23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX and Equifax credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 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 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: Credit reporting or other personal consumer reports

I have included below the Hard Inquiries I do not recognize done by me. 

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
Product: Vehicle loan or lease

On XX/XX/XXXX, I called ally auto to make my payment for my vehicle. After rep answered and verified info I was told to hold for XXXX. XXXX stated I could only pay by XXXX XXXX When asked why they asked was my vehicle in my yard still. After saying yes they stated it was up for repossession. After being on hold again the repo man took my vehicle. I had asked for assistance mid XXXX when I had stopped working for medical reasons. I was granted a XXXX or XXXX mth forbearance. After which they kept threatening repossession. I began to make payments. I missed XXXX payments in XXXX year. While making my XX/XX/XXXX payment for XXXX I asked the rep could the missed payments be put to the back of the loan to bring my account current since I was back in track. Needless to say it resulted in an argument. I missed the XX/XX/XXXX payment. From XX/XX/XXXX to XX/XX/XXXX that was the only payment I missed that I can recall. Ally records reflected payment past due. They posted the payments to the past month and the account always looked past due. I made a payment every month from XXXX to XXXX. Even asked for a payment date change since I was depending on my children XXXX money. I feel that if they was going to repossess the car why didn't they take it in XXXX. They let me make consecutive payments every month with the intentions of repossessioning it. Now because it was wrecked in XXXX which insurance fixed over {$6000.00}, in damages, they want me to pay the difference after it was sold. I could have the car and be making payments still. They set me up on the phone because I was on the call for XXXX minutes trying to make the payment and they kept putting me on hold until the driver had the car in his possession. I suffer from anxiety and the calling every day even with arrangements on file was overwhelming. I requested the reach me via mail. I feel the repo was retaliation for that request.
Product: Debt collection

Resurgent Receivables LLC elicited a company by the name of XXXX XXXX XXXX XXXX to attempt to collect a debt from me that I do not owe them. 

XXXX XXXX XXXX sent correspondence to me dated XX/XX/2022 that I received in the mail today XX/XX/2022. The correspondence states that Resurgent Receivables LLC is the creditor of the account. And that I owe them money. This is false, misleading, and deceptive statement. I do not and have not ever entered into a credit contract with Resurgent Receivables LLC for any debts. 

They are not the original credit of the debt they are attempting to collect, and the laws are very clear about Collection Agencies dealing in false, misleading and deceptive practices. 

In addition to their false claims about being the alleged creditor, they sent XXXX XXXX XXXX after me to collect on their behalf. 

To add insult to injury, XXXX XXXX XXXX is in violation of North Carolina General Statute 58-70-01 which prohibits them from practicing debt collection in North Carolina without filing a surety bond with the North Carolina XXXX of XXXX 's office. In addition to their violation of NC General Statute 58-70-01, they are also in violation of North Carolina General Statute 58-70-50 which requires them to place their permit number showing that they have a registered surety bond on file on any correspondence they send me. 

XXXX XXXX XXXX 's correspondence dated XX/XX/2022 has no such permit number on it. Under North Carolina law " a person, firm, corporation or association conducting or operating a collection agency without the permit shall be guilty of a class I felony ''. 

I am DEMANDING that Resurgent Receivables LLC delete their inaccurate, un-validated collections from all consumer reporting agencies under my social security number. I am also requesting that they cancel the alleged debts, and cease from selling the debts due to their violation of Federal law that states that " debt collectors are prohibited under federal law from using any false, deceptive, or misleading misrepresentation in collecting a debt '' which they have clearly done. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from their company or any company that they represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA. 

If they do not delete the negative tradelines they are reporting under my social security number, I will be seeking all legal remedies afforded to me by law and will have to appear in a venue local to me to defend themselves.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft. Because of that I have a collection account on my Experian credit report. I contacted Experian, provided all the information they asked me for, including a police report, and they are refusing to remove the collection account. I've also reached out to the original creditor as well as the collection company and neither will help me.
Product: Credit card

I have a Discover credit card where I want to pay the full balance each month on the due date to avoid any interest charges. In order to not forget to make a payment, I want to set up a reoccurring draft on the due date. Discover only provides options to pay the minimum amount due or " other amount '' on the due date. If you want to pay the full balance amount, you have to draft the payment 10 days before the closing date which is 10 days earlier than the statement due date. If I want to change the draft date to correspond to the statement due date, I have to wait 90 days and then call a representative to have them change it. If they can change it in 90 days, why ca n't it be an option upon enrollment? All my other creditor or service companies allow me to set up reoccurring drafts on the actual due date. The date of the draft also varies from month to month which is very hard to budget. It seems like Discover is trying to increase the potential to earn NSF fees and late charges. By not allowing reoccurring drafts for the full amount on the due date, people are likely to incur NSF charges if they do n't know when the draft will occur or could potentially forget to schedule a one-time draft on the due date incurring late charges. It should be the customer 's right to set up a reoccurring payment in full on the contractual due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : 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 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposeI have previously requested the credit bureaus there are constant inconsistencies in my credit reports, date opened, last reported, date last active, date of last payment, & payment history. I've tried multiple times to handle this with no success. They did not properly verify report and there are multiple inconsistencies XXXX XXXX XXXX XX/XX/1989
Product: Vehicle loan or lease

I made a lease payment a day before we ended up trading my lease in, I was not able to cancel my payment through my bill pay on my banking app and the payment was processed {$280.00} but was never returned to me, that was XXXX of 2019. Shortly after turning in my lease a received a bill for a entire year of property tax, which 1 only owned the vehicle for 1 month and a 1 day, I phoned Kia and spoke to them and told them that I would pay the pro-rated amount. They were not satisfied with that and wanted me to pay the full amount and they would reimburse me the balance, I told them that I could not trust them to reimburse me as I was still waiting for them to reimburse me my last payment. I asked to speak to a supervisor, was put on hold for quite some time, they came back and told me that a supervisor would call me back, I never received a call back. A month or so later, I received a bill in the same amount as the property tax but instead they were now calling it lease end charges. I do not agree with any of this. I was more than happy to pay my portion of the property tax, and I want my {$280.00} payment returned as it should of been. They have now reported to the credit agencies that my account is delinquent and has brought my score down, which is making it very difficult for me to obtain another lease at this point in time. i need these items removed from my credit report, i was never late on 1 payment ever and this is not right how they are handling this. I have an attorney who has written to them with no avail on three different occasions to try to resolve this. My credit score has dropped dramatically, and for me to obtain a lease now is almost impossible. I have lease from Kia previously and i was never ever late on any of my payments and i don't feel that it is right that they can do this to people over their mistakes and keep money that does not belong to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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 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 an 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 or 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, credit repair services, or other personal consumer reports

XXXX XXXX sent me an email that it looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please remove these items from my report. 

XXXX  XXXX {$7000.00} XXXX XXXX {$26000.00} XXXX XXXX {$22000.00} XXXX XXXX {$200.00}
Product: Debt collection

I'm reaching out today to report that I've been a victim of identity theft. Please consider this letter as a formal dispute concerning the following accounts. I've already reached out directly to all the involved companies and followed the prescribed steps to address this issue. I've also filed an identity theft report with the FTC and have disputed the information with each company. I kindly request your assistance in resolving this matter. CREDIT MGMT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit bureau continues report late payments on my credit report from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXXl. I have wrote to them on many occasions to remove this inaccurate information. That is a fcra violation of usc 15 1681a ( 2 ) ( a ) ( i ) it clearly states except as provided the term consumer report ( which is my credit report ) does not include a report containing information solely as to transactions or experiences between the consumer ( which is me ) and the person making the report. So I want.these late payments to be removed immediately. I also need.to be compensated XXXX XXXX for this fcra violation tht they have clearly violated..
Product: Payday loan, title loan, or personal loan

I discovered that I had locked access when trying to accept an offer to make a payment and bring my account current. I paid by phone on XX/XX/XXXX and brought the account current while being told the payment would restore my access after the payment is processed within a few hours. It did not work. Through a half dozen calls since then, spending in total close to five hours on hold with the customer service advocates and origination departments over two weeks, I have been unable to restore access to my online account. I have no way of making a payment, validating the debt, modifying my payment source, or even tracking the progress of paying it down. This is a violation of my rights as a consumer and debtor and they need to correct it. What's worse is that their phone service does not allow anything related to online account technical support -- you're only given the option to refinance or pay your account. You can only speak to two departments. I was told I didn't qualify speaking with a supervisor based on my problem and no one seems to have any idea how to help me. Frankly without a validation of debt I don't see how they have any legal right to keep collecting from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX. Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX. Balance : - ; XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX .... Balance : - ; THXXXX XXXX XXXXXXXX .... XXXX : - ; XXXX XXXX XXXX XXXX .... Balance : {$6400.00} ; XXXX XXXX  Balance : {$0.00} ; XXXXXXXX XXXX  XXXX .... Balance : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00} ; XXXX XXXX .... Balance : {$4400.00} ; XXXX XXXX XXXX XXXX XXXXXXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXXXXXX XXXX XXXXXXXX : XXXX. XXXX, XXXX ; XXXX XXXX # XXXX XXXX : XXXX. XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I requested a background check and when I got it back, it says that I got my license XXXX  in XX/XX/2014 because of a XXXX, when I really got my license XXXX  for 30 days because I was doing 16 over the speed limit with a limited license. They XXXX  my account for this
Product: Money transfer, virtual currency, or money service

I mistakenly sent my claim settle to a old Venmo account. XX/XX/year> I was successfully able to access the account and show multiple proof that the account belongs to me and that proof the funds is mine as Drivers License, Me holding the drivers License, Proof of Phone Number, Proof showing the claim is mine and they still have not lift the suspension. They contacted me today regarding my phone number when the phone number was never the issue I already had to suffer from this accident and they are making me suffer more. 

I have called multiple times and every times its XXXX business days and nobody will give me any answers just the run around.
Product: Money transfer, virtual currency, or money service

A {XXXX} deposit was made on XXXX to a Bank of America branch in XXXX XXXX, CA to a checking account. The deposit was made via check. From this amount {XXXX} was withdrawn on XXXX at a Bank of America in XXXX, CA in the form of cash. Before the money was withdrawn I requested the teller to make sure the check which was deposited had cleared so the money could be used. The bank teller confirmed of the check having cleared. The {XXXX} was deposited in another bank. An hour after, I proceeded to make another withdrawal at Bank of America and my accounts were zeroed, because there was a stop payment placed on the {XXXX} check. I advised the other institution that Bank of America put a stop payment on the check, therefore, I demanded the {XXXX} to be returned to me. Bank of America over-drafted my account which is owned by my dad and I. Therefore, Bank of America is liable for releasing money on a customer 's good standing. For decades Bank of America has been advised to never release any money on any check if it has not cleared. Therefore, Bank of America is responsible to safe keep our deposits. Good standing of a customer will not stand on any withdrawal if a check has not cleared. The request has been made for many years and it has been ignored. There 's an overdraft of {XXXX} on one account, which Bank of America released on our good standing with the bank. That will not stand. I feel that none of my accounts are safe with Bank of America if that is their policy, and I was never advised of that. This is misleading to customers, when the good standing practice is used by the bank and money ends up in the account of somebody else.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my free credit report and found inaccurate information. I called all parties involved. I have mailed in handwritten letters within the past 60 days. I had no insurance with these ppl. Insurance and debts were cleared. I need this non verified account removed immediately. XXXX has deleted a lot of fraud off my account this week. THIS SHOULD BE REMOVED LIKE 10 OTHER ITEMS WERE REMOVED THIS WEEK IMMEDIATELY. Thanks XXXX for valuing my profile. Below is all the inaccurate information pertaining to this account. 



Account # XXXX Account Type Collection Agency/Attorney Creditor Type -- Account Rating Payment after charge off/collection Portfolio Type Collection Owner of Account Individual Original Creditor XXXX XXXX XXXXXXXX XXXX Amount Owed {$190.00} Past Due Amount {$0.00} Last Payment {$0.00} Last Payment Date N/A Original Balance {$0.00} Placed in Collections XXXXXXXX XXXX XXXX Last Verified Date XX/XX/ Paid off Date N/A Closed Date N/A Resolution -- Current Status Placed for collection Instant Action Action History XX/XX/XXXX XXXX  Update My Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Phone : ( XXXX ) XXXX
Product: Debt collection

We was referred by XXXX In Florida. We file with the attorney general already. XXXX fail to do a payment arrangement. They also fail for a settlement. We asked for a settlement due to my XXXX. We haven't received notification from your office. We want to settle the account with a payment plan monthly.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against XXXX, Equifax, and XXXX for maintaining inaccurate information on my credit reports. 

Summary of Events : Description of the Issue : My credit reports from XXXX, Equifax, and XXXX include these inaccurate accounts and personal info : XXXX Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Employer - XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Employer - XXXX Employer - XXXX XXXX  Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challengeXXXX 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  Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX XXXX Listed below are the Accounts that are being challenged 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 Listed below are the Inquiries that are being challenged XXXX XXXX XXXX - XXXXXXXX XXXX Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Employer - XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Employer XXXX XXXX XXXX - XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Initial Dispute XXXX On XX/XX/XXXX, I sent dispute letters to all three credit bureaus requesting the removal of those incorrect account. I provided evidence, including a letter from XXXXXXXX XXXX confirming that the account does not belong to me. 

Responses : Despite my disputes and the provided evidence, XXXX, Equifax, and XXXX have not removed the inaccurate account. Instead, XXXX sent me letters telling that my info did not appear that I sent it to them or a third party and I havent receive or hear anything from XXXX an Equifax. 

Credit Reports : Copies of my credit reports from XXXX, Equifax, and XXXX showing the inaccurate account. 
Dispute Letters : Copies of the dispute letters sent to each credit bureau. 
Evidence : A letter from XXXXXXXX XXXX confirming that the account does not belong to me. 
Correspondence : Copies of any responses received from the credit bureaus.
Product: Payday loan, title loan, personal loan, or advance loan

To whom it may concern, In XXXX, we planned to build an addition and were contacted by XXXX XXXX. We chose to work with a lender associated with the company and were guided into a no stage funding loan for {$260000.00}. Subsequently, we experienced a loss of {$200000.00} when the owner of XXXX XXXX declared bankruptcy. Since then, we have been involved with the Bankruptcy trustees, testified for the XXXX, and received a favorable ruling from XXXX. We are currently committed to this XXXX loan and require legal assistance to reach a settlement with the credit union XXXX