23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$450.00} ; XXXX XXXX  XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Spring oaks capital keeps calling me and hanging up on me several times a day. I've asked them to provide me documentation to prove that that's mine and still it's been about 3-4 months now and it's not off my credit report and it's still on my credit report and it's I've never received any documentation that I've asked him to provide for me and they keep calling me and just hanging up.
Product: Debt collection

On XX/XX/2022 & XX/XX/2022 I was notified by all three XXXX that MIDLAND FUNDING LLC XXXX had increased the balance of the account XXXX times from {$6600.00} to {$6700.00} without reason. This is an old collection account and should not have any further balance. I have attached screenshots from my credit monitoring service.
Product: Debt collection

Ive already been in communication with XXXX XXXX XXXX  who stated they are unable to send me in writing the debt will be removed from my credit once payment is made and they said they cant provide this. 
I want to accept this offer to pay the amount offered the due date to pay is XX/XX/2021
Product: Credit card

I filed a dispute on some fraudulent charges on my credit card totaling up to {$3700.00}. I opened the dispute on XX/XX/year> they said they would call me within 10 days. I have not received any calls, and I have contacted them over 10 times asking for an update. It looks like they don't want to work on my dispute.
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 NumberXXXX has violated my rights. Or a list of inquiries : 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: Payday loan, title loan, or personal loan

I have a personal loan account with OneMain Financial Co. I had an automatic draft on my bank account for {$220.00}. due on XX/XX/XXXX. On XX/XX/XXXX, I called the branch manager to move the date to XX/XX/XXXX, since I receive XXXX on the XX/XX/XXXX Wednesday of month. The branch manager billed me that day XX/XX/XXXX, which over drafted my account and caused a domino effect of over draft charges. On XX/XX/XXXX, I made an office visit to address my issues on my account. The company gave me a {$36.00}. refund check for the over draft fee and meanwhile offered me additional money. I accepted an additional {$1500.00}. loan to address additional over draft charges that I might occur. I was told that they would refund my {$220.00}, and I wouldn't have to make a payment until XX/XX/XXXX, the new amount would be {$240.00}. mo.. I asked for my pay dates to occur on the XX/XX/XXXX Wednesday of the month ; I was charged {$34.00}. extra for the first payment {$270.00}. due on XX/XX/XXXX, which I paid {$270.00}, on XX/XX/XXXX. Over a week later, I received a {$220.00} refund check. On XXXX XXXX, I received a statement for {$500.00}, due on XX/XX/XXXX. stating that I was in the arrears and they wanted the {$220.00}. returned. Also, with them giving a check for {$36.00}. over draft because of their mistake ; they charged me {$34.00}. for an additional 10 days ; so they only refunded to {$2.00} for over draft. I received several phone calls demanding return of the {$220.00} ; and there was no 10 day grace period allowed for the initial payment. I am current on my {$240.00}. payments and do not feel that I should return the {$220.00}. when it was not even due until XX/XX/XXXX. The company made a mistake in their transactions and they want to hold me liable for it.
Product: Checking or savings account

A compant called Koalafi, charged lease fund from my XXXX XXXX XXXXXXXX checking account on XX/XX/2024 amount of {$120.00}. 

I never authorized this transaction and I immediately called my bank and stop making payment to Koalafi. 

Few days later I got email from Koalafi as below ; ( My name is not " XXXX XXXX '' but how she access my personal checking account ) I called XXXX but they can't stop collecting money from my account because they don't know of my information. 

She use my email address and checking account information, enhance my money for pay her lease fee. 


Dear XXXX XXXX, Your {$120.00} payment dated XX/XX/2024 was declined. To view your account, please visit our customer portal at https : //customer.koalafi.com/ To ensure future payments are successful, please verify that your payment methods are correct and have sufficient funds to cover the amount due. If you wish to confirm or change your payment methods, you can reach out to our customer support team at ( XXXX ) XXXX. 

Sincerely, Koalafi XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX  XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Debt collection

I sent a letter to XXXX XXXX XXXX XXXX explaining that I do not owe them {$610.00}. Te company misrepresented the amount that would be due monthly. The charges are excessive, inflated and I have returned all of their equipment. I contacted XXXX XXXX XXXX XXXX on numerous occassions to complain that my bill was not the same rate month to month. Sometimes, I would get credited after speaking with a representative. I do not owe XXXX XXXX XXXX XXXX any money. I have been a loyal customer to XXXX XXXX XXXX for nearly a decade ( phone service ). I am really upset with how they run business in relation to the cable network. 
I do n't owe them anything.
Product: Mortgage

On XX/XX/XXXX my husband and I took out a 2nd mortgage on our house with XXXX XXXX XXXX, loan # XXXX/Min # XXXX. We made some payments but we soon fell behind and was not able to make our payments any longer back in XX/XX/XXXX. The mortgage company stop sending us paperwork and being that we are older we did not worry about it because it showed on our credit report that it was charged off by the mortgage company. We just recently looked up the Min # XXXX on line to figure out what happened to this loan and found out CitiMortgage, XXXX. is the servicer. We have called CitiMortgage countless times in the last month to get information on our loan but every time we get a person on the line they can NOT find any information on our loan and they are NOT trying to help us in any way.
Product: Debt collection

I recieved a text wanted me to set up payments for an XXXX XXXXXXXX. I have never had an XXXX XXXXXXXX nor does it show up on my Credit Report. Is this a fishing text? 

This message is from Spring Oaks Capital , LLC. 

We have alternative payment options to help you pay off the debt on your account. Pay off the balance of your account with payments of {$38.00} per month for 19 months. 

To set up a payment plan, visit XXXX. You can also reply to this text or call XXXX to get in contact with one of our friendly representatives. We have agents ready to respond during normal business hours. 

This message is regarding your XXXX XXXXXXXX account originated by XXXXXXXX XXXX, which is now owned by Spring Oaks Capital SPV , LLC. We have a number of payment options available that are just a few taps away. Make your payments more manageable by finding a plan that works for your situation. 

We are a debt collector. Click here for important disclosures XXXX XXXX XXXX Reply STOP to opt out.on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested from Equifax, XXXX XXXX XXXX XXXX XXXX to verify with method of verification of an collection account on my credit report from " XXXX XXXX XXXX XXXX XXXX XXXX with letters dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. As to this date I have not received from Equifax, XXXX XXXX XXXX XXXX XXXX any proof that this account is correct, I just receive back a letter stating that the account was verified with no proof. I have attached the letters sent to Equifax, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX Balance : - XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX
Product: Checking or savings account

On XXXX XXXX XXXX, I attempted to withdraw money from my checking account at an ATM while I was out of town on vacation. The ATM rejected the transaction due to " Invalid PIN. '' I was concerned by this as I had not changed my PIN, and I was, as I still am, sure that it was being used correctly. I quickly looked into my banking records and did not see any suspicious activity or anything else to make me feel concern about the account status. <P/>I called Wells Fargo phone banking. As part of the identification process, the PIN is required. I was again notified of an invalid PIN. I spoke with a banker to inquire as to when my PIN was last changed or any other information that might help resolve the situation. This information was not available and the phone representative was unable to do anything to help me gain access to my accounts thru an ATM other than requesting a new PIN be mailed to my home address. This was not a timely solution. As a result of my inability to access my funds at an ATM, I used a cash advance service, which charged fees in excess of what I would have paid at an ATM, so I could access my funds in a timely manner. <P/>Once I returned to my home, I visited the my branch location on XXXX XXXX XXXX. I first visited the branch ATM where I was able to access my accounts and make a withdrawal with no issues using the same PIN as the day before. I then spoke to a banker about my concerns and what had happened. She asked me to swipe my ATM card at her station ( desk ) and validate my PIN ; her system notified that an invalid PIN had been entered. ( Please note that the same PIN has been used in all instances referenced here. ) After a number of conversations with different people in the branch and on the phone, the representative and Wells Fargo were thoroughly confused as to what had happened and why my PIN would be accepted in one instance but not another. The best they could tell me is that is was some kind of system glitch occurring and that I would need to reprogram my PIN in order to correct it for future use. <P/>I requested that the excessive fees that I was charged as a result of not being able to access my account at an ATM be refunded as these charges were a result of Wells Fargo " system glitches '' and would not have been incurred had I been able to access my accounts without issue. The total fees incurred as a result of these glitches is {$88.00}. <P/>The branch manager on duty ( XXXX XXXX ) refused to reimburse for these charged fees. In doing so, he cited that the fees originated at a casino and although the Wells Fargo system did not work as it should have, he was unwilling to assist because of what the funds were likely to be used to do based on the location of the withdrawal.
Product: Mortgage

Oh man, avoid Essex mortgage at all cost. Not also so they just pay " bills '' that you don't owe like the irrigation company because you don't have sprinklers. There goes {$650.00} out of my escrow account that I didn't approve or owe, now my monthly payments are up about {$150.00} because of this. On top of this, their system ABSOLUTELY REFUSES to accept my monthly payments now and I have XXXX. XXXX tells my Essex is the one who's kicking back the payment. Essex swears up and down there's a stop payment then swears up and down it's due to insufficient funds while there's {$4200.00} sitting in that account and only {$2400.00} is due. THE BIGGEST JOKE is trying to contact ANYONE. The only way I've found is a face to face video call that has to be scheduled 2 days in advance. Makes getting anything done extremely difficult. On top of this your told stuff is taken care of and is not. Multiple times told my payment will be processed without the last fee that's forced on me because they won't accept my payment so now can't use portal to pay because I don't just bend over and it's most likely to not even work. Also completely forget about trying to just call then. No one ever answers, never get a call back and the automated system is complete garbage and most the time you don't even get a ring to even talk to anyone. It just goes ok let 's connect. Beep please answer this survey for your call, then hangs up without a survey.
Product: Payday loan, title loan, personal loan, or advance loan

A loan was taken out XX/XX/year> with XXXX XXXX ( XXXX ) for {$3700.00} during a moment of emergency. To date the balance is {$3400.00} after making bi weekly payments of {$210.00} totally {$3600.00} in interest payments with no end in sight. This is predatory lending at its finest. I am requesting a reasonable payoff.
Product: Vehicle loan or lease

Current account with Flagship still open this account should be close already.
Product: Debt collection

XX/XX/2023 XXXX called my family explaining to them the debt I owe, they also added that they were a supervisor and if my family provided my name and dob to them that they can give them any information about my debt. They also have been calling OVER AND OVER more than once MULTIPLE times a day. My mother got a call OVER 15 TIMES and she even got yelled at by the debt collector.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX : Account XXXX ( XXXX ) XXXX. XXXX XXXX : Account Number ( XXXX ) XXXX. XXXX XXXX : Account Number ( XXXX ) XXXX. XXXX : Account Number ( XXXX ) XXXX. XXXX  : Account Number ( XXXX ) XXXX. 
As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i XXXX request an extension of the block. During the block, you XXXX not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Summary of Request for Deletion of Accounts Nos. XXXX and XXXX and Compensation for Violations I am requesting the immediate deletion of accounts XXXX and XXXX from my credit reports due to violations of several federal laws, including the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), Gramm-Leach-Bliley Act ( GLBA ), and the Privacy Act of 1974. These violations have caused significant harm, and I am seeking compensation for the damages incurred. Specifically : XXXX. Insufficient Debt Validation : The debt collector has failed to provide the necessary documentation as required under the FDCPA, including original signed contracts. This failure to validate the debt appropriately has caused significant stress and harm to my credit.

2. FCRA Violations and Willful Non-Compliance : Reporting time-barred debts and failing to correct inaccuracies as required under the FCRA constitutes willful non-compliance, which could lead to statutory damages for each instance of non-compliance.

3. Breach of Privacy Protections : The continued reporting of my personal information despite my opt-out request under the GLBA and Privacy Act is a breach of my privacy rights, further damaging my financial standing.

4. FTC Compliance : Non-compliance with FTC regulations governing accurate reporting and consumer privacy exposes the debt collector to regulatory scrutiny and potential penalties.
Product: Credit reporting or other personal consumer reports

I contacted XXXX cred card companies, XXXX  XXXX and Barclays Bank. I informed them they are fraud, and this is identity theft as I never applied for these cards. They were supposed to close these cards and report them. I checked my credit report, and they are still open. I contacted XXXX to report the fraud, and they did an investigation but said everything is accurate. It is NOT! I never applied for these cards, and I never received these cards. They have been used and are not being paid. This is negatively affecting my credit.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX, XXXX XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( XXXX XXXX XXXX XXXX XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX XXXX ) the financial institution and the Consumer reporting agencies XXXX XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX XXXX XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Mortgage

I was unemployed during the pandemic XX/XX/2020. The mortgage company Mr. Cooper offered pandemic relief. The mortgage payments were to be paused 18 months. The amount was to be paid after I found work. My mortgage with escrow was around {$1200.00} per month. Over 19 months I was to repay the amount at the end of loan. Roughly {$24000.00}. Last week I received a letter to be notified & repay over {$34000.00}. I spoke to a manager who can not give me a reason of the {$9500.00} extra for Mr. Cooper.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Inquiries were made on my behalf without my permission. Ive submitted this information to all card companies. There are multiple inquiries from the same companies. Companies are XXXX, XXXX XXXX XXXX, XXXX, EXPERIAN XXXX XXXX