23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I 'm inquiring about help with a bill collector that is calling looking for the wrong person. This woman keeps calling from a company called North Star Services. She is looking for XXXX XXXX, whom I am married to. Except they are looking for a different XXXX XXXX. They want me to give them personal information and when I wo n't, the woman I spoke to said she wo n't take the numbers off. They must be searching the internet and XXXX for our relatives. They called my cousin who works at a XXXX in XXXX XXXX and lead her to believe there was a family emergency and tricked her into giving information. They verified that the XXXX XXXX they are looking for lives in a different city but then they want us to give out date of birth and social security. 
I have also found people blogging on the internet about this same person from back to 2013. Seems like they are always calling people about made up debt and harassing family members at their work place. Are there any laws in place to stop this? 
How can I stop them from harassing family members? 
Person 's name is XXXX XXXX or XXXX XXXX XXXX North Star Location Services Thanks for your help, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries, XXXX XXXX XXXX XXXX was issued on XX/XX/XXXX and XXXX XXXX XXXXssued on XX/XX/XXXX. Three letters were sent out to the 3 major credit reporting bureaus in XX/XX/XXXX to have these inquires remove, because I was unaware and did not give my consent.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I received an email from Venmo that my account requires additional attention and that I would receive an email from a support specialist to help me with it. I opened the Venmo app and my account was frozen with my funds still in there. To this date, I have submitted numerous requests to provide any information they require to remedy this issue, but I have no received a single response and my account and funds are still frozen.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against ARS National Services Inc., for committing identity theft. I have never given ARS National Services any permission to use my Identity information to commit mail fraud by contacting me about an alleged debt they claim I owe. Iam aware that in accordance with Article 9, the assignme

nt of a defaulted note is illegal. Both the assignee and the Assigned are both liable for violations under 15 U.S.Code subsections 1692e ( 12 ). I have not validated any alleged debt with ARS National Services In
c. and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XXXX XX/XX/2023 I have not received any documentary evidence, such as a trilateral Contract, giving ARS National Services Inc any right to collect on this alleged debt.

I have never received any documentation requesting validation from ARS National Services Inc, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 USC 1692d ( 4 ). Which the FTC defines as debt parking. If ARS National INC. can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me. The consumer, prior to furnishing it on my report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 
Iam legally18 refusing to pay this debt pursuant to 1692c ( c. ) I am demanding a Cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ARS National Services Inc., can provide me with sufficient documentary evidence that I have any legal obligation to pay them. 
If this documentary evidence can not be produced and ARS National INC., continues its collections efforts, I will file for litigation for actual damages caused and ARS National Services INC. will be held criminally liable for aggravated identity theft pursuant to 18 U.S.CODE 1028A. extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified pursuant UCC 1-202 f.

Your prompt attention and response are both requested and required.ARS National Services Inc. # XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally demand the immediate removal of an unauthorized hard inquiry on my credit report conducted by XXXX XXXX. Upon reviewing my credit report, I discovered that XXXX XXXX made a hard inquiry without my explicit consent, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). 

I never authorized this inquiry, nor did I apply for credit with your company. Under the FCRA, you are required to have permissible purpose before initiating a hard inquiry on a consumers credit file. Since I did not grant such authorization, this inquiry is unauthorized and must be removed immediately. 

I demand that you : XXXX. Provide documented proof that I gave written permission for this inquiry. If you fail to provide this within 30 days, it will be considered a direct violation of my consumer rights. 
XXXX. Immediately remove this hard inquiry from my credit reports with all three major credit bureaus ( TransUnion ). 
XXXX. Confirm in writing that the removal has been processed. 

Failure to comply with this request will leave me with no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will seek legal action against XXXX XXXX for damages caused by this unauthorized inquiry. 

This is your final notice. You have 30 days from the date of this letter to respond and take corrective action, or I will pursue all available legal remedies against XXXX XXXX. 

I expect an immediate resolution to this matter. Please send written confirmation of the removal to the address listed above. 

XXXX
Product: Credit card or prepaid card

Purchase made online with merchant on or about XX/XX/ 2020 in the amount of {$380.00}, this should have been processed as a 6 months interest free option, providing that if I pay this in full within this period, I will not pay interest. This somehow was processed as a regular purchase. In fact, a purchase after the one mentioned above in the amount of {$140.00} was processed on the promotional plan.
Product: Credit reporting or other personal consumer reports

I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS BEING REPORTED THAT I HAVE NO KNOWLEDGE OF, NOR DID I GIVE PERMISSION TO BE FURNISHED TO MY CREDIT REPORT. 

I'VE CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING THESE ACCOUNTS BE VERIFIED AND THEY ARE UNVERIFIABLE. THESE ACCOUNTS BEING REPORTED TO MY PROFILE ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN CREDIT.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2
Product: Credit reporting or other personal consumer reports

The loan was paid off with the lender, the lender did not process the payoff payment amount in a timely manner after being recieved. The lendor then reported the account as 30 days delinquent on the credit report with caused the XXXX score to decrease. All attempts to contact the lender gets caught in an automated phone loop where it is impossible to speak with a live person.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute Regarding Inaccurate Payment History XXXX XXXX Account Dear Sir or Madam, I am writing to dispute an inaccuracy on my credit report regarding my account with XXXX XXXX. Below are the relevant account details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$4000.00} According to the payment history on my credit report, there are inaccuracies that need to be corrected. The information should reflect that my payment history is accurate and up to date. Specifically, I am requesting that the payment history for this account across TransUnion, XXXX XXXX XXXX  be reviewed and corrected to reflect timely payments as shown in the account records. 

Thank you for your prompt attention to this matter. Should you need additional information or documentation, please contact me at XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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  Someone was using my information, THIS WAS NOT ME!!
Product: Mortgage

Issue with First United Bank & Trust ( XXXX XXXX XXXX XXXX XXXX, OK XXXX ) This process has been on-going for about XXXX  months. We opened a construction loan with the hope of establishing an on-going relationship with a quality local bank. Instead we were misled and have a loan we have been unable to access. It's simply sitting there accruing interest on the closing cost. We've attempted to communicate with both XXXX XXXX ( the loan officer that opened the account ) and even the bank president, XXXX XXXX on many occasions. Not only can we receive no real assistance or response, but the bank president refuses to respond to the XXXX emails and multiple calls. 

These are predatory lending practices, in my opinion. If the bank was not going to properly service the loan and allow draws, they never should have opened it. We have not been allowed XXXX single draw at this point. We have been financing this project on our own, very slowly, at great expense to ourselves. This bank has cost us personally and from a business perspective and has set us back substantially. They've caused us very real financial harm. All we asked was that they close out the loan and reimburse the closing costs and interest due to the fact that they refused to allow any draws on the account. We no longer wish to do business with this bank. We actually have another rental we financed with this bank last year. Again, we have never missed a single payment with either account. We've been excellent customers from the start. We've acted in good faith. They have not. 

Once again, though they have and continue to cause great financial harm to us due to their predatory lending practices. All we ask is that they close out the loan and reimburse the closing costs and interest. A simple request considering the difficult and overwhelming situation they've placed us in.
Product: Money transfer, virtual currency, or money service

A wire transfer was sent to an account at Regions Bank and the money was either released to that account or withheld and not returned back to the sender. The bank account name on the wire transfer did not match the name on the account at Regions Bank. Regions Bank is not returning the money and not communicating with the sender or sending financial institution. 

On Tuesday, XX/XX/XXXX at XXXX, I sent a wire transfer for the amount of {$24000.00} to an account under the name of XXXX XXXXXXXX XXXX at Regions Bank . 

On Friday, XX/XX/XXXX, I received a phone call from my bank notifying me that the beneficiary name listed on the wire transfer ( XXXX XXXX XXXX ) did not match with the name of account at Regions Bank. Regions Bank requested me to sign a Hold Harmless form IF the funds were fraud. 

On Friday, XX/XX/XXXX, my bank requested that the money be returned back to me from Regions Bank so that I may re-send wire transfer with the correct information. 

On Monday, XX/XX/XXXX, I was contacted by the recipient of the wire transfer via email that they received the money and withdrew a portion of it to use. Regions Bank did not confirm with me or my bank the correct name on the account receiving the money. 

On XX/XX/XXXX, Regions Bank requested that I sign a Hold Harmless form again although we had requested the money be returned back to me multiple times. 

On Tuesday, XX/XX/XXXX, my bank informed me that Regions Bank had not returned the {$24000.00}. 

On XX/XX/XXXX, Regions Bank requests a Hold Harmless form again from me. 

On XX/XX/XXXX, my bank replies to Regions Bank that the funds are not fraudulent and that I will not sign a Hold Harmless. They also state that the wire should be returned if the information does not match Regions Bank 's records. 

XX/XX/XXXX, the money has still not been returned after multiple requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX 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 instruction 15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

My Social Security was used by companies below and without my consent. I have never given any of these companies permissible purpose to access my consumer report XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion
Product: Credit reporting or other personal consumer reports

I sent a letter out certified mail to XXXX, XXXX and Equifax on XX/XX/year> requesting to fix the spelling of my name, remove inaccurate address as well as provided my correct address along with my drivers license and current cable bill with my address. XXXX and XXXX updated my information. I called Equifax on XX/XX/year> inquiring about an update. I was told my letter was not legible ( even though it was typed and the other XXXX bureaus seen it just fine ). So, the representative said to file it online and upload the documents again. I did this the same day and they closed my dispute without updating, AGAIN. I want my information correct on my report. Equifax is refusing to update. This is hindering XXXX XXXX and XXXX from pulling my reports and scores! I should be able to access those.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Credit Card... When I paid the credit card account with XXXX XXXX. The representative that I spoke said that she/ XXXX XXXX would send me a paid in full deletion letter.
Product: Checking or savings account

On XX/XX/2023 I see that a check was cashed for {$1500.00} dollars. I see that the intended recipient which was a previous landlord did not sign the back of the check, it was a different name. I called my landlord immediately who confirmed they did not cash the check. I reached out to chase who told me to submit a form in order for them to start the process. It required information about the check and it required my previous landlord to fill out the form confirming they did not deposit the check. After providing all this information to chase they continue to deny the claim for different reasons that don't really make any sense. I also had a roommate at the time who has chase as well we both submitted the same exact forms even compared them and his went through fine and got his money reimbursed as soon as chase sent the form to XXXX of XXXX stating there was a fraudulent check cashed. Chase refuses to send my forms despite constant calls. They also don't let me speak directly with anyone at the claims department it's only a call center that relays information and refuses to put me on with someone actually managing the case.
Product: Debt collection

On XX/XX/XXXX, my husband ( now ex-husband ) and I moved into XXXX XXXX XXXX in XXXX, XXXX. We resided here until XX/XX/XXXX. We put in our 30-day notice to vacate our apartment due to the fact my husband had military XXXX that were XXXX him in XXXX. Therefore, due to the Servicemembers Civil Relief Act ( SCRA ), we were allowed to break the remaining term of our lease. 

XXXX XXXX refused to accept my husbands official military XXXX, and since have sent our account to Hunter Warfield Collection Agency to try and collect on a debt that we do not owe. 

I have tried contacting XXXX XXXX, who are the owners of XXXX XXXX XXXX and they have yet to respond. 

I am currently working with my local credit repair company to resolve some past credit issues and they recommended that I contact CFPB to step in and handle this situation for me.
Product: Debt collection

On XX/XX/XXXX, two friends & me were celebrating my birthday when suddenly I started to throw up. I'm sure my so called friends slipped something in my drink & planned to rob me. They called the ambulance which I didn't want them to do. When it came, I begged the EMTs to make sure to get my purse, you couldn't miss it as it had sparkles all over it. Three times I asked them and told them I didn't need any help. They did give me something for my XXXX and that was it. They loaded me up against my will and when we arrived at XXXX  XXXX  they rolled me down to the basement with all the homeless. I was horrified at all that was going on and felt like I was in a dungeon. Right after I arrived in this dirty dungen, they brought in a homeless guy that was screaming that he just got XXXX several times and in my opinion was totally in shock. As soon as he said this they rolled him back out to who knows where?! I finally was able to use the dirty restroom to clean up but was cut short as a homeless woman wouldn't leave me alone. She kept on banging on the door till I let her in and said I was finished. I then approached the only counter in the basement to ask what do I do next. She said that my friends refused to give the ambulance people my purse and only gave my license. I filled all the necessary papers for XXXX, XXXX, and told them I was indigent, lived at a low income gov. facility, and they told me everything was taken care of. They then escorted me to the upstairs waiting room. There I waited for hours before I could get a ride back to the hotel where we were staying. My ex-friends stole all the money I had and I barely made it back to Colorado where I reside. That was in the year XXXX & a year later in XXXX I started to receive this ridiculous bill of {$780.00} from XXXX XXXX. I had no tests, saw no doctors & was treated like a homeless person while witnessing all kinds of abuse and trauma. They are lucky that I am indigent as I would like to sue XXXX XXXX. I have filed 2 complaints with the no-surprise department I found on XXXX website. Please see the two complaints that I will be attaching to this complaint. Since then XXXX has turned me over to a collection agency called Medicredit, please see their attached letter. Thank you for your time and expertise with this frustrating and time consuming surprise debt that I am having to deal with. I will be attaching some of the more important documents also. Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the numerous attempts I have made to address the fraudulent items associated with my account. Despite multiple efforts on my part, it appears that the issue persists, and I have yet to receive a satisfactory resolution. 

The impact of these fraudulent activities on my personal and financial well-being is significant, and the lack of prompt and effective action is causing me undue stress and inconvenience. I expect a company of your stature to prioritize the security and satisfaction of its customers. 

I kindly request the following actions be taken to address this matter promptly : Conduct a thorough investigation into the fraudulent activities associated with my account. 
Provide clear communication on the progress of the investigation and the steps being taken to resolve the issue. 
Take immediate action to rectify any unauthorized transactions and remove the fraudulent items from my account. 
Implement measures to enhance the security of my account and prevent future occurrences. 
I believe in the importance of maintaining a positive customer-business relationship, and I hope that this issue can be resolved amicably. I anticipate a swift response and resolution to this matter. 

If the necessary actions are not taken promptly, I may be forced to escalate this complaint to relevant consumer protection agencies and explore legal avenues to protect my rights and interests. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered NAVY FEDERAL CREDIT with the account number XXXX having 30 late payments in XX/XX/XXXX and XX/XX/XXXX. These errors include the failure of the creditor to accurately reflect payments made by me within the stipulated time frame. Additionally, there are apparent computation errors or similar accounting errors made by the creditor on the statements provided