23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

.I have sent over certified letter asking XXXX to verify this debt they refuse to send me anything regarding this matter or debt. I have sent numerous letters to XXXX to let them know that they did not verify this debt, they are misrepresenting verifying this debt because I have not been able to locate anyone. XXXX are stating that they verfied but that is not accurate. Under the FCRA they are suppose to validate this debt which they refuse to tell me how they have verified this debt.
Product: Credit card or prepaid card

Hi, To summarize : 1. I required a NY State Inspection Emissions test 2. I paid a mechanic located at an XXXX that offered to conduct my test once certain criteria was met 3. The mechanic has since disappeared and could not finish my service.

4. Wells Fargo denied my claim despite a provided invoice and first time raising a dispute chargeback in my years of banking. 
Claim is decision is attached with email support.
Product: Credit card

Again, XXXX XXXX is a bankrupt corporation that is begging for money which is fraudulent. Now they are using a 3rd party company called Radius Global Solutions LLC to obtain this fraudulent money. 

They need to cease and desist this practice and this radius Global Solutions needs its license revoked.
Product: Debt collection

I am not currently even 30 days past on my account with XXXX XXXX in XXXX Texas, they call my phone while I am at work am I am unable to take the calls when I am work. When they do not get me on my cell phone they turn around and call my job at the general number seconds after they try to contact me on my cell phone. This is a daily thing. I pay my bill on line I will be paying it on XX/XX/XXXX I do not need to be called daily.
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.

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. 


XXXX XXXX # XXXX has violated my rights. 

XXXX # XXXX has violated my rights. 

XXXXXXXX XXXX XXXX # XXXX has violated my rights. 

XXXX XXXX XXXX # XXXX has violated my rights. 


XXXX XXXX XXXX XXXX XXXXXXXX XXXX number # XXXX has violated my rights. 
XXXX XXXX  CFPB violation.
Product: Debt collection

I received a letter in the mail from ERC ( Reference Number : XXXX ) trying to collect {$110.00} that is due to XXXX XXXX XXXX, XXXX ( Account Number : XXXX ). I have never been a customer of XXXX. When I reached out to XXXX on the phone they say the account associated with this phone number is XXXX XXXX XXXX with no other address information and the payment due is {$170.00}. If I call XXXX and then the account number I get the partial address of XXXXXXXX XXXX  XXXX with a payment due of {$260.00}. When I have reached out to XXXX online with the information provided in the letter it does NOT match their records. 
When I reach out to ERC directly they give me the address ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ) and phone number ( XXXX XXXX XXXX XXXX XXXX ). They would not provide their license number. When I called the phone number they me over the phone it was an automated message for a medical alert device.
Product: Checking or savings account

A transaction posted to my checking account for XXXX ; however, I never received the cash reload nor does it reflect on my monthly statement from XXXX themselves.
Product: Checking or savings account

there where Fraudulent Transactions from XXXX XXXX XXXX on my Bank Account i Currently Dont Have XXXX XXXX XXXX and there where charges {$430.00} and i never did any Business with XXXX XXXX XXXX and never Purchased anything i fill a Dispute with M & T Bank for the Fraudulent Charge {$430.00} M & T Bank Still Has No Completed The Investigation and its Been Over a Month And The Dispute Was Open In XX/XX/2019 M & T Bank is Taking a very long time To Complete and The Agent From M & T Bank Doesnt Have Any Futher Information i call them the on XX/XX/2019 and said to me they dont have any information about this Dispute and it could take 90 Days.
Product: Checking or savings account

On XX/XX/XXXX, I was checking my Bank of America checking account and noticed a ACH or electric check pending withdrawal for {$2400.00} on my account that any authorized user or my self did not make. I immediately called Bank Of America to let them know that this was a fraudulent transaction and was told that nothing could be done at the moment and I had to wait for the withdrawal to go through in order for me to do anything. I was also told that I should call the company that was withdrawing the money and to try to resolve the issue. I did what they told me and called XXXX Utah XXXX XXXX XXXX and told them what was going on and they said that their were going to put a hold on the money that was withdrawn so that the funds could be returned to me. Once the withdrawal posted on my account, I called Bank Of America again to complete the fraud claim. The funds were returned to me on XX/XX/XXXX and I had to block my account and open another one. I thought that was the end of this but then I received a letter from Bank Of America that after they conducted the investigation that they decided that the funds were going to be withdrawn again because they belive that it was a transaction that I made. They were not able to take the money from the original account and withdraw the money from the new account. I still don't even know what was purchased with those funds all I know is that I didn't authorized the transaction. I hope you can help me with this or gide me on what to do next.
Product: Checking or savings account

XX/XX/scrub>XXXX XXXX We closed all of our BMO checking and line of credit accounts. This included 3 checking and 2 line of credit overdraft protection accounts. We raised the issue of a balance owing on one of the line of credit accounts and the teller consulted with the branch manager informed us that there was no balance owing. 

XX/XX/year> - We received a bank statement showing the line of credit balance was still owing and had been charging interest. We went to BMO paid the full balance and demanded that the account be closed. The branch manager and teller were unclear about whether they had actually closed the account. 

XX/XX/scrub>XXXX XXXX We have received the attached statement, showing a XXXX  balance, but it does not indicate the account has been closed. We want the account closed and we want no further business with BMO.
Product: Credit reporting, credit repair services, or other personal consumer reports

ovewviewing my credit file a lot of information is invalid. I am interested in disputing all of the incorrect information on my credit report with transunion. all information is supposed to be 100 % accurate an its not reported correctly.
Product: Checking or savings account

I was scammed by XXXX parties that claimed to be a loan company, they were going to deposit funds into my account to verify. They sent a check through XXXX  and told me to send it back to them. Well the check was sent back by their bank with insufficent funds. I paid them XXXX out of my checking account which over drew me the XXXX plus an XXXX charge from my bank. Date of occurance XX/XX/2022 from XXXX XXXX XXXX his check was on Chase Bank. I have a picture of his check from my bank. 
Please tell me how to get this money back. Matter a afct he wrote another one for XXXX and sent it to my bank. All my bank could do was close that account and open me a new account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a FRAUDULENT item ( XXXX XXXX XXXX XXXX ) and an UNAUTHORIZED/FRAUDULENT inquiry ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on my credit report. I do not have any idea regarding these fraudulent accounts on my credit report. I am not the one who initiated the inquiries. I am submitting a complaint regarding these inquiries and for assistance to REMOVE them from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX  ( Original Creditor : XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX ( Original Creditor : XXXXXXXX XXXX  ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX (  Original Creditor : XXXX XXXX XXXX  ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX  XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  # XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX,
Product: Debt collection

On XX/XX/2022 XXXX from AIG Accounts Interchange Group for XXXX XXXX XXXX XXXX XXXX contacted my mom looking for me. She was told I do not live with her but that she would let me know that she called and give me her number. I was given the number and tried to called but obtained a voicemail. I left my name and number, believing that this was in regards to an insurance quote. I did not receive a call back, but my mom was called again on XX/XX/2022 in the am. I was working on XX/XX/2022 but when I came home I noticed that the number I had called had called my home phone that morning at XXXX. I called the number back at XXXX on XX/XX/2022 and spoke with XXXX XXXX. She let me know she was with AIG and said that I owed a debt to XXXX XXXX and in order to avoid further judiciary action I needed to pay what I owed. I explained to her that I wasn't going to be paying anything, that I didn't know of a debt with XXXX XXXX, and upon speaking for a period of time she finally said she was with a debt collection agency attempting to collect a debt. I told her that I had not received anything from her company by mail regarding the debt, nor had I received any calls personally from them and wanted her to explain why they hadn't called me, but called my mom. XXXX stated I never answered my phone, which they never had tried to call and when she asked to verify my email address, what she had on file wasn't my correct email address. I gave her my correct email address and she forwarded a generic letter to me dated XX/XX/2022 with little to no information on regarding the debt. When I said I would need to investigate this further on my end she sent me the online application with the company that I supposedly signed then stated she knew I had did the application because the IP address matched my location, she stated this multiple times in our conversation then also stated that I had several, as a matter of fact 5 different IP address. I let her know that there are many people that have access to my IP address and that an IP address can be manipulated. At that time I let her know that I would be looking into this but that she was not to contact my mom again and that she contact me by mail only. Since speaking with XXXX on XX/XX/2022, I received phone calls from her on my home phone number on XX/XX/2022 at XXXX, my cell phone XX/XX/2022 at XXXX and again at XXXX, XX/XX/2022 at XXXX and again on my home phone on XX/XX/2022 at XXXX and XXXX. I work and can not make/take personal calls. I have looked into this and am disputing this debt, but she continues to call. I have a letter I am preparing to send AIG.
Product: Checking or savings account

Chase XXXX, after inviting me to open an account, allowed me to open and link an external account to it. Now, however, they are blocking all transfers into the new account. I can not use it in any way, because I can not fund it. They claim they can not " authenticate '' any bank I try to transfer funds in from, which is obvious junk. Basically they're keeping me from using my account at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

( XXXX XXXX  ( Original creditor : XXXX XXXXXXXX XXXX ) XXXX Date opened XX/XX/2020 Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ) are reporting on my personal credit file with ( EquifaxXXXX ) credit reporting agency. This account, and addresses were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file.
Product: Payday loan, title loan, personal loan, or advance loan

The Company promised me when I was sick the payments or partial payments I missed would be added WITHOUT penalty to the end of my account. They broke this promise and outside of the amount due they say I owe another XXXX dollars. I have asked for an accounting to include the miss payments, the dates and the amounts and they have refused to provide either. I have emailed them over XXXX times no response. Because they have not been honest I asked for these items to be sent in a written form. They have done neither. They have broken the commitments and not responded in the manner requested. i want to pay the correct amount but like the over XXXX complaints listed on line I do not want to be a victim of possible fraudulent actions. The latest of which was without authorization placing me on a reduced payment, I have one scheduled payment left and I want this settled. Hopefully you will be able to get these people to respond correctly and to document their statement.
Product: Credit reporting or other personal consumer reports

As a result of ID theft/data breaches in recent years, I have the following inquiries that need to be removed from all three CRA 's XXXX I have tried to dispute this date directly with the creditor and got no response after 90 days. These inquiries need to be deleted from all 3 CRA 's. 

ONEMAIN Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Acct # XXXX opened XX/XX/2022, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XX/XX/XXXX  I filed a Dispute with Eqifax to remove inquiries that were incorrect on my credit file, by  XX/XX/XXXX  I received confirmation that my Dispute was complete. The inquires we not removed and I was notified that it was factual. I called 13 times after filing 609 letters with all documentation proving that the inquiries made on   XXXX   XXXX   XXXX   was not made by me. I purchased my car  XX/XX/XXXX  and those inquiries fell off only to be done placed back with a date of   XXXX   XXXX   XXXX  . I received a letter that Equifax had a comprise into their system. Every rep I spoke to was rude and only replied with oh well it will come off in  XXXX .
Product: Checking or savings account

I need to know who to speak to about an old Citi account I opened a while ago and if I owe anything on it I would like to build a relationship back with this bank
Product: Debt collection

This is from a phone company of XXXX, they sold a phone that was outdated to began with ( without 5G ), I paid this company for the monthly bill of over {$70.00} a month ( take a look at my credit cards for those charges ) for 11 months, but was never able to even connect to the internet ( photos have been sent to the company, XXXX of phone saying " NO INTERNET CONNECTION '' ; as well as the Missouri Attorney General ). They claim I was under a contract and liable to pay, but the phone sold was out of date ( NOT A 5 G ), and would NOT connect to the internet. They claim I owe them {$170.00} in which I will NOT pay for a service NOT rendered. This phone company left me in below zero temps without phone service and NO heater in my auto. I owe them nothing ; they owe $ $ $ $ $ thousands.
Product: Student loan

The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXXXXXX XXXX misrepresented job placement rates to prospective students between XXXXXXXX XXXX XXXX falsely claiming that 90 % of graduates secured jobs in their field of study within six months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXXXXXX XXXX across campuses in 26 states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts.
Product: Credit reporting, credit repair services, or other personal consumer reports

its been one year am trying to dispute with them they need to provide me proof of verified items or delete from my credit report
Product: Credit reporting

XXXX account on my experian credit report was schedule to come of my credit report XX/XX/XXXX and experian refuses to remove it from my credit report I also attached a previous experian credit report form XX/XX/XXXX showing that XXXX account was schedule for deletion on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing a complaint against XXXX, TransUnion, XXXX, XXXX. XXXX XXXX, and XXXX because there was a collections against that was falsely opened in my name on XX/XX/2022. XXXX claims that I owe a balance of an XXXXXXXX XXXX whenever I switched carriers from XXXX to XXXX XXXX. 

I recently messaged XXXX, and they said that it is IMPOSSIBLE to switch carriers when you owe a balance on a phone, and XXXX XXXX XXXX XXXX when I opened the account with them, they didn't see any balance owed AND the IMEI was in good standing. 

Also, when I traded in this XXXXXXXX XXXX to an XXXX XXXX, the IMEI was in good standing. I have a variety of evidence to prove my case. Messages between the two carriers, screenshots of the phone 's IMEI in good standing, as well as the receipt for my traded XXXX XXXX. This has messed up my credit score for a long time, and I wanted this collections account removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Mortgage

I settled on my construction loan with XXXX XXXX XXXX in late XX/XX/XXXX. My first payment was due XX/XX/XXXX. On XX/XX/XXXX I received a letter from BSI Financial Services requesting proof of hazard insurance on my owner occupied home.This is a construction loan and property is vacant. The appropriate insurances were in place at time of settlement and these documents are in the loan file. I called BSI and was told that they do not get my loan documentation when it is transferred and that it is standard practice for BSI to call the borrower and request insurance or place forced coverage. This was told to me by XXXX XXXX Employee # XXXX. I have placed several calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have been put on hold, sent to voicemail and disconnected. I am told that they will look for my loan documentation but never get a return call with status. The proper insurance overages were in place at time of settlement. I have uploaded my insurance policy to their website and gotten confirmation but they tell me they dont have it. 
I am concerned about their record keeping and lack of inter-company communication. As of right now I still do not have resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # 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.