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

I submitted a complaint to Experian through the CFPB in regards to XXXX XXXX XXXX. Complaint number is XXXX I am resubmitting the complaint due to in correct and inaccurate reporting by Experian. I have responses from XXXX and XXXX stating removal of Both XXXX XXXX XXXX collection accounts being removed from my profiles with each bureau. However Experian did not remove both X XXXX XXXX XXXX XXXX collections accounts from my Experian credit file. Due to laws stating that reporting bureaus must ensure complete and accurate information i am formally requesting both XXXX XXXX XXXX collections accounts be removed from my credit file. In addition my complaint was submitted XX/XX/2024 and i did not receive a response until XX/XX/2024 which is well over the XXXX  day time frame that is allowed in which a response is supposed to be submitted
Product: Debt collection

My daughter is extremely ill and this business has been notified. They have been informed numerous times about this. They have disclosed her personal information, called her cell phone numerous times ( as her family is in possession of it at this time ), stated she has a " claim '' etc. I have filed a complaint with the XXXX the Federal Trade Commission, and now your agency.
Product: Credit reporting or other personal consumer reports

Per the FCRA as a Federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written or non written verbal or non verbal I am now rescinding that authorization via 15 US code 6802 effective immediately and indefinitely. The law states that I have the right to opt out of anything reported on my credit report. Starting today XX/XX/year> : XXXX XXXX XXXX I would like to opt out of all this being reported on my credit report. I expect prompt compliance with this request and confirmation of the opt out within 30 days of this CFPB complaint.
Product: Credit reporting or other personal consumer reports

I am respectfully filing a Retaliation and Discrimination Federal Complaint against XXXX XXXX  Credit Card Bank who has filed a Law Suit against me at the XXXX XXXX XXXX XXXX XXXX. Case # XXXX. I personally attended the court hearing today at XXXX XXXX  at Civil Commissioner Courtroom H, Department XXXX, XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. XXXX XXXX was present as she was subbing in for Honorable XXXX XXXX. XXXX XXXX said the next step is XXXX. XXXX  XXXX XXXX of XXXX and XXXX XXXX Firm was present via Zoom and gave the name and number of the lawyer attending this case. The name is XXXX XXXX at XXXX. The firm requested me to remove the " Do Not Contact Number. '' I never implemented a " Do Not Call Number '' I have respectfully has stated to be contacted by email of my respectful preference. 
XXXX XXXX Credit Card debt total debit is {$8100.00}. I am respectfully requesting a Debt Validation and settlement between {$45.00} to {$50.00} a month as it's my affordability. 

Why is XXXX Bank Credit Card forced a lawsuit against me and use their Law Firm to Retaliate and Discriminate against me, because of my XXXX XXXX as a XXXX U XXXX American Citizen.? 
XXXX Bank Credit Card XXXX file a lawsuit against me, because I file various Federal Complaints with XXXX XXXX XXXX XXXX with Cases Submitted on XXXX XXXX with Cases # XXXX and # XXXX on XXXX XXXX. 
I am respectfully requesting this Retaliation and Discrimination Complaints against XXXX XXXX  Credit Card be filed with US Department of Justice immediately. 
Extreme Very Urgent Matters! 


Notice : XXXX Credit Card Bank : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has sent me a recent email stating that he is conducting a investigation on the Debt issues and lawsuit. 
Respectfully, Mr.Chris H investigations will be in the best XXXX XXXX XXXX XXXX Credit Card Bank and not in my favor. 
His email : XXXX XXXX # XXXX
Product: Bank account or service

This would be the second complaint I have against Chase in a one month period. There have been a total of 3 for the year and we are only in XXXX. 
I was considering signing my children up for an after-school program so I started filling out paperwork. There was miscommunication and they withdrew the registration fee ( XXXX ). I realized they took it and immediately called Chase. I had other things that would be coming out of the account and knew this would cause the account to go into the negative resulting in overdraft fees. The agent I spoke to advised me to call the merchant and have them refund the money. She also told me that once the fees were charged to the account to call and they would be able to reverse them. I told her they have told me I 'm no longer eligible for the courtesy fee reversals and she advised me that this was a different situation. That because of a merchant taking funds without authorization, it was not my fault the account would be negative. I asked her to write a note in the account since in the past I have been told one thing but then told that other person was wrong. That is the main problem I have been having with this bank in the past year. The agent assured me she was notate the account and there would not be an issue. 

Well ... there is an issue now. Chase refuses to refund the XXXX overdraft fees that I was charge because of this situation. They also told me nothing was notated in the account. So Chase gets away with charging me another XXXX over miscommunication with a merchant. The merchant took the funds on XXXX XXXX and refunded them on XXXX XXXX.
Product: Mortgage

To Whom It May Concern, we have been fighting Nationstar Mortgage LLC, hereafter referred to as Nationstar, for the better part of the past 2 years. We adamantly dispute who Nationstar claims is the beneficiary of our debt obligation. We have written Nationstar many times in regards to the ownership of our alleged debt and to date they have not addressed our concerns and questions. Because of Nationstar 's refusal to comply with our requests, we are filing this Complaint. The entity Nationstar claims is the owner of our alleged debt is The XXXX XXXX XXXX XXXX XXXX as Indenture Trustee for Nationstar Home Equity Loan Trust XXXX. We dispute this information because this alleged transfer occurred when the debt was in default. We understand that pursuant to the FDCPA, when an assignee obtains a debt while it is in foreclosure, it is a debt collector and not a creditor. Based on this fact, we believe Nationstar is falsely representing the character of the alleged debt in violation of the FDCPA. This information needs to be addressed prior to Nationstar participating in any non-judicial action. We presently have a foreclosure date set for Tuesday, XXXX XXXX, 2017. We understand that under the Fair Debt Collection Practices Act, hereafter referred to as FDCPA, 15 U.S.C. Section 1692f ( 6 ), Nationstar is a " debt collector '' because they are attempting to enforce a security interest in which they have no legal authority or right. As a " debt collector '' without legal authority or rights they can not proceed with a non-judicial action against our property pursuant to 15 U.S.C. Section 1692f ( 6 ). Under the FDCPA, a debt collect may not use unfair or unconscionable means to collect or attempt to collect a debt and more specifically they may not take or threaten to possess or disable property when they have no enforceable right to the property. We are filing this complaint because we are beyond frustration and anger that Nationstar is taking this action against us without legal right and authority. We believe if we do not file a Complaint, they will continue to blatantly disregard the law and fraudulently and wrongfully foreclose on our home.
Product: Credit reporting or other personal consumer reports

I paid off close to {$50000.00} in student loans in the last few years. XXXX XXXX in Tennessee is not reporting this information to the credit reporting bureaus. The credit reporting bureaus all show I have {$20000.00} worth of student loans unpaid and I have paid them off 100 % and this information needs to be reported.
Product: Mortgage

We refinanced our home with American Pacific Mortgage and the first payment was due XX/XX/XXXX. I mailed a check in on XX/XX/XXXX that was cashed on XX/XX/XXXX. Shortly after the check was cashed, I received notice that the loan was sold to XXXX XXXX XXXX. American Pacific Mortgage has no record of receiving my payment even though I have provided them a copy of the cashed check. My mortgage is late and they have said they are researching the issue several times and don't seem to be locating my payment, which needs to be transferred to XXXX.
Product: Debt collection

Title Max in XXXX has made numerous attempts to collect a debt owed to them by a woman with the same name on a vehicle I do not and have never owned. The only commonality we have is our names. She has a different birthdate, address and last XXXX numbers of her social. They have left notices on the rental house I own and a family members address which I do not live at. After speaking to them ~6 weeks ago I was assured that they would remove my addresses from their system and I would not be bothered again. 
Today a tow truck company they subcontract showed up to the house I rent and live in to collect the vehicle. " XXXX '' in XXXX claims they got this address from Title Max. I spoke with Title Max again and they claim they do not have my current address anywhere in their system and they do not know how XXXX got it. 
At this time I am being continually harassed by Title Max and their subcontractors over a debt I have never had with them. I believe they used my name and Google to try and find the woman who has outstanding debt with them. I am concerned that they will show up to my place of work or other family member addresses and continue to harass me. 

Title Max in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXXPhone ( XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The information reported by XXXX XXXX is FALSE. XXXX XXXX  was contacted several times to request a payment arrangement on the account due to loss of employment. Please note that as requested, XXXX XXXX was also provided with proof of unemployment. After waiting to hear back from XXXX XXXX ( because there was no response to the letter or the fax that was sent to them ), I then called again and was told that I was eligible for a special benefit program that covered events such as loss of employment but in order to qualify the account would have to be closed. It was my understanding that due to the " qualifying event '' the account was being closed without any further obligation by the consumer. However, the attached letter from XXXX XXXX stated that they EMAILED me a payment plan offer that I did not respond to which again is false. I am requesting to have XXXX XXXX   provide proof of the allege emailed that was sent so that I can have it investigated by XXXX/XXXX. Additionally, I am requesting to have the negative remarks removed from all three credit bureau reports and have the account updated to " closed/never late '' because the account is still reporting as late each month although it has been closed by the creditor.
Product: Credit reporting or other personal consumer reports

A while ago I noticed that there were so many inaccuracies on my credit report and I didn't know where they came from. So, I requested validation ( in the form of the original contract ) from the bureau for each fraudulent account so I could get to the bottom of who was using my identity, once and for all, and to get this information removed. I sent in a letter and an FTC report just like the bureau requested XXXX months ago. I still haven't received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on my report.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$450.00XXXX XXXX XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

Zelle account was hacked and {$1000.00} was removed from my XXXX XXXX savings account.this person also added themselves as a recipient on my account and changed the credentials to my online banking with XXXX XXXX. I called the company that same day and they couldnt pull up details of the transaction to prove that it was not me. All they did was help me change my credentials.
Product: Debt collection

XXXX XXXX XXXX XXXX IS ATTEMPTING TO COLLECT A DEBT BY USING AN INTIMIDATION tactic by placing the UN-VALIDATED collection on my report. Under the law, they are NOT suppose to do that! That is considered collection activity! This Debt needs to be deleted immediately. I have NO signed contracts with them OR THEIR CLIENT!!
Product: Debt collection

I received an email stating that a debt collector called collection bureau of fwb has been placed on my credit report back in XX/XX/2013 for {$57.00} dollars. I disputed this many times stating I have no knowledge of this account, I never even heard of XXXX XXXX. I'm very upset that this has been placed on my account due to me not even knowing about this medical facility of whatever this maybe. I've tried contacting this place to notify them that I have no knowledge of this account and to remove this off of my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX  - XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent inquiry in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this inquiry was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, please help me immediately delete this inquiry. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple layers of issues with this account that start with it being opened without my knowledge. 

Once the account was opened and I was aware when the collection process started. Multiple requests for copies of lending documents, application documents and supporting authorization were requested however XXXX responded that I needed to register online, which I did and no documents were available. I went back to the lender and requested again and was told these were in archive an were not available. They indicated they would take me to court for various charges including wire fraud, and I provided all current contact information. Nothing materialized except further collection threats. At one point a settlement was requested due to the 96 % interest rate increasing the " payoff '' well over 20K however they said to send in XXXX and the rest would be cleared. XXXX refused to put any settlement in writing. 

It has now been nearly 7 years and the account should be coming off my credit report as I am preparing to buy a home. However XXXX is now falsely reporting the payment history. This account has had no activity since XX/XX/XXXX. Therefore the account would have gone 180 days delinquent XX/XX/XXXX. Unfortunately this company is now falsely reporting the payment history on this account by updating the payment month that is exactly 4 years ago to XXXX from XXXX forcing my credit score to drop due to what appears to be recent account history. Each month I watch my score increase to over 600 and then when they report this updated payment my score then drops to about 570. 

I do not own this account and the lending company has been unable to provide any documentation.
Product: Debt collection

The alleged debt item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. The collector has been harassing me, by trying to collect some inexistent debt, and failed to verify any liability bearing my signature. 

1 ) The collector is harassing an individual, by trying to collect the inexistent debt from a corporate, while the individual in no way ever signed and obligated himself jointly any agreement.

2 ) The collector failed to provide any bearing signature agreeing on the alleged renewal agreement regarding the amount pretended.

3 ) The alleged renewal agreement in any case is out of the statue of limitations in any case.

4 ) The collector is harassing by sending emails, and calling to a corporate phone owned by my actual employer, in addition to be sending letters to a property which has caused complaints against me. 

The Collector has been instructed to Cease and desist any type of communication that is resulting in harassment, and potential claims due to non-compliance of federal laws under the Fair Debt Collection Practices Act, and the corresponding local state laws including the violation to individual civil rights for willful non-compliance. 

Failing to provide a copy of any alleged contract, or other instrument bearing my signature and may result in a small claims action against the collector, and the associates harassing. 

I am seeking a minimum of {$1000.00} in damages per violation for : Defamation Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) In addition to violations to my civil rights.
Product: Checking or savings account

First week on XXXXXX/XX/2023 -- -- making deposits small, nonetheless, my account was closed through email within first 10 day of 2023 Was willing to resolve -- -- account closed
Product: Credit reporting

Experian is listing a credit collection account ( XXXX XXXX XXXX - Acct # XXXX ) that does not belong to me. I would like to have it deleted.
Product: Debt collection

In 2022 I reported this online credit card account to Capital One as not being my debt. Subsequently in 2023 I filed with all XXXX credit reporting agencies that it was not my debt. After their investigation it was determined that it was not. At this point I had not received any correspondence from Capital One regarding the debt. In XXXX of 2023 I contacted XXXX as I was getting other credit card bills and/or debt collection letters. XXXX informed me that they had failed to put a freeze on my credit reporting account informing me of all the attempts and accounts in my name. All of these accounts were XXXX XXXX. The Capital One debt was included in this. In XXXX of 2024 I received a demand for payment from XXXX XXXX XXXX XXXX for a Capital One credit card. I immediately contacted them explained the situation and requested forms from them to file this as XXXX XXXX. I then contacted Capital One and requested the same thing. XXXX weeks later Capital One credit card services sends a letter stating their investigation shows it was my debt. They went so far as to say they had my banking account number in which that was prove the debt was mine. There is no way they have my banking information. They then said they sold the debt to XXXX XXXX XXXX XXXX. XXXX again I contacted XXXX went over the situation again and requested the XXXX XXXX forms. Once again I told them it was not my debt. I was sent copies of the purchases made nothing else. Additionally, XXXX XXXX XXXX XXXX has made phone calls to me at XXXX a.m.and XXXX p.m., have used a relatives email to contact me, and sent repeated demand letters to me when I have repeatedly told them it was not my debt and to stop their harrassment.
Product: Debt collection

ABILITY RECOVERY SERVI XXXX XX/XX/2018 balance # {$2000.00} This account is not my responsibility. You belong to my medical insurance, please make a more thorough investigation and I have communicated directly with my medical insurance which has notified me that this debt is not my property ... please I need a resolution immediately ... .. I request all negative action in my credit report be corrected, eh deleted. Any kind of balance please contact, directly ... with the medicare office they are available ... thank you very much I hope solution immediatel
Product: Credit reporting, credit repair services, or other personal consumer reports

all three bureaus are reporting accounts as credit accounts. Which is a violation of the 15USC 1681 Consumer Law. These accounts are charged off accounts they have been paid to the credit furnishers under the FDIC and are now considered income per IRS Laws. 
They are being reported as Credit they need to be removed immediately. I have sent letters to them repeatly but they have refused to remove these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve errors on my report since XX/XX/XXXX. It is now XXXX. There are inaccuracies with the following accounts that per the FCRA should be removed : XXXX is showing derogatory status. The CRA continues to state verified yet has not sent me viable proof of validation. They refuse to remove account even though I've sent proof that the CEO of XXXX can't find the account and that the CRA can't verify since I've frozen my reports with all 3rd parties. I've attached copy of FCRA, Copy of letter from CEO and proof that all 3rd party reports have been frozen. 
XXXX opened XXXX, is showing derogatory status. The CRA continues to state verified but has not sent me copy of original contract or anything else that would be considered proper debt validation. Furthermore, this account was sold and a write off, thereby making me not liable for this account. Also, I've frozen all third party reporting so for CRA to state verified is fraud. 
Get it Now Account opened XX/XX/XXXX shows late payment and status of closed instead of paid as agreed. Since late payments listed fall under Cares Act and this account has been paid in full, it is being reported inaccurately. The CRA refuses to fix errors or delete account despite them being unable to verify or property provide proof of validation. 
Get it Now Account is showing balance despite being paid off and paid in full since XX/XX/XXXX. 
Currently this CRA is in violation of section 623 ( a ) ( b ) regarding these accounts. I've attached copy of the FCRA, Copy of Cares Act, Proof that third party reporting is frozen and Copy of XXXX CEO email. This CRA is in clear violation of my rights and FCRA.