23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It May Concern, I am writing in response to your phone call that Ive received. I request that you provide validation of the debt you claim I owe, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Please provide the following information : 1. The name and address of the original creditor. 2. The date the debt was allegedly incurred. 3. The amount of the debt, including a detailed breakdown of all fees, interest, and other charges. 4. A copy of any signed agreement or contract that obligates me to pay the debt. 5. Proof that your agency is licensed to collect debts in my state. I also request that you cease all communication with me about this matter, except to provide the requested information or to inform me of specific actions you plan to take, as permitted by law. Please note that this letter is not an acknowledgment of liability for this debt. I will review the requested documents to determine if I am legally obligated to pay. Thank you for your cooperation. I look forward to your timely response. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am exhausted in regards to the accounts that are not associated with me, I have filed an identity theft report and have faxed over to all three credit bureaus. I have contacted XXXX, XXXX, and Trans Union via phone, fax and certified mail and haven't had any luck in getting anything resolved. I'm trying to buy a home and these accounts that are not associated with me are coming back and reporting negatively which is impacting my score tremendously. These accounts have been lingering on my accounts where tied to my name which I have not opened : XXXX XXXX in the amount of {$470.00}, XXXX XXXX in the amount of {$670.00}, XXXX XXXX XXXX in the amount of {$590.00}, XXXX XXXX XXXX in the amount of {$750.00}, XXXX XXXX XXXX XXXX in the amount of {$600.00}, XXXX XXXX XXXX in the amount {$390.00}, XXXX in the amount of {$86.00}.
Product: Credit reporting or other personal consumer reports

I noticed multiple unauthorized hard inquiries on my report. I reached out to Equifax, who advised me to contact each of the companies responsible for pulling my credit report. I called back to Equifax to inform them that the companies are not responding to me and they continue to direct me to the credit bureau, which is Equifax! Equifax instructed me to file a police report. No. Equifax can obtain the document containing my signature that I authorized these inquiries, which I didn't! I have spent hours writing these companies, calling Equifax, disputing with Equifax, and unfortunately receiving the same response : " Inquiries are a factual matter, '' which is NOT TRUE! Therefore, I am requesting a thorough investigation into this matter to verify the validity of the hard inquiry. Additionally, I ask for documentation or evidence demonstrating my authorization for these inquiries. Please provide a written response detailing the results of your investigation and any supporting documentation within the timeframe outlined by the Fair Credit Reporting Act.
Product: Debt collection

This debt was included in my bankruptcy and has been XXXX. The company refuses to remove it from my credit report
Product: Debt collection

Between XX/XX/XXXX and today ( XX/XX/XXXX ) I have repeatedly contacted XXXX XXXX and XXXX XXXX via phone and email explaining the problem over and over and asking for progress on getting this removed from my credit reports. I get no response. This has been going on for months now. 

In XX/XX/XXXX, I sent NCS pay stubs showing amounts taken from my pay, which indicated that XXXX XXXXXXXX XXXX debt was paid in full. They still claim not to have received all of the {$1700.00} plus that was taken from my pay, even though the pay stubs that prove it. They claim to only have received about {$700.00}.
Product: Debt collection

CREIT MANAGEMEN XXXX NOT MY ACCOUNT I SENT DISPUTE THEY DENIED MY DISPUTE SEVAL TIMES
Product: Checking or savings account

On or about XX/XX/2022, I opened a checking account for the sole purpose of handling my mother 's estate after she passed away. On opening the account I was told that there would be no fees or charges on the account as long as I maintained a minimum balance of {$1500.00}. After the required probate period required by my state ( WV ) I dispersed the funds in the account to the creditors and heirs of the estate with the exception of {$1500.00} of my share to keep the account open for the future sale of real estate as I believe I am required under WV state law. On XX/XX/2022, the account was charged a " RETURN STATEMENT FEE '' of {$5.00} bringing the account balance to a total of {$1400.00}. After noticing the charge on the account I called customer service and after " getting the run around '' for over an hour the {$5.00} fee was credited back to the account ( returning the balance to {$1500.00} ) and it was explained that the charge was due to an account statement being returned to the bank. ( To clarify the account was not charged to create or mail the statement to me but specifically because it was returned by the USPS as undeliverable. ) Then on XX/XX/2022, the account was charged a {$12.00} " MAINTENANCE FEE '' due to the balance of the account dropping below the required minimum balance of {$1500.00} during the previous statement period ( solely due to the bank 's erroneous charges and for less than 24 hours ). I called customer service immediately and was told that the bank would investigate the matter and contact me. The next morning ( XX/XX/2022 ) the account was charged a {$5.00} " RETURN STATEMENT FEE '' resulting in the current account balance of {$1400.00}. As of today ( XX/XX/2022, I have not been contacted by the bank ( Truist )
Product: Debt collection

I received a phone call from a debt collector with FFIF-ACM Opportunity Fund claiming to represent XXXX Hospital in XXXX FL. I recorded the call which lasted for XXXX minutes until the representative hung up on me. I informed the representative that I was recording the call at the beginning of the conversation. I asked her for the address of the company. She asked me why I needed the address, and I informed her that I only deal with financial matters in writing. She refused to provide it to me. I asked ten more times for the address, to which she replied that she could n't understanding me and that I was cutting out due to my bad reception. She then stated that when I have better reception, I could call back and she would give me everything I needed. She never provided me with a company phone number and the call came from an unpublished number. She also refused to repeat the name of the company when asked. I attempted to validate this debt with another debt collection agency that formerly owned the debt ( XXXX ). The debt was never validated and was removed from my credit in 2013.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against timeshare XXXX XXXX. The people I dealt with claimed to not to work on commission. When I spoke to them, they told me I was making a good financial investment. They said I can earn from this if I decide to sell it as the resale value would go up. We were also told that it had some tax benefits similar to owning a second home. We felt pressured especially when they said they needed " corporate approval '' in order to grant me the price being offered and it's our last chance at the lowest price. They offered us free vacations that we didn't even get. They have our ID during this process. Everything felt rushed especially when they didn't even gave us enough time to read through the contract and understand it's contents so we can be fully aware of the details of the agreement. We didn't know how to cancel, we were never properly educated of it like how many days to cancel and such. We've called them several times. Worst parts was actually the their whole process. They pressured us into saying yes even after we declined several times. We were taken on a bus to a location, they were our ride back and would not take No for an answer. This timeshare has been so stressful for us. They call us several times a month, harrassing us for payments even after hurricane Ida left us XXXX. This also put stress on our relationship as we get into arguments for getting involved in this timeshare that we can't even use because of very limited dates available. We even lose sleep over the stress caused by this timeshare. Lastly, all we got from this are financial difficulties and negatively affecting our credit scores. All we got is being stressed out ever since we had this timeshare. We were simply defrauded, lied to & taken advantage of.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account XXXX : XXXX Account Name : UNKNOWN : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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.
Product: Credit reporting or other personal consumer reports

I have sent multiple disputes to XXXX, XXXX, and Transunion. No one has sent me results. I have provided XXXX bureau tables of the errors in my credit report. I have the right to fair and accurate credit report. All XXXX credit bureaus are violating my rights. I demand the errors be fixed or deleted. I have attached letters sent to all XXXX bureaus.
Product: Prepaid card

I tried once again to use a {$250.00} prepaid gift card from Amex to pay on XXXX XXXX TIMES for a clothing purchase. I made sure the amount was under {$250.00}, and used it as a credit card at check out. 

It was once again rejected XXXX times. This is a scam.
Product: Credit reporting or other personal consumer reports

It appears that my credit report contains two different versions : 1. What is visible to me ; 2. What is visible to Equifax. 
According to Equifax ( report that is visible to me on my end ) I have no collections, no delinquent accounts and no debt ), however, it appears that Equifax contain completely different version of my report that delinquency, late payments and negative information that affects my credit score and my well-being.

Same account that is reported in good standing and visible on my end has negative ( and/or ) collection status visible to Equifax and other merchants.

When I requested explanation as to why there is such a discrepancy in information being reported and information visible to me I had no answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis complaint XXXX. Written response from lender.. Dear Applicant : Thank you for your recent application. Your request for consumer credit was carefully considered, and we regret that we are unable to approve your application at this time, for the following reason ( s ) : Unable to verify identity Your Right to Get Your Consumer Report In evaluating your application the consumer reporting agencies listed below provided us with information that in whole or in part influenced our decision. The consumer reporting agencies played no part in our decision and are unable to supply specific reasons why we have denied credit to you. What it all boiled down to was this... .everything and I mean everything already passed underwriting! You may not get that now but that is the facts.
Product: Credit reporting or other personal consumer reports

I have recently put a dispute in through XXXX. The original creditor was XXXX XXXX. The amount is for {$910.00}. It says date opened XX/XX/XXXX. It has flagged my credit report 3 times, starting in XXXX XXXX XX/XX/XXXX. The result has plunged my credit score over 100 points! I am a victim of identity theft. Every year, the IRS has to send me a pin so I can file my taxes. This has been an exhausting, repetitive situation for years. On XXXX, regarding my dispute result, it says this account is scheduled to continue on record until XX/XX/XXXX. How can I remove this and get back my 100 plus points back to my credit? I have put a credit freeze through XXXX. I don't know what else to do. This is not my debt.
Product: Credit card or prepaid card

I take care of my mother with XXXX Im out the country a lot. During the corona her XXXX home day program closed down. I did not get alerts to the pay the Commenity bill. I asked several times for auto pay. Supervisors did not look into it to help me. I found out months later that they had auto pay which could have avoided the 2 late fees totaling {$75.00}! They refuse to help because they did before in the past for a different situation. Its a pandemic! I will pay the account in full the Promotion minus the late fee but they are threatening to add {$500.00} to my bill saying its not paid in full, I will pay all the Past interest. How can you say that the agreement was paid in full. The late fee is not part of the original agreement. This credit company is strong arming people during Corona. I would like to mail a letter to the CEO XXXX XXXX for these heartless practices
Product: Checking or savings account

On XX/XX/19, I made a XXXX deposit to US Bank because I knew a transaction of XXXX was coming through on the XXXX. When I checked my balance, it showed I was XXXX in overdraft fees. I contacted the bank and talked with XXXX # XXXX XXXX who told me that because I deposited a check, the bank only released XXXX  which made me have late fees. When I complained to her that no one ever told me funds were going to held back because it was a check and besides it has already been two days. Someone else from USBank consumer complaints made a similar tale but said because the bank was holding the rest of the XXXX, I wouldn't necessarily owe them XXXX. Only if other transactions come in. I told her this was unfair and it looks like you are trying to extort money that was available in my account to give to US Bank because you want to. At no time was there an offer to make things right. The check has cleared their bank. There was no reason for them to do this to me. Oh by the way it is XXXX XX/XX/19 of this writing. US Bank has given me a deposit slip that says my deposit was for XX/XX/19 XXXX XXXX. How could this happen?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX card was never reported to credit bureas of any degoritory remarks on XXXX, XXXX, XX/XX/XXXX but on the attached proofs XXXX XXXX added a hidden charges and past due amount of {$29.00} from XXXX till XXXX which I never missed any payment. 

When I asked the XXXX manager over the phone what the {$29.00}, was meant for he could not respond but said it was bank fee and I pointed it out to him that it would have been on all my statements from XX/XX/XXXX till date then I asked him why Is past due fee narration in XXXX, XXXX and XX/XX/XXXX. Because their past due fee is {$40.00} not {$29.00}. He dropped the call on me and later I found out my statements for XXXX till XX/XX/XXXX the deleted the {$29.00} and my balance never reduced but increased. But I have it downloaded in my file before the deleted not to have a trace to my unknown hidden charges. 
This was the hidden charges they were bringing forward every money and they reported degoritory remarks on my credit file. 

On XXXX XX/XX/XXXX I still went ahead and paid {$120.00} minimum payment the mailed to my address but they XXXX XXXX XXXX had refused to create the Statement of which they do balance brought forward of the hidden charges and put the XXXX degoritory remarks. These evidence would help the credit bureaus in their long awated investigation result being I can not file it online on their websites as they are investigating and blocked my access to uploading supporting evidences. XXXX reported to equifax that my past due was {$72.00} and to XXXX as {$2.00} and my credit report mailed to my address by equifax in XXXX XX/XX/XXXX with confirmation number XXXX .stated my past due was $ XXXXi paid above the minimum they credit bureas have on my credit file. 

XXXX XXXX XXXX report to credit bureas does not show my actual payment amount I paid it month it is always blank .their minimum payment are less on credit reports but high on the copy they mail to me
Product: Credit reporting or other personal consumer reports

XXXX and Self inc are obligated by the FCRA to abide by laws set forth to them. I as a consumer have advised of collections that are FRAUD. Said companies had 4 days according to LAW stated in my letter attached to remove such items. An FTC fraud report was filed on my behalf as a consumer. The credit reporting agencies also forwarded this information to the corporations listed. I as a consumer am now requesting XXXX and Self inc to provide the documentation to determine any of the listed items were indeed authorized by, I, the consumer with written instruction per 15 usc 1681. I am also protected by the Privacy act of 1974.I am reporting that this is not only fraudulant but that i also DO NOT give written, unwritten, verbal or non-verbal permission for these accounts to report on my credit file. XXXX does not apply here so do not even come with that rebuttle. XXXX and Self inc have 15 days to provide me with the name of the person they spoke with, document used, signed application with consumer wet-ink signature, securities accounting documents, CUSIP number, and the original contract, and qualified written request. If said corporations do not have documentation to show these were in fact authorized and accurate it must be removed immediately. Said companies are not only violating FCRA laws, CFR laws, but also the Privacy act of 1974. Said Companies are Liable under the SEC to follow certain rules. XXXX XXXX File Number of depositor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NEW YORK XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  New York XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX NEW YORK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX I will be filing form 211 Treasury OMB forms to audit consumers account as well as a 3949A.
Product: Credit reporting

Equifax has my payment history wrong! This is making an impact on my score. They list me as paying 92 % of the time. The reason they say is because I have XXXX closed accounts for various reason, ( I.E. lost card, closed account ) all the accounts listed have XXXX balance but there is no payment history on the closed accounts, so Equifax has them listed as MISSED payments when in fact they are not. They give me a " VERY POOR '' payment history, this can prevent me from obtaining credit or force my interest rates higher. Their information is not the same as the other XXXX agencies that have it correct, NO MISSED PAYMENT 'S. My payment history is 100 % not 92 % as Equifax is telling prospective creditors!. They are perpetrating a lie and actually it is a slander to me personally. IF an agency can not verify a so called " fact '' it has to come off my report, not listed as a missed payments! I did not dispute with them because the credit agencies would rather help the creditors because they pay to report. They ( agencies ) do not make money from the consumer, hence the charges for a personal score or credit monitoring by the individual consumer.
Product: Vehicle loan or lease

Chase Auto was paid in Full for a lease that was turned into a loan and then charged off despite active military obligations and COVID. We were just contacted by the bank that they haven't even cashed the check sent to them to clear the balance and show paid instead of charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my report on XXXX XXXX and on my XXXX report it states that an inquiry was made from SYNCB-National credit card/airlines. Ive never authorized an inquiry from these people nor do I even know who they are. Ive attempted to contact them but they have no records of my info in their accounts. I need help removing this from my credit history, social etc. Can someone help assist me with how to take care of this?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sent me an email that my credit score changed because there was a Hard Inquiry on XX/XX/21 from Navy FCU. I have never heard Navy FCU prior to this inquiry. 

I contacted XXXX, they said to contact Navy FCU and gave me the phone number XXXX, I called them and they said they didn't have me as a client and did not do an inquiry on me. 

I again contacted XXXX, they stated the definately received an inquiry from Navy FCU. They said i needed to contact FTC.
Product: Prepaid card

bought a card had no funds in them filed a complaint and creaded a fraud dispute case with them so i could hopefully get my money back waited weeks and case was approved in my favor but a few days later go a email stating my case was denied and i would not get my money back wthout further explenation. 

case number # XXXX card number # XXXX
Product: Money transfer, virtual currency, or money service

I was charged multiple times by XXXX XXXX due to an automated system error. I did not authorize these transactions, and I have attempted to resolve this issue directly with the merchant. Despite my efforts, the merchant has failed to provide a satisfactory resolution or refund. When I first contacted the cash app customer service, I was advised to wait 45 business days for a refund of apex funding. I complied with their instructions, but no refund was issued within the expected time frame. When I tried to dispute the charges after that waiting period, I was informed by Cash App that I could not dispute the transactions because they had passed the 60-day window, which contradicts the advice given by the cash app support which advise me to wait knowing the fact there is 60 day window dispute and without informed me about those policy, which is unfair, I could dispute my transaction and wouldn't never be in that situation Despite repeated attempts to address this matter, I was told that I should dispute the charges through my bank. I am now requesting that cash app investigate these charges and initiate a dispute so apex funding process recover the funds. the case number is XXXX