23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Discover Credit Card I lost my card between the date of XX/XX/XXXX - XX/XX/XXXX while traveling abroad. 

I wasnt aware of my lost card until a transaction email alert was sent to my email ONLY after the transactions were approved. Their internal fraud prevention system bypassed this transaction and let it go through. 

There were 3 transactions made 1. XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX - {$480.00} 2. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$27.00} 3. XX/XX/XXXX XXXX XXXX XXXX XXXX - {$1200.00} I was alerted about the transactions and quickly called the fraud department to block my card and freeze the account. Since I was abroad, I filed a local police report and sent an intimation letter to local police department asap. Since I was abroad, there was no proper way to community with the credit card company. 
Ultimately, the credit card company billed the fraudulent charges back to my account and passed a resolution without any kind of communication. ( I was abroad so I was not able to receive any email, mail etc ) I have attached statement, police letter and police report to this message. 

The discover credit card company has harassed me by forcing me to pay for these charges which I am not liable for. I am fed up with and afraid to deal with similar problem again, therefore I have decided to close all my credit card accounts with all other companies as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
Here are the items that are in dispute : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Commonwealth Financial Services balance {$100.00}? - I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the America Bar Association and Professional Liability Fund for code of ethics violations. 

I will just go ahead and order them now, so I can turn it over to him. 

Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my report for accuracy and saw an account for XXXX XXXX XXXX from XXXX XXXX XXXX in the amount of {$750.00}. I have no idea where this account originated from. XXXX  agreed to delete the account from my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an out of statue account since this was paid so many years ago, and I am not liable for the repayment of this account.
Product: Credit card

Acct From Barclays Bank ending # XXXX Closed on XXXX/XXXX/14.
Product: Debt collection

I logged into the website to settle a debt I owed to this company. They had a settlement offer attached to the account so I paid the amount the offer that was presented to my screen. The amount was XXXX on XX/XX/2024. Ive checked my account over the course of multiple days from their website that is extremely buggy and they still havent settled this account per their agreement that was presented to me. Not only that they have reported a balance still owed on my 3 major credit bureau accounts of {$99.00}.
Product: Debt collection

I purchased a vehicle from XXXX  XXXX  ( financed through XXXX XXXX ), XXXX GA in XX/XX/XXXX. The vehicle was repossessed in XX/XX/XXXX. I was never able to resolve the account, nor did I promise or attempt to at any time. 
In XXXX, I received a phone call from a woman saying that she was a clerk of court and she asked me about the account. The lady only identified herself as a court clerk, and threatened to come take a vehicle that I owned. She described the vehicle and the VIN number. She said that if I did not resolve the account with her, she would take my car. I told her that it was illegal and informed her that the debt had aged out asked her name and which court she was calling from. The woman hung up on me. I called the number back, and no one would answer. I called back the next day and a male answered the phone and said that it was not a court, it was Deville asset management. 

Recently, I have found the account on my credit reports. It is listed under XXXX XXXX, handled by Deville Asset Management. It is showing a payment made in XX/XX/XXXX, which I never made. I called XXXX, which gave me information for Deville Asset Management. When I called them to ask for proof of payment, the company could not provide the information, and put the supervisor on the phone. The supervisor informed me that this company is not Deville Asset management, but a company called XXXX. The supervisor then stated that the account has been resold to a company called XXXX. I have tried several times to reach XXXX, but there is no answer. The phone rings and hangs up. 

The issue is : My state has a 6 year statute of limitations on debt. The account is well over nine years old. The supervisor at velocity informed me that the statute of limitations does not apply and that anybody can come after me, no matter how old the debt. 

One of the companies falsified payment information and dated the payment XX/XX/XXXX, which would re-age the debt and make me liable until XXXX for the debt. I never made another payment on that account, it is showing as a delinquent payment on my credit report, and because I can not prove that I DID NOT make the payment, its still reporting negatively. 

No one is willing to provide proof of payment, and no one is willing to speak to me concerning the matter. I am stuck with the negative mark and none of the junk debt buyers are willing to give me any answers. It almost as if since they could not collect, they re-aged it so that they could quickly sell it as a viable debt.
Product: Debt collection

Name of Creditor : MOBILOANS LLC Address : XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX, LA XXXX Re : MOBILOANS LLC Amount : {$760.00} Dear Sir or Madam, I am disputing the validity of the debt referred to above. I am not aware of the account number and you have not informed me of the existence of this account. 

I am willing to pay this account IN FULL ( or a settlement percentage, whichever is feasible ) if you agree to immediately delete the account from the credit reporting agencies ( namely XXXX, XXXX and XXXX ) that you have reported to, and validated this account. My sole purpose is to get this item removed from my file. This letter should not be interpreted as recognition of the debt or acknowledgment of liability for the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did speak with customer service from Synchrony Bank about JCPenney. My card was closed in XX/XX/2016. They keep to stay my negative account in credit bureaus for 10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union allowed XXXX XXXX XXXX to pull my credit report a number of times with out permission purpose or a legitimate need to obtain a copy of my credit report. XXXX XXXX XXXX closed and stop all further collections on an account that they had last year due to the debt being Exempt from debt collection for being on Social Security XXXX for life. since they closed the account and stop all collections on this account they have no permission purpose under The Fair Credit Reporting Act ( FCRA ) to pull my credit report for account reviews when they have no account that is open to collections from me If you stop all further collection and closed the account you have no right to review my credit report on a closed account unless you are still trying to collect on exempt funds
Product: Checking or savings account

I had already closed this account for a long time. I called them and telling them to call it. but I did not realize the account was overdrawn me {$710.00} for no reason then now I couldn't open new account.please help me.
Product: Debt collection

Car was repossessed and sold for parts. Account is closed as repossession for XXXX since repossession balance has been reporting an increased balance. XXXX has removed the account. I have documents to show deficiency balance. I have tried to validate the debt several times and no response.
Product: Credit reporting or other personal consumer reports

I checked my report on XX/XX/2024, and noticed some things are incomplete and inaccurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The following accounts are not complete and accurate. 
[ XXXX XXXX ] [ XXXX XXXX ] . 
[ Dept EDXXXXXXXX XXXX XXXX ] [ XXXX XXXXXXXX ]
Product: Credit reporting or other personal consumer reports

I did not give permission or authorization to open my credit report to XXXX  or XXXX XXXXIve filed identity theft reports and frozen my XXXX account to prevent fraudulent activities.Ive added black web sweep for extra security..I disputed with XXXX credit breua and let them know I didnt recognize companies or give anyone permission or authorization to use my information and I asked to be removed immediately because it hurting my credit score negatively I also noticed a address on my file that I dont recognize XXXX XXXX XXXX XXXX, OH XXXX witch I disputed with XXXX also that I want removed immediately also
Product: Debt collection

In XXXX of 2021, I began receiving collection notices from Bull City Financial Solutions , Inc for a medical debt from XXXX Hospitals. First, I was not given proper and legal notification that the debt could be challenged. 

The collection agency is in violation of the North Carolina Fair Debt Collection Practices Act which is functions separate from the Federal version of the law.
Product: Credit card or prepaid card

On XX/XX/XXXX XXXX took XXXX and XXXX ... on XX/XX/XXXX and XX/XX/XXXX XXXX credit took XXXX XXXX in XXXX Georgia took XXXX i called the wsy 2 go card they acted like they couldn't help me get my money back and one time before my card was stolen and someone used it as credit and got over XXXX cash and i reported it to them they did nothing i need my routing and acct number they want giv me that i need them to unlock the acct so that one place can refund my money this is all the income I have im a single parent and I need this thanks GOD bless
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Early Warning Services , LLC, for refusing to provide me with a copy of my consumer report, despite my multiple requests. As mandated by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811682, they are required to furnish this report upon request. Their refusal violates my rights under the FCRA and prevents me from accessing and verifying the information they hold about me.

Under 15 U.S.C. 1681g ( a ), consumer reporting agencies must disclose all information in a consumer 's file upon request. My right to access this information is a crucial aspect of the FCRA, which protects consumers ' ability to ensure the accuracy and fairness of their credit information. However, Early Warning Services have repeatedly ignored my lawful requests.

Additionally, 15 U.S.C. 1681 ( b ) underlines the purpose of the FCRA in maintaining the accuracy, fairness, and privacy of consumer information. Denying access to my reports prevents me from identifying and correcting potential inaccuracies, undermining the very intent of these protections. 

I request that the CFPB take immediate action to ensure that Early Warning Systems provide me with my consumer reports without further delay. My preferred method of receipt is by email at XXXX, or, alternatively, by mail to the address listed on my government-issued ID, which I am prepared to submit upon request. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX through XXXX. Student loan XXXX XXXXXXXX XXXX XXXX ; they keep passing inaccurate information to the next organization. I tried several times because my record is in good standing ( since then ) apparently something happen in XXXX for a few months and XXXX for a few months. This was no fault of mine. XXXX late payments is the result of negligence of student loans reporting false information. 

They also they violated my rights 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

They also they violated my rights 15 U.S.C 1681 Section 611 ( 2 ) ( A ) The law clearly states the credit bureaus have 5 days to notify me from when they receives my disputes.
Product: Student loan

Already had a hardship deferment with previous collector ( XXXX ). New collector ( Navient -- who had it before XXXX ) took my {$5.00} a month, and then said I had to pay {$280.00} ( One-third of my Social Security for the month ). I paid them on XXXX XXXX {$10.00} to show my good faith to hold while the process the paperwork with documents provided. They acknowledged they had the documents in their system. I had been on deferment before, nothing said I was not on deferment anymore. They again sent me notice they were still collecting {$280.00}. I asked them why, and they said it was going through the process. Do n't worry. Oh XXXX XXXX they pulled {$280.00} ( 1/3rd of my month 's income ) out of my checking account. I called and asked why/? That left me nothing to pay my rent. The Navient 's customer service person said because I gave them permission to pull from my debit card for {$10.00}. That opened the door. I called my credit union, and they said the money was NOT pulled by my Debit card. They pulled directly out of my checking account. ( I tried to upload copies of Navient 's agreement to let me pay {$5.00} a month, my SS letter of my month allotment, and previous XXXX agreement, but my internet access is very poor and it did not process. )
Product: Checking or savings account

I have an account that was open in which I did not open it. My information was stolen out my purse when I was a relative house. I spoke with the bank over the phone but they could n't give me any information on the account.
Product: Payday loan, title loan, or personal loan

On XX/XX/2020 i sent the company a certified debt validation letter. It was received and signed for on XXXX XXXX, 2020. As of XX/XX/2020 i have not received any response from them.
Product: Credit reporting or other personal consumer reports

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the XXXX, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per XXXX. 

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX  Listed below are the Accounts that are being challenged XXXX  XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Debt collection

Various people calling my work and home number never stop. Rude threatening to call various departments and family member.
Product: Credit card or prepaid card

hi, My problem started the moment I opened this account, XXXX or XXXX of XXXX. I never received mail in paper bill form. i would get online bill to know what i am to pay and never the bill descriptions. I would pay the bill as expected between the XXXX  and the XXXX of the month. That's because, am on a fixed income. I get my pension check between the XXXX  and XXXX of the month. It depends on what weekday the XXXX and XXXX fell on. The week of XX/XX/XXXX, I decided to open a online account with Walmart to see why my bill wasn't going down especially when i pay it and I didnt use the card a lot. To my surprise, I realize Walmart Symphony card was charging me $ XXXX late fees for each month since I opened account for 13 months. They said my payment had to be received by the XXXX  of the month. I called to have the date changed and was told that could not be done. I asked to change it to the XXXX or the XXXX of the month. They could not accommodate me. Today, XX/XX/XXXX I call Walmart credit department and spoke the representative XXXX, and again he said he could not change my due date. When I asked to speak to a supervisor, screaming, i spoke to Mgr. XXXX and she changed the due date to the XXXX of the month, plus removed 3 of the current late fees. I had asked her to remove all of them, and she could only do 3. As of XXXX, I will be charged another late fee of {$38.00}. My complaint is I want all the late fees removed because I can't afford to pay it. I have paid {$1000.00} on my bill since XX/XX/XXXX to XX/XX/XXXX. The late fees total {$430.00}. I want all these late fees removed from my account. I am late only because its a bill date they choose for me which do not accommodate me. I do not have the money to pay by the XXXX and when I asked to have the due date changed, I was told they couldn't. It wasn't until i insisted on a supervisor who was able to change the date. The rep XXXX said he couldn't. Which is a lie, and another way to rob me. That's what Walmart did. They robbed of {$430.00} in late fees and I want my money back. And if I don't get my late fees dropped and my credit report exonerating my pay history, you can close my card. When you check my payments, they are always between the XXXX of the month. i pay my bill on time on the due date i have the money to pay. Please drop all the late fees. that is what i want. thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the addressXXXX XXXX XXXX with XXXX and have provided a utility bill and it still has not been removed. The correct address is the XXXX XXXX XXXX XXXX XXXX address.