23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I tried XXXXXXXX XXXX  for less than 30 days and cancelled because I had no internet for 3 days within the first week. In the initial set up they sent equipment I already had, the installing technician took the equipment and said he would remove it from my account. It was a XXXXXXXX XXXX XXXX.. I already have XXXXne from my company. So he took it. After closing the account and learning the equipment had not been removed from my account, I've called a total of 4 times and have given them the serial XXXX XXXX XXXX XXXX which they confirmed does not match theirs. Each time I could not get past the rep answering the phone and the request for a manager was denied. Each one said they would escalate to the resolution department and I should hear back from them within 5 days. Unfortunately, I never heard from them and now I got a letter saying they sent me to collections for the amount of {$210.00} the amount they want to steal from me for the XXXX the installing technician took and was supposed to have removed from my account.
Product: Debt collection

Hello I am currently a victum of idenity theft. Within the last past three years I have noticed that accounts have been on my credit report. I have tried to call to get the items removed but the has been no resolution. I have received notices from certin entities that have a had a data breach and information may be leaked.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion claims that XXXX  # XXXX was VERIFIED AS ACCURATE. I received a response from XXXX # XXXX on XX/XX/2023 that stated the company is no longer servicing this account and thereby is not possible to be verified. The attached correspondence has been attached. 
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. XXXX # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX 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

I have a hard inquiry on my credit report that I did not initiate or contact the company about and need to it removed
Product: Vehicle loan or lease

I'm in an auto lease that I haven't been able to afford for some time.. Shortly after I received this lease it was clear that the sales person lied about the cost. I'm intimidated with sales guys and numbers and wasn't explained anything and was just asked to sign digitally and never got a print out of the credit application. I recently have been getting assistance from a charity and they discovered the credit application was completely fraudulent. They listed my salary at XXXX when it is more like XXXX, they list me as a XXXX, i'm not, i'm a XXXX. No one at my work ever got a call from the bank to verify anything. I asked my employer. No one ever verified anything at the bank/lender office and now I have made every effort to turn the car in and I'm being asked to pay XXXX. I don't have that kind of money and don't know how they can take advantage of people like this. I never missed a payment and have spent all of my savings over the past 2 years to keep my credit from being hurt. I have requested to turn the car in and have remaining payments waived along with any milage overages. They denied me ( last month ). I also requested a lower payment so I could manage it. they denied me again ( 20 days ago ). Sadly I have spent all of my savings and have finally got out on my own after suffering abuse by my partner and simply need this car to be resolved so I can provide a better life for me and my son. 

The current lease payment is XXXX and the insurance is XXXX. ( I was told the payment was XXXX total including insurance - that was a lie ). 
We have reached out to XXXX ( XXXX XXXX XXXX  ) and the  dealerships to assist and no one will do anything even though we have proved the application was fraudulently filled out. First call to XXXX was on XX/XX/XXXX, Followed up with Manager XXXX XXXX several times, no response. Spoke to his manager on XX/XX/XXXX and he advised they couldn't help and its the dealerships responsibility to get accurate DTI ( debt to income ) Spoke to the Dealership on XX/XX/XXXX - spoke to GM XXXX, he advised its the lenders job to verify and qualify any borrower they submit. 

I have 12 payments remaining XXXX totaling XXXX and am 12k mile over for XXXX in penalty ( i had someone help me with this ) {$7900.00} in fees hey want me to pay.
Product: Prepaid card

Venmo wouldn't let me access any of my paycheck from my direct deposit and or anything out of my only account for 7 whole days now. I have no money and every day that I called them they just tell me that they can not do a single thing to help me. I have children to feed and an electric bill that was due which occurred for my electric to be dissconnected.
Product: Credit reporting, credit repair services, or other personal consumer reports

In a accordance with fair credit reporting act. The list of accounts below have 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 # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX these companies have 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 1681 s-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 their information is inaccurate.

Someone needs to hold them accountable for this the credit Bureau have no respect for the laws. 

XXXX
Product: Credit card or prepaid card

Chase bank mailed me an offer for a new credit card in the US mail. The card said it had to be opened online. There was no offer code. I opened the card in XX/XX/2018 online. I was supposed to receive a {$100.00} credit after first purchase. When I contacted them, they said I had a different offer, which is untrue.. When I talked to a supervisor, she said that I had to apply in WRITING or by PHONE in order to get the {$100.00}, even though the card said to apply ONLINE. When I emailed them copies of the ORIGINAL offer, they said they'd get back to me in 2 or 3 days, but never did. Chase 's marketing department is playing a shell game, and I am furious at their dishonesty. I did get the XXXX miles as promised ( after spending XXXX in 3 months ), but I also want the {$100.00} credit as promised. I am attaching my proof and their reply. 
Thank-you.
Product: Credit reporting or other personal consumer reports

to whom it may concern I requested my signed signature showing I purchased the vehicle and I asked for verification and validation of the debt, also a certified receipt from certified mail saying there was a debt owed. I never received anything and it is in direct violation of the fcra rules and regulations 609,611,1681,616,617 and1666b. therefore it should be removed immediately from my credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I requested my XXXX score for the first time this year in XXXX  from all XXXX credit bureaus. With using XXXX, none of my XXXX scores were available to be reviewed by myself. I contacted XXXX that none of my XXXX scores were displayed and was directed to contact each of the bureaus. I contacted XXXX on XX/XX/2022 that my score were not available, with proceeding to view the scores on XXXX the exact same situation and error attached occurred. No scores to be reported. I proceeded to call each of the other bureaus with the exact same response. I was told each out put in a dispute to update my scores. XXXX  XX/XX/2022 there are still no XXXX scores available to me. 

Under law " XXXXXXXX XXXX XXXX XXXX XXXXeq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by XXXX XXXX XXXX ''
Product: Checking or savings account

On XX/XX/XXXX a fraudulent charge appeared for {$400.00} on my checking account. I immediately called Citizens Bank to inform them. They told me I would receive a temp refund and an investigation would take place. I asked if I should change my debit card number and was told " wait for the investigation results... they will call you ''. on XX/XX/XXXX, I received the refund and a couple days later received a letter asking for additional information on a form. I completed that form and mailed back within 2 days of receiving. On XX/XX/XXXX, another fraudulent charge appeared on my account for {$190.00}. I again immediately called Citizens back and filed another fraud case. I then demanded that my debit card be changed. I received a new card a few days later. I never received a call from citizens stating the results of the first case. on XX/XX/XXXX I received a letter from Citizens stating that they had investigated the case and that the first charge was not fraudulent. they stated they were reinstating the debit of {$400.00} to my account. I called citizens and spoke with a customer rep who said she would have the fraud team call me in a couple days. I received a voice mail a week later from Citizens, but the call back number was the main number and they can not connect me with the fraud team. They said they would put in another request to have them call me. To date, I have made about 10 calls and 2 trips to my local branch. I received 1 other call from a rep, but they just listened and said they would have the case examined. I have since received subsequent letter stating that both of my fraud cases were found to no be valid. Currently I am out {$600.00}. There is NO DOUBT that these charges are fraudulent. At the time they were made at a point of Sale device in XXXX TX, I was in Rhode Island and have subsequent charges from the same day attending to my location. Citizens has stated they have tried to call me multiple times, I have no record of these calls and am more than willing to produce my phone records to prove that. Citizens has never provided a rational as to why they feel this is not fraud. In my opinion, this case represents a bank not properly investigating a fraud charge and making the process so difficult that the consumer just ends their pursuit to recover stolen funds. I wonder how many less tech savvy customers have given up on the process, but I assure Citizens, I will not. Citizens Bank has an obligation to protect its customers money. They have failed and are attempting to negate their responsibilities.The two fraud claim numbers assigned by Citizens bank are XXXX and XXXX.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1968 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX CAPITAL ACCOUNTS XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CAPITAL ACCOUNTS XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1968 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a complaint against Equifax. I have sent a letter disputing accounts that are being reported inaccurately on my credit report. I have also sent them a second follow up letter. As I'm filing this complaint, they have not provided anything information regarding the investigation. As matter of fact I have no response Equifax.
Product: Debt collection

Submitted paperwork regarding wage garnishment XX/XX/XXXX. Without notice to me my wages were garnished beginning XX/XX/XXXX Agency said they sent me the information XX/XX/XXXX. They did not. I did not receive the decision until XX/XX/XXXX and that was through email from XXXX after I complained. The information on the XX/XX/XXXX paperwork has changed significantly. The XX/XX/XXXX paperwork said I had 15 days to appeal. Obviously, the 15 days had elapsed XX/XX/XXXX. I have not moved. It would be in my best interest to respond in a timely manner. I did not receive the information. Everything I send XXXX is sent certified mail return receipt requested to avoid these issues. XXXX should do the same. However, I do not believe they sent it to me. I made contact with EOS-CCAand they said they would get back to me. I have not heard from them. Not only are my wages being garnished but now my social security is being garnished which I had to take 4 years early to cover the {$600.00} a month they are taking from my wages. With the social security garnishment they are now receiving almost {$1000.00} per month. I am single, XXXX years old and have raised my now XXXX year grandson since he was XXXX old with very limited financial support from the parents. XXXX only considers what they think your expenses should be not what they are. I have offered to pay {$200.00} per month until I die but XXXX will not accept that. The whole system is confusing, non-responsive and not dealing in real world income and expenses. People do not return calls. People do not know how to help you and they do not take your personal circumstances into consideration when reviewing documentation they have been given. In fact, they completely ignore anything they have been provided other than their paperwork you have filled out. There is no way I can afford a garnishment of 15 % if the information I provided was reviewed. I have sent my story to various government and social service agencies. I have sent my story to various government employees including senators. I have sent my information to various media outlets and have been contacted XXXX. I urge anyone else suffering from the burden XXXX mismanagement to write their own stories so attention may be paid to the fact that we are people with lives not just a number.
Product: Debt collection

I received a bill from a collection agency called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It stated that PayPal had turned over a debt that I had incurred with PayPal for {$1000.00}. I have NEVER used Paypal for that amount. I called XXXX to ask them to explain what the charge was. They wanted me to give them my SSN and date of birth which I would not do. They suggested that I contact PayPal. PayPal told me that I had a zero balance and owed nothing nor were there any records of me ever owing that amount. They told me not to worry about it. My concern is that if I had mailed {$1000.00} to XXXX, what would have happened to it? I read on the PayPal site that other people have gotten bills from XXXX and did not owe PayPal any money either. I XXXX  XXXX and it says that it is a legitimate collection agency. I am writing you to alert you as to what must be fraud perpetrated by either the collection agency or someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

Same old same old- just recording for legal purpos es. Info  rmation never correct even after dispute. I check with lenders and they CLAIM they have rectified it.   XXXX   did not allow me a dispute again. Lenders claim they " were '' not notified by  XXXX . My core has not gone D O W N even with numerous co rrections.
Product: Debt collection

Someone from a company called Cochran and Bailey ( XXXX ) XXXX, searched a database and associated my husbands family with me and starting calling them and telling them that I used them as a reference and that they have their SS # and addresses and that I have been writing bad checks. They called several people in my husbands family whom I have never used as a reference for anything, I do n't know any of their addresses or phone numbers so I could n't have possibly given out any info on my in-laws. They have been steady calling and harassing everyone including my mom and on my job disclosing my personal information.
Product: Debt collection

Court Case XXXX Last Date to file Lawsuit-XXXX. 



We are going to file a lawsuit in the next 24 hours at United States District Court XXXX XXXX XX/XX/XXXXXXXX XXXX # XXXX, XXXX XXXX, FL XXXX, United States against your Name and SSN. After giving several notifications we did not receive any response from your side. We will consider that you are ignoring this matter and you want to dispute. We are in a process to inform the Social Security Administration & major Credit Bureaus as well.This is our last warning to you ; kindly update us ASAP so that we can proceed. 


Note- If we don't receive any response from your side today, your case file will be downloaded automatically against you. After that we are unable to help you and you will receive court summons at your door steps with the cost of lawsuit around {$3200.00}. 


Do update us with your intention that you want to resolve this case or you want to dispute. Do revert back for any queries. 



Thank you, ACE CASH EXPRESS. 

Which is bogus I never borrowed any money. With my credit no one will give me a loan. And theyre saying I owe them XXXX crazy.
Product: Vehicle loan or lease

On Friday XX/XX/XXXXXX/XX/XXXX i received a notice in the mail from XXXX XXXX saying that i could start service on the radio in my new truck, trouble is, i didn't buy a new truck, they ended up say that it was a mix-up and not to bother with it?. 
Then on Monday XX/XX/XXXX i received a late payment notice from Ally saying that my payment was late on a XXXX XXXX XXXX, i never bought a XXXX XXXXXX/XX/XXXX, i then contacted Ally and told them it wasn't me who got the truck, they informed me that the Fraud dept was closed for the day, i asked the girl on the phone what she could tell me about the transaction, she said it was someone with my name in XXXX TX bought a truck at XXXX XXXX auto dealership. 
I then contacted the dealership and talked with one of the finance people and they asked me a few questions and asked me what i look like and i asked why, he stated that he just wanted to know what race i was, i told him i was white and he said they took a copy of the guy who bought the trucks DL and he was a XXXX male and that it showed a XXXX address on the DL, they then stated that they would open an investigation into the matter and get back to me in a few days, then he informed me i should contact the credit reporting companies and report what happened, i told one on the XXXX and the other 2 on the XXXX and one of the people i talked to said i should also file a report with you guys.
Product: Debt collection

My husband and I had a modification done on our home in XX/XX/XXXX, my husband developed some health issues and could no longer work his part time job, we were happy to learn that we could qualify for a modification to bring our home mortgage down, unfortunately we were not given the full understanding of what this would entail. We are in our late XXXX 's and needed to refinance, we learned that the mortgage company has a lien on our title for XXXX XXXX dollars!! We believe we were duped by XXXX XXXX, we really thought that they were interested in helping us with this, but behind the scenes they used HUD and us to get funds that really benefited them. I have spoken to both the mortgage company and HUD, according to HUD it is all based on the mortgage companies standards for this amount. Had we been thoroughly informed that we would have been responsible for an amount like this we would not have gone through with this modification, they only lowered the bill by {$100.00}!!. I do not believe we should be responsible for paying them this money..Thank you, XXXX & XXXX XXXX