23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received robo-call from XXXX at XXXX XXXX  on XX/XX/21. 
Recorded message stated : Calling from capital link management. We've recently been retained in regards to an account that's been placed in our office. I need to speak with either you or your attorney immediately to issue a statement on your own behalf. If I fail to hear back from either you or your attorney by the close of business today, I will have no choice but to microsign against you as a direct refusal to comply. Please press 1 to speak directly with a representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello i have a number of hard inquires from chase bank on my XXXX   credit report. i dont have a chase account and i have not applied for a bank or credit card with them. the dates of the inquires are XX/XX/XXXX.this is my first step in resolving this issue and any help would be great. thank you
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! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

My debit card was used at XXXX for a XXXX dollar whoever did this used credit not sure if the transaction was keyed in are a copy of my card was use but my card never left my wallet i do n't make charges for that sizable funds checking my online account after being denied a transaction I discovered it this took placed on the XXXX to of the month of XXXX I noticed it on the XX/XX/XXXX the and contacted the bank on the same after returning a fax to them they emailed me saying they wo n't replace my funds that money was all I had please help XXXX @ XXXX, XXXX XXXX XXXX.
Product: Credit card

On XXXX I authorized a charge of {$22.00} at a dining establishment. Instead the business charged me {$44.00}. I only authorized {$22.00}. I contacted the business and they refused to provide me a credit so I disputed the {$22.00} up-charge with XXXX XXXX. XXXX XXXX did not investigate or provide me the merchant response but instead closed my case with specific reason.
Product: Debt collection

Received a collection notice from I.C Systems , Inc. for the Creditor XXXX in the amount of {$350.00} on XXXX. I contacted XXXX directly instead of the collections Company to verify my concerns of fraud. I spoke to two customer service members and both verified my name and address were not in their system, and also verified they dont offer services in my area. The 24 digit Account number that was supposed to be my XXXX Account number was also verified fake as it started with an XXXX  and customer service said that normally in Wisconsin it will start with an XXXX. My initial thought was fraud due to the fact Ive never had a XXXX account. But this will surely fool lots of people the paper looks really professional and many will be scammed.
Product: Prepaid card

Ive had pending charges on my child support card since XX/XX/year>. Both are from XXXX, one amount for {$64.00} and another for {$90.00}. I made a purchase from XXXX for {$100.00} which has since cleared. So why do I have {$150.00} pending in the first place? I have spoke with XXXX  customer service 3 times since, they responded by telling me the pending charges will fall off in 5-7 business days and if they havent by then I should contact my bank. I had intended on buying my son XXXX gifts with that money but wasnt able to because the charges are still pending so I dont have access to my own money and not only that, I was overcharged. I have tried calling Way2Go for several days now, I have not been able to speak to a real person on the phone, their website is no help whatsoever and as I was browsing the internet for a possible customer service email or way to contact Way2Go I found that many other people have had the exact same issue of being overcharged and then the pending charges staying pending for 3 months or more with no way to get into contact with Way2Go. So after hearing this I am inclined to think that it has something to do with the card company and not these businesses. 
Also on another note, Im not sure if this is an issue with Way2Go or the state of MS Child Support Division, but I have been shorted on my child support monthly anywhere from a couple dollars or more. When I spoke with MS child support on the phone previously the worker stated that she wasnt sure why I havent been receiving my allotted amount of child support each month because my ex has been paying the full amount. So why is the full amount not going onto my card every month?
Product: Debt collection

XXXX XXXX keeps trying to collect money and keeps trying to damage my credit report, the statue of limitations already expired for them, this account was supposed to be deleted long time ago, it gets deleted but couple months later it comes back reporting in my credit report and it keeps affecting me really bad, they first were collecting as XXXX XXXX, after that as ( XXXX XXXX ) and then now as ( transworld systems inc ) with the amount of XXXX, they keep selling this account to everyone and it keeps affecting me really bad, this account should be deleted long time ago, i do not own anything to this collection company and i have never sign a contract with them or with XXXX XXXX, they haven't provided with any type of documentation on which im obligated to pay this debt to any of these collection companies, this collection its reporting with XXXX, XXXX and XXXX, and this account needs to be deleted and never being back on my credit report again, this is ilegal and its its affecting myself and my family, they dont have the right to be doing me like this, they are violating my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed several inaccurate items on my credit report and the bureaus haven't answered me.
Product: Debt collection

I receive my final bill from the original creditor Victorias Secret in XX/XX/XXXX. The due date for the bill was XX/XX/XXXX in the amount of {$55.00}. The bill was paid in full and the credit card account was closed. Soon after I started receiving bills in the mail associated with this same closed account. This has been going on for XXXX years and Victorias secret dont even have my payment history in their system anymore to prove what I am saying about paying off my account. Victorias secret was contacted on XX/XX/XXXX. XXXX funding was also contacted on XX/XX/XXXX of XXXX and the amount in their system as well as the amounts from the bills that I have do not match up. I am trying to get this off of my credit as soon as possible.
Product: Vehicle loan or lease

Santander Consumer USA is notorious for predatory practices and allowing lenders to give false information about their customers so that they get approved for a car. 

It may seem good for people with bad credit, but they intentionally target these sub-prime customers so that they can give you extremely High Interest rates and make you have to make payments on a car that total far higher than the car is worth. 

Santander Consumer USA approved me for a car loan of a brand new car back in XX/XX/XXXX which I found out was a Lemon. 

Within five years the transmission on the car Santander loaned me had broken down totaling over {$2000.00} worth of fees to fix. Along with the car auto shutting off whenever I drove over 25 miles per hour. 

The brakes had problems and wouldnt work too well within the first week of driving the car. The car would also squeak loud whenever I turned a corner the very first week, and still does 5 years later. Along with the XXXX XXXX XXXX XXXX XXXX having tires that I had to special order online, there were 6 times I had to replace the serpentine belt. 

I am on year 6 with this car, and it just overheated and started smoking randomly on the road. Ive spent over {$580.00} just on mechanic fees this month. 

Ive also paid over {$17000.00} to Santander Consumer USA for a car thats priced around {$12000.00} to get it brand new. 

The worst part is that Santander Consumer USA only marked my total payoff balance down from {$15000.00} to {$12000.00}. 

Five years of paying car notes that total up to {$350.00} monthly ( excluding car insurance ) and my credit report is worse than it did before I had this Santander Consumer USA loan on my account. 

They also call and harass me every day and ruined my credit report by saying I was 3 months due on late payments when Ive already paid off the car. 

I should be getting a title for my car sent in for my Santander Consumer USA car loan being fully paid off, but instead Im getting harassment calls everyday from them, along with an extremely high false payoff balance and their false late payments Santander listed on my credit report made my credit report drop over 100 points. 

The amount of stress, worry, low self worth, XXXX, and feelings of hopelessness  that came from Santander Consumer USA is torturous and I just wish this car loan, would be accurate and show my loan to be completely paid off and removed from my credit report so I can live my life freely again.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX 15 U.S.C. 1692c ( b ). that law clearly states In this section, the FDCPA sets forth who a debt collector can communicate with in connection with the collection of a debt without the consumer 's consent. 

( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, adebt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX oclock XXXX  and before XXXX oclock XXXX  local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from thedebt collector or unless the attorney consents to direct communication with the consumer; or ( XXXX ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving suchcommunication. 
( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of theconsumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of anydebt, with any person other than theconsumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of thecreditor, or the attorney of the debt collector. 
( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumerwishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that thedebt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that thedebt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector orcreditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.
Product: Credit card

We have had our Macy 's credit card for ever and for the last few years we have been able to log into our account online to check our balance and make payments and check our statements. For that past 3 months or so we have not been able to get into our online account and when we call Macy 's credit card phone number we end up speaking to someone in XXXX who tells us that there is a software glitch and that they are working on it. On two occasions we asked to have our statement changed from paperless to paper statement so we could see our transactions, which has not happened yet. Our account is in great standing with a {$7000.00} credit limit and {$230.00} balance, so I know it is not our credit standing with them. We want to have online access to our account or a true explanation of what is going on.
Product: Debt collection

I have received several letters from different credit collection agencies regarding an account from XXXX XXXX for the amount of {$460.00} which is being reported to all 3 credit bureaus XXXX XXXX XXXX  I have informed them in writing and verbally that this account is not mine and ask them could you please provide me validation of the original contract payment and interest fees validating that I sign for this account with my signature
Product: Credit reporting, credit repair services, or other personal consumer reports

Received notice that Wells Fargo Home Mortgage was changing our account number on 2016. 

My credit reports states that the account was Sold or Transferred. It was not. It remains with Wells Fargo under a new account number. It was not modified or refinanced either. 

The issue is the old and the new reporting contains information for the same time period. It's not viewed as a duplicate account because it has two different account number via the credit bureaus but it is in fact duplicate for that time period as it's the same loan. We get hit twice with the derogatory reporting for the period XXXX.
Product: Mortgage

In XX/XX/ I was preapproved by Lennar Mortage to close on my property. I was advised that I need to put down {$25000.00} to hold the property. 

In XX/XX/XXXX XXXX XXXX XXXX at Lennar Mortgage decided to review my file. They are ignoring income on my tax return with the purpose of reselling the home for additional money. They also informed me that I would qualify if I filed single instead of married wh qualifying for the loan because my spouse 's properties resulted in a loss. Lennar Mortgage should not be allowed to discriminate based on marital status when closing on a loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureaus failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX-Balance {$590.00} XXXX-Balance {$0.00}
Product: Debt collection

I am filing a complaint against Jefferson Capital Systems LLC for their failure to validate a debt they are attempting to collect from me and for reporting inaccurate information to the credit bureaus. 

I received a collection notice from Jefferson Capital Systems LLC regarding a debt they claimed I owed. I immediately disputed the debt, as I did not recognize it and had no contract or agreement with Jefferson Capital Systems LLC. I requested validation of the debt, including a detailed breakdown of the amount owed, the name and contact information of the original creditor, the original contract, and proof that Jefferson Capital Systems LLC had the legal right to collect the debt. 

Despite my request, Jefferson Capital Systems LLC failed to provide the necessary documentation to validate the debt. Instead, they continued to report the disputed and unvalidated debt to the credit bureaus, negatively impacting my credit score. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g, which requires debt collectors to cease collection activities until they validate the debt. 

Furthermore, Jefferson Capital Systems LLC did not provide their state license number or information on what activities their license permits them to engage in, as requested. This raises concerns about their compliance with state and federal regulations. 

Their actions have caused significant stress and financial hardship. The continued presence of this unvalidated debt on my credit report is unfair and damaging. I request that Jefferson Capital Systems LLC immediately cease all collection activities, remove the account from my credit report, and provide full validation of the debt as required by law. 

Thank you for your assistance in resolving this matter.
Product: Checking or savings account

On XX/XX/XXXX I was charged {$4400.00} on my then owned HSBC Bank Debit Card. The charge was from the merchant XXXX XXXX XXXX XXXX. I contacted HSBC immediately about the fraudulent charge on my debit card. They reversed the charge opened a dispute and issued me a temp credit while they investigated the matter. I was issued a new debit card and was told by a rep that i needed to wait 60 days for the outcome.During the dispute they allowed XXXX XXXX XXXX XXXX charge the new debit card two additional times in the amounts of {$2200.00} and {$220.00}. After the dispute was resolved HSBC withdrew the temp credit, saying that XXXXXXXX XXXX XXXX XXXXr provided documentation proving that I had rented a car and was liable. I requested that HSBC send me the documentation that they had as proof. Upon receiving the documentation ; the documentation didn't not contain My Name, Identification or Signature. It had a completely different name, ID and signature. I contacted HSBC immediately to make them aware that the documents they had as proof didn't contain my Name, I.D, or signature. Another dispute was opened and I was told to wait another 45 days. At the end of that dispute I was still held liable. I was told by HSBC to contact XXXXXXXX XXXX XXXX XXXX to have them reverse the charges. When I contacted XXXX XXXX XXXX XXXX they told me they didn't have any account with my name so there was nothing to reverse. I have contacted XXXX dozens of times about this matter. But have been unable speak with anyone who can resolve this matter. I even was promised to be contacted back dozens of times. And to date I still haven't received correspondence. On XX/XX/XXXX I received a debit collection letter from XXXX XXXX XXXX XXXX to collect a debit on behalf of HSBC in the amount of {$6700.00}. This debt is Fraudulent and there is current court proceeding that has been pursued. 

A JUDGMENT WAS ENTERED IN XXXX XXXX CIVIL COURT ON XX/XX/XXXXXXXX  IN FAVOR OF ME AND AGAINST HSBC BANK IN THE TOTAL AMOUNT OF {$9000.00}. IT HAS BEEN 44 DAYS SINCE THE JUDGMENT AND HSBC BANK HAS NOT PAID THE JUDGMENT. I ALSO HAD HSBC BANK LOCATED AT XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX WITH AN " INFORMATION SUBPOENA '' SO THAT I CAN HAVE THE MARSHALLS/SHERIFFS PURSUE MY JUDGMENT THE COMPANY HAS NOT RESPONDED TO A COURT ORDER. 

ON XX/XX/XXXX I FILED A " TRANSCRIPT OF JUDGMENT '' WITH THE XXXX COUNTY CLERK. IN WHICH A LIEN WAS PLACED AGAINST HSBC BANK. 

IF JUDGEMENT IS NOT PAID WITHIN 7 DAYS I WILL SUE FOR " TROUBLE DAMAGES '' WHICH WILL BE FOR 3 TIMES THE AMOUNT OWED. THIS HAS BEEN VERY TROUBLING FOR ME. IN TOTAL THIS PROCESS HAS TAKEN ALMOST 4 YEARS.
Product: Credit reporting or other personal consumer reports

XXXX monitors illegal internet sites on the dark web and notifies me if a match to my personal information is detected. Unfortunately, my Social Security number ( SSN ) has been found on the dark web. 

It XXXX not mean I was a victim of identity theft. However, identity thieves can use my SSN in a variety of ways including to apply for credit in my name, file a fake tax return or obtain medical care. It can also be used to steal Social Security or unemployment benefits or provided to law enforcement in connection with a crime. 
Additional Info Details First Name : XXXX Last Name : XXXX XXXX : CA Zip : XXXX Phone Number : ( XXXX ) XXXX Social Security Number***-**-**** DL Number******** DL State : CA Potential Site : XXXX XXXX BREACH OCCURRED IN XXXX, XXXX Records Found On XX/XX/XXXX D.O.B. : XXXX. FOUND Found WithSOCIAL SECURITY NUMBER. I have contacted XXXX fraud department and was made aware of the 5 numbers listed under my name, none of which I have had direct access to only one was active. 

XXXX XXXX fraud department these are not active but were in the past. 
( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For XXXX XXXX XXXX Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

1- XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
2- XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
3- XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting. 
4- XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting. 
5- XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 

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

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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. 

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 seven years. 

15 U.S.C 1681s-2 ( A ) ( a ) 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.