23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I signed up for CareCredit through Synchrony Bank on the advice of my XXXX at XXXX XXXX to obtain XXXX. After signing up I paid diligently until the principal was paid. Suddenly I received a bill for XXXX more dollars for not paying the added " payment insurance '' that I supposedly signed up for. I do not require payment insurance and would not have chosen this option. Nor did CareCredit alert me that I was not making payments on a very high interest rate additional fee for insurance. Right as we were ready to close the account because we had paid, we received the additional billing information. When I called CareCredit a man offered to close the account for XXXX. I disputed paying CareCredit XXXX, a randomly made up number. When I said I was not willing to do that, the man laughed and said " it is not that much money. '' The conversation was so strange, and it has become clear that I have been misled, and a victim of deceptive credit card enrollment tactics and that CareCredit is a criminal enterprise.
Product: Checking or savings account

The Bank charged me XXXX in XXXX fees on XX/XX/2021 when I had enough funds to cover all the charges. The bank has shady practices.
Product: Checking or savings account

Money lion suspended my account and my account access. However, they are debiting monthly charges and debited {$150.00} payment after revoking ACH AUTHORIZATION for which they were notified. 

I specifically told them that if they were suspending my account and access then I wanted the account closed and revoked any ACH authorization and they are still charging me monthly fees and they have not honored my ACH AUTHORIZATION revoking. 

I have no way to access my account online at all to remove my linked accounts
Product: Debt collection

An account was sent to collection in my name with fraudulent charges at at time when I was a victim of identity theft.
Product: Mortgage

To Whom it may concern, I have submitted my escrow analysis with Freedom Morgage company for an update on my taxes since XXXX XXXX I have called and complain to the company on why this problem has not been fix all they tell me is call back in 8 days and they keep pushing the issue on and on. The company quoted me for XXXX a year as a Morgage payment in which, I have proven that is not XXXX its XXXX a year. The company refuses to deal with the issues nor fix the problem in which they are over charging me. I spoke with the escalation 's specialist XXXX XXXX XXXX from freedom Morgage, and she stated they received the information, and they will look into in which nothing has been done in over 2 months and I'm stuck with an overcharge for the past 8 months since we bought the house. Please help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On, XX/XX/2019, I enrolled for ACH withdrawal of my mortgage payment on XXXX XXXX online account center and there were no errors shown. So I thought everything was setup correctly and so forgot about it. 

On XX/XX/2019, we found a letter on front porch of our house indicating that we were late on mortgage payments. I was surprised at seeing that and immediately logged into my account, and first thing I I did was to clear the pending balance on the account and then started investigating what happened. 

As I looked online at all the documents that they mailed, I did see that they did mail a notice to my home address about an issue with my ACH setup. But when looked at the address closely, I noticed that the mailing address was incorrect. The street address was correct but it had a different city and zip code. I was very sure that at one point I was receiving my statements from them, so when I looked at the old statements online, they had the correct mailing address until XX/XX/2019 but starting with XX/XX/2019 statement, they had incorrect address. I never contacted them to change the address and they changed my personal information without my consent. 

Due to unauthorized change of mailing address, I never received any notifications of incorrect ACH setup or about late payments. I now have a " 30 Day Late Payment '' remark on my credit report that has adversely impacting my credit score and will continue to impact for the next seven year. Had I know that there was an issue with my ACH setup, I would have taken care of it immediately and resolved the issue before it went to past due status. All this for the mistake that the bank did on their part by changing the mailing address without my authorization. 

I tried to dispute this with the bank and the credit reporting agencies with no success. I kindly request you to please help me resolve this issue.
Product: Credit reporting or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XXXX have alleged they were transferred servicing of this loan in XX/XX/XXXX.  I have vehemently disputed this debt since the alleged transfer and I have not made any payments or agreed to any terms to pay it. In XX/XX/XXXX, I sued XXXX XXXX referencing this alleged transferred loan to collect. XXXX XXXX will advise status of loan or communicate with me referencing the loan they 're alleging more than {$140000.00} past due. I 'm attaching statments and documents from XXXX to substantiate my claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, HAS VIOLATED MY RIGHTS. 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. CONGRESS MAKES IT CLEAR THAT I HAVE A RIGHT TO PRIVACY AS A FEDERALLY PROTECTED CONSUMER! YOU CONTINUE TO VIOLATE AND DISRESPECT MY RIGHT TO PRIVACY WHICH IS A DIRECT VIOLATE OF THE FCRA AND THE GRAMM-LEACH BLILEY ACT . I DID NOT CONSENT OR AUTHORIZE FOR YOU, OR THE PEOPLE MENTIONED BELOW TO USE OR SHARE MY NONPUBLIC PERSONAL INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to properly investigate unverified accounts and remove them per 15usc 1692 g ( b ) iii, per 15usc 1681, resulting in violation 18usc241.

Fact- Notice of no further investigation would be permitted violating 15usc1681d ( b ) ( c ), 1681 ( d ) 3, 15usc 1681E ( a ) ( b ) The apparent willful neglect of 15usc 1681 ( L ), 15 usc1681 ( m ).

Upon request of contract of obligation I was five false documents that showed no judgment of account or contract of agreement. Violating 15usc1692j. I am due remedy for these violations against me under 15usc1681o. The accounts unverified are XXXX XXXX XXXX reporting since XX/XX/XXXX XXXXXXXX XXXX reporting since XX/XX/XXXX XXXXXXXX XXXX  reporting since XX/XX/XXXX XXXX reporting since XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will XXXX XXXX XXXX XXXX  and autograph as the agent, attorney in fact, so be it ; XXXX. It is a Fact that afant is the only natural person with rsthand competent knowledge of the facts of this transaction. 2. It is a Fact that afant is a consumer as dened in the Fair Debt Collection Practices Act specically, Title 15 USC 1692a ( 3 ) because afant is a natural person. I am writing in regards to the XXXX  data breach & the subsequent compromise of my personal information. Pursuant to Title 15 USC 1681 ( a ) ( 4 ) your company failed to ensure that the information on my consumer report was accurate failed to exercise their responsibility with fairness & impartiality. Upon reviewing my report, I discovered fraudulent account opened using my personal information which is a result of the data breach any legal means, including power of attorney fraud. I demand immediate action to secure my information & prevent further identity theft in accordance with the FDCPA is protection of my privacy I demand that all fraudulent information be removed from my report within four business days, per FCRA section 605B & title 15 USC 1681 C2. I do not give consent for any information to be furnished without my authorization per title 15 USC 1681 604 ( A ) ( 2 ). I expect any violations on my consumer rights to be a dress with fairness and impartiality. With all these violations listed and fraud found I may start the administrative process. However, I will give your company the ability to settle out of court or you will be held liable for all damages. Conduct yourselves accordingly. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally file a complaint regarding multiple unauthorized inquiries that have appeared on my credit report. I suspect that these inquiries may be a result of identity theft. Despite my efforts to address this issue with the credit reporting agencies and the involved parties, the matter remains unresolved. 

Upon reviewing my credit report, I discovered several inquiries that I have not initiated and have no knowledge of. These unauthorized inquiries include XXXX XXXX XXXX XX/XX/XXXX ( Experian Inquiry ) XXXX XXXX XXXX XX/XX/XXXX ( Experian XXXX ) XXXX XXXX XXXX XXXX ( Experian XXXX ) XXXX XXXX ( Experian Inquiry ) XXXX  XXXX XXXX XX/XX/XXXX ( Experian Inquiry XXXX XXXX XX/XX/XXXXXXXX  ( Experian Inquiry ) XXXX XXXX XX/XX/XXXXXXXX  ( Experian Inquiry ) . 

I am concerned that my personal information may have been compromised, leading to unauthorized access to my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Reporting agencies refused to Delete XXXX XXXX XXXX from my credit report. XXXX XXXX XXXX is reporting in accurately to my credit report. I already tried to resolve this matter with XXXX XXXX they sent a letter stating all information was accurate. The law states all information must be reporting accurately or be deleted. Therefor XXXX XXXX XXXX shall be deleted from my XXXX XXXX, Experian, and XXXX Credit Report. According to the law 15 U.S. 1681 everything must be reported accurately. Also, the law states 15 U.S Code & 1681n Civil liability for Willful Noncompliance. ( 1 ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to the any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.

Due to these inaccuracies, it has caused me hardships. Being unable to receive lower interest rate for purchasing a home. A fair resolution to this matter would to be compensated for the damages caused by XXXX XXXX Union. Im requesting the max allowed by the courts. Which is {$1000.00} per violation totaling an amount of {$19000.00}. Im prepared to take this matter to court if need be.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : misleading false reporting you can not report late payments on a charge off XXXX XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries on my report that Equifax has blatantly refused to remove and/or investigate. Furthermore, they have ignored all of my letters and/or requests for inaccurate information to be deleted or corrected. This is a blatant violation of the FCRA. I have sent letters, I have sent letters and I have emailed. Each time I've attached copies of an FTC report and copy of FCRA 605 b. And yet, the unauthorized inquiries remain with zero response from Equifax. 
Furthermore, they continue to report a legally unverifiable bankruptcy in which I've sent letters from Courthouse and XXXX that state they neither report nor do they verify bankruptcies. Per the FCRA, if an item can not be verified by the original creditor it is to be deleted. 
These are at least two violations of the FCRA in which I'm allowed to demand {$1000.00} for each violation. 
I've been trying to resolve these issues with Equifax since XX/XX/2021. That is more than enough time and still Equifax had not done anything.
Product: Debt collection

This is not my debt. I had medical insurance for the last 25 years. my identity was recently stolen and I'm consistely being harassed by debt collectors now via email, text and phone calls.
Product: Debt collection

I sent a debt validation letter to the company merchants adjustments service on XX/XX/2021, and sent another letter on XX/XX/2021 for failure to respond and failure to validate they then finally respond by violating my HIPPA RIGHTS!!!! By sending me amounts owed and also what I had done on those specific dates!!!!
Product: Money transfer, virtual currency, or money service

This weekend I flew in from Idaho to XXXX XXXX XXXX XXXX XXXX XXXXXXXX, New York. On Saturday, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXhrough Venmo. On Sunday, XX/XX/XXXX, when I attempted to take a payment through Venmo, I was notified my account was frozen. {$450.00} of my transactions have disappeared. There was no reason given except that I XXXX have violated terms of service. 

I have a XXXX  account with Venmo that I use to take payments for my products. Periodically, I transfer my XXXX  Venmo balance to my Venmo credit card to pay off my business credit card expenses. 

Every XXXX XXXX Venmo suggests for help leads to an AI chatbot. The AI chatbot leads to a webpage that leads to an AI chatbot. The phone tree is prerecorded messages that redirect you to an AI chatbot. The email sent to me says not to reply. The AI chatbot says it will direct me to a form to fill out that is just a linktree. 

I have no answers, no recourse, and with no reason given, my funds dropped from the {$730.00} I earned in sales through unique art pieces to {$270.00}. No reason given. {$450.00} has disappeared with no reason given while {$450.00} of my artwork is no longer in my inventory. The records of the transactions have disappeared if I hadnt screenshotted my credit card payments and my end of day calculations I would have thought I was losing my mind. Well, I still do. 

I am an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  am based in Idaho. I properly register with government tax and financial entities in each state I do business in I do not fly under the table. This is my XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and every sale directly equates to paying off my business costs.
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 confidentiality under 15 USC 1681. 

Account name : XXXX Account number XXXX Account name : XXXX XXXX XXXX Account number XXXX Account name : XXXX XXXX XXXX Account number XXXX Account name : XXXX  Account number XXXX Account name : XXXX XXXX  XXXX Account XXXX XXXX Account name XXXX XXXXXXXX XXXX  XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name : XXXX XXXX XXXX Account number XXXX Account name : XXXX XXXX XXXX  Account number XXXX Account name : XXXX XXXX XXXX Account number XXXX Account name : XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Account name : XXXX XXXX XXXX  Account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 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

Over the past XXXX months, I have mailed various letters to the credit bureau in regard to the inaccurate information that is reported on my account. The letters sent were requested to validate the inaccurate accounts reported on my credit profile. I have asked the bureau, Experian, to verify the validity of these accounts, and have yet to receive competent evidence that I have any legal obligation by either bureau. I have provided verification letters, a copy of the FTC report that was filed, and letters sent to the creditor expressing how I was a victim of identity theft to the bureau. The account that is inaccurately being reported is a XXXX XXXX XXXX and XXXX XXXX credit card accounts that reflects as charge-offs account on my Experian credit profile. The credit bureau refuses to provide this evidence. Therefore is in violation of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to pull my credit report and was unable too, I even tried to open a XXXX XXXX to get my report it says that my name and social has been used already and it gave me the name of the persons email that has been using my account for my credit. I will post in the document section below the email address that was used on XXXX XXXX to access my account. I was also unable to get access to my credit reports or XXXX XXXX an Experian. I will be sending an identity theft document to the 3major bureaus.
Product: Debt collection

I was a XXXX customer who moved my mobile number over to XXXX. Immediately after moving my number over, I attempted to log on to my XXXX account to cancel it and pay my final bill only to find I had been immediately locked out of the account and got an error message that stated that there was no mobile number on file. I called XXXX in an attempt to ensure the account had been closed and to pay my final bill. I was told by the XXXX representative that I would need to wait until the billing cycle closed and to call back on a particular date, and would then be able to pay the pro-rated bill over the phone. My wife called in after that date and paid the remaining balance in full and was told she'd receive an email confirmation. We never received one. Eight ( 8 ) days later, we received a notice in the mail from a 3rd party collection agency, Convergent Outsourcing , inc . I called XXXX about the notice and they confirmed the account was paid in full and there was no record of having turned it over to Convergent. XXXX stated that even though the account was closed, they weren't able to provide me with a receipt for the phone payment I made, or, any documentation to confirm closure of the account and suggested that I contact Convergent. The next day I called Convergent, and after being given four ( 4 ) different phone numbers to call within that agency with nobody finding a record of the notice they sent me, I finally was able to speak to someone who confirmed that the account was inactive, and there was no dept or balance due. However, they refused to send me judgement or verification of the dept, even though on the notice it states that if I contacted them within 30 days of receipt of the notice, a copy would be mailed to me. I spent 53 minutes on the phone and spoke with 5 different people including a supervisor to get to that point. As a consumer, I find it extremely troubling to be put in a vulnerable position of no written proof of closure, and having to rely on the same people who erroneously generated the dept collection notice to have competently resolved the issue.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I XXXX have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. JPMCB - CARD SERVICE XXXX
Product: Debt collection

On the day of XX/XX/2022 a Debt Collection Agency called : MRS XXXX XXXX XXXX XXXX has by way of fraud, engineered a debt in the amount of {$79.00}. notice this alleged debt is in the positive amount as if they are claiming to owe a credit, yet want someone to send them money for no reason. 

This debt collector is using a name similar to mine which is identity theft. debt collector MRS is also using a po box address which is a non contracting venue to send post to my private location for racketeering purposes.

I will now need the following from this unknown debt collector : 1. A legal contract with my wet ink autograph and MRS wet ink autograph showing a legal bind between both.

2. A true bill claiming i owe them such funds and/or debt. 3. A s
igned contract with my wet ink signature where i allow them to use my name no matter the spelling to sell information to credit bureaus.

4. If they are debt collectors which allegedly bought a debt from another legal fiction corporation, show me of a contract and the paperwork for him much they purchased the debt and any transactions binding me name. 5. Show me of a license to operate in the territory and state of texas.