23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was involved in a car accident in 2019 and received a call from a lawyer for a chiropractic clinic. The clinic was XXXX XXXX. I was told that they charged XXXX XXXX  a visit. The adjuster from the XXXX XXXX XXXX XXXX, the person at fault carrier, reached out and said to have them forward all bills to her and she would pay them. 
Once I received my settlement XXXX XXXX XXXX asked me how I wanted to settle the costs. I asked why I was being contacted because he was advised where to send the bill. He told me that since I fired the lawyer who contacted me that sent me to him, he could no longer speak to the adjuster. So I asked if he could send a detailed bill and he refused to send a bill unless I told him the amount of my settlement. Later, I was contacted by a bill collector, Tek Collect and we worked out payment arrangements so they would not go on my credit. They took one payment and still appeared on my credit report. I was in the process of buying a home so thankfully it appeared after my purchase. I have been disputing this since it happened but no results to my satisfaction. I feel like the charges are fraudulent because I never received a bill and it was my understanding that it was being sent to the adjuster.

There is also the problem with XXXX they will not remove the derogatory marks and this account is in good standing.
Product: Debt collection

I XXXX XXXX am disputing the validity of the debt assigned to me from the creditor stated in account number XXXX. 

Per section 609 of the Fair Credit Reporting Act, I am entitled to see the source of the information, which is the original contract that contains my signature from the original creditor.

Additionally, you are to send me proof that you are legally contracted and legally authorized to collect this debt by the ORIGINAL creditor.

You are required to remove all collection information from all XXXX  credit reporting agencies immediately until the investigation has concluded. 

You are required to respond to this request to validate this debt with in XXXX  days. I will exercise my rights to have XXXX  days to review the evidence and respond. 

You are to cease and desist all collection attempts with we. 

Failure to comply with the instructions within this email constitutes a violation of my rights and legal remedies will be exercised. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX
Product: Checking or savings account

Subject : Formal Complaint Regarding Withheld Payments and Account Termination To Whom It May Concern, We, at XXXX XXXX XXXX XXXX, are a XXXX XXXX XXXX XXXX serving the XXXX XXXX community. On XX/XX/year>, we enrolled in Chase Bank Merchant Services to process credit card payments. We began using the service on XX/XX/year>, and conducted transactions totaling {$67000.00}. 
However, we have identified that XXXX payment batches have not been deposited into our account : XX/XX/year> : {$11000.00} XX/XX/year> : {$1400.00} XX/XX/year> : {$10000.00} This amounts to a total of {$23000.00} that has not been deposited into our account. 
On XX/XX/year>, at XXXX XXXX, we received an email notifying us of the termination of our merchant account. The email stated that Chase would withhold sales transaction proceeds starting from the date of the notice. However, when I contacted Chase Merchant Services, I was informed that an investigation was initiated on XX/XX/year>, and that any payments after this date would be held for XXXX XXXX. I was also told that the reason for this hold could not be disclosed. 
This abusive withholding of funds is detrimental to our ability to continue providing necessary XXXX XXXX to our XXXX, as well as meeting our obligations to our vendors. 
On XX/XX/year>, I reached out to Chase Merchant Services once again. I explained that their earlier statement was misleading, as one of the withheld payment batches occurred prior to XX/XX/year>. I was then told that any payment not deposited into our account would be held. 
We also discovered that Chase failed to email us a signed copy of the merchant agreement and when we tried to upload from XXXX email confirmation, we receive an error message that information not available. 

Below are the details of our Chase Merchant account : Account Number : XXXX Case Number : XXXX Amount on Hold for XXXX XXXX : {$23000.00} A copy of the termination email is also attached for your reference.
Product: Debt collection

This company report information on my credit report that don't have any knowledge of this debt never done any business with this company I asked to provide me with documents showing that I have a signed contract or agreement with this company I ask them to provide me a copy of driver license and copy of social security number and provide me me information that they are license and register to do busy in the state of Tennessee they haven't provide any thing. This company isn't following the fair credit reporting laws 609
Product: Credit card or prepaid card

I applied for a mortgage refinance with XXXX under a promotion that was on my American Express user dashboard upon logging in at American Express. It promised a {$2500.00} statement credit to my American Express card upon closing and funding a mortgage refinance with XXXX. I successfully closed my refinance with XXXX. Throughout the refinance process XXXX continuously sent me emails reminding me I was an Amex customer who was applying under the offer. At the end of the process, XXXX asked for my American Express card information and assured me my statement credit was on its way. After more than 12 weeks after mortgage funding, no statement credit has appeared despite reassurances from XXXX that the credit is on its way. Communication is poor and the companies are deflecting blame back and forth. I met all the terms for the promotion, as confirmed by XXXX. I want the {$2500.00} statement credit I was promised by both XXXX and American Express, posted to my American Express credit card ending in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

An hard inquiry appeared in my XXXX credit report. The company name is SYNCB/XXXX XXXX XXXX it appeared on the date of XX/XX/2019. I would like this disputed because it should be removed from my credit reports as I do not have knowledge of this account showing. It is a hard inquiry. Please remove this.
Product: Credit reporting or other personal consumer reports

I'm a victim of the Equifax data breach and have these accounts fraudulent and need to have them removed immediately I filed a identity theft report with the government pertaining to these accounts that were resulting from the Equifax data breach I have attached the accounts I'm disputing for removal the documents from my identity theft reports Company or Organization : XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$98.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$790.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$300.00} Fraudulent Checking or Savings Account Company or Organization : XXXX XXXX Account Number : XXXX Date that I discovered it : Total fraudulent amountXXXX {$840.00} Fraudulent Checking or Savings Account Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$200.00} Accounts or Charges Yes, fraudulent accounts or charges appear on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two ( 2 ) tax liens listed on my credit file ( s ) with TransUnion and XXXX that DO NOT MEET the Enhanced Phase 2 ( PII ) Personally Identifiable Information standards for Public Records Reporting. These PII standards as outlined by NCAP and available publicly on the CRA 's websites, specifically TransUnion 's own site states that Public Records MUST Include : Full Name, Address, Social Security Number and/or Date of Birth. I have filed disputes with both TransUnion & XXXX and included documentation showing that these tax liens do not meet the PII standards and must be removed immediately from my files with them. The disputes came back as " Verified ''??? The " Official '' Copies of the tax liens : DO NOT provide my FULL NAME, DO NOT provide my FULL SOCIAL SECURITY NUMBER, DO NOT provide A CORRECT ADDRESS and DO NOT provide my DATE OF BIRTH. Since the records DO NOT PROVIDE THIS DATA they must be removed from my credit file ( s ) with TransUnion and XXXX.
Product: Vehicle loan or lease

In XX/XX/XXXX, I arranged with Exeter Finance to volutarily repossess my vehicle. I signed their form to formalize the repossession process and submitted it to Exeter Finance on XX/XX/XXXX. From that date forward, Exeter representatives called my phone non-stop trying to get me back on my payment plan. I told them I was waiting for their vendor to pick up my vehicle so it could be taken to auction as per their policy. Exeter representatives continued to call me relentlessly until I asked them to remove me from their dialer system until my vehicle had gone through auction. Once I asked them to stop calling my cell phone, they began calling my previous place of employment and have continued calling almost daily or even multiple times per day. They have called third parties not associated with my loan trying to reach me. They have continued with full collection efforts even though they haven't even taken the car to auction to date. They have not acted in any way in good faith to follow their own procedures and are harassing and threatening me with their ongoing, illegitimate collection actions. I have never refused to pay off my loan I am simply waiting for the car to go to auction so they can apply whatever it sells for towards my balance. They continue to charge compounding interest on their already super high interest loan. They apply every payment made in an interest-first manner that never allows the principal amount of the loan to go down. They are predatory and have a collections-first mindset.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with thee Fair Credit Reporting Act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX Has Violated my rights 15 U.S.C 1681 Section 602 States I have the right to Privacy 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without a my written instructions 15 U.S.C 1681 ( c ) ( a ) ( 5 ) Section States no consumer reporting agency 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 consumerto any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis provided accurate consumer report about my business to Bank. I was denied access to talk to their expert to address this issue. I was hung up on when I called and indicated to them that the information that they provided about my business is inaccurate. Their action led to my business being denied access to the funding necessary to progress my business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureau about these two same exact accounts that are on my credit profile that are showing incorrect account balances and status. 

XXXX - XXXX XXXX  - XXXX
Product: Credit reporting or other personal consumer reports

This is a formal complaint of reporting information under 15 USC 1681e ( b ). According to the IRS, canceled debt ( Charge Off ) is gross or ordinary income. Income does not get reported on your consumer report. This means the ( Charge Off ), on my reports are inaccurate. These are the companies and account numbers : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> Amount {$18000.00} ( Account Closed ) ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Actions : Called only, no resolution.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance : {$3000.00}
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : 1. Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ).

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry.

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.
Product: Debt collection

On XX/XX/year> Columbia debt recovery Had put a collection on my credit of {$1200.00}. Have called multiple times to ask for a purchase agreement to which they have failed to provide for me. Will you please Verify that the information reported is 100 % accurate and that you can fully verify it, otherwise, will you please remove this collection from my credit?
Product: Credit reporting

I have been a victim of Transunion Inquiry Issue and customer service would not help and take care of the negative inquiries reporting on my credit report. Please remove XXXX, XXXX, XXXX, XXXX, XXXX, XXXX., XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, & XXXX.
Product: Vehicle loan or lease

I am a XXXX veteran service connected with a XXXX XXXXXXXX who is being misunderstood by USAA. I purchased my car in XXXX from USAA. My loan is about to be paid off. I have never missed a payment recently after experiencing financial issues ( service connected ) I fell behind on payments. I work with a representative who allow me opportunity to bring the account current if I made a payment by XX/XX/XXXX, considering I had only had 1 year left and never late. I made the arrangement but my car was still sent to repo in error. 

Please help me, please reinstate my loan and allow me to pay my remaining XXXX payments. USAA other organizations are reaching out to help XXXX vets not hurt them. This would hurt me and my family if I have no way to get to my appointments. Please work with me. This is a costly mistake for me.
Product: Money transfer, virtual currency, or money service

I had initiated money transfer from my XXXX XXXX account to my XXXX NRE account on XX/XX/XXXX and I used Western Union Money Transfer for this transaction. After I completed the transaction, I received email from Western Union which confirmed that the money will be available on XX/XX/XXXX in my XXXX bank account. When it was not credited on XX/XX/XXXX, I contacted the customer care on Western Union and they said that the transfer was completed from their end and I should check with XXXX XXXX  in XXXX. On contacting XXXX XXXX, they said that they have not received the money and hence not completed the transaction. I again called back western Union and this time they asked me to wait until XX/XX/XXXX as XX/XX/XXXX was weekend in XXXX. Even on XX/XX/XXXX, money did not get credited. On XX/XX/XXXX, they have withdrawn money from my XXXX XXXX account and yet it has not been credited into my XXXX bank  account. I contacted the western Union customer care today ( XX/XX/XXXX ) and they said that they are escalating it with some concerned team and I will get resolution in 14 days. This was an urgent money that I needed in my XXXX bank account to help my dad pay for a loan installment. I can't 14 days and need help here.
Product: Payday loan, title loan, personal loan, or advance loan

This company gives predatory loans, the interest is so high that even with making your payments every XXXX weeks and in time you do not make a dent in uour debt. They take advantage of those in need of a short term loan then make it impossible for that debt to be fully prepaid. Do not take a loan out with this company.
Product: Checking or savings account

on XXXX my account had a balance of XXXX - which i made a deposit of XXXX on XXXX and after fees/ charges ( XXXX, XXXX, XXXX ) were taken out .. i was left with XXXX as of XXXX posting date - as of XXXX i had a balance of XXXX and from my understanding that is my available " posted balance ''. so i made other payments and so forth - and on XXXX i was given a " temporary credit '' of XXXX ( which was already paid for by me from my deposit made on XXXX ) so i am not sure why this " temp credit " was given since i paid /took care of it on XXXX w. my deposit ). thats my first concern - i did not ask for temp credit, why would i if it was taken care of by my deposit. - fast forward to XXXX i turned off my debit card and canceled my ahc payments from my providers i use. and on XXXX forward i got a total of XXXX nsf fees on my account. brining my total negative on my account to XXXX ... on XXXX i called and spoke with XXXX in the overdraft team. she transferred me to XXXX with escalation team and she transferred me to XXXX w. advocacy group. they opened up a case to see if all the overdraft charges could be removed - because my card was turned off. and my accounts for ahc were turned off. - no one could assit. well around XXXX XXXX recieve an email stating they are going to reverse the credit that was given to me on XXXX and it will cause my account to be more negative. XXXX of all i did not ask for a credit. XXXX of all i am asking for help to bring my account in good standing and no one seems they can help. i have been with them for XXXX + years and still no help - i need to show how wells fargo really works ... .. there posting dates for transactions take forever and now i am paying the consequences..
Product: Credit reporting, credit repair services, or other personal consumer reports

not my account never had a account with NVLV
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX is stating that I owe XXXX this information is false XXXX XXXX XXXX XXXX XXXX XXXX is staying that I owe XXXX this information is false XXXX XXXX XXXX is stating that I owed XXXX this information is false
Product: Checking or savings account

Deposit check on XXXX was advised by teller and on receipt that funds will be available XXXX. Checked account they pushed my available on funds to XX/XX/15. I need my money.
Product: Credit reporting

Since XX/XX/XXXX, I have been dispute my credit being pulled by XXXX different companies on XX/XX/XXXX & XX/XX/XXXX from all three credit bureaus. After completing disputes with bureaus, XXXX and XXXX have removed these hard inquiries from all companies since companies were not able to provided authorization documentation ( s ). Equifax informed me several times to contact companies directly, which I have over the phone and by mail on several occasions. The companies informed me to dispute the inquires through Equifax. I have informed these companies of the outcomes and direction from Equifax 's disputes. I also informed Equifax with information received from the companies through several disputes. Equifax refused to complete any type of dispute concerning these hard inquires or remove them from my credit report. These inquires are extremely damaging my credit score. I need some assist with this issue -- Equifax completing a proper investigation. At the time of the hard inquiries, there was an identity fraud placed on all reports.
Product: Checking or savings account

I Have applied for a Loan, And been Scammed into a Fraudulent activity. I dint Know. Its has hurt my account and caused it to be in a Negative Balance. I have been on the phone with my Bank all last week. It has falling on me. All this begin on XX/XX/19. Now i just do know what to do, i am in hole. My bank should see my History and know i have not done any like this before. My bank act so cold towards me like they do not care. i am very surprise at them and very hurt.