23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company purchased an old debt from Bridgecrest XXXX in XXXX in the amount of {$10000.00}. They have added excessive fees to this purchased debt and now they are trying to collect {$19000.00} from me. 

They are in violation of the Fair Debt Collection Practices Act as follows : FDCPA 807. False or misleading representations ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX/BRIDGECREST FINANCIAL. The very next day I had to take the car to a XXXX dealer to get them to fix the transmission. A few months later the car was repossessed by XXXX/BRIDGECREST XXXX The car was sold at auction shortly thereafter and XXXXBRIDGECREST XXXX  sent me a notice of deficit after the auction sale. Being unemployed and homeless I did not have any funds to pay the deficit. The balance remaining after the sale of the vehicle at auction was approximately {$5000.00} This company XXXX XXXX XXXX purchased the debt from BRIDGECREST XXXX and is now trying to collect {$19000.00}. They have added excessive and burdensome fees to the original debt and refuse to give an accounting of where the additional $ XXXX is coming from. Why is this amount so high? What are the hidden fees? Why are they charging three times the original debt? They have refused to provide me with a detailed accounting of where these charges are coming from. XXXX XXXX XXXX  is now trying to collect {$19000.00} for a car that BRIDGECREST XXXX sold at auction 5 years ago. BRIDGECREST XXXX DELETED THIS ITEM FROM MY CREDIT REPORT and now XXXX XXXX XXXX is trying to collect a debt on a car which I no longer own for an amount THREE TIMES the original debt with absolutely no accounting of where these charges they claim I owe is coming from. THEY ARE TRYING TO COLLECT {$19000.00} for vehicle that was repossessed and sold 3 years ago. The vehicle was valued at {$5800.00}. They have not provided a detailed breakdown of how they arrived at {$19000.00} due and owing. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from XXXX XXXX XXXX with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay XXXX XXXX XXXX '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and XXXX XXXX XXXX They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX XX/XX/XXXX COLLECTION AGENCY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  VA XXXX Subject : Identity Theft and Unauthorized Account - Request for Investigation and Resolution Dear Sir/Madam, I am writing to dispute an alleged debt that has been reported to your collection agency and to inform you that I am a victim of identity theft. I recently discovered the presence of this account on my credit report, and I am confident that it is a result of fraudulent activity. I request your immediate attention and cooperation in resolving this matter. 

Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Date of First Delinquency : XX/XX/XXXX Amount Owed : {$1000.00} I have attached supporting documents that demonstrate my innocence and substantiate my claim of identity theft. These include : 1. A copy of my official identification ( e.g., driver 's license, passport ) to establish my identity.

2. Copies of my credit reports from XXXX, TRANSUNION, and XXXX, clearly indicating the unauthorized account and highlighting the fraudulent activity. 

3. Any additional evidence or supporting documentation that supports my claim of identity theft ( e.g., police reports, letters from other financial institutions acknowledging the fraudulent activity ).

I understand that it is crucial to take immediate action to protect my rights and resolve this matter. Therefore, I kindly request that you take the following steps : 1. Initiate an immediate investigation into the reported account and provide me with a detailed response within 30 days, as per the Fair Credit Reporting Act ( FCRA ).

2. Cease all collection activities related to this account until the investigation is complete. Any negative reporting to credit bureaus should be suspended as well.

3. Provide me with written acknowledgment of my dispute and confirmation that you have received the attached documentation.

4. Share all relevant information about the alleged debt, including the original creditor 's contact information and any supporting documentation you possess.

I must emphasize that I am not responsible for this debt, and it is vital that you rectify this situation promptly. I expect your full cooperation in investigating this matter thoroughly and providing a resolution that clears my name from any association with this fraudulent account.

Please note that failure to comply with my request or the continuation of collection activities on this account may result in legal action being taken against your collection agency. 

I can be reached at ( XXXX ) XXXX or XXXX should you require any additional information or documentation. I expect your prompt attention and resolution of this matter. Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX XXXX XXXX DOCUMENTS BELOW : DL ( PROOF OF IDENTITY AND ADDRESS ) SNN ( PROOF OF IDENTITY ) POLICE REPORT ( PROOF OF REPORTED IDENTITY THEFT ) BANK STATEMENT ( PROOF OF ADDRESS ) PHONE BILL ( PROOF OF ADDRESS ) CREDIT REPORTS ( FROM ALL XXXX BUREAUS )
Product: Checking or savings account

I'm sorry but your questions do not really address my issue. I am reporting an email I received from Navy Federal Credit Union stating I have a new important message and to go to online banking to view it. These 2 messages were received via email on XX/XX/XXXX. I did not click on anything. I blocked them from my email. Today XX/XX/XXXX I woke up to another being sent around XXXX and is sitting in my email. In each of the emails heading from Navy Federal Credit Union there was a different name next to that from edu. I do not have a Navy Federal Credit Union account nor have I ever. I am sure this is a scam looking to harm to anyone who will click.
Product: Credit card or prepaid card

I had a closed American Express Gold Credit Card ( Account Ending XXXX ). I am in the process of refinancing and tried to payoff this credit credit through the escrow. Both the refinancing bank ( XXXX XXXX XXXX ) and I both tried to get a payoff statement from American Express Customer Service. The agent and the supervisor told me that they can not provide the payoff information which good for 30 days in writing. The said this is the company policy. I asked where I can find it in the term and condition of the I believed the credit card company has had to provide the payoff information to the consumer on demand. The only reason that I can think of is the company does not want the consumer to payoff the card faster. 

I hope the agency can investigate this issue which affect the right of the consumer to payoff the credit card faster. 

Thanks. 

XXXX XXXX XXXX American Express Card Holder
Product: Credit reporting or other personal consumer reports

I was stunned to see inaccurate accounts on my credit report tonight, with no explanation for how they got there. I check my report regularly, and suddenly, these errors appeared out of nowhere. I even tried refreshing the page, thinking it might be a glitch, but the incorrect accounts stayed. Because of this, Im asking that the documents I submitted are thoroughly reviewed so I can have peace of mind moving forward.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX, XXXX and EQUIFAX credit report and found the following accounts listed as late payments on my credit report on top of the inaccuracies : Account # : XXXX Account # : XXXX Account # : XXXX Your company is in clear violation of the law under 15 USC16811b - Permissible purpose of consumer reports. THE LAW CLEARLY STATES : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

*I DID NOT GIVE YOU PERMISSION TO FURNISH THESE ACCOUNTS AS LATE.

THE FAIR CREDIT REPORTING ACT PROTECTS ME AS A CONSUMER AND STATE THIS TYPE OF ( reporting ) is *EXCLUDED* FROM FURNISHING AND REPORTING.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to ( transactions or experiences ) between the consumer and the person making the report ; A LATE PAYMENT IS A TRANSACTIONAL EXPERIENCE BETWEEN MYSELF AND WHO I DO PRIVATE BUSINESS WITH.

*DELETE THE LATE PAYMENTS ON THE ACCOUNTS IMMEDIATELY.

*DO NOT DELETE THE ACCOUNTS.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practice Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 usc 1681 violations for willful noncompliance - 616 Civil Liability for willful noncompliance 15 USC 16811n Negligent Enablement of Identity Fraud I will start a complaint with FTC and will reach out through proper communications.
Product: Credit card

I am writing to report an issue I have encountered with activating my XXXX credit card after switching from an XXXX to an Android phone. 

Several years ago, I used an XXXX and had an XXXX credit card issued through Goldman Sachs. Since then, I have transitioned to an Android phone. My XXXX credit card has expired, and I am unable to activate a new card due to the requirement of having an XXXX. Despite owning multiple XXXX devicesnamely an XXXX, XXXX, and XXXX am still unable to complete the activation process. 

I have logged into the XXXX XXXX XXXX and have contacted customer support for assistance. However, I was informed that activation can not be completed without an XXXX. According to customer service, the only resolution offered is to file a formal complaint. 

I am seeking assistance in resolving this issue as it has caused significant inconvenience. I would appreciate any support or guidance you can provide to help activate my credit card and address the requirement for an XXXX. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter in reference to XXXX that your company is currently reporting to XXXX, XXXX and XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 3002 I am a natural person which means my name in all caps is not me. My name is XXXX XXXX XXXX XXXX 15 USC 1681a ( 3 ) ( E ) ( e ) The term investigate consumer report means consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

15 USC 1692 ( A ) ( 1 ) The term Bureau means the Bureau of Consumer Financial Protection. Transunion, XXXX, XXXX, and XXXX Is acting as a consumer reporting agency as defined in section 603 ( f ) of the FCRA under 12 CFR Part 1022 Regulation V. 

Who did Transunion, XXXX, and XXXX interview and can the provide the interviews with neighbors, friends, or associates of the consumer reported on? 

DEPARTMENT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) PREFERRED CREDITOR The accuracy and integrity of these reported accounts are misleading and inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX HAS NO RIGHT TO SHARE MY NON PUBLIC PERSONAL INFORMATION, THEY NEVER GAVE ME AN OPTION NOR DISCLOSE TO OPT OUT. EXPERIAN BEING A THRID PARTY AFFILIATE, HAS NOT AS REQUIRED UNDER FEDERAL LAW. 
PURSUANT TO 12 CFR 1016.4 Initial privacy notice to consumers required. 

( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party, if you make such a disclosure other than as authorized by 1016.14 and 1016.15 of this part. 

XXXX HAS NEVER DISCLOSED ANY OF THIS TO ME
Product: Checking or savings account

On XX/XX/2021 I've purchased XXXXXXXX XXXX XXXX XXXX from XXXX for {$140.00}. On XX/XX/2021 my ordered finally arrived, but when I opened my package the order was wrong it was XXXX XXXX XXXX clothes. I contacted XXXX about the order issue the same day I received the package and they responded with " If you would provide photos of the items you did receive so we are able to share with our fulfilment team ". I sent my order number with the products I purchase and the products I received in the email, but after that no one have gotten back in contact with me. So XX/XX/2021 I reached out to the XXXX customer service once again asking them will the order ever get resolved sadly no one from the company reached out to me so I put in another order complaint through the website still no one reached out to me or fix the problem. On XX/XX/2021 I put in another complaint through the company 's website about bad customer service and my order. After having unsatisfied service I decided to just dispute my order through my bank account Chime while still contacting XXXX about my order. On XX/XX/2021 XXXX finally responded " We see that they have filed a charge back and unfortunately, at this point we are unable to process a refund or a replacement order. Please work with your bank for final resolution. '' On XX/XX/2021 Chime responded back to inform me " Based on there investigation no error occurred so this claim is considered closed ''. So I reached out to Chime Customer Service team over the phone and sent evidence of my wrong order issue through email as the employee told me to do. Then was transferred over to the dispute department to talk to someone. An automated response was email to me letting me know my written claims form has been received and being reviewed by the Dispute Team. XX/XX/2021 Chime responded once again saying the additional information I provided did not change the company 's decision and no error occurred. So on the same day XX/XX/2021 I reached out to Chime Customer Service again and the employee repeated the same solutions " send evidence " so I sent the same evidence as I did the last time hoping the issue gets resolved after having to keep repeating the same process over and over again. I've been waiting for a responded about my status so finally decided to give Chime another call. Sadly my claims didn't even have a status because the employee never sent over any paper work about my claims. So I asked for a manager and she told me the same thing " Send over evidence " so after getting the run around I asked the Chime Manager can I have corporate number but she refused stating Chime doesn't have a corporate number and no one over her can help me with the situation but her. THE SITUATION NEVER GOT SOLVED!
Product: Credit card or prepaid card

I had a XXXX XXXX XXXX XXXX I had a balance on it and did a balance transfer to My Discover Card Credit Card , Discover sent an electronic payment to XXXX XXXX XXXX XX/XX/2022 for {$1900.00}, XXXX XXXX said they cant find it, i called them and was told i could not go a balance transfer and would send the money back to Discover, they did not, i assumed it had been sent back to discover, So XXXX did another balance transfer and sent me {$2000.00} to pay off XXXX XXXX XXXX, by the time i did this amount had gone up. So i received the money from discover and paid off XXXX XXXX XXXX, paid a small amount more and paid off XXXX, Discover is now charging me for both balance transfers, one for {$1900.00} and one for {$2000.00}, the later one of {$2000.00} is correct, the {$1900.00} Discover sent is still unaccounted for, Discover said they electronically sent it and have confirmation and XXXX says they cant find it, I have reached out to both companies and Discover said XXXX refuses to talk yo them because they are a third party, Discover says i owe it and my responsibility to get the money back from XXXX, I would think Discover would have a legal department that could make XXXX give the {$19000.00} back to them, and XXXX told me they cant find it, so please mediate between these two companies, i am currently paying the {$1900.00} to Discover, this is not fair to me, and both companies will not get together and works this out. Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2018 I relocated to a new state and decided to close my local account and credit card with 5/3 bank. I went into a branch in XXXX KY and closed my account and instructed banker to close my card and paid my credit card in full. I was handed the remaining balance after full payment on my card in cash and was told to shred my card. I never received any mail or further contact from 5/3 indicating my card was open and had a balance. I was not aware until this year when I requested a credit report that my card I was told was closed and paid in full actually was open and had a {$2.00} balance that is now listed as a serious delinquency for being unpaid. I contacted 5/3 and they confirmed that this was their mistake and they would remove this and notify credit bureaus but that did not happen as it still shows up on my report. I also placed a consumer statement on my report at the time explaining as well. I need this resolved as this is inaccurate and unfair and I am being penalized for something that was not my fault. I have always used all credit responsibly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX  XXXX DATE OPENED XX/XX/XXXX BALANCE {$46000.00}.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

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
Product: Debt collection

I have tried multiple times to get Equifax to take off a collection debt from XXXX XXXX XXXX from my credit report. I have a collection for an apartment that I used to live in. I have provided documentation to Equifax showing that I had moved from this apartment and removed from the lease signed by the Management Company. They for some reason still insist that this is my account. The " validation '' I received was a water bill that they forgot to change out of my name. I can not be charged for rent for a place I did not live and took all the steps necessary by the management company to leave.
Product: Mortgage

XX/XX/2016 I called Quicken Loans looking for general info re : a refinance. I later learned of a " Hard Pull '' having been performed on my credit that resulted in a XXXX pt. loss to my score. I immediately called back and complained about the loss and was told I gave permission for the " pull '' which I contested then as I do now even after hearing the conversation as it was recorded originally. QL escalated my complaint and researched the call and did call me back with their results. 
As I explained to them all I want is to be made whole and a cursory inquiry as to what refinance options they may have had available should not have cost me those XXXX points. I covet each and every point of my score and at no time did I make application for QL to proceed with an offer to refinance my mortgage. 
In the recorded conversation QL played back to me and used to authenticate my acquiescence to the credit pull, I disagree with their conclusion that the recorded phone call indicates I authorized the pull. 
Thank You XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX  XXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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