23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company has been sending documents to me that owe for this medical bill. I do not owe the bill because I am a member of the XXXX XXXX XXXX so I should not have a bill. I wish you would help me take care of this matter. The XXXX occurred in 2021. The bill should have been paid in full by the hospital. Reference # XXXX. The XXXX XXXX XXXX # XXXX. I have requested a letter stating that 100 % of any XXXX is paid for 100 %. They will submit this information to my credit report.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I XXXX XXXX XXXX have requested two times that the information from Credit Fresh or XXXX be removed from my credit report since I did not authorize or open any accounts with your agency. Therefore, Im requesting Credit Fresh to cease and desist all contact methods and to send me a debt validation letter. I have frozen my credit report and report it the fraudulent account to all credit bureaus and also I report it to identity theft. Some of the laws you may be subject to are as follows : 18 U.S. C. 1028 Identity theft laws under 18 U.S.C. 1028 makes it a crime to misuse someone's identifying information, whether personal or financial. 
Personal identifying information can include social security numbers, driver 's license number, credit card or bank account information, and PIN numbers obtained through the internet.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple inquiries that did not result in an account were placed on my credit reports that were not mine. I asked that these items be removed immediately. I have sent letters to the credit report agencies and have gotten no response in return.
Product: Credit reporting or other personal consumer reports

My student loans of {$140000.00} were transfered from XXXX to the servicer XXXX, and then payed down to a value of {$130000.00}. At some point the loan was transfered within XXXX as they have updated their online platform. Due to that update and creation of a new account number for my original loan, my Transunion credit report shows two active loans from XXXX for {$130000.00} AND {$130000.00}. 

This doubles my loan on my credit report and will likely affect my debt/credit ratio. XXXX has not been helpful in rectifying this and I have also filed a dispute with Transunion. 

The accounts are : XXXX/DEPT OF ED : XXXX XXXX/DEPT OF ED : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One has obtained and trafficked my nonpublic personal information without authority or my consent. Upon lawful request and in conjunction with my consumer rights, I have demanded that Capita One cease trafficking defaming and falsified statements to nonaffiliated third parties pursuant the FCRA and the Gramm Bliley Leach Act, but Capital One has refused to do so. Capital One never afforded the opportunity to avoid such communication and trafficking of my information. Capital One is intentionally ruining my credibility and reputation in order to coerce payment on an account that I do not own. Capital One has violated various FCRA laws including reporting items on a credit report that should not have been reported in the first place pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), 15 USC 1681a ( d ) ( 2 ) ( C ) AND 15 USC 1666.
Product: Student loan

Nelnet has violated FCRA and GBLA laws by the inability to produce records. There are multiple months with missing information not reported or reported incorrectly. This incorporation has been been provided to Nelnet on Multiple occasions. Nelnet does not have the requested records and is therefore unable to show this information to credit agencies effectively. They report NO DATA for multiple months on all 3 credit reporting agencies. This violates fair credit reporting and because it has happened over the course of 5 years on Multiple occasions it is not longer negligence but intentionally misleadingly. This violation is the second reported by the company against for violating FCRA as the first regarded violation of privacy laws under FCRA and GBLA. The fact that they are violating multiple sections of FCRA concerning Accuracy and Privacy on multiple occasions is not a call for concern but a call for action. This action has led to breach of contract under Nelnet Terms of Service when they were to have verified the actual debt before buying it from Navicent and other companies. They are unable to very the data missing and have therefore failed to report it to the Credit agencies. This violates FCRA and GBLA laws.

Nelnet purchase my Loan from another company. When a company purchases a loan they are required to very that ALL details of the loan are valid. Nelnet did not validate the debt before purchase and violated FDCPA guidelines. Nelnet has been asked in CFPB complaints to verify debt by asking about the lack of reported information to CRA 's. Nelnet has never responded with verification of Debt following those allegations. Under 1692g ( b ), if a consumer notifies the debt collector in writing within thirty days of receiving the 1692g ( a ) notice that he disputes the debt or any portion of it, the debt collector must stop collecting the debt, or the disputed portion of the debt, and obtain verification of it and mail that verification to the consumer. This information has never been obtained from Nelnet. Nelnet has engaged in False or misleading representations, Other prohibited unfair practices as Debt collection agencies may not : collect an amount greater than what you owe. If they do not have validation of the debt and have not provided that it stands that the amount due can not be known. XXXX v. XXXX, XXXX, XXXX XXXX XXXX , XXXX, -- - XXXX XXXX -- - ( XXXX Cir. 2014 ), 2014 XXXX   XXXX XXXX XXXX Cir. Mich. 2014 ), 2014 U.S. App. XXXX XXXX, the XXXX Circuit expanded the requirement for how a debt collector must respond to a debtors request for verification of a debt under the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq. ( FDCPA )
Product: Credit reporting or other personal consumer reports

A new credit account was opened in my name by XXXX mattress company. 
There is no current amount due or owed. Was created around XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Request to Update Address and Remove Outdated Addresses from Credit Report I hope this letter finds you well. I am writing to request the update of my current address and the removal of outdated addresses from my credit report. As per the provided information, I have recently moved to a new address and wish to ensure that my credit information accurately reflects my present circumstances. 

Here are the details for the address update and removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I kindly request your prompt attention to this matter. Keeping my credit information up-to-date and accurate is crucial for the integrity of my credit profile. Please ensure that the new address is added and the mentioned outdated addresses are removed from all my credit reports maintained by your bureau. 

If any additional documentation or verification is required to process this request, please do not hesitate to contact me at XXXX or XXXX. I am fully prepared to provide any necessary information to facilitate the smooth update and removal of addresses on my credit report. 

I genuinely appreciate your assistance in this matter and thank you in advance for your prompt attention. Kindly confirm the receipt of this request and notify me once the necessary updates have been made to my credit report. 

Thank you for your time and cooperation. 

Sincerely,
Product: Credit card or prepaid card

I sent the followin commen to Bank of America : All I wanted to do was activate my cxard, # XXXX. Instead I get advertisements for " XXXX XXXX '' vacation in the XXXX, and loans. All I want to do is actiovate thje new care THAT I DID NOT ASK FOR If I ever experience this again, I will cancel my ssociation with your bank COMPLEtELY!!!! 

I still am not certain that I was able to renew my account. 

I had about six different promotions offered to me rather than the promised reactivation of my card.
Product: Debt or credit management

I paid off and settled down my account as offered by the debt collector ( Professional Finance Company ) on XX/XX/2024, and I requested them to report the update to my original debt creditor to correct my debt information on the credit agency. However, I contacted them several times, but the information from my credit agencies responded with no updates.
Product: Credit reporting or other personal consumer reports

Please remove all XXXX consumer dispute for these XXXX accounts. I already paid for them. 

XXXX Open XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Open XX/XX/XXXX XXXX XXXX Open XX/XX/XXXX Thank you for your help
Product: Debt collection

I have received notice that I owe XXXX XXXX XXXX XXXX for {$180.00} which is with Paragon Collection Agency from XX/XX/2016. I contacted Paragon Collection Agency and they said they do not have any information on this account - that it is with the " attorneys. '' I was transferred to the " attorneys '' and they said they have information under my name. I contacted Paragon back and they said they can't help me because it is with the attorneys. I am not getting any answers. I continue to get statements. I want to know what this bill is for and when so I can get this paid or it needs to be removed from my credit.
Product: Credit reporting or other personal consumer reports

All three credit bureaus : XXXX, XXXX, and transunion have reported inquiries I dont recognize. Pages of pages of inquiries that are not mine, must be removed and my credit score must improve as well due to the incorrect information all over my reports. 
For instance, I did not go bankrupt, and I demand that to be removed as well.
Product: Credit card

1. I have an American Express Credit card through XXXX and made major purchases and American Express was to pay me a percentage that was to be given back to me. They failed to give me my percentage in XXXX XXXX. XXXX quit accepting the American Express card the their stores after XXXX XXXX, XXXX. When I called American Express they told me they would send me my reward earned but they never sent it. 
2. In XXXX XXXX American Express changed my True Earnings credit card to a Blue Cash Everyday Card without notifying me. I understand American Express and XXXX were in talks then about the credit card that would be accepted at the XXXX stores. I was then told by American Express that I would be getting the new XXXX XXXX card. I called American express and was told that I would not be getting the new XXXX XXXX card because they changed my account to a Blue Cash Everyday card and only the True Earnings card would be given the new XXXX card. My mortgage is through XXXX fro the past 11 years and I have never been late on a payment. This concern was also listed by other XXXX members in the media. 
3. I have had had several credits on my American Express card and have been unable to get American Express to send me a refund. They sent me a refund of {$50.00} and then sent me the same amount of {$50.00} a few days later and has refused to send me all of my credits on my account since I have not used this account in some time. I have requested a manager to call me on several occasions but none has ever called me. I was also told that none is available. 
Credits $ XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/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: Money transfer, virtual currency, or money service

I am writing to express my dissatisfaction with a recent scam involving my Chime account. I received three calls from a Chime number, leading me to believe that I was speaking with a team member who would assist me with my account. However, the individual on the other end of the line attempted to deceive me into transferring funds to their personal account. 
I have attached the call log and the police report I filed after reporting the incident. I am curious to know the extent of the investigation conducted into the individual who provided me with the fraudulent instructions. I have consistently maintained a trusting relationship with Chime over the years, and I am deeply disappointed to have been a victim of this scam.i have never used pay anyone one chime and I wouldn't think I am talking to a trusted person and I get robbed of all of my funds. 
I was also told my evidence provided which is an incoming call from the chime number was not enough. 
They even told me that it was for the payment dispute and refund authorization that they were fixing account I would appreciate it if you could clarify the steps that need to be taken to resolve this matter and provide me with assistance in recovering the funds lost. 
Sincerely, XXXX XXXX
Product: Mortgage

While I now have seemingly countless complaints against Bank of America, the only reason for this is because of their continued avoidance to address the issues so they continue on even they inaccurately state the issues have been addressed, resolved, and closed. I still have n't figured out if it 's intentional, some sort of strategy, or just incompetence but that does n't really change the situation that they refuse to deal with the issues. It has gotten to such an extreme that the basis of this complaint is that they are now simply cut and pasting responses. This was never so evident as the last issue which was related to their simply providing document after document and it became impossible to keep up with disposing of the same documents over and over again but yet their response was related to another issue related to insurance. It was a precise cut and paste. The worst part is that the insurance issue was also essentially a cut and paste from previous issues but it required action on their part since they incorrectly accused me of not having insurance when I did and I fear they simply did n't even read the issue and did the cut and paste. This really is leading to the belief it 's incompetence but the funny/sad part is that everyone in this process is being paid for their time except for me and the only XXXX executive in this entire process. My motivation is to get answers, to get fair resolutions, it 's not to waste my time or anyone else 's but the second I stop responding and pointing out these issues is the point where all the previous time spent is for nothing and that 's now in the XXXX of hours which equates to XXXX of dollars. BOA does n't care about my time, they only care about greed and covering their butts when they do make mistakes. Again though and to ensure I 'm clear, the basis of this complaint is simply that they are now providing cut and paste responses which goes even further than their usual avoidance of issues.
Product: Credit card

I bought concert tickets on XXXX in XX/XX/XXXX and the concert is on XX/XX/XXXX. 
XXXX said they will send me the ticket on XXXX and I saw the same ticket was still on the listing on other website. 
It seemed like fraud to me so I disputed the transaction but Bank of America denied. 
I received tickets on XX/XX/XXXX, but different tickets that it was supposed to be. Seating is completely different. 
I can't dispute anymore since it's been more than 60 days from the purchase. 
And XXXX insists it's " better '' seating than from listing, but I don't believe so. Really, this is not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person a living being, and I have rights under 15 USC 1681. Equifax is governed by 15 USC 1681. They violated my rights numerous times. I demand that the accounts listed below to be remove accounting to 15 USC 1681. I have the right to privacy and did not give Equifax written permission to furnish these accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes in the past to have the account reported under XXXX XXXX Bank removed from my credit reports due to being inaccurate. I contacted XXXX XXXX Bank to dispute the information as well and have yet to receive a response. The latest letter I sent to XXXX, XXXX and Equifax to exercise my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information ... ect. Neither XXXX, XXXX nor Equifax, have provided me this information in the 15 day time period allowed and I am making this complaint to show abuse, bias, and prejudice by them not affording me my rights under the FCRA or deleting the information from my credit report.
Product: Checking or savings account

My name is XXXX XXXX. My husband, XXXX XXXX, and I have a joined account of Chase ending in XXXX. Unauthorized personnel ( s ) withdrew money from my checking account ending in XXXX. 
On XXXX XXXX, {XXXX} and {XXXX} were withdrawn without my authorization. 
On XXXX XXXX, {XXXX XXXX and XXXX were withdrawn for three times without my authorization. 
I left the United States on XXXX XXXX, XXXX, for XXXX, and returned on XXXX. XXXX, XXXX. 
My husband left the United States on XXXX XXXX, XXXX, for XXXX, and returned on XXXX XXXX, XXXX. When he returned to the United States, he realized those unauthorized withdrawals, and immediately contacted with bank clerk working in Chase. That chase bank is on XXXX XXXX XXXX, XXXX, NY, XXXX. 
The bank clerk, ID XXXX, who receipts me told me on XXXX XXXX, someone else used checks with signing my name to withdraw {XXXX} first, and then {XXXX}. That bank clerk showed me the check on a computer screen, but I recognized that it is not my signatures. 
Besides, I was told on XXXX XXXX, someone withdrew {XXXX for three times from ATM. These withdrawals were also unauthorized by me. 
The bank clerk reported the case immediately after my husband complained these unauthorized withdrawals. 
However, on XXXX XXXX, a letter was sent to my home stating that the bank denied my request for investigating and reimbursing my account. 
It is clear that my account was withdrawn for multiple by unauthorized personnel ( S ) for multiple times. My ID are not lost or stolen. I completely believe it is the responsibility of the chase bank to ensure the security of my account. I dont understand how others withdrew from my account with using bank check but I have no bank check with me at all, and how others using a fake signature on a fake check to withdraw from my account. 
The bank is not cooperating with my request and acts negatively on my proper requests. I hope CFPB could involve to figure out how I can get my stolen money back. It is the responsibility of the bank to protect my account but since they dont help me, I have no other choice. 
Please contact me if necessary. Thank you!
Product: Mortgage

Loan Modification.  This has been  a 10-year iss ue ( mortgage was born   XXXX   XXXX  , negative amortization ), the pursuit and continued pursuit of a loan modification.   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX   XXXX  , and now the loan servicer is " Shellpoint ''. I am in currently review for a loan modification, submitting documents full of bank statements, paychecks and more. Before my application is even fully received, a notice of trustee sale date has been assigned -   XXXX   XXXX   XXXX  . I have called them everyday, and receive the same message about them needing paperwork - and I have sent this paperwork, I feel they are stalling and are actively looking to foreclose rather than modify.  Two w eeks ago,   XXXX   XXXX   I am callin g Shellpoint an d sending requested documents.   XXXX   XXXX   I call, and they say no documents received.   XXXX   XXXX   I call, and they are closed for the  Holiday .   XXXX   XXXX   I am calling, and they say no documents received. Later that morning, I receive certified mail stating a trustee sale is scheduled  for three  weeks. Later that day, I cal l Shellpoint an d they say the documents received, are not complete.   XXXX   XXXX   I call - and they continue requesting documents that have been mailed, faxed & emailed. I have never spoken to my " Single Point of Contact '' - NEVER, and I have tried calling each  one o f these single point of contacts.
Product: Credit reporting or other personal consumer reports

fcra and ftc violations, 15 u.s code 1681a ( 2 ) ( A ) ( i ) ,15 u.s code 1681e ( b ), 15 u.s code 1681i, 15 u.s code 1681i ( 5 ) ( a ) ( i ), 15 u.s code 1681 c-1 violation, 15 u.s code 1681 c-2, 15 u.s code 1692g validation of debt requested multiple times requested copy of the application for credit on the accounts listed, requesting copy of cardholder agreement or contract and any amendments that may have been made thereto as this will show what the terms of the contract are so i can see exactly what you are pursuing and the amount that you are trying to collect from me. a copy of the full purchase agreement between you and the original furnisher or furnisher in chain, so that i can be sure that you have the proper legal capacity and authority to collect this alleged debt that you claim that i owe you. as you can surmise, i have never done any business with you. 

The following addresses are not mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I had an account with XXXX above 3 years ago that I had terminated. Upon termination I had my account sent to collections stating I owed money. I spoke with XXXX and they verified I did not owe and sent me a refund check. 

Since then I have had XXXX different collection agencies show up on my report showing this account. Each time I dispute the account and then months later another account from a different agency pops up. This is becoming a huge pain and I am having to regularly check my report just to make sure another collection agency has not been added. 

Clearly that original account was sold to multiple agencies and XXXX refused to notify them so now I am being bombarded with collection attempts for a dept that was proven not mine. 

Below are the XXXX collection agencies ; XXXX, XXXX, I.C XXXX Systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is charging me monthly for two accounts that I have repeatably requested to cancel. When I call into Equifax they say that they have cancelled the accounts, however I continue to be billed for these accounts. When I request a refund they tell me that they do not have a refund policy and that I have to wait an indefinite amount of time for an investigation. I am fed up with this and this is robbery.
Product: Vehicle loan or lease

After dropping my car off with the dealer and finding out I no longer had a warranty to fix it I called the finance company to see if they would extend my loan to help get my car fixed that was not successful and I told them to come get it. they did and have resold the car. since then my credit is showing as an open account but the notes say it was charged off. Prior to the note I filed a dispute with transunion asking them to delete this because the information is inaccurate. They instead updated my report with said note.