23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX called and said they were looking for my mom because she was being sued XXXX called again with the same threat XXXX called again with the same threat XXXX called again this time with actual payday loan history and threatened again. My mom paid {$150.00} and made payment arrangement XXXX called again with same threat and said agreement was voided due to my mom breaking it? She hasnt spoken with them since the XX/XX/XXXX. 
XXXX called again and said this matter is not going to go away on its own. 
XXXX continued to call repeatedly. 
XXXX continued to call repeatedly and threaten that this will be used in court. 
XXXX called again and said this matter is not going to go away on its own, left voicemail threatening that this matter is not going to go away on its own and the ignored calls will be used in court and make me lose.
Product: Credit reporting or other personal consumer reports

XXXX not addressed but like all the others this is a stall tactic
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has fraudulent accounts posting to my credit file I have sent them police reports a identity theft affidavit and a ftc report so that the fraudulent items can be removed the fraudulent items are XXXX XXXX XXXX XXXX and XXXX XXXX The other two bureaus  have removed these fraudulent accounts, by law equifax has to remove fraudulent accounts and block them from reporting
Product: Vehicle loan or lease

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 a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Product: Checking or savings account

Chase allowed several unauthorize transactions on my account in which I am asking a full refund back ASAP as these are my life savings. 

The unauthorize transactions are : XX/XX/XXXX from Blockchain.com for {$5000.00} ( which I already received refund from ) XX/XX/XXXX from XXXX XXXX transactions for {$5000.00} XX/XX/XXXX from XXXX for {$5000.00} XX/XX/XXXX from XXXX for {$5000.00} XX/XX/XXXX from XXXX for {$5000.00} A total of XXXX USD. The same company XXXX credit my account {$8.00} USD and for this reason chase is denying my claim with that merchant. This is absurd, so this company fraudently withdraws my account for {$30000.00} USD and randomly credits me {$8.00} then Chase refuses to help me. I want to repeat that XXXX is a fraud company and I never done any business with them. These are unauthorize transactions I never approved. Any transaction related to XXXX and XXXX are not and will not be authorize by me.
Product: Student loan

I Had recently reviewed my credit report and discovery these account on my credit report. XXXX Open on XXXX in the amount of {$1800.00} and XXXX XXXX XXXX Open XXXX in the amount of {$320.00}. The company state that the debt is mines! HOW? but I was XXXX with XXXX during that time and I received XXXX XXXX at the same time. So I don't recall applying for these account. They are reporting on my credit report from and would like them to be removed as soon as possible please and thank!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my identity stolen in XX/XX/2019. I filed a police report and followed all the outlines practices to lock my credit. I am now trying to lease a new car and Equifax will not unlock my credit for XXXX XXXX to approve my lease. They are telling me I have to send via US Mail / FAX and they will get back to me in 5-7 business days. They won't accept an email of a text message, which both can be traced back to my personal IP address or ANI information, but instead they select two communication mediums that are not very secure. I escalated several levels at their call center and they all read the same statement and would not help even thought they sent me my Credit Report a few days ago and I had it in front of me and could answer any / all questions. Now I'm a victim for a second time ...
Product: Debt collection

Synchrony Bank is a third party debt collector for Lowe 's XXXX XXXX credit cards. In order to force digital billing without itemization, Synchrony adds {$1.00} to each and every paper statement sent by mail monthly as a coercive tactic. I have spoke to Synchrony. The customer service reps display an attitude of indifference and indicate either " pay up or lose your credit. '' Digital billings are subject to changes by the debt collector without the consumer 's knowledge. Digital billings allow the debt collector to create duplicate accounts without the consumer 's knowledge. Digital billings are difficult to dispute because only the debt collector has a complete record while the consumer is forced to rely on the debt collector for information. 

I require a paper statement when I am being billed by Synchrony. I should not be forced to pay an extra {$1.00} for something to which I am entitled under the Fair Debt Collection Practices Act and Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : Account # ( 7 total ) Sent via CMRRR # To whom it may concern : I recently disputed with all three ( 3 ) credit reporting agencies the accuracy of reporting on this account, and the results came back either " verified '' or " updated ''. There are several inaccuracies across all three credit reporting agencies. 

This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have reported to my credit file. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4, this Notice of Direct dispute includes : XXXX XXXX as shown on my Credit Reports ( attached ), is showing incorrect information. 

Basis for dispute : 1. You verified Recent Balance as " Not Reported '' 2. You verified High Balance as " Not Reported '' 3. You verified account status as " Transferred, closed '' 4. Date of Status hasn't been updated since XX/XX/XXXX 5. Actual Payment Amount is {$0.00} on XXXX 6. Credit Limit is {$0.00} on XXXX 7. Date of Last Payment is incorrect on XXXX  8. Account Status on Equifax is " Over 120 Days Past Due '' Supporting evidence : Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4, you are required to review the information that has been provided to you to complete your investigation of this Direct Dispute within 30-days of this notice. I demand a written response from the competent authority in your organization no later than XX/XX/XXXX to my address of records. 

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file. 

Enclosures : XXXX  dispute - XX/XX/XXXX, XXXX Dispute - XX/XX/XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX
Product: Mortgage

Bank of America has no consistent, real-time system in place. We have to constantly resubmit documents for remodification if our loan and the system says its still in process yet the account manager stated that it is not a reliable system and not real-time for the account status. She also stated that our remodification application was closed when we were previously advised that we would be contacted with an update on the outcome of the review. My husband and I were outraged to receive a preliminary foreclosure document delivered to our home on Thursday night XXXX/XXXX/XXXX. We never received this update that was promised to be communicated by Wednesday XXXX/XXXX/XXXX. Please help us!!!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I used Western Union to send {$1000.00} to XXXX XXXX, I paid the transfer fee of {$7.00} ( something that is done electronically ) But I feel I was ripe off on the exchange rate. The current exchange rate from COLONES TO DOLLARS is {$640.00} colones per dollar. The exchange rate I was charged was 540 colones per dollar ( an exchange rate from XXXX ). That is {$150.00} dollars out of my {$1000.00}. A 15.9 % charge plus the {$7.00} dollars transfer fee. Western Union charged {$160.00} dollars on a {$1000.00} dollar transfer. I find the charge very excessive. 
I contacted the company via chat, which I enclosed, and I received no resolution but apologies. With today 's inflation apologies don't help. 
Last time XXXX  modified their exchange rates was XXXX ( see attached ). 
Lots of things can happen in a country that will affect their exchange rate. 
XXXX  should update their exchange rate at least once a year. I find it greedy on their part, their current exchange rate. I don't know if this is true for every country, but as a consumer protection agency, you should do something about it. I will really be surprised if I get any percentage of my money back. I think, XXXX is playing the odds that consumers will not check exchange rates. But this is the last time I used XXXX, a company with a very long history. Is a shame.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion will not send a copy of the current information that they have in my regard to the address that they have on file. The same address to which they have sent 3 requests to " provide them with an address ''. See complaint # XXXX-XXXX. Their response to this complaint did not apply to the situation. It was a general response to someone questioning items on a Credit Report. No attempt was made on your behalf to require them to send me a report. The only thing that they did was send another request for " an address '' to the same address that they already have. Please investigate - not just send this complaint to them. Thank you.
Product: Debt collection

This agency has repeatedly violated my rights under the Florida Consumer Credit Protection Act ( Fla 559.27 ). When they were notified back in XX/XX/XXXX, they sent a file to a XXXX. They are again pursuing collection in violation of fla law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are showing an XXXX XXXX Credit Card on my credit report. I am no longer on that account. XXXX correctly reflects that I am not responsible for an XXXX XXXX Card Credit Card, and as such, my credit score with them is much higher.
Product: Credit card

In late XX/XX/XXXX, I opened up Case # XXXX to understand why Chase Bank XXXX the XXXX XXXX  XXXX  XXXX Credit Card XXXX  XXXX  on XX/XX/XXXX instead of in XXXX when the {$5000.00} required spend for the XXXX qualifying nights was met on XX/XX/XXXX ( last transaction date of XXXX after knowing I met the spend requirement then ). This situation was not an issue with Chase Bank in XXXX when they issued Credit Card XXXX Credits on XX/XX/XXXX and XX/XX/XXXX for XXXX spend. However, for some reason, XXXX did not do the same for XXXX, which caused me to not earn the last XXXX remaining XXXX  XXXX  in order to earn the XXXX XXXX  of XXXX XXXX  XXXX  ( XXXX XXXX  XXXX  XXXX  ). I was XXXX XXXX XXXX  shy of earning this award in XXXX and I believe I met the requirements to earn it so that it can be applied to my XXXX XXXX  XXXX  progress. Chase responded by saying its because the XX/XX/XXXX transaction was reflected in the XX/XX/XXXX statement. However, this is a contradiction to how they handled XXXX spend where they issued qualifying nights in the same year ( XXXX ) even though some of that spend was reflected in the XX/XX/XXXX statement.
Product: Debt collection

On XX/XX/XXXX I went to an ATM to get cash from my checking account knowing I had a balance of over {$2000.00} I got XXXX cash and it said my balance was XXXX. I thought it was a mistake so I called my bank XX/XX/XXXX at XXXX XXXX and they told me that XXXX XXXX XXXX XXXX had a jugement on my account for over {$1600.00} that was dated XX/XX/XXXX for Capital One credit card? I currently have XXXX credit cards from Capital one with perfect account standings.I ran credit reports from your website about 4 months ago that were all good and showed nothing of this what so ever. I certainly do n't recall a judgement XX/XX/XXXX 12 years ago of this nature. The last couple months I was getting calls on my cell phone with the caller I.D . blocked and when I answered they would rattle of something credit service and ask for personal information address date of birth social security number and a red flag would go off and I was positive it was a scam because they would n't Identify themselves and wanted my information and they would call twice a day and started threating me so I quit answering the calls. After I talked to my bank and they gave me the company name and phone number I called them and they told me that they had an active judgement against me dated XX/XX/XXXX for Capital one and they were going to contact the courts that I contacted them and they were going to seize my money? I do n't know it this is an actual recovery company but they present themselves like big time scam artists. I also had credit reports ran XX/XX/XXXX when I got a credit card from XXXX 's that was good and showed nothing of this at all. If this company has an active XX/XX/XXXX judgement against me why has n't it ever showed up and if Capital one had a bad account with me why would they issue me XXXX different cards and have had the cards for a long time with no complaints. I did file a complaint with your website on the class action of Capital one kept billing me for account protection that I never signed up for and kept billing me for years and would n't stop and I was awarded somewhere in the {$1600.00} dollar range so I wondered if this was that company that kept billing me without my consent? I am not a wealthy man and it is the first of the month and have bills to pay and now no money to pay them. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

, article 18, of FTC act its fraud to keep reporting false information account was paid and closed never late years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX..Failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account
Product: Checking or savings account

The informant is innocent on all XXXX credit agencies as well my deposit have yet to be verified
Product: Credit reporting, credit repair services, or other personal consumer reports

A per standard advice I have put a credit freeze on my Equifax account. 
I should be able to suspend this by going to my.equifax.com. I have been unable to access this account. 
Equifax states that my account is locked and they are looking into the matter, and it would be corrected within 7-10 days. It has been 3 weeks, and in spite of numerous calls to them the problem is unresolved
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, NV, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] [ XXXX ] [ XXXX XXXX XXXX ] [ XXXX, TX, XXXX ] Subject : Unauthorized Credit Inquiries- Request for Removal I am writing to dispute the following unauthorized credit inquiries that appear on my credit report. These inquiries were made without my knowledge or consent, which constitutes fraud and identity theft. I request that these inquiries be removed from my credit report immediately in accordance with the Fair Credit Reporting Act ( FCRA ). 

The unauthorized inquiries are as follows : XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXXXXXX XXXX XXXX XXXXnquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Under the FCRA, credit inquiries must have a permissible purpose, and consumers must provide explicit consent for such inquiries2. These inquiries were made without my authorization, and I request their immediate removal to prevent further damage to my credit score and financial health. 

Please investigate these inquiries and remove them from my credit report. I have enclosed a copy of my credit report with the unauthorized inquiries highlighted for your reference. Additionally, I have included a copy of my identification and proof of address to verify my identity. Also i am requesting that the following addresses are deleted i have never been associated with these addresses they came after from the identity theft as well XXXX XXXX XXXX CT XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Thank you for your prompt attention to this matter. I look forward to your response confirming the removal of these unauthorized inquiries. 

Sincerely, [ XXXX XXXX ]
Product: Money transfer, virtual currency, or money service

I was scammed by erroneous rep who had hijacked a friends XXXX page. I dialoged with the erson under the guise of disguising she was My friend and introduced herself to me. Make an investment for a profit. After discussion and asking question abt the program I sent an initial XXXX  transaction of XXXX dollars. Then I was told there was a XXXX fee. I balked at that point but she said bcuz she did not relay the info she would pay XXXX of the fee. She then sent a website with an account page made for me with a XXXX profit. But I couldn't withdraw until paying the fee. So in all 3 XXXX pmts of XXXX each were sent to XXXX ( XXXX XXXX ) who was her manager. Whom she said she didn't want to get fired for not telling me abt the fee. After the last transaction I asked for the withdrawal and kept getting excuses. At that point I said I was going to contact my bank. She stopped communication. 
The company was supposed farm mining cloud and their were names of3men to contact via email which I did but didn't get any answers. 
I contacted Bank of America a d reported it. I received a secure letter from BOA stating they couldnt/would n't help me. They said they would contact the institution w/ the XXXX recipient Institution. They basically said it seemed futile and would take XXXX XXXX possible days. 
I am retired and on social security. This Was my savings. I felt and feel defeated and a fool. PLEASE HELP.
Product: Credit reporting, credit repair services, 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 : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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

The collection agency is trying to collect debt that I do not owe. I had and currently still have medical insurance for the dates of service. The medical facilities did not notify me of any kind of debt nor did they bill my insurance instead they sent me straight to collections without me knowing and now due to interest the account is tripled. The medical groups are wrongfully billing and affecting peoples credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

One credit bureau just closed an investigation to my dispute concerning XXXX XXXX XXXX XXXX XXXX ( XXXX ). The bureau claims that XXXX has verified the account with them and it is accurate. I know this to be false because XXXX  by and through the law firm XXXX XXXX XXXX XXXX, XXXX XXXX XXXX., XXXX XXXX, XXXX, NY XXXX ; is simultaneously attempting to freeze my bank account to collect a judgement they have obtained. 
On or about XX/XX/XXXX, XXXX XXXX an Attorney from law firm XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX, NY XXXX mailed a summons, and complaints on behalf of XXXX XXXX XXXX XXXX XXXX. For the amount of {$600.00}. 
On or about XX/XX/XXXX, XXXX XXXX aXXXX XXXX XXXX XXXX served a letter, summons, and complaint represent XXXX XXXX XXXX XXXX XXXX. XXXX XXXX said I owe {$600.00} and would be seeking a Judgement for his client XXXX XXXX XXXX XXXX XXXX. 
On or about XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX mailed another letter, restraining notice, and an information subpoena by and through XXXX XXXX Supreme Court. This time XXXX XXXX states I face imminent legal action about an Judgment against me and that I am to restrain from spending money. This time for the amount of {$1700.00}. 
I reached out to XXXX XXXX, the CEO of XXXX XXXX XXXX XXXX XXXX to ask him about the validity of the law firms claims and how he would like me to proceed. He simply said he received my email and is cooperating with National Credit Union Administration appropriately. I believe the court documents to be fraudulent ( attached ) ; an illegal collection tactic deployed by XXXX XXXX XXXX XXXX XXXX and their law firm XXXX XXXX XXXX XXXX, in attempt to scare me into paying a debt I dont owe.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX 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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). These accounts are false and falls under XXXX  according to XXXX 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 XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX, Equifax, XXXX.