23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2020. I took steps to try and re-pay old debts on my credit history. I was trying to do the right thing and repair past medical bills. I contacted the debt company " Miramed '' Group. I actually had my report in front of me. Right from the start, the amounts they had did not match with mine. I questioned this many times. I kept being told that it all added up to the same amount. I did the math and noticed it did not. I still offered to pay a large amount if I could get verification that the 4 separate accounts would be updated. They stated that they would be re-done into one acct. Showing the amount paid and that I was current. I still was not feeling great about the situation. But, with this being my very first conversation with a debt collector and not educated about my rights and what they are allowed to do and not do. I continued on. I did state over and over I did not like or understand how the amounts they had did not even match to one of the amounts on my credit report. Once I decided I was going to pay in good faith. As soon as I stated this. That I would pay as long as it would be updated on my report. The woman IMMEDIATELY started saying just so you know all calls are recorded. And can be used in legal litigation. After this i was placed on hold. When the hold was lifted the woman I was speaking to said she was going to transfer me to her supervisor to complete transaction. When I got on with " supervisor '' the woman asked me how much I could pay? The total amount they had was around {$2300.00} if I rember correctly. Where my reports showed around {$1500.00}. Being still weary of this, I said I would pay {$600.00}. The supervisor then swayed me into paying {$730.00}. She said that this would take care of 3 of the accts. And she could then just make the rest to one acct. With a current paid status. I paid {$730.00}. Since then, NOTHING has changed on my reports. Not the balances or number of derogatory accts. ( 4 ) from Miramed group. I want to know what happened to the money I paid. Why did nothing change. Is this not theft??? Or at the least, misinformation by predatory tactics? I tried to do the right thing and all that happened was I lost {$730.00}. As if I tossed it out the window. I am trying to correct these pasts to try and build up my credit to buy a home for my wife and XXXX  children. This company should not be allowed to operate with such tactics and dishonesty.
Product: Credit reporting

Equifax has continually reported the a charged off credit card on my credit report twice. This has been going on for about 5 years. Equifax refuses to fix the situation. My most recent dispute was closed XXXX/XXXX/2015. They claim the account is only on my credit report once. When I check the credit report today it is still being reported TWICE. I only had on credit card with XXXX XXXX XXXX. Thats it. The account number, date opened and balance are all the SAME. I have attached the most recent credit file.
Product: Debt collection

After careful consideration your firm that you represent " Enhanced Recovery Group has been practicing illegal credit acts.

Debt collectors aren't supposed to commit abuse, deceptive and unfair debt collection practices but your firm has done so.

By coercing me to pay on an extension of credit. This is a violation of 18 USC 894.

First thing, You do not have any lawful right to be in possession of my identifying information.

Secondly, I didn't give you consent to furnish this alleged debt, that is violation of 15 USC 1692d ( 4 ).

Coercing myself to pay you an alleged debt by ruining my financial reputation is a violation of 18 USC 894. Now because you all benefit at my expense, the debt collector, original creditor, and consumer reporting agencies are engaging in racketeering activity 18 USC 892 ( b ) ( 1 ) -Companies have no right to attempt to collect the alleged debt by way of judicial processes.

Again debt collections can't lawfully : Possess by identifying information, Contact me about an alleged debt, ruin my credit, or SUE me for nonpayment of a debt.

Please understand Debt Collector or your firm have no lawful standing. 15 U.S. Code1692i ( b ) Trying to punish me for a nonpayment of a debt by furnishing it to the CRAs is a violation of 18 USC 894 and carries a criminal penalty of 20 years.

The last thing Enhanced Recovery Group need to understand this is also aggravated identity theft 18 USC 1028A
Product: Debt collection

XXXX XXXX has a collection of {$1800.00} on my report which has been disputed. I have no knowledge of this account.
Product: Credit reporting or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$31000.00} XXXX XXXX XXXXXXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2700.00}.
Product: Debt collection

This number keeps calling me repeatedly. They do not leave voicemails. With the amount of scams going on, I do not answer unknown numbers. This traces back to a debt collection agency. If this agency has a valid debt for me, Id prefer that they contact me about the debt via mail or email so that I can properly vet. Until then, I do not believe in answering from unknown numbers
Product: Mortgage

I was trying to short sell my home. I called and asked about the process. The employees kept saying the lost paperwork, someone passed away so they had to start over again ( SEVERAL TIMES ). I was told I could NOT do a short sale I had to do a deed in lieu, however, I contacted my attorney and she told me that was n't true. She stated everyone has a right to first try to short sale my house. I went to meet a potential buyer and I was n't even late on my payment and the door knobs were already broken, so I couldl n't even get into the house. There was some property management company sign on my window. I was dealing with a realtor and he got so angry with  one of the  workers they were cursing at each other and she hung up in his face. Finally I had a buyer for the short sell and they told me well you only h ave 2 weeks  before your time runs out to do a short sale so we ca n't do this and told my realtor sorry we would n't be able to close in enough time so, the house went into foreclosure. I can have both realtors contact whomever needs to be spoken to. I also file a complaint on the website when this happened, but heard nothing back from anyone
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 18 unauthorize Hard inquiries on my XXXX, Equifax and XXXX that hasn't been deleted. 
I didn't give no authorization or Consent to no other financial institutions pull my credit. 
I only authorize XXXX XXXX XXXX of XXXX, Texas to pull my credit on XXXX XXXX as I am going through a VA Loan and home purchase in XXXX, Texas. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, XXXX and Equifax hasn't updated my credit report and refuses to add my XXXX XXXX XXXX account. 

XXXX last thing XXXX, XXXX and Equifax hasn't remove the Derogatory Remarks of late payments of XXXX days for XXXX and XX/XX/2019. Many Federal Government complaints was filed..XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... .I have provide evidence to Prestige and Federal Government on no late payments. 

Derogatory Remarks on my credit report is restricting me in obtaining a VA Loan for a home purchase in XXXX, Texas. 
Credit scores are not accurate and updated. 
I am XXXX XXXX, XXXX and a XXXX XXXX XXXX XXXX XXXX. 

Very Urgent Matters!
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent accounts that were opened in my name due to identity theft. I have already reported this incident to the Federal Trade Commission ( FIC ) and filed an identity Theft Report ( FTC XXXX No. : XXXX ). Attached, please find a notarized identity theft affidavit as well as a copy of my complaint with the FTC for verification. The fraudulent accounts in question are : XXXX XXXX XXXX Account, this account was opened without my knowledge or authorization. Under the provisions of the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. S 1581c-2J, as a victim of identity theft, I have the right to have these fraudulent accounts removed from my credit report. Furthermore, I request that you block these fraudulent items from appearing on my credit report, as mandated by [ 15 u.s.c. s 1681c-2 ] and [ 15 u.s.c. s 1681i ]. To support my request, I have included the following documentation : r... A copy of my government-issued lD ( to verify my identity ). The notarized identity theft affidavit. A copy of my FTC identity Theft Report. Proof of my address ( e.9., utility bill or bank statement ). Please conduct an investigation and notify me of the outcome in writing. Given the requirements for handling identity theft claims, I expect that this investigation and any resulting corrections to my credit report with be completed promptly.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX an account from XXXX XXXX XXXX appeared on my credit report. The account is reporting Im in debt in the amount of {$910.00} to them. I have never done business with this company nor signed any legal document or made any agreements that I will make this or any payment for services provided by their company and therefore considered fraud on their behalf. 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. I am a victim of identity theft!! Please delete this items IMMEDIATELY! This accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumzzer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed and any other account listed as a collection IMMEDIATELY!
Product: Debt collection

I paid off {$170.00} to ProCollect debt located at : XXXX XXXX XXXX # XXXX, XXXX, TX XXXX over a month ago and even after I submitted a dispute with XXXX for reflecting that the balance is still owed ProCollect still has not updated my credit report. I was under the understanding that once I paid off the {$170.00} it would be removed from my credit and it's still reflecting that I owe them which I don't since it was paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize the following credit inquiries on my report & I ask that they be removed from my credit report because it's impacting my credit worthiness. 

Inquiries : 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

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 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 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 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 The accounts above 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 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: Money transfer, virtual currency, or money service

UNAUTHORIZED / FRAUDULENT XXXX TRANSACTIONS THROUGH MY CAPITAL ONE CHECKING ACCOUNT. CAPITAL ONE BANK DECLINED MY 2 CLAIMS TO REIMBURSE ME SENDING ME TO XXXX TO RESOLVE. WHEN I CALL XXXX, THEY SEND ME TO THE BANK AND TELL ME THEY HAVE NOTHING TO DO WITH THESE UNAUTHORIZED TRANSACTIONS. SAME IN CASE OF XXXX XXXX CLASS ACTION RECENT SETTLEMENT, XXXX ACCOUNTABILITY FROM THE BANKS AND CONSUMERS ARE DEFRAUDED / SCAMMED.
Product: Credit card

Bank of America withdrew {$8400.00} from my checking account on XX/XX/2024 and again on XX/XX/2024 in the same amount of {$8400.00}. They said that a refund was issued on XX/XX/2024 but it never made it back to my checking account. I have called over 10 times to resolve this issue only to be told it is being researched and wait 5-10 business days. They have told me twice that they had the wrong routing number which I provided to them, even though they were able to with drawl from my account monthly. I'm tired of their lack of response and should have filed this complaint several months ago but I bought into their " lip service ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2022 I did a thorough investigation myself and noticed various inaccuracies. I have already tried fixing this problem with the company. 

In accordance with the Fair Credit Reporting Act XXXX  Account # 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 an account without my written instructions.

15 U.S.C 1666b A Creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.
Product: Money transfer, virtual currency, or money service

I have submitted several requests online for Klarna to close my account and delete my personal data, all of which have been ignored. Every time I reach out to support, the agent advises me to fill out the form and a specialized team will get back to me via email. No one from support has ever been able to give me an update on the status of my current requests or even see that they were submitted at all. At this point, Klarna is refusing to delete my account and my data, which I am entitled to. Klarna needs to immediately delete my account and my personal information as requested for over a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

SENT THESE ATTACHMENTS VIA MAIL ON XX/XX/XXXX. I WAITED THE 30 DAY REQUIRE TO RECEIVE THE RESULTS, BUT I GOT NO REPLY. I WANT TO FILE A COMPLAINT. I am attaching the documents as stated by law to have items removed off my credit report that were a result of identity theft. My information was exposed in the XXXX  breach, on which I've learned happened multiple times from XX/XX/XXXX-XX/XX/XXXX, but wasn't made public until the final breach. My information was also one of several South Carolina residents whose personal tax information was leaked in XXXX. Im taking the necessary precautions and steps to fix all the damage that was done, and prevent any further harm. PLEASE SEE ATTACHED.
Product: Debt collection

On XX/XX/20 I sent a letter to CKS Financial requesting that they provide me proof of the alleged debt I owe, by providing the bearing of my signature, a copy of the contract stating I own this debt, the name, address and telephone number of the person who verified this debt. They failed to provide the requested information to me in a timely manner. When they did respond, the only thing they sent me was a brief summary balance. But no proof indicating I own this debt. 

Account # XXXX
Product: Credit card

On XX/XX/2024, I transferred XXXXXXXX XXXX XXXX XXXX  from my Chase XXXX XXXX  credit card to XXXX XXXX XXXX XXXX with the intention of redeeming an award ticket. On XX/XX/2024, I transferred an additional XXXX points to my partner 's XXXX XXXX account for the same purpose. 

The points transfer to XXXX XXXX was not completed until XXXX hours later, and the transfer to my partner 's XXXX XXXX account remains pending as of writing ( more than XXXX hours after the transfer was initiated ). 

This is despite Chase advertising ( through its partner travel website XXXX XXXX XXXX  ) instantaneous transfer to XXXX XXXX XXXX XXXX XXXX. Additionally, Chase claims in the order summary of each points transfer that most transfers process instantaneously. It is deceptive for Chase to claim instantaneous points transfer while surreptitiously caveating that it may take an indefinite amount of time.
Product: Checking or savings account

The Chase atm charged me {$500.00}, saying I withdrew {$500.00} and I did not get any {$500.00} from any withdraw. On XX/XX/2023 my husband and I drove up to a Chase atm at XXXX XXXX XXXX XXXX. XXXX, AZ XXXX, at XXXXXXXX XXXX. We entered our debit card to withdraw {$500.00}, the bank atm gave us an error saying insufficient funds, my husband took the card out, canceled the transaction. I went into my app and transferred {$500.00} to my account and he put the card back in and tried to take out the {$500.00}, we got the same error. We canceled the transaction, took our card out and pulled off. I immediately went back to my Chase app to figure out what happened and I see a {$500.00} ATM transaction. My husband turned around and we went back to the bank, I called the bank and told me I needed to dispute it. I went back to the atm and the atm allowed me to take out {$28.00} only, I have a daily withdraw limit of {$500.00}, so at this point my Chase app shows I withdrew {$780.00} in one day which Chase atm would NEVER allow you to take out more than your daily atm limit. When the bank opened I went into the bank and explained to them what happened, they advised me since it was the weekend I would have to call Monday. I called Monday and filed the claim. A couple of days later the claim was denied. I tried to appeal the claim over and over again and was not allowed to because they told me it was already denied, I explained this has happened to me with a chase atm claim before and in the past I had to go through months with the bank and Chase finally checked the tapes on the atm to see I did not take the cash. I spoke with a supervisor and I address the fact that I need to dispute the claim, Chase claims supervisor said if I filed a police report and get a subpoena for them to look at the tapes. I tried going to the branch and calling the branch manager where I used the atm and I never could get a returned call and when I went down there the bank branch is now shut down so noone can help. I address the fact that the atm would not allow me to take more than my daily withdraw limit and the supervisor advised me from when I took out the {$500.00} and 2o minutes later withdrawing {$280.00} there was " a delay in the atm '' that would have allowed the atm to give me more than my daily limit. I told her I have NEVER EVER EVER been able to take out more than my daily withdraw limit. I just need help getting my money back.I tried contacting corporate but everyone just transfers me back to the claims escalation and everyne there is overseas and do not know engish. I was told by one of the supervisorsI should have gone into the bank at XXXX and reported it and I explained it was Saturday morning the banks are not open. I was also told that the Chase atm you have to wait 10-15 minutes before pulling away from the atm for the atm to register your transaction. This is the most bizarre thing I have ever gone through in my life. Chase has allowed so many people to hack into my account and take my money now they are doing it to me and I need someone to help me.
Product: Checking or savings account

On XX/XX/ I used my Capital one debit card to pre-pay for an emergency roadside service call to a company called 24/7 Roadside service. After hours sitting in a dangerous spot on a Texas highway I called them back and they said their service man was out of town. They said theyd refund my XXXX. Dollars within. 10 days. I then called another company who came immediately and paid them under XXXX dollars to change my tire and get me back on the road. 
10 days passed and no refund so I called capital one and disputed the charge. I also called 24/7 roadside and demanded my refund I was promised. I got put on hold and ignored. I did some research and it appeared to me that 24/7 does this to people a lot. 
Capital one put the money back in my account and I thought it was over. 
Fast forward to XX/XX/XXXX. 
I received a XXXX dollar refund from XXXX. But for some reason Capital one held it for days. I kept asking why but nobody would tell me. 
Then I woke up the morning of XX/XX/XXXX to a negative XXXX dollar balance. It said they had reversed the provisional credit for the service I never received. They never asked me anything, warned me of any issue, nothing. They then released my XXXX refund, which was eaten up by the negative balance. Nobody will talk to me about it, or allow me to dispute it further, or anything. I paid over XXXX dollars for a service I absolutely did not receive. I thought thats why we use banks and cards, so our money is safe. Capital one will not tell me why this took so long, how they made their decision, or anything. They just helped someone steal a lot of money from me.
Product: Credit reporting, credit repair services, 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 corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX XXXX Balance Owed : {$210.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX  XXXX Balance Owed : {$11000.00}