23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I purchased a motorcycle threw Harley Davis, I had a XXXX an was XXXX for XXXX months, this happened 60 days after I purchased I continued to make XXXX more payments, they came got the bike an it had XXXX miles only on it an they sold it to another bike company for XXXX. I paid XXXX. Some how that did n't seem right or just. They billed me for the rest of the money lost in the loan, it 's XXXX yrs old now an I feel they should have to remove it ; my Credit has suffered long enough due to this XXXX. I was hit an was the innocent victim of all this.
Product: Debt collection

A man named something that sounds like " XXXX XXXX '' has called me everyday twice a day since XX/XX/2020, leaving a message every 24 hours stating that he is representing XXXX XXXX on a debt not owed. He provides Reference # XXXX and a return phone number XXXX. Each time he calls, a different phone number is used to make the call appear local, but I can tell by his accent that he is calling from somewhere in the XXXX XXXX. In every voicemail he states " I am calling from XXXX XXXX, '' but the return call phone number is registered under Southwest Credit Systems. He has used all of the following phone numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I have retained all of the voicemail messages. Under the FCRA and the FDCPA please immediately cease and desist all further attempts to collect this debt not owed to Southwest Credit Systems and especially not Southwest Credit Systems using contractors in the XXXX XXXX to pose as employees of XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got this accounts that are notmine and i want them to be remove from the 3 credit reporting agencies. 

1. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

2. Identity Theft CB/XXXX  Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX  XXXX  rovide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting or other personal consumer reports

my identity has been stolen and i informed Experian credit reporting agency with proper information and have not heard from them. I sent in documentation and have not heard anything back. i am demanding the deletion of the following account. XXXX XXXX XXXX XXXX XXXX, account number XXXX. They are violating my consumer rights as well as my request for blocking information related to identity theft under 15 USC 1681c-2.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXXXXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX PXXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Debt collection

XXXX/XXXX XXXX transferred a mortgage that had been paid in full and released a XX/XX/XXXX mortgage with XXXX that had already been released. We continued to pay XXXX under threat of foreclosure until they released a XX/XX/XXXX mortgage that was also released twice. Now we are transferred to SPS also under threat of foreclosure for a brand new loan no one ever gave us.

1. They are collecting {$8700.00} for {$6900.00} Taxes and insurance 2. In XX/XX/XXXX there was a new loan set up that no one gave us and charged us a {$450.00} late fee.

The only explanation is that the loan started over. - what does this mean? What is this loan?
Product: Credit card or prepaid card

I had been trying to sign into my cash app account and was unable to for a couple days there was something wring with the app and was told they where working to fix it so when i was finally able to XXXX XXXX my account i noticed all these unauthorized transaction on my account and i knew my money wasn't adding up so i disputed all of the transactions and they denied them so i asked for documents and i told them once I receive them amd my money im going to close out my account because i have had to many priblems frim them so instead they send one document out of 12 close out my account and say due to suspicious activity that goes against there terms of conditions because i asked for documents and then when i oook att the documents it says a card was present a duh it was used without my permission its places i have never even been like XXXX XXXX all these XXXX transaction XXXXXXXX XXXX XXXX  XXXX took XXXX like i just wany my money then they send me a replace card then closed my account because i told them i eas going to report them sbd thats why they being investigated now there supposed to be banked by XXXX but its really square
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date : XX/XX/22 I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, these accounts is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit profile and score. Account name : XXXXXXXX XXXX  XXXX Account number : XXXX I have previously requested that you investigate this information above and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. Account name : XXXXXXXX XXXX  Account number : XXXX The account number above have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. Account name : XXXX XXXX Account number : XXXX The account number above have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. Account name : XXXX Account number : XXXX The account number above have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right so 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. i did not give anyone written consent. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. Also the credit bureau took more then 30 days to complete my investigation.

made a complaint to my attorney general, the XXXX XXXX XXXX XXXX XXXX XXXX & the federal trade commission ( FTC ).
Product: Credit reporting or other personal consumer reports

I value your help too Remove a portion of the data in my credit file that came about because of fraud yet I have items passed on that should be taken out or removed Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX Balance {$7000.00} XXXX XXXX XXXX XXXX  Balance Owed : {$870.00} XXXX Original Creditor XXXX XXXX XXXX XXXX Balance Owed : {$740.00} XXXX Original Creditor XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX Original Creditor XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Balance Owed : {$730.00} XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$730.00} XXXX XXXX XXXX XXXX Balance {$750.00} XXXX XXXX XXXX XXXX Balance {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$450.00} - tied up XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Someone did a mobile deposit of XXXX on XX/XX/XXXX into my and my sons joint checking account. My son called bank to inform them this was not right. The check got returned due to being drawn on a fictitious account. In the meantime we got charged XXXX fee for depositing a bad check that neither one of us did. Now his account is frozen. They will not give me the # of the mobile phone that did this nor the IP address it was done from, They will not refund the XXXX. 

The check was made payable to my son from some lady in XXXX NM, Check was not endorsed by my son, check was signed with a different name than whats on the account. I tried to contact this lady, but did not have any success with her home or work numbers I located online. I feel this is wrong to charge my account a fee for a scam check that was not deposited by myself, my son or anyone we know. They will not give me the information of where this deposit initiated from. How unfair for an honest person to be treated like a scammer and a liar. If you should need copy of this scam check or any other information please reach out to me. I have contacted local branch, they said they would get back to me and never did. I then called the XXXX # and still could not get any answers.
Product: Checking or savings account

I requesting a refund dispute on the behalf of unauthorized transactions from my account I requesting this matter to be refund from my account the unauthorized transactions was stolen from my account.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, the courts ruled each and every time that the CRA couldn't merely " XXXX  '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditorXXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXXXXXX 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

XXXX XXXX and Transunion is not following the rules of the Fair Credit Reporting Act. I disputed 4 accounts on my credit reporting XX/XX/2020. In my response from the credit bureaus through CFPB it stated that they require more time to investigate. This is now XX/XX/2020. That's too long for investigation or to receive verification of a debt.
Product: Credit card or prepaid card

I didn't receive the XXXX miles for the latest three billing period, and welcome bonus miles as well, since I have reached the spending requirement two months ago. 

I also contacted customer service via chat, they confirmed that the regular purchases earned miles and the miles from welcome bonus was pending. I should expect to see the miles on my XXXX account by XX/XX/2022. 

The welcome offer : 75,000 bonus miles after {$3000.00} or more in eligible purchases are made on the Card within the first 3 months ( 92 days ) of Card Membership.
Product: Debt collection

I contacted this collection agency initially on XX/XX/XXXX to dispute the debt as they stated to do in their XX/XX/XXXX mailing. Email dispute sent to their collections department ( XXXX ) I never received a response. On XXXX they sent another notice threatening to contact the credit bureaus. Second dispute sent to XXXX and XXXX their collections dept. Also forwarded initial dispute email to the payments department. 

XXXX had failed to apply the proper credits to this account. XX/XX/XXXX, I applied for their federal broadband assistance program that offered XXXX XXXX monthly bill credits for qualified applicants. I received approval XX/XX/XXXX ( see attachment ). I contacted XXXX to apply my credit ( see attachment ). As of XX/XX/XXXX the they had not. I contacted XXXX again and they advised that they would apply the credits retroactive back to XX/XX/XXXX ( see attached ). As of XX/XX/XXXX, they had not applied my credit so I rightfully terminated my service due to their inability to honor my approved application for assistance. 

This is the XXXX collection agency that has attempted to collect on this bill. First agency sent the bill back to XXXX. The amount of this bill is incorrect. The agency needs to contact XXXX to apply the proper credits and resend an accurate bill.
Product: Debt collection

On the following dates, various people from Admin Recovery have called my husbands work cell phone and my fathers work cell phone asking for me. 
XXXX, XXXX, XXXX and XXXX. The calls in XXXX were a representative named XXXX XXXX at XXXX extension XXXX. 

Admin Recovery has my phone number and I have spoken to a few people there requesting that they not call other people looking for me. I do not have a mailing address, but have an email customer service address and have requested at least twice ( XXXX and XXXX ) that they not call either my husband or my father. 

There has not been any written correspondence received from this company. I do not know why they are calling looking for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple disputes with XXXX concerning an unauthorized hard inquiry ( XXXX XXXX/XXXX XXXX Acct # XXXX ) and an unauthorized collection account ( Concentric receivables Acct # XXXX ) {$1100.00} on my credit report. On XX/XX/XXXX, I sent my second round of disputes and the collection came back verified. On XX/XX/XXXX, I sent my third round of disputes and on XX/XX/XXXX, I received partial investigation results from XXXX that the hard inquiry and collection account was verified. This is a lie because on XX/XX/XXXX, XXXX XXXX sent me a letter and also sent a letter to XXXX saying " After review of the XXXX XXXX XXXX claim, we have concluded that you are not responsible for the disputed account. '' Also, the letter stated that they submitted a request to XXXX to remove this off my credit report. This is evidence from the creditor stating that the account isn't mine, so how does XXXX continue to say the hard inquiry is verified? That's a lie! Additionally, since XXXX would not remove the collection account off my credit report, I filed a XXXX complaint on XX/XX/XXXX on Concentric Receivables for having an unauthorized account on my XXXX credit report and on XX/XX/XXXX Concentric Receivables responded to the XXXX complaint stating, " We have no record of any disputes or communications with such complaint. However, today we submitted a deletion request to the credit bureau. '' This is evidence that the collection account needs to be deleted immediately. If the creditor has no record of three rounds of disputes, this lets me know that XXXX is not sending my dispute letters to each creditor and just annotating " verified '' on the investigation results when it wasn't verified. This is really starting to irritate me. I am also a victim of the XXXX data breach. This hard inquiry and collection need to be removed from my XXXX credit report today!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX opened XXXX Account shows Im authorized user. I have no knowledge of this account. 

XXXX XXXX XXXX In accordance with the Fair Credit Reporting act 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. 
XXXX XXXX XXXX This account has the wrong account balance. 
XXXX XXXX XXXX I have no knowledge of this account
Product: Credit reporting or other personal consumer reports

This is my second time going and submitting the appropriate information and I keep getting push back when I have provided all correct documents- They keep saying they have reached out to me for a second time but I never get that communication. Just as a reminder I have had consultation so I know I have provided the appropriate documents so please delete and block the information in the allotted time ( 4 Days ) so that I can move on please. I am writing in response to the information I submitted to your company regarding my debt bondage situation. As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed were self-attestation, a picture ID, a bill, and a letter from an advocacy group helping me due to debt bondage, which falls under 605c according to Fair Credit Reporting Act ( FRCA ) I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four ( 4 ) business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW are required. Which I have provided both, my documentation as well as an attestation validated by XXXX representative. Victim determination according to 1022.142 ( b ) ( 6 ) A self-attestation by a consumer ( myself ) who Identifies as a victim of debt bondage which is included in the CFPB XXXXFCRA FINAL FACT. I have provided all appropriate documentation and I am in compliance under the Final Rule ( effective date XX/XX/year> ) which established me as a victim of debt bondage. Once again I will Please ask you to block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Very RESPECTFULLY, PLEASE DELETE AND BLOCK the requested information on this request which is the same as the previous request that you did not block. The documents that are need and included in my attached are ( 1 ) Proof of identity, I sent my CLEAR copy of my drivers license, ( 2 ) victim determination letter ( 3 ) a self-attestation, provided that it is signed by a representative from a authorized XXXX. ( XXXX ) Identification of adverse information I provided the adverse Items that needed to be deleted and blocked I appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal of this information from my credit report. Thank you for your understanding and cooperation. Please contact me by email at : XXXX XXXX
Product: Vehicle loan or lease

The staff at Westlake Portfolio Management are a band of thieves!!!! I sought to get to the bottome of the fact that they were charging me extra fees. A female representative was very rude, uniformed and gave me the wrong name and wouldn't provide her customer rep ID #. They charged me fees for insufficient funds for my auto loan when the money has been available on the date they claim the money wasn't there. 

Based on this institution 's engagement and reviews of its customers, it proves that Westlake is a candidate for an in debt audit and investigation. There is something going wrong with this company in terms of hidden fees and the extra charges it places on its customers, especially those like myself who have money available for the ( auto-pay ) I was using. It appears that when customers are not looking, this company chooses not to may the withdrawal in order to stack up insufficient late fees. This is criminal. Please take a look at this company?????? 

I have added their reviews to establish that this is not an isolated issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your time. 
XXXX XXXX XXXX.
Product: Credit reporting

I have repeatedly notified Experian credit reporting agency that XXXX XXXX XXXX with account number XXXX is currently reporting this account as a charge off for {$17000.00} in addition to the wrong open date for the account. This account was included in chapter XXXX bankruptcy and needs to be updated to show discharged in chapter XXXX bankruptcy. ( please see attached supporting documents ) I have also repeatedly notified Experian that Security Service federal credit Union with account number XXXX is currently reporting as a $ XXXX off in addition to the wrong opening date. This account was discharged in chapter XXXX bankruptcy. ( please see attached documents )
Product: Credit card

On XX/XX/2023 American Express sent me a email saying that they have lowered my credit limit from XXXX to XXXX. I contacted them the same day saying the reason they have lowered my credit limit is discrimination which goes against the equal credit opportunity act. i then called them and said the same thing and they ignored this on and said there was nothing they could do until your credit score gets better.