personal consumer reports

I formally request an investigation into these unauthorized inquiries and ask that you provide documentation regarding their origin. Please include all pertinent details, such as the name of the entity responsible for the inquiry and any records or consent forms that demonstrate my authorization for these actions. 

Since these unrecognized inquiries may harm my credit score and financial stability, I urge you to address this matter without delay. Your prompt attention to this issue would be greatly appreciated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I NEVER HAD THESE FRAUDULENT ACCOUNT AND INQUIRIES FROM MY REPORT. PLEASE REMOVE AND BLOCK THEM IMMEDIATELY. 

THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Vehicle loan or lease

Loan Company : CIG Financial I buy XXXX XXXX XXXX on XX/XX/XXXX {$15000.00} on XX/XX/XXXX I got XXXX and I cant work and I am not able to pay my car payment they repossession my car on XX/XX/XXXX XXXX on XXXX XXXX I called them to pay my payment to return my car unfortunately they said sold a car on XXXX XXXX in auction {$6400.00} almost {$10000.00} under the price According to the California Repossession Law : The legal owner or Bank Must give you 15 days written notice before they can sell or otherwise dispose of your vehicle. This notice must be provided within 60 days after repossession .this notice should tell you how to redeem your vehicle and should give you the name and address of the person to contact about payment. 
web Site address : XXXXl According to the law they have to wait 60 days after repossession after sell the car and THEY DIDINT and absolutely ILLEGAL also I don't receive any letter or notice from this company to inform me they want sell the car many many time I explant this company with email XXXX XXXX who responding my email and they dont want to do anything and push me to pay your payment Please help me to remove this issues from my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts XXXX XXXX XXXXXXXX XXXX, XXXX XXXX charge off the account number is XXXX 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
Product: Debt collection

the debt that a collection agency is attempting to collect from me, the debt is a result of identity theft. 
First and foremost, I want to emphasize that I have been a victim of identity theft from a XXXX data breach. I have strong reasons to believe that the debt being pursued by the collection agency is not incurred by me, as I have never engaged in any transactions or activities associated with the alleged debt. The information provided by the collection agency as well as the original creditor, specifically the statements of when the debt was used, does not serve as definitive proof that I am responsible for the debt. It is crucial to understand that the mere receipt of statements does not establish my involvement in the transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

These items on my credit report are from unauthorized use of my social security number and card. I did not authorize these accounts and inquires to be taken out in my name nor do they relate to anything I did as I am unaware of any of this. I have attempted to contact the reporting agencies in multiple attempts with no success of having these items removed. These inquires are hindering me from obtaining a substantial XXXX XXXX required to purchase a home. 

Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Regarding my collection on my credit report that you decline to remove. Can you please provide me with a copy of all your investigationdocuments verifyingthe debt per 15US 1681c, section 7 of the United States Code as required by law withing 15 days
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX These illegal fraudulent items still remain. 

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

XXXX XXXX XXXX XXXX {$7300.00} XXXX Opened XX/XX/XXXXXXXX XXXX XXXXXXXX {$5400.00} Date Opened XX/XX/XXXX XXXX XXXXXXXX {$4000.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX {$0.00} XXXX XXXX XXXX Ser Date Opened XX/XX/XXXX {$0.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt or credit management

Tomoboost continues to try and debit my accounts on a closed account.
Product: Credit card or prepaid card

I received a {$100.00} Vanilla Visa gift card as a holiday gift from my boss in XX/XX/XXXX. I never opened the cardboard packaging to use the card until XX/XX/XXXX. When I went online to make a {$10.00} purchase, it was rejected for insufficient funds. I looked at the balance of the card on their website, only to find out that the card had a {$0.00} balance. There were 20 - {$5.00} XXXX XXXX gift cards purchased with this gift card on XX/XX/XXXX. I immediately contacted Visa on XX/XX/XXXX via phone, and submitted a dispute form to them the same day. They finally responded on XX/XX/XXXX with a resolution letter, denying any recourse, as they said " The Payments Network allows recovery efforts to be submitted within 60 days of the date the transaction cleared the account. Your claim is outside of this timeframe. Unfortunately we have no rights of recovery. '' These fraudulant purchases were made before I even received the card in XX/XX/XXXX - I had no way of knowing that the card had been hacked! Their decision had no thought or care as to the events that preceded my dispute being filed. They just don't care. 

I sent another email to their gift card disputes department on Friday, XX/XX/XXXX, asking that they reconsider their decision due to the fact that the card was hacked on XX/XX/XXXX, and I didn't receive it until after the 60 days of recovery had expired. I tried calling their customer service department, and spoke with XXXX, who told me I had to wait for someone to respond to my email. I am just getting the run-around from Visa, and I am totally frustrated with them. My boss spent {$100.00} on a gift card that didn't have any value on it when he purchased it, and passed it to me, thinking he was giving me a nice gift. 

I am unable to attach my emails to them, but am more than happy to forward them to you if you provide me an email address by which to do so. 

I am hoping you are able to help to obtain a replacement gift card from Vanilla Visa, as the way they treat a victim is absurd.
Product: Credit reporting, credit repair services, or other personal consumer reports

see attatched Equifax XX/XX/XXXX referencing SECTION 605 B c of Fair Credit Act DENYING MY REQUEST FOR VERIFICATION. Please explain the allegation of ( B ) Basis of material misrepresentatation of fact by consumer.?? WHAT MATERIAL MISREPRESENTATION OF FACT IS EQUIFAX ACCUSING ME OF?? I DID NOT OPEN THE XXXX VISA ACCOUNT. Provide verification this visa was opened by me OR DELETE. See attatched XXXX 1099-C CANCELLATION OF DEBT XX/XX/XXXX ( * VISA XXXX DEBT it was both? 
But canceled XX/XX/XXXX. Account XXXX. ) This was a mastercard CANCELLED DEBT ) It turned into a Visa Card ( 4 ) Years later XXXX Without my Knowledge. See attatched XXXX XXXX VISA card ending XXXX CREDIT CARD FRAUD CLAIM {$470.00} UNAUTHORIZED TRANSACTIONS XX/XX/XXXX dated XX/XX/XXXX Fraud Claim Date XX/XX/XXXX. VISA end XXXX Had Unauthorized Transactions the first time I used it. I DID NOT APPLY FOR THIS CARD BUT USED IT WITHOUT KNOWING I DID NOT OPEN THIS ACCOUNT. See attatched XX/XX/XXXX United States Inspection Service ( Deliveries Not Made by USPS. Per Mail Rule ) Please Provide Verification ORIGINAL SIGNATURE PROOF DELIVERY the ITEMS WERE DELIVERED INTO MY HANDS on XXXX & XXXX  ACCOUNTS. that I was charged OR DELETE.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX .... Balance : {$6700.00} ; XXXX XXXX XXXXXXXX XXXX XXXX. Balance : - ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$370.00} ; XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXalance : {$9100.00} ; XXXX XXXX & XXXX XXXX Balance : {$350.00} XXXX CXXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX XXXX : XXXX NO VALID CREDITOR : XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX   : XXXX Inquiries : XXXX  XXXX  XXXX : XX/XX/XXXX XXXX  XXXX XXXX : XX/XX/XXXX XXXX  XXXX  : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX  XXXX : XX/XX/XXXX XXXX  XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX/XXXX  : XX/XX/XXXX XXXX/XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX  XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX/XXXX   : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX