23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My sister received a call from XXXX XXXX " claim XXXX '' stating that he has legal documents to issue for me. To mention he never made any calls, nor provided any written communication to me. I return call to number provided XXXX XXXX XXXX  and it went immediately to voice mail of XXXX XXXX now Claim Director no longer investigator. I left voice mail with my name and contact informations. Shortly after I got call from XXXX. I answered and another female XXXX XXXX called and said that she is there to work with me on settling my debt. She told me that I owe {$1900.00} to XXXX and that her company ASG Solutions LLC is hired to collect debt. No official " This is an attempt to collect debt '' I informed her that Advance.cash. com was not licenced in my state and that I spoke with them informing them that I will stop making payments until they provide me with information that they are legal to operate in State of Nevada. I made total of 5 payments for {$240.00} each on {$900.00} loan before I stoped making payments to them. They never provided info back. I ended up paying {$700.00} with XXXX just to stop disturbance of my parents and sister. I believe XXXX XXXX lied and make false claim about legal documents. They used unfair collection practices on loan that is not enforceable. Contacting others then me was wrong as well. They had no records of any written communication to me. I wasn't allowed to dispute the debt as per law.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 these fraudulent accounts in my report and Transunion 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, these accounts were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX XXXX  Balance : {$360000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX Balance : {$9.00} XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX  XXXX Balance : {$23000.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$450.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently wrote a letter to the credit bureaus to do an investigation of my credit report to check the accuracy of the accounts and personal information. They stated all my accounts and personal information was accurate and update. So I did an even thorough investigation myself and found improper inaccuracies on my credit report even after they said they did there investigation. I Researched my own rights and found this .... in accordance with the Fair Credit Reporting act 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 .Below I am listing all the accounts that I found was to be wrong. 

Account Name : XXXX XXXX Account : # XXXX Each credit bureau is reporting different late payment status as well as the date of last reporting. I have attached my credit report as well as proof of my letters being sent to the credit bureaus and no investigation being done. 

Account Name : XXXX  XXXX Account # XXXX I have asked for this account to be removed because the account is not mine and is someones account affecting my credit score negatively Each credit bureau is reporting different information and XXXX doesnt even show this account belonging to me. 
Account Name : XXXX Account # XXXX Each credit bureau is reporting different " dates of last active, '' date of last payment, '' and " payment status. '' Account Name : XXXX XXXX XXXX XXXX Account # XXXX Balance : {$6100.00} This account is only reporting from XXXX and no other credit bureau. I have already disputed this as a fraudulent account yet experian continues to hold this account on my credit report. 
Account Name : XXXX XXXX XXXX Balance : {$25000.00} This account is only reporting on Transunion and no other credit bureau. I have already disputed this as a fraudulent account yet Transunion now continues to hold this account on my credit report. Account Name : XXXX XXXX XXXX This account has so many inaccuracy from date opened, to balance due, payment status, and date of last active. The credit bureaus did not due an investigation into this account to verify the information is correct.. 
Account Name:XXXX XXXX XXXX XXXX XXXX Account XXXX This account is only reporting negatively to two credit bureaus which is Transunion and XXXX. Which both these bureaus have different dates of opening as well as when the account was even active.
Product: Mortgage

A downed powerpole burned my barn and shop to the ground XX/XX/year>. The insurance company only paid out 20 % of my home value, money of which I had to send to the company holding my mortgage, PNC bank. Since that time, they gave me a payout of {$61000.00} of which I used to demo all the contents inside the building wood frames roofing etc, and paid a company to take out the old foundation as it was damaged beyond repair. I also paid an XXXX to prepare the next building. During that time, I had a few contractors give me bids to rebuild the new building, of which is going to cost me over {$700000.00} to build exactly what was there. Unfortunately, I have to sue the power company as they only want to give {$200000.00} to build the barn back. That would be a total of {$380000.00} going towards a {$700000.00} barn. In the meantime, I am trying to start the building process and the bank will not give me the {$100000.00} to start the foundation work stating they want it 25 % complete before they will give it to me. For some reason they think {$60000.00} will put a 25 % dent in a {$700000.00} barn. I need the money to get started on my barn and I have been fighting with them for over XXXX months. My home is worth {$1.00} XXXX XXXX  without the barn and I only owe {$460000.00}. I do not feel it is ethical that they hold that {$100000.00} while I am trying to finish something that burned to the ground, all the while I do not have a barn anymore to cover my tractors, hay and small farm equipment. Please help me get my money.. 

I have done everything they requested and they keep denying me. It is bad enough I have to fight the power company, why do I have to fight the bank as well!!
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX - XXXX, XXXX - XXXX, XXXX XXXX - XXXX "
Product: Credit reporting or other personal consumer reports

I AM A NATURAL PERSON. I AM A LIVING HUMAN BEING ; I HAVE THE RIGHTS UNDER 15 USC 1681. XXXX IS GOVERN BY 15 USC 1681. AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVE BECAUSE ACOURDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX, XXXX AND THOSE OTHER COMPANYS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

This XXXX account reporting is past the statute of limitations please remove as requested
Product: Credit reporting, credit repair services, or other personal consumer reports

Auto loan through Santander Consumer USA XXXX. Received letter indicating Santander Consumer USA employee inappropriately accessed and used my personal information for their own personal use by sending emails from their employee email account to a personal email account XXXX XXXX  This is a data breach, inappropriate, and a violation of my consumer rights. I didnt not authorize any employee to access my personal information for their own personal use. I have several auto and credit card queries on my credit report. This is a major data breach and Violation per the FDCPA and CFPB. I will be seeking compensation by law suit for inappropriately handling my auto finance customer account personal information.
Product: Vehicle loan or lease

The complaint is about : getting the the title on the car left on our property for the last 10 years. The company ( Capital One Auto Finance ) was to pick-up the car from our resident. 
Type of problem : Can not contact the company to talk to anyone, can only get an automated voice system. I had left several messages for the first 2 years, with NO call backs. 
What happened : Asked the company to add my wife ( XXXX XXXX XXXX ) to the loan and take Mr. XXXX XXXX XXXX off the loan. At this time the company would call me for a payment BEFORE the payment was even due. That is when I told them that Mr. XXXX was filling bankruptcy, and that was the reason for adding my wife to the loan. Because my wife and I were making all the payments, and had made the {$7000.00} down payment, they denied the request, so I told them to come and get the car. That is when all calls from them stopped, I was not able to call and speak to anyone. 
What company is the complaint about : Capital One Auto Finance What people are involved : XXXX XXXX XXXX ( now deceased ) and XXXX XXXX XXXX XXXX. 
Details about this complaint : I purchased the car on XX/XX/XXXX, I believe my last payment was in XXXX XXXX, when denied putting my wife ( XXXX ) on the loan, instead of her father ( XXXX XXXX ) because of his bankruptcy. They denied my request and was told to come and pick-up the car. 
the car has been parked on the property since that time, on non-op through CA DMV.  several attempts have been made to contact Capital One to arrange pick-up, with no response. However Capital One did send a letter on XX/XX/XXXX, in regards to a account number change. at that time we tried to contact them about picking up the car, and got no response, even after leaving several messages. 
As well as several recalls on this car : 1. ) Power window- 5 notices 2. ) Cracked and or sticky/melting dashboards- 4 notices 3. ) May exhibit excessive engine oil consumption- 2 notices. 
4. ) Sun Visor may rotate downward. 
With all these recalls I do believe this is considered a lemon law problem, and may be why Capital One does not want the car.
Product: Debt collection

Yesterday my daughter was contacted my a person named XXXX XXXX who made threatening statements about a lawsuit against me. The phone number she was given was for XXXX XXXX XXXX XXXX ( XXXX ). I called the number and left a message. I was unaware of any debt owed that would result in such action. 
When XXXX called me back she stated it was unresolved debt from a payday loan I 'd taken out in XXXX 2014. I know for sure that loan was satisfied. She stated I would be served papers and verified my phone number and place of address. 
The next day I got a recording stating I would be served papers at my place of residence or work and if I was served at work then I would need a supervisor or head of security to co-sign. I called then number provided ( XXXX ) and was transferred to a business that did n't identify themselves when they answered. They merely said hello. I asked who I was speaking to and was told XXXX. I attempted to talk to him about availability to be served court documents. He became extremely rude. 

He asked me if I had spoken to the original creditor ( The Cash Store ). I said I did n't, but I had bank statements and receipts to prove the loan was paid in full. He told me to expect to be served and the matter would be resolved in court. 

I called the Cash Store and was given the information to their corporate office. The person I spoke to confirmed the loan had been paid in full. She said if I received any other phone calls I should tell them to 'Cease and Desist '. I called the phone number back ( XXXX ). Again, the phone was answered by XXXX who did n't identify the place of business. I told him I had spoken to the Cash Store and the loan had been satisfied. I told them the representative said to cease and desist. He told me to bring all of that information to court and hung up on me. 

Part of what seems off is yesterday, XXXX XXXX did not have my employer correct and when I told her that was not my employer, she did not try to collect the information for my current place of employment. They also can not tell me how much the original loan amount was and the stated I had written bad checks. The money was automatically withdrawn from my account, which I have proof of on bank statements.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : 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: Credit card

Chime has closed out my checking and savings account and has blocked access from me trying to access the account. They are currently reporting that the chime secured card is still open and active and this is not accurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied credit by several companies due to the inaccurate and unverified information TransUnion is furnishing onto my consumer report. TransUnion is reporting the status of account XXXX for XXXX XXXX XXXX is open. This information is inaccurate. The account status is closed. The balance for this account is {$0.00}. The account was paid and settled. The banking system is dependent upon my consumer report being fair, and accurate. After looking at my consumer report, I realized that my report is unfair to me because I was never notified when this inaccurate information was furnished. This mishap has ruined my reputation, and adversely affected my credit worthiness. TransUnion assumed this role and assumed this information was valid. TransUnion failed in the initial investigation of this information. Which is a violation of my consumer rights. This account needs to be investigated and deleted from my consumer reports.
Product: Checking or savings account

Experian Credit Agency signed me up for a monthly subscription service when I went to them for a free credit report. I was unable to even find out whether or not I had an active subscription from their website, and had to inquire with them via chat and phone. When they confirmed that I was being charged monthly, I asked for a refund of charges because I never signed up for the service. They cancelled the service, but declined to provide a refund.
Product: Bank account or service

Sought medical service from XXXX XXXX, whose doctor prescribed medical prescription.The product was defective, XXXX XXXX was advised not to submit any further debits to my account and Suntrust was advised to block any such payments from XXXX XXXX. However, Suntrust allowed XXXX ( XXXX ) payments of {$160.00} to go thru contrary to my instructions to them. XXXX, XXXX and XXXX, 2014
Product: Debt collection

I have been going and forth with capital one about charges made on my credit account I also obtained a police report for the actions not created by me or no was permission given by any other party to use my credit card for personal or private use I tried to work it out with the company but I keep being told a police report wasnt enough evidence on my behalf
Product: Mortgage

During the year 2016 i have became XXXX which affected a loss of income and not able to afford my mortgage so i fall behind that my home went into foreclosure and locks was secure on the door where im not able to get in and i was never serve with a sheriff 's notice. Jpmorgan chase bank refused to help with a loan modification which they cancelled it less than 5 days after i sent the 2 payments. They constantly call me every day i understand they need their money but im facing a financial situation with a lost of income death in family and disaster with major repairs that is needed. please help me to resolve in this matter. Thank you
Product: Checking or savings account

My account was restricted on XX/XX/XXXX because I transferred funds from my XXXX account to my SoFi account, both of which are in my name. It took about XXXX days for these transactions to post. As a XXXX, I forgot about these charges to my XXXX account, and when the funds were deducted, I panicked and reported them as unauthorized. 

This led to my XXXX account being restricted, and they asked for verification. I completed the verification on XX/XX/XXXX, but the restriction was not lifted. I then contacted XXXX and told them to drop the claim, which they successfully did. I explained this to XXXX, and they requested another verification on XX/XX/XXXX, which I completed on XX/XX/XXXX. Despite completing all the requested verifications, the restriction on my account has not been lifted. I have been calling repeatedly, but they still have not lifted the restriction, and I need access to my account to pay my rent. 
I cant wait no longer I need access to my account and the money, its so bad I completed the verification they required all the verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached-i did call Transunion to dispute the credit rating but they notified the results through the US Mail to an address that we lived in 10 years ago. It took almost two months to get us the results as it was filtered to someone that knew my grandmother. This document said that the investigation is complete. We have sent the attached document back in 2014 to their attorney. The attached documents the series of events as we are demanding this is taken off our record as we do not owe a balance and have never been late on any payment in the 7 years that we lived there.
Product: Credit reporting

There are names on my credit that I never used or would go under my name is XXXX XXXX XXXX. 
Not XXXX XXXX XXXX XXXX XXXX something like that XXXX XXXX XXXX XXXX This is hurting me because there are things under the names that are not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I made an online order to Kohls. My shipment is now 13 days late. The tracking shows it has not moved since the date of shipping. I have contacted Kohls 3 times asking what is going on. And to have my products reshipped or I want my money back. This Package was to be already delivered and it is no where to be found. I was told I have to wait another 10 days. I told them that was unacceptable and they did not deliver when said. They still refused to return my money. I have ordered 3 packages since the missing one and they have all been delivered. 
This is just unacceptable. They lost my package and basically stole my money.
Product: Debt collection

I spoke to this company in 2022 and told them this debt was fraudulent they simply told me the longer it stays on reports the more I will owe regardless of who it belongs to and it will increase to $ XXXX {$300.00} each month and it has each month. This practice of a collector intentionally increasing a bill each month, which is considered illegal, is often referred to as " debt stacking '' and is generally prohibited under the Fair Debt Collection Practices Act ( FDCPA ) as it constitutes an abusive and deceptive collection tactic. '' and I demand it blocked/removed on all three credit reports but particularly XXXX. 
also, place on my record to this : Failure to respond satisfactorily could result in small claims action against your reporting agency I will be seeking damages but not limited to each violation I have noted a statutory cost of {$1000.00} per 15 U.S. Code 1692k violation :