23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I canceled my gym membership over the phone with XXXX XXXX. When asked what bank I wanted the close out fees deducted from I provided my existing bank ( XXXX XXXX ). An employee working the counter at the gym took my bank account and routing number. She then charged an old bank on file ( XXXX XXXX XXXXXXXX ) that had been closed for 2 years for {$49.00} on on XX/XX/XXXX. In her defense they have very similar account numbers, but completely different routing and bank names. I then spoke with XXXX XXXX ( handles billing for XXXX XXXX ) who fully admitted fault in writing. I offered this admission in writing to XXXX XXXX, who told me they would contact me and let me know if they needed the information, but never took my evidence, and completed the case weeks later by sending me a letter saying no fraudulent activity was found ( after their own agents told me to open the fraud case in the first place ). To be clear, I never gave XXXX XXXXXXXX XXXX authorization to charge a XXXX XXXX account , in any dollar amount. XXXX XXXX  reopened my XXXX year old closed account and debited the amount, and then charged me overdraft fees and it was sent to collections before I ever knew what was going on. I am a Financial Advisor and it is very important that I do not have debt settlements or collections as it could effect my licenses. The money is a minor amount and not the issue for me. It's the principle that I provided correct, updated bank information, and a bank that I haven't used for anything and has been closed for over 2 years is extorting me for petty overdraft fees. This is bad business and absolutely fraud. 

Additional info : I updated my bank account information with XXXX XXXX on XX/XX/XXXX online, and took the time to be extra careful and read out the entire account number and routing number for XXXXXXXX XXXX to the representative at XXXX XXXX on XX/XX/XXXX.
Product: Credit reporting, credit repair services, 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 confidentially under 15USC 1681. 

XXXX XXXX  acct no. XXXX, XXXX XXXX  account no. XXXX, XXXX XXXXXXXX account no. XXXX, XXXX XXXX account no. XXXX, XXXX XXXX XXXX account no. XXXX, XXXXXXXX XXXX XXXX account no. XXXX, XXXX XXXX XXXX XXXX XXXX account no XXXX XXXX, XXXX XXXX XXXX XXXX account no. XXXX, XXXX XXXX  account no. XXXX, XXXX XXXX, XXXX XXXX XXXX account no . XXXX, XXXX XXXX account no. XXXX, XXXX XXXX XXXX account no. XXXX, XXXX XXXX XXXX account no. XXXX, XXXX XXXX XXXX account no. XXXX, XXXX XXXX account no. XXXX, XXXX XXXX account no. XXXX, XXXX XXXX XXXX account no XXXX, XXXX XXXX XXXX account no. XXXX, XXXX XXXX account no. XXXX, XXXX XXXX account no. XXXX, XXXX XXXXXXXX account no. XXXX, XXXX XXXX XXXX XXXX account no. XXXX, XXXXXXXX XXXX XXXXXXXX XXXX account no. XXXX, XXXX account no. XXXX, XXXX account no. XXXX, XXXX XXXX XXXX account no. XXXX, XXXX XXXX bankruptcy petition account no. XXXX, XXXX XXXX bankruptcy dismissed account no. XXXX. 



15 U.S.C.1681 Section 602 A. States I have a 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 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 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

Obtained a car loan wi th Credit Acceptance Corp  in  XXXX   XXXX . Was involved in a motor vehicle accident in  XXXX   XXXX . Car was totaled. Credit acceptance Corp received check fro m Insurance Company (   XXXX   ).  A few moths later they sent a letter requiring me to pay additional balance ( around {$2500.00}  ). I s aid I would as long as they returned car to me since they had car and also the insurance pay off. They refused to do so. Finally ion  XXXX   XXXX  I gave up and agreed to a settlement. Paid {$1600.00}.  Credit Acceptance  was still reporting me to credit agencies  XXXX   XXXX . I want the late payments removed from my credit reports since it was settled and the reason I was not paying was because I was disputing.
Product: Bank account or service

On XXXX/XXXX/16 Someone deposited a check in the amount of {$1900.00}. On XXXX/XXXX/16 deposited a check in the amount of {$1500.00} in my checking account and then tried to take the money out on XXXX/XXXX/16 and XXXX/XXXX/16. I was not aware of this until I tried to log into my Chase account to pay some bills and I got a message to call JPMorgan Security. That 's when I was told what had occurred.
Product: Debt collection

Enhanced Recovery XXXX does not have the licenses to collect on a debt in the State of Texas. 

XXXX Date : XX/XX/XXXX-XX/XX/XXXX-2014 Amount {$330.00} Tried to call multiple times with no response
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX {$3600.00} XXXX XXXX XX/XX/XXXX {$200.00} XXXX XXXX XX/XX/XXXX {$2500.00} XXXX XXXX  XXXX XX/XX/XXXX {$2300.00} XXXX XXXXXXXX XX/XX/XXXX {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

It is against the law to report transactions or experiences between the consumer and the person making the report. The term " person '' is XXXX XXXX the corporation and the " consumer '' is me. You have violated my rights according to 15 U.S. Code 6802 and 15 U.S. Code 1681a ( 2 ). The illegal late payments and inaccurate information that you are reporting concerning me are harming me personally, emotionally, and financially, and causing me damage. Please see attached, document with proof of inaccurate information on my consumer report. I request that you promptly delete all late payments and inaccurate accounts and send me an updated copy of my credit report within 30 days of your request that you fully comply with the law in my request. Should you fail to make the requested deletions, I request that you provide me with your permissible purpose for reporting each account on file in writing and copies of the written instructions of the consumer ( me ). I request that you provide me with the name and address of the person ( s ) that you contacted to allegedly verify the information that I have rightfully disputed. Per the FCRA, as a Federally Protected Consumer, I am now opting out of ANY and ALL authorization I the consumer may have given you written, unwritten, verbal, and non-verbal per 15 USC 6802.
Product: Credit card or prepaid card

On XXXX XXXX, 2017 I was contacted by phone by someone who claimed to be my grandson. This person said that he was under arrest and the Police would be willing to set bail, but I needed to get the money to the Police as soon as possible. I was told that I could n't tell anyone about this, including my husband, as there was a " gag order '' on the arrest. I then received instructions to send the bail money by gift cards, and over the course of 2 days, I purchased a total of {$5500.00} in gift cards from XXXX XXXX, XXXX, and XXXX XXXX. 

I received a second call and was instructed to give the gift card numbers to a XXXX XXXX, for my grandson 's release. After I complied, I contacted my grandson, and he told me that he was not under arrest, and it was not he who called me. I then contacted the Police Department in my town, and made a Police report. While the Police were making the report, they confirmed the phone number I was called from, was from XXXX, and was involved in fraudulent activity.
Product: Student loan

I receive phone calls every 2-3 hours from Mohela loan servicing. at least 15=20 per week. Then they change the number so it appears they are calling from a different location. When I call them out for harassment, they claim its not against the law for them to do what they are doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was able to review my credit report with Transunion. I noticed some UNAUTHORIZED inquiries on my credit report that I did consent to. 

XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX have never applied for anyone of these cards in particular on either one of these dates. I tried calling Transunion on three different occasions and clearly explained to them that I have been a victim of identity theft in the past. I spoke with their fraud dept but to no avail would they remove these fraudulent inquiries.
Product: Credit card or prepaid card

On XX/XX/2021 I received an email from XXXX stating I placed an order for Baby Formula and shortly there after I received another email saying my order was added to for air pods. Both purchases were made in XXXX Tx. I live in XXXX Tx and have never been to XXXX. I did not place these orders so I contacted my credit card company which is Chase letting them know I did not place these orders and that they are fraud. Chase said they will issue me a new card number and that I would not be responsible for fraudulent charges. On XX/XX/XXXX I saw the charges were back on my account and I received a letter from Chase saying I am responsible. I called and spoke with someone and they said they would look into it. I did not get their name. I called back on XX/XX/XXXX and spoke to XXXX from Illinois and he said he would submit it for further review. He also said I would hear from someone within 3-5 days. I still hadn't heard from someone as of today, XX/XX/XXXX, so I called and spoke with XXXX XXXX I'm not sure if I got his name correctly ) and he said it can take 1 to 2 billing cycles for resolution. I am very upset with this situation. I am a person with a credit score of over XXXX and I pay my bills always and in full. I am wanting a resolution and I want to not be responsible for charges I did NOT make. I will attach all documentation that I have. 

Thank You, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX {$1500.00}XX/XX/XXXX {$20000.00} XX/XX/XXXX {$5900.00} XX/XX/XXXX, {$1300.00} im requesting to have all negative items removed due to fraud activity. i am a victim of identy theft. i have submitted all requested. documents and all reports such as FTC reports and also police reports to each credit reporting agency and i still get no response my rights are being violated and this issues needs to be fixed and removed off my credit report immediately. I have contacted credit agency several times and they keep telling me that all the items meet the requirements to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$18000.00} ; XXXX XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

PLEASE UPDATE MY PERSONAL INFORMATION I ATTACH THE DOCUMENTS NEEDED, AND BEGGING YOU TO UPDATE IT ASAP.
Product: Debt collection

Upon checking my credit report, all 3 major bureaus Hunter Warfield is listed in collections. I have never had any accounts or dealing with this company. I did not sign any contracts with this company. I requested that they validate the account in which they are attempting to collect the debt and they have not done so. I requested this on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I received a copy of a lease for XXXX/XXXX/XXXX that expired XXXX/XXXX/XXXX. I am being billed for rent in which I did not reside at the location/residence. This company states that I owe them and they are demanding that I pay this amount. They are insisting that this is my debt. However, it is not. They refuse to remove this information off my credit report, as it is wrong. Each month this company reports to the three credit bureaus raising the alleged amount of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote the company XX/XX/XXXX and it was received XX/XX/XXXX ( per company. ) The written notice to the company was an unauthorized credit inquiry which had my name and address along with my signature. I provided the information on my first original notice. However they responded back with request of the same information that was already stated in the first written notice.
Product: Bank account or service

# XXXX - XXXX 1. I took email, code to regions local bank 2. I did XXXX ATM DEBTs 3. A direct deposit more than {$500.00} was done Its say very clear, regions bank gives {$300.00} bonus, the major problem is were is the {$300.00}? 

4. Is it fake? 
5. Is it good for all bank customers? 
6. Does a bank have the right to have false claims?
Product: Credit card

BestBuy offered me City Bank credit card i agreed and was approved. I received card and try to activate but it was impossible because they can not identify phone number as mine. So i can not close account or activate card because of their problem with identification of my phone number. I have all necessary documents, XXXX, ID, and phone number contract is on my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian once again has went over 60 days of their investigation. two investigation case number XXXX and XXXX both times it was not completed. my complaint date was XX/XX/2023 they responded XX/XX/2023 these accounts should be deleted XXXX XXXX XXXX acct XXXX, XXXX acct # XXXX, XXXX addresses
Product: Credit card or prepaid card

For the last two and half years i have expressed to bank of America that during the times they suspended or block my card between XX/XX/XXXX - XX/XX/XXXX that money was missing from my account during the blocks on the card. Bank of America has confirmed my card was block on these dates to verify my identity on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX i was instructed to go into a bank America branch to verify my identity in person and to process a claim for the missing money that is missing during the block of the card. Bank of America has continued to go through transaction on my statement in stead of searching for the missing money during the block of the card. 
i have expressed to bank of America during the call on XX/XX/XXXX that XXXX XXXX is a good starting point for an investigation as i did not nor have i ever had an account with such company nor paid for ant of their services. Once again money went missing from the account during suspension/blocking of the debit card. Bank of America continue to have me on hold for hours and i was at the bank for 3 hours processing claim for missing money during block of the card. all reps have stated claim takes up to 90 days and receive letter. had to use bank america phone in branch only to process claim on XX/XX/XXXX On previous claims in XXXX XXXX XXXX i was issued partial payment for the claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct/repair the accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was supposed to get rewards of XXXX under a special offer for XXXX XXXX XXXX. But I received only XXXX points upon fulfillment of offer conditions. Spoke to a rep a week ago, was told it would be fixed, but nothing happened. The bank rep told others were affected with the same issue. They asked me to mail the offer rather than searching what was presented to me on XXXX.2020.
Product: Credit reporting

FILED Chapter XXXX bankruptcy in XXXX. The Chapter XXXX plan was NOT CONFIRMED and was DISMISSED by order ( attached hereto ) of the Bankruptcy court in XXXX. Nevertheless, Experian Credit reporting agency continues to report only the Bankruptcy filing and the dismissal. It does not report the fact that there was NOT a confirmation of the bankruptcy filing as based on the Order of the Court. The Experian Report is incomplete and therefore inaccurate.
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate reporting of an XXXX account by the credit bureaus. Despite re-investigations, the bureaus continue to verify the account as accurate, even thought it was transferred and sold to a collection agency. The last updates were reported as follow : XXXX and XXXX XX/XX/year>, and Equifax on XX/XX/year>. I believe this reporting does not comply with the Fair Credit Reporting Act ( FCRA ).
Product: Student loan

1. I originated a XXXX XXXX with Sallie Mae ( now Navient ) on XX/XX/XXXX in the amount of {$30000.00}. 
I finally was able to pay off this loan with a balance of {$30000.00} or {$170.00} less than the original loan amount, after making payments for 15 years!!! I tried to understand how my payments were being applied but I could not make any sense out of their explanations! My conclusion - this company is a thief!! 

2. My payoff amount sent to Navient was {$30000.00} or an over payment of {$180.00}. In a telephone conversation with Navient on XX/XX/XXXX, I was told this amount would be refunded to my checking account before XX/XX/XXXX. Today, XX/XX/XXXX, I do not have the refund. I called Navient today and was told the refund would be processed in 5-6 days. I do not believe they have any plans to refund this amount! This is more of the same style of service I have received over the life of this loan! 

It is my opinion that this company is taking advantage of student loan borrowers and is acting in usurious practices and should be charged, at a minimum, with acting in violation of Fair Business Practices. 

If I follow the payment schedule provided by Navient this loan would never be repaid!!
Product: Credit reporting or other personal consumer reports

Please be advised that XXXX and TransUnion keep on violating 15 U.S.C. 1681. they are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of their re-investigation, they stated that it was verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? They do not provide me with the name of that individual, their business address, and telephone number. they are also reporting that this account is an individual account and as per the creditor this account is for a business. I am not a business and therefore this is identity theft.
Product: Debt collection

I filed a dispute with this company, asking to verify information about the debt, because the original creditor shows that the balance is XXXX and no debt is owed. The dispute came back and nothing was changed, although they did not verify it was my debt. I recall that being mandatory, as that was the whole reason for the dispute in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. 

They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : List of accounts to be deleted Account Name : XXXX Account Number : XXXX Account Name : ( Original Creditor : ) Account Number : XXXX Account Name : ( Original Creditor : ) Account Number : XXXX Account Name : XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX  XXXX Account Number : XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain.

Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information. Best regards, XXXX XXXX