23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX a natural real person. After informing each credit agency of the errors on my credit report and the violation of not only the fair credit reporting act and the privacy act of 1974, they have continued to ignore my rights and ignored my request of deletion of these accounts.This is my last step of requesting for help or I will take legal action. I am very committed to ensuring my rights title an interest are given to me. Furthermore by not informing me within 5 days of receiving my dispute each credit agency violated 15 U.S. Code 1681 ( i ) ( 2 ) ( A ) - Procedure in case of disputed accuracy Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. Under 15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. And as a consumer my rights have not been treated with respect. Furthermore Each credit agency has continued to violate section 15 U.S. Code 1681i - Procedure in case of disputed accuracy ; ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. They have once deleted XXXX # XXXX and then reinserted it into my file and did not give me anything in writing within 5 business days stating reasons or proof of error. Under 15 USC 1681 ( a ) ( e ) investigative consumer report the steps outlined in proving accuracy was not properly executed. I want each account below deleted immediately
Product: Debt collection

XXXX sent me books and wanted payment for them. I was not nor ever have been enrolled at XXXX, therefore I did not ask for or need the books that XXXX sent to me. I eventually sent the books back ( I have USPS receipt albeit a faded one ). They said they never received the books and wanted me to pay them {$200.00}. I refused to pay, one because I never asked for or used the books and two because I sent them back. They sent the bill to collections and it has damaged my credit terribly.
Product: Debt collection

We moved out of our apartment ( XXXX XXXX XXXX  ) XX/XX/XXXX. In XX/XX/XXXX, I contacted them to get an apartment verification for a home loan and I was told that we had a {$3000.00} balance for failure to vacate the property without notice. I told XXXX ( property manager ), we did give proper notice and even showed him the email that was sent to the previous property management, he said that it was not valid. I contacted the previous property management company, who confirmed I gave proper notice AND that information was emailed to me. My husband personally went to the office and gave XXXX the copy along with a copy of the picture of the walk thru we did with his former employee and he said he would send it to corporate for approval and get back to us within a week. XXXX weeks later, we heard nothing. My husband went to the property again and was told by XXXX that corporate denied the approval and we still had the {$3000.00} balance and now he was saying that included damages. I contacted corporate several times in XX/XX/XXXX and finally received a response in XX/XX/XXXX from XXXX XXXX. I was told the charges would be corrected and would only be charged for damages, which she estimated around {$900.00} or less. Again I never heard anything until in XXXX I received notice that they sent me to collections. I contacted corporate again and several times since and have not had a reply from them til this day. XXXX the property manager did reply and said he left me a voicemail and I didn't pay so he sent it to collections. I asked when he left me a voicemail because I never received a call from him, he said he didn't know. Furthermore, if my balance for damages was around {$900.00}, I'm sure they didn't take into account that I gave a {$1200.00} deposit and therefore don't owe them anything, they would owe me money. Also, he could have contacted me via email because he had my email address ; that was included in the email from XXXX XXXX ( his corporate office ). And in the paperwork I gave him also included my forwarding address, I never received a notice by mail either.
Product: Debt collection

I am victim of identity theft by someone who apparently lives in Massachusetts. Addresses are now in my credit file from Massachusetts while I actually live in XXXX, Texas. This person has opened at least 3 credit card accounts in my name and with my social security number. 
Now, two collection agencies ( Amsher Collection Services and XXXX XXXX XXXX ) are on my credit record trying to collect money not paid to XXXX XXXX. I have never had an account or purchased anything from XXXX XXXX. 
I am filing this report to make you aware of the identity theft and I have asked both XXXX and XXXX to remove these detrimental records from my credit file.
Product: Checking or savings account

I made a report with the FDIC recently then shortly after they recieved the complaint they took the power of me using my account it was a hassle to get my money back and I was charged for my own money.
Product: Credit card

I set up a payment plan with apple card by goldman sachs on XX/XX/XXXX, for the first payment of {$390.00} to be made on the XX/XX/XXXX and months thereafter until XX/XX/XXXX at a 0 %. This agreement had been followed until sudden closure of the account on XX/XX/XXXX. No reason was provided for closure except due to " regulatory reasons ''. I reached out to their support team multiple times there-after on XX/XX/XXXX by chat support, XX/XX/XXXX by chat support and and by phone on XX/XX/XXXX to find out what terms of my contract I may have violated but no good answer was given. The payment plan was cancelled with the account closure. This seems predatory to me after an attempt is being made to pay back my debts. Many other have reported account closure after a payment plan was set up. 



I also filed a credit card dispute with them back in XXXX of XXXX that I believe was handled incorrectly, the charges were due to damage and the merchant never provided proof of damage or proof that the money was owed. I brought this up to their attention and they continue to side with the merchant.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I took out a loan from Speedy Cash for {$1100.00} ; due to be paid off on XX/XX/XXXX or pay a fee of {$640.00} every two weeks. On that same day I asked the representative assisting me how much would I have to pay if I wanted to pay the loan off in full on XX/XX/XXXX. She stated I would have to pay {$1100.00}. On XX/XX/XXXX I called Speedy Cash prepared to pay off my loan. I was given a higher amount of {$1800.00}. I told the representative I had been given an amount of {$1100.00} to pay and the higher amount would only apply if I paid after XX/XX/XXXX. She then said I had been misinformed and that the {$1100.00} amount would have only applied if I had paid the loan off on the same day I took the loan out. At this point I realized this was an obvious attempt to prevent me from paying the loan off. Because why would I take out a loan only to come back the same day and pay it off hours later? I was deliberately 'misinformed ' in a effort to make it impossible for me to pay the loan off. These are highly unethical and shady business practices. Speedy Cash has now turned my account over to a AD ASTRA, a collection agency with a balance of {$2400.00}, over half the amount I originally borrowed. I've contacted AD Astra and made a payment arrangement of XXXX XXXX/mo and have been paying this amount consistently since XXXX of this year. I have limited income because of the pandemic. This is an economic hardship on me and my family as I have had a drastic reduction in income. 

I recently filed a complaint with the XXXX XXXX XXXX and provided proof of the representatives annotations of the {$1100.00} amount that was due on XX/XX/XXXX. They refuse to address my complaint and only refer me to the collection agency. Speedy Cash has stated that they refuse to reduce the balance owed to the amount their representatives promised which is {$1100.00} minus payments already made. They have also told the XXXX  that the reason I am not allowed to pay the lesser amount is because I didn't have it paid by XX/XX/XXXX. 

But I was never offered a chance to pay the {$1100.00} on, during, or leading up to XXXX of this year so this was a blatant lie. Speedy cash made a deliberate effort to prevent me from paying off my loan by promising me I could pay off my loan on XX/XX/XXXX and avoid paying the {$640.00} fee as long as it was paid by that date. Then when I attempted to pay the loan off on XX/XX/XXXX I was told I would have to pay {$1800.00}, an amount I made clear to the representative the day I took out the loan, I could not afford. These are very deceptive and fraudulent businesses practice on Speedy Cash 's part.
Product: Credit reporting, credit repair services, or other personal consumer reports

first order of business my credit profile is reporting addresses that are not associated with my social security number, i would like them removed from XXXX, XXXX, and XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX also XXXX is reporting that I have applied for two XXXX XXXX XXXX XXXX ( 2022 ) that was false, but that information has been posted on my credit report i would like it removed i did not make those inquiries. 
navy federal card inquiry ( 2022 ) i need it removed XXXX is refusing to honor my wishes
Product: Credit card

I tried to use my credit card today, XXXX XXXX XXXX, but it got declined. I called the credit card company US Bank only to find out that my card is delinquent and that I have a balance due since XXXX XXXX. However, I never received the XXXX statement even though I received the XXXX XXXX statement and paid it off in full. If you check my record, I have always and consistently paid off my credit card balance on time and in full. Because I never received the XXXX, XXXX, nor XXXX statement, I have accrued {$110.00} in late fees and interest.
Product: Debt collection

We have a bill from XXXX in XX/XX/XXXX from a anesthesiologist. It should of been sent to the insurance company and didnt know we had a bill until roughly a month or so ago when the collections agency ( Midwest Service Bureau ). The XXXX person that called me at work was XXXX XXXX by far the most unprofessional rude person I have ever talked to. She was raising her voice telling me she knew we had money and that we could pay the payment of {$75.00} a month. I told her I could n't do that right now just not possible. I can for sure give you {$25.00} maybe more each month but {$25.00} for sure. She said that was not acceptable and would n't accept my {$25.00}. Comes to find out she had called my wife just before that and ran her completely down to the point of her almost crying at her job. The stuff she said to my wife should of never been said. Talked to a XXXX lady who I believe was the manager XXXX XXXX. She was nice the first time and told me what XXXX offered wasnt correct and that it had to be XXXX payments but would do the {$75.00} since it was offered. Told her Id get back with her and see if they would settle for XXXX. Got a call back and said they wouldnt told her Id see what I could do. Got a call back a week later told her I had nothing but could give {$25.00} She insisted that wont work and its {$75.00} or full amount or they will take it to the next step. She this time was rude just like the last person. I have never been talked to like that and wouldnt wish it on anyone. My wife should of never been talked down to and ran into the ground like she was. I was kind of rude when the lady got rude on the phone the last time but what to you expect when you treat someone like XXXX.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I sent an email to the CEO of XXXX XXXX XXXX requesting the removal of a negative item from my credit profile being reported to the credit bureaus by XXXX XXXX XXXXXXXX. Shortly after I received a phone from a company representative and on that phone call I request proof of signed documents pertaining to the account in question. XXXX XXXX XXXXXXXX has failed to provide those documents in a timely manner and I question if they even exist. Which is why I demand the account be permanently deleted from my credit profile. 

15 U.S Code 1666b timing of payments 15 U.S Code 1681i procedure in case of disputed accuracy
Product: Debt collection

I AM THE CONSUMER- I AM THE ADMINISTRATOR- I AM THE EXECUTOR 15 USC 1692c ( d ) I received a debt collection notice from Logicoll , LLC on XX/XX/2021 and it was dated for XX/XX/2021. The letter stated that I owe them {$300.00}. I have absolutely no knowledge of ever doing business with this company or having any contractual agreements with them, so for them to have my personal information is disturbing and that is a violation of my right to privacy pursuant to 15 USC 1692 ( a ). They have violated 18 USC 1341, Mail fraud against the United States Postal Service. They are also violating a number of my federally protected consumer rights. I AM A FEDERALLY PROTECTED CONSUMER.
Product: Vehicle loan or lease

I started out with this company with an auto loan in which I fulfilled the terms of that contract so I chose to use them again on another vehicle that I purchased. My payments were made on time until there was an issue with repairs that the vehicle needed and come to find out the dealership knowingly put the wrong transmission into the car and sold it to me and that can be verified by the actual manufacturer last dealership where they had brought the car in for a new transmission to be installed and the manufacturer told them that the transmission they purchased was te wrong one and that they wouldnt be able to do the repairs so they had it repaired with there personal mechanic through a mechanical shop that XXXX XXXX XXXX owns. So I was going through a court litigation with the auto dealership and with the finance company. The judge awarded the plaintiff the amount of {$5100.00} and I was awarded back my car without the finance company being allowed to stay on as the lien holder. Months later I noticed on my credit report that the finance company changed the contract terms from an auto loan to an installment loan and began to charge interest on the court ordered balance that the judge ordered for me to pay them back which is illegal. I have not signed a new contract with them agreeing for them to change any terms of our contract. The judge cancelled out the terms of that contract and ordered me to only be responsible for {$5100.00} so I am filing a complaint against this business for not following through on the terms set by a judge and for trying to extort me for more money than I actually owe them
Product: Credit reporting or other personal consumer reports

I have identified incorrect entries on my credit report under 15 USC 16c-2 involving hard inquiries I didnt authorize. Please take action to delete these inaccuracies.
Product: Credit reporting or other personal consumer reports

To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my Equifax, XXXX and/or XXXX credit report. My latest credit report shows 18 credit inquiries that I did not authorize. 

I am writing to dispute the following inquiries and ask for their removal from my credit report. 

XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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 U.S.C 1681. 

Account XXXX. Creditor : XXXX XXXX XXXX XXXX XXXX PA. XXXX {$1900.00} : Updated : XX/XX/XXXX Account name:XXXX Creditor:XXXX XXXX XXXX XXXX. XXXX {$880.00} : Updated XX/XX/XXXX Account namXXXX. Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Amount {$920.00}. Updated : XX/XX/XXXX has violated my rights my accounts. 15 USC 1681 section 602 A. Statues 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 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 the records of conviction of crimes which antedates the report by more than seven years. 15USC 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Remove/Block these fraudulent accounts from my credit report in 4 days of receipt. I am writing to you to express my deep concern over the fraudulent information on my consumer report. I was shocked to learn that I am a victim of identity theft, which has resulted in a negative impact on my credit history and my financial wellbeing. This has been hurting me as I am in the process of buying home for my family. I am emotionally distressed and need these fraudulent accounts removed ASAP. 
1. XXXX XXXX- XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I do not recognize this account, the amount that they are charging me, I do not know what it is, they never contacted me, it is an account that has been active since XX/XX/2023 from a believer that I do not know, the amount that they are reporting to me is {$1900.00}. I have already written to the different credit bureaus reporting this situation and they have not given me a solution. I do not have Letters or documents or receipt of what I am being charged, which I do not have the slightest idea of where this debt that is affecting my credit report comes from.
Product: Bank account or service

My name is XXXX XXXX. XXXX XXXX, XXXX I made a Cash Deposit ( CD ). There was no activity regarding the account. I never got notified about it. On XXXX XXXX, XXXX I went into Wells Fargo to claim my CD and obtain any information about it. Wells Fargo told me I had to wait ten days to hear from them. They called me and told me that the bank is still waiting. I called them and spoke with XXXX who told me to call the Wells Fargo claim department. So, I called and they told me to go to the branch where I deposited the money. When I arrived, they told me that they can not find any record anymore and the account was closed on XXXX XXXX. However, I never closed the account and was looking for my money. I was referred to the unclaimed properties of Wells Fargo. I called them and they told me they do not have it. I asked them how do I proceed. I was then directed to the State Controller. I called the number and they told me to ask for a letter of proof of deliverance from the bank. The bank gave me the letter and I faxed/emailed it on Friday, XXXX XXXX. Today is Tuesday, XXXX XXXX. I received an email from the state controller saying that they never had it. I printed it out and took it to the bank. I talked to an executive banker who told me that he could not find the account and could only find my social security number. They told me there was nothing they could do. 

I am a XXXX year old woman. I placed my money into the bank hoping to make some money over the years through the interest. I never received any notices from anyone about my cash deposit. I 've lived in the same place. The have my address. I do n't know where my money went, but I hope and pray that this can be solved. Ive been given the run around. I 've contacted many different departments in the hope that my issue will be resolved.