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

Online portal was set for automatic payments. I never received an email or phone calls indicating I was past due. There was no attempt in collecting monthly payments. The statements were being mailed to an unoccupied residence. Account has been paid in full and zero balance is reflecting.
Product: Debt collection

On XX/XX/18, XXXX XXXX XXXX tried to validate a debt I am disputing ownership of by sending me a copy of a contract. I do not agree with and have reason to believe I do not owe this debt because the contract provided has someone elses name and address on it. The contract says its with XXXX not Exeter and I have never owned the vehicles listed on the contract.
Product: Checking or savings account

On Sunday XX/XX/2023 the available balance in my Santander checking account was XXXX. This was money sitting in the account for a while and there was no hold whatsoever on these funds. Anticipating a large expense I deposited into the account a credit card advance check in the amount of XXXX dollars. 
Santander bank put a hold not only on this new transaction, unbeknownst to me they put a hold also on the XXXX that was sitting in the account prior to this transaction, resulting in checks and ACH purchases and credit card payments being returned for insufficient funds. I immediately called Santander but the manager at the local branch was unable to stop the back office from bouncing my checks. I could not write any more checks until I got this situation resolved otherwise the checks would bounce. I pleaded and told them that the XXXX was free and clear and there was sufficient funds for all the checks & payments. It took until midday Thursday till they released the hold on my account. Santander bank illegally restricted me from using funds that were free and clear for practically a week. If the government wants consumers to have confidence in the banking system they need to oversee and fine institutions who withhold funds without merit
Product: Credit card

Per complaint ID : XXXX Chase had reopened the card on XX/XX/XXXX, continuously failed to send a replacement card as the existing card no longer worked. I had tried to get this card sent every week in XXXX calling in multiple times and spending hours on the phone ( averaging 6 hours/week ). They attempted to send the card on 4 separate occasions which involved me having to transfer between fraud, identity, customer service, etc in order to get to someone who could attempt this. Card was never successfully sent and I had to leave on my trip to XXXX without a working card. Chase said they deny this claim but are still at fault and unable to fix something so trivial as sending a card which involved me being on the phone for tens of hours at a time. I am filing this new complaint as they are failing their regulatory duty to open an account and provide said user with working card. Additionally, my annual fee is already charged but as per Reg Z, I have no working card to use!
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY THEFT. I DOWNLOADED A SOFTWARE YEARS AGO TO MY COMPANY THAT ENDED UP HAVING A VIRUS ATTACHED TO IT THAT ENDED UP CLEARING EVERYTHING FROM MY COMPUTER AFTER STEALING ALL OF MY PERSONAL INFORMATION FROM ME. I HARDLY CHECK MY CREDIT BUT I TOOK A LOOK AT MY CREDIT REPORT RECENTLY AND NOTICED THERE IS A TON OF FRAUDULENT INFORMATION ON MY FILE THAT NEEDS TO BE REMOVED/BLOCKED WITHIN THE NEXT 4 DAYS. 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX and list of Inquiries. 

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 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 ) ( 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, credit repair services, or other personal consumer reports

In the likely chance my SSN was stolen, I am now under risk of fraud FOR EVER. SSNs do not change.In fact, it is likely that criminals will wait at least a year before using the stolen information, which is when Equifax 's free credit monitoring service will expire. 
The fact the Equifax is offering anything else than lifetime protection is criminal.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number : XXXX Subject : Clarification on Discrepancy in Investigation of Identity Theft Claim Dear Kikoff Lending LLC , CFPB COMPLAINT XXXX I am writing to address a contradiction in your response regarding my identity theft claim for account number XXXX. 

In your letter, you stated that there were no discrepancies between the information on file and the details I provided. However, this statement misses a critical point : the information on file is my stolen identity. The reason the data matches is that the thief used my personal information, such as my name, Social Security number, and other details, to fraudulently open the account. 

The presence of this matching data should not be interpreted as legitimate account information but rather as a clear indication of identity theft. The fact that the data aligns with what is on file does not disprove my claimit supports it, as it is the nature of identity theft for a criminal to use the victims personal details. 

Your investigation, therefore, appears to have missed this essential fact. I respectfully request that you reconsider your findings in light of this misunderstanding and reopen the case, taking into account the evidence of identity theft, including the police report and FTC affidavit I previously submitted. 

I look forward to your prompt response and the removal of the fraudulent account from my records. Also there is a major discrepancy in the information and that is the phone numbers my phone number is XXXX witch is not a match with your records on file Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and discovered a number of inaccurate items. Over 60 days later I haven't heard anything back from each bureau. I feel like Im being taking advantage of. These items are causing me a great deal of grief because they are harming my score. During this difficult time for my family I don't need anything hindering me financially. I also made the bureaus aware I was affected by the XX/XX/XXXX data breach which Im just now finding out about and Im afraid my information has got into the wrong hands.
Product: Debt collection

I filed a complaint about this company already with this agency and they finally reached out to me on XX/XX/21 with a letter saying the agency contacted them. I spoke with a representative named XXXX who said she will fully process the dispute and that once the dispute is resolved the account and its fees will be closed. The money they filed a debt for isnt money I owe to them since they are just late fees for the disputed amount that I contacted them MULTIPLE phone calls about that they continue to not answer. I called this morning again and they kept passing me along from representative to representative with no information or response to my dispute or questions. Their customer service is absolutely ridiculous which is why I closed my account. I do not owe them anything.
Product: Vehicle loan or lease

So I was sent sent to collections by Ally financial they sent my car loan to XXXX services. Once I got with them I set up a 24 month payment plan for {$770.00} per month. I have been paying on time each month until XXXX of this year I did not see the payment be directly withdrew withdrawn out of my account I called XXXX services to see what was going on with the payment and they said that Ally financial had called my loan and I asked him where did that stand with you with me and them they informed me that I was no longer customer and everything was closed and the last payment that was for XXXX and that I would have to call Ally financial upon calling Ally financial they told me that I was another credit who I did not know of and I will have to call them once I called third-party credit company they informed me that my account was on hold and I and they do not know what the next processes are I have XXXX more months to pay this loan totaling XXXX I was supposed to be done paying this off on XX/XX/year> but now the new creditor says that my new loan amount is going to be for {$13000.00} that seems absurd to me because I have been faithfully paying it to one creditor and time was not up it is unfair that they took the loan solar to someone else and now I am just left to pay more money than I was supposed to I feel is though I should be able to keep the same loan it continue to pay out this car so that I can get over this nightmare I recently lost my job which is why I was not able to pay the original bank I just want for it to be over so that I can pay out the car and put this behind me
Product: Debt collection

Your Name Your Address City, State, ZIP Code Phone Number Email Address Date Amsher Collection Services Attn : Debt Validation Department XXXX XXXX XXXX XXXX, AL XXXX Re : Debt Validation Request Account Number : [ Your Account Number ] Amount : [ Amount of Debt ] Dear Sir/Madam, I am writing in response to the collection notice I received from your agency regarding the above-referenced account. I am requesting that you validate this debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ), Section 809, which gives me the right to request written verification of this debt.

Please provide the following information : 1. The amount of the debt.

2. The name of the original creditor.

3. A copy of the original signed agreement or contract that obligates me to pay the debt.

4. An itemized statement of the debt, including any interest, fees, and charges that have been added.

5. Documentation showing that your company is authorized to collect on this debt.

6. Any other information that substantiates your claim.

Until you have provided me with this information, I request that you cease all collection activities, including reporting this debt to any credit reporting agencies.

Please send your response to the address listed above within 30 days of receiving this letter. If you are unable to validate the debt, I expect all collection activities to cease, and the account should be removed from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, [ Your Name ]
Product: Debt collection

I have sent multiple debt validation letters to the credit bureaus and the company with the most recent letter dated XX/XX/19. I have never received a written response from the company. Once I submitted the last letter, I noticed on my credit report where they had closed the account and marked it as paid and then 1 or 2  months later, the account was reopened again. I have also contacted them by phone where the representative told me that they did not have nor could they produce a contract that I signed with them. I have tried to resolve this issue for the last year with no avail. However, they continue to report incorrect information on my report without responding to my debt validation request.
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX/ {$0.00} / XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy is reporting that should not be I did not give authorization to report this and this is defaming my character. I am asking for verification with my wet signature that this is to be reported. I'm aware that no court or agency reports this information to any bureau
Product: Credit reporting or other personal consumer reports

To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company via mail dated While checking the above report, it came to my notice that your Company has furnished an account on my report. 

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of informa- tion regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the al- leged debt ) by the Company will amount to Communication as per Fair Debt Collection Prac- tices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any XXXX XXXX XXXX. 

Any further contact by your Agent or Company, except a communication confirming your ac- knowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you.Remove this account from my consumer report asap.
Product: Consumer Loan

I noticed that I see Credit Acceptance on my credit report but I never encounter making a deal with them on a car. I recently received papers on being sued for a car that I never acknowledge that was mine. They provided a copy of the paperwork that was signed and my name was signed but I never had a car. I do n't understand what is going on. After receiving threatening calls ; I had to change my number because the harassment kept continuing after i told them that I did n't sign for a car. Since changing my number the calls have been coming again, but now they are using a " Blocked '' or " Private '' number.
Product: Credit card or prepaid card

AMEX continues to report a business card as my account. The claim its true because payments have have been made. I'm attaching the last statement which is the only account I have had with AMEX and the only account I made payments on. Trying to tie a business only account to a personal account which was totally separate.
Product: Credit card or prepaid card

I went online to purchase a tool from a website, when paying it linked to XXXX for payment. After a few days i never recieved a recipt or tracking, after a week i tried calling the number listed on the website but it was a fake number. I contacted paypal and they told me because it went through friends and family they cant do anything and contact my bank, i asked for a copy of the recorded call but they refused. I called capitalone, by credit card issuer, and they started a dispute, after 30 days i recieved a letter saying they cant do anything, called again to reopen claim and antoher 30 days recieved the same letter again.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, TransUnion began reporting a collections account through XXXX XXXX that is attached to a XXXX credit card account that was opened fraudulently by an ex roomate. The amount in question is {$340.00} and is being reported as a closed account in collections. It was originally reported as an open collections account and then changed. This is the second time this account has shown up on my credit report as I had succesfully disputed it in XXXX as it is a fraudulent account and TransUnion removed it. It makes no sense that something which was fraudulent in XXXX, XXXX and XXXX then became legitimate in XXXX. The original XXXX account is nowhere on my credit report and XXXX and XXXX also removed it and the fraudulent collections account. In my original dispute with TransUnion I explained the situation and informed them that I have no knowledge of this account, as it is not mine and asked for hard copy validation or any proof that this debt belonged to me. Every dispute was denied and a note was placed on it that it " meets FCRA requirements '' which is untrue as I have an active FTC ID theft report on the account, XXXX has acknowledged it isn't mine and TransUnion has continued to report incorrect and unverifiable information, which violates the XXXX of the FCRA. I have disputed with TransUnion more then 5 times and they have now blocked my ability to dispute that account. 

I have an FTC Identity theft action open against this fraudulent account along with two inquiries which were part of the fraudulent use of my personal information and TransUnion doesn't even view the dispute, only responding that the account meets FCRA guidelines when the original creditor acknowledges it is not my account, the FTC acknowledges I was a victim of ID theft and TransUnion is working overtime to ensure the damage from the identity theft, a very traumatizing experience, continues to be perpetuated on consumers. As consumers, we already know protections only exist for corporations but I wish TransUnion wouldn't blindly trample on consumers and perpetuate a harm.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX AccountXXXX  Date of first delinquency shows XX/XX/XXXXXXXX  and date of major delinquency first reported shows XX/XX/XXXX. Date of last payment shows XX/XX/XXXX. 

I informed Equifax this information was inaccurate as the auto was voluntarily surrendered in XX/XX/XXXX. I did not make any payment in XXXX  as the auto was no longer in my possession. This item has been reported incorrectly in an effort to remain on my credit report.
Product: Credit reporting

I had a debt of {$1900.00} from a school loan that was paid off. Since then, it has been removed and placed back onto my account XXXX times now. Currently, it is showing as being owed. I DO NOT OWE THIS ANYMORE. My income tax was garnished and this was paid in full!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX are the same institution. 

Due to a recent transfer of government loans providers ( early XX/XX/ ), my student loans are duplicated by all 3 credit agencies ( XXXX, XXXX and TransUnion ). Current balance totalling {$100000.00} instead of {$50000.00}. 

XXXX sent me an official letter stating the issue they encountered with their system which I already provided to them. 

I have been contacting all 3 credit agencies online and by mail to correct the duplicated balance without having a successful outcome. 

This is affecting my ability to buy a house due the debt is showing on my credit report.
Product: Credit card or prepaid card

Bank of America I Want to dispute negative information that reporting on my credit file on XXXX  you are reporting date of late payment was XX/XX/2018 I feel this information is in correct I have check my bank account and found no payments made to your bank on XX/XX/2018 could you please send me a copy of a canceled check that you made have cash on that date. If not could you please remove this for Inaccuracies thank you!!
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of all accounts and inquiries listed below due to my status as a victim of a data breach. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information resulting from identity theft removed from my credit report. 
Inquiries to be Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Debt collection

First National Collection Bureau , Inc. sent me a letter ( along with a payment book ) indicating that I owe over {$5000.00} to a company I never incurred debt from. On this letter, they indicated that this " debt '' was from 2007. After further research, it was determined that this company has been practicing in false/scam situations similar to this one for years. I ran my credit report ( as a safety precaution ), and saw that this debt is not and never was on my credit report. Upon further research, I saw that this company has MANY class action lawsuits pending against them.
Product: Credit card or prepaid card

Have never received physical credit card, so I can not set up automatic payments or close the account. Customer service is scripted. There is no method for escalating calls. 

Approved for card in store in late XX/XX/2018. 

On XX/XX/2018 called about email advising me to set up my account. Didn't have card yet. Couldn't set up account. Customer service said card would be there within 7 days.

~XX/XX/2018 called back bc hand't received card. Customer service couldn't validate my ID with phone number. Said they would send " bank letter '' that I could use to validate ID. 

Called back several more times over the last month to repeat the above process. No bank letter. No card. Still can not access account.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations attached and case studies pertaining to my case as follows : XX/XX/XXXX - The 4,500-employee company, which started in XXXX, started offering credit to consumers in XXXX. These lawsuits allege XXXX 's violated federal telecommunication laws prohibiting telemarketers and debt collection agencies from calling consumers ' cell phones using automatic dialing systems without their express consent. 

The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act.

The federal fair lending lawsthe Equal Credit Opportunity Act and the Fair Housing Actprohibit discrimination in credit transactions, including transactions related to residential real estate. ... Lending acts and practices that are specifically prohibited, permitted, or required are described in the regulation. ( violated my civil rights or lied to me ) Truth-In-Advertising. ... The Federal Trade Commission ( FTC ) regulates advertising and marketing in the United States and has the authority to file lawsuits and impose penalties against companies that do not comply with its rules. Generally, the FTC requires that : Advertisements are truthful and not deceptive.XX/XX/XXXX all companies listed violated all the above FTC violations