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

Have submitted complaints to Equifax, XXXX, and XXXX, concerning a XXXX XXXX account on my credit report that is against fcra regulations and not only is the account closed and they wrote it off but they also have a balance of {$380.00} on a credit limit of {$300.00}. This is completely wrong because there's no way you can have that much over each on that type of limit. They do not want to adhere to the law and remove it they just do a quick access of it and put it back as verified when it's not verified because the amounts are wrong all they have to do is look at it. I'm not being mean or trying to sound mean by no means. I'm asking that you get after these people and make them get this off my credit because it's destroying what little bit of a credit score I have. Thank you for your time.
Product: Vehicle loan or lease

XXXX repossessed Truck. 
Chrysler Capital began reporting to credit bureaus as a charge off bad debt before they actually repossessed the truck. 
A while later maybe a year they were reporting the account was still open. I've disputed everything that this company has reported to the bureaus and not once have they been corrected or removed from my credit reports. They continue to report false information to these buraeus and I keep getting denied credit and it keeps costing me more and more money.
Product: Debt collection

This is so annoying & frustrating. Ive sent TransUnion multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In TransUnions responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5200.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit card

Purchased from habitat for humanity and promptly returned a couch for XXXX. They sent the refund XX/XX/XXXX and USAA is telling me they have no record of the refund. Theyve simply taken my money. They are trying to tell me I need to dispute the transaction, when they have kept the money habitat sent back and are charging me interest. 

This is fraud and I demand my refund that was sent by habitat for humanity for {$550.00} immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX   ACCOUNT NUMBER : XXXX
Product: Debt collection

Contacted the company regarding apparent debt starting in XX/XX/ 2017. No  contract with this business to collect a debt from me. I've reached out several times and asked this agency to validate the debt along with documentation from the original creditor with no response. I sent validation letters via certified mail to ensure that they would be received. This company is causing me financial hardships as it is reported to my credit monthly which is making it difficult for credit worthiness. I would like this item to be deleted off my credit report in fairness of my rights with the laws and regulations of the FCRA.
Product: Debt collection

Global Receivables Soluion, Inc./ West Asset Management , Inc . 
ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : ( XXXX ) XXXXFax : ( XXXX ) XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify Global Receivables Soluion, Inc./ West Asset Management , Inc. or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Global Receivables Soluion, Inc./ West Asset Management , Inc. or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit card or prepaid card

I opened this card on XX/XX/XXXX and started making purchases on XX/XX/XXXX. I made over {$2000.00} of purchases in the first 60 days of account opening but I didn't not get the promotional points offer. The credit card company says I didn't meet the terms and conditions but I feel that they should give me the credit for the promotion points offer of XXXX. I have paid an annual fee and should get the points offer. 

Also, I have not received the 50 % travel voucher for my companion as of yet and I believe I only have a certain amount of time to use that and so I want to make sure I receive that as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX the consumer and natural person has disputed these accounts you are reporting on my consumer report. You can't validate a debt because I am the original credit and only I can validate an alleged debt. According to 15 usc 1602 ( g ) I am the original creditor. You do not have the authority to validate a debt according to Congress. You have violated my consumer rights. I also have a right to privacy which you have violated every aspect of my right granted to me. I am a Natural Person of Heaven and my rights are given to me by God himself. I am demanding a thorough investigation and I want all the accounts listed deleted from my consumer report. I also plan to report you to the XXXX  and Attorney General. I also plan on contacting the media and letting them know how my consumer rights are being violated.
Product: Debt collection

On XX/XX/2018 there were attempts to call my cell phone with aggressive in nature tactics upon answering. They also called the main line of my place of employment during work hours back to back. I am not to take personal phone calls during work or production hours, and they have repeatedly contacted me this way. This jeopardizes my employment. They are aggressive and harassing me.
Product: Credit reporting or other personal consumer reports

I am XXXX this FTC Identity Theft Adavit to report XXXX separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit cards account opened at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( private ), and XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( private ), and a mobile phone account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ). These accounts have resulted in several fraudulent hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXi on XX/XX/XXXX and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Debt collection

I have noticed over the past few months between XX/XX/2018 to present that there were accounts being added to my personal file that do not belong to me through monitoring service. As this account XXXX XXXX has appeared on my file on multiple occasions totaling {$200.00} through individual accounts listed under the same company XXXX XXXX. I am a victim of identity theft on multiple accounts as it has been reported and currently being investigated. Ive reached out to this company multiple times regarding this matter and have reported this account as identity theft.
Product: Credit reporting or other personal consumer reports

Collections and a defaulted student loan on my XXXX Experian and XXXX credit bureau reports are not mine. My identity was stolen and this was reported to authorities. I should not be penalized for this.
Product: Debt collection

they call and send letters and they can not tell me who the debt is with
Product: Credit card

I had a Gap Visa Card issued by XXXX XXXX, and a few years ago I received a letter that Barclays bought it and we will receive a new Gap Master card from them or if we won't to continue with this new company and master card to pay off all the balance and to do nothing more. I paid off my balance and when I received the new master card I NEVER ACTIVATE IT. The Barclays sent me a few letters with different offers but I did nothing because I did not want their new card. Now after more then 1 year or XXXX years I received a statement from Barclays with a transaction on my never activate card with a transaction on it on XXXX XXXX. How is possible to have a transaction to a company that never I was their customer, I never activate their cards?? and now look I have a active card with them and a transaction on it. Thank you for your help in front with this abuse because they have all my personal info from the old company.
Product: Money transfer, virtual currency, or money service

Signed up with a mentorship online for XXXX XXXX. The mentorship offered coaching and a step by step guide on how to successfully start a business from scratch. As soon I accepted the offer I was to pay an amount to join the classes. As the classes started I was told to pay more money for start up costs. After about 5 months the coaching stopped and he no longer contacted me. I still follow him on XXXX  but he is no longer doing XXXX XXXX classes but mentorship class for XXXX. I don't want to be a XXXX  I just want to XXXX XXXX. There is no guidance and what he promised me he couldn't deliver. The money was spent on scam that I didn't know was a scam. The incident happened in XX/XX/year>. Bank of America allowed the funds to be transferred without checking that this was indeed a scam. Bank of America did not and would not pursue my case and incident.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Transunion XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Request for Removal of Fraudulent Late Payment Due to Identity Theft XXXX XXXX Account Number : XXXX Dear, Transunion, XXXX, XXXX I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account [ XXXX ] and occurred on [ XX/XX/XXXX ]. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. 15USC CODE 1681 Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I accepted a new credit card offer for an American Airlines AAdvantage Platinum Select Mastercard from Citi in XX/XX/2019. The card offered a select # of bonus airline miles if a specific amount was charged on the card within the first few months of having it. 

I set up all of my credit to be paid in full on a monthly basis via auto-draft and did the same with this card and set about using to earn the bonus miles. 

In XX/XX/XXXXI received a call from Citi stating that my account was past due and requesting payment. I notified them of their error in not drafting my account and authorized an ACH transfer for past due and outstanding credit charges with the representative noting an auto-draft for the full amount outstanding would take place at next billing cycle in XX/XX/XXXX, leaving a XXXX  balance. 

In XX/XX/XXXX, the total amount due ( both credit and finance charges ) was auto-drafted and I made call to close the account only to be notified that there was an additional finance charge, not disclosed in the XX/XX/XXXX statement ( which showed payment in full for all outstanding balance ). 

My request that this charge be removed was declined by Citi. My requests to speak to a superior or other authority were also declined. 

I accuse Citi of failing to honor customers ' requests to auto-draft charges in full on billing cycle basis in order to generate fraudulent interest charges.
Product: Debt collection

I have a loan with XXXX XXXX at XXXX XXXX XXXX XXXX. Pa. XXXX Their phone # is XXXX. XX/XX/XXXX I have received a message EVERYDAY on my home phone from XXXX at XXXX. His message varied about wanting to increase the loan and also stating I have not made my XX/XX/XXXX payment on time. Since I have auto pay with my bank and have never missed a payment to anyone in my life -- I basically ignore the calls. They continue. On XX/XX/XXXX I call XXXX. He says I did n't make my XX/XX/XXXX payment. I go online while he is on the phone and find the payment and and the picture of the check and stamp from XXXX. He does n't believe me-so I have to fax a copy of the cashed check to him. Then INCREDIBLY I get home and he AGAIN is on my home phone message saying that I have to now send a copy of my bank statement to show my bank took the money out of my account. I find that unbelievable but I complied. I have now sent by mail a copy of my bank statement with the check number and showing the bank cashed the check. XXXX calls ( Ihave all the messages ) -then a fax of the cashed check ( still not enough ) and finally I have to send my private bank statement to hopefully stop this harassment!!!! This co. and this employee need to be kept in check. Absolute harassment to make someone prove they paid you after I send them a copy of the check they cashed!!!
Product: Debt collection

I noticed a negative account from SYNCB WALMART on my credit report for {$4300.00}. I sent SYNCB Walmart a debt validation request letter on XX/XX/18, which they received on XX/XX/18 @ XXXX. They have chosen to Not respond & it has been over 30 days. This is not a valid debt & should be removed from ALL credit bureaus.
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. 
Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility.This discrepancy is due to an error and seek your immediate intervention to rectify it. 

Moreover, other credit bureaus have already corrected the status of the accounts stated above .Also, I contact the companies thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to correct or remove this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have filed a previous complaint about this company. Complaint number :  XXXX  on  XX/XX/2017   . They admitted to purchasing the debt from a company called  XXXX . They admitted to attempting to collect the debt they had purchase. They sent me mail containing information of a car purchase. Non of the information mailed to me contain a contract between me and NCB management. I have notice this collection has come off of my  XXXX  credit report, yet remains on the other bureaus credit report. As I gathered information to give to the STATE 'S ATTORNEY GENERAL. I did a search for  NCB MANAGEMENT SERVICE l icense. I have found they are in direct violation of  TENNESSE  FAIR DEBT COLLECTION PRAC TICES ACT 62-20-101. NCB MANAGEMENT SERVICE does not have a license in the state of TENNESSEE. They can not collect on a debt. TENNESSE FAIR DEBT COLLECTION PRACTICES ACT 62-20-105 states no person shall commence, conduct or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior stat law. TENNESSE FAIR DEBT COLLECTION PRACTICES ACT 62-20-108 ( a ) ( 1 ) Every collection service shall have, for each location at which it conducts business a location manager who has submitted an application on a form prescr ibed by the board.  TEN  NESSE FAIR DEBT COLLECTION PRACTICES ACT 62-20-123 states a willful violation of this chapter, or any rule lawfully promulgated thereunder, is a Class C misdemeanor. NCB MANAGEMENT SERVICE is in  direct violation. This will be the last communication I send before sending my evidence to the STATE 'S ATTORNEY GENERAL OFFICE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm need somebody.help me.please my