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

I am writing to formally dispute several fraudulent accounts reported under my credit profile. I am submitting this request in accordance with the Fair Credit Reporting Act ( FCRA ) and would like these accounts removed promptly. As a survivor of human XXXX, my identity and personal information were compromised, leading to the unauthorized opening and reporting of the following accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX These accounts were opened or reported without my knowledge or consent, violating my rights under the FCRA. Specifically : 15 U.S.C. 1681 Section 602 ( a ) This ensures my right to privacy and accurate reporting.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) Consumer reporting agencies can not furnish accounts without my explicit consent.

To support my dispute, I have attached the following documents : A personal statement detailing my XXXX  situation.

Additional records, where applicable, to verify my identity and substantiate my claim.

I request your immediate review and removal of these accounts from my credit profile. Please confirm receipt of this dispute and inform me of any additional steps or documentation required.

Thank you for your prompt attention to this matter.

Sincerely,
Product: Credit card or prepaid card

On XX/XX/2018 I submitted a credit card dispute claim with CHASE CARDMEMBER SERVICES for three transactions totaling {$7000.00} dating from XX/XX/18, XX/XX/18, and XX/XX/18 respectively. As a financial services professional, I take very seriously the merchant chargeback process and only availed myself of this recourse as a final option since the merchant was unwilling to speak with me further. I provided a detailed affidavit with direct, explicit supporting evidence for my claims to CHASE, including my original business contract between myself and the merchant. 

In subsequent days and weeks, I followed up with phone calls to the CHASE CARDMEMBER SERVICES dispute support team wherein I was advised that my claims " were being investigated and that should we require additional information, someone from CHASE will be in contact with you. '' Eventually, through additional numerous calls to the CHASE CARDMEMBER SERVICES dispute support team, I was informed that the transactions in my claims had been validated as legitimate transactions with no explanation as to how these conclusions were reached. 

When I asked CHASE representatives for evidence of how they reached their conclusion and for proof of any steps that were taken to either validate or invalidate my claims and provided supporting evidence, I was told that they are unable to provide as much. When I pressed the CHASE representatives for further details on how they reached their conclusions citing the direct evidence that supported my initial claim, the CHASE representative indicated that my case had been reviewed by senior dispute specialists and that was all they could tell me.
Product: Vehicle loan or lease

I bought a XXXX XXXX XXXX with XXXX milies ont it from XXXX XXXX, the car currently has XXXX   miles on it and is listed in the XXXX XXXX XXXX for only XXXX, but yet I'm paying {$400.00} a month for 4 years which will total out to be around XXXX after it's all said and done. The car is in terrible condition. I purchased it in XX/XX/2016, and the transmission failed within the same year and had to be rebuilt. I have had numerous problems since the transmission fix but XXXX claims that the car is fine. I have not been late on a payment in the entire two-year process, I have paid XXXX on the car and still owe another XXXX. I was a fresh XXXX years of age when I purchased the car so i feel like XXXX XXXX really took advantage of my ignorance and I feel that this is way unfair. I have tried to get the car refinance but other lender say that it is a lost cause smd csnt help me. Can someone please HELP ME!
Product: Debt collection

Dear Sir/Madam, I am disputing the alleged debt your company reported, as I have no contract or prior relationship with you or the original creditor. This violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Again, this company is attempting to commit mail fraud by stating that I owe them. This is a form of harassment that has aggravated my health condition. I have no contract nor debt with this company. Please be advise to cease and desist all communication with me and do not put anything on my public record or credit report.

To validate this claim, provide : 1. Proof of authorization to collect ( 15 U.S.C. 1692e, 1692f ).

2. Legal basis for collection.

3. Proof of authorization to operate in my state.

4. Signed contract or agreement proving the debt.

5. Full account history.

Under FDCPA 1692g ( b ), you have 30 days to respond. Failure to comply renders the debt invalid, and continued reporting or collection attempts will be considered unlawful. Per XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, if no evidence is provided, I will assume no debt exists.
Product: Debt collection

Calvary Portfolio Services is attempting to collect on an alleged debt for XXXX. The problem is they have made countless legal threats, which is a violation of the fair debt collections practices act 1692 e ( 5 ) Threaten to take any action that can not legally be taken or that is not intended to be taken. I want this harassment to stop. I am requesting they also respond to my attached letter. I believe they have also been recording my telephone calls without my consent.
Product: Debt collection

On XXXX XXXX, XXXX, XXXX XXXX XXXX requested that we request validation of his alleged debt with Capital Accounts that appeared on his credit reports with all three major credit bureaus ( XXXX, XXXX, and XXXX ). Capital Accounts failed to validate XXXX XXXX ' alleged debt.
Product: Debt collection

A company claiming to be " XXXX XXXX '' calls me every day, multple times per day, saying they are attempting to collect a debt I have no knowledge of. They refuse to give me information and ask for my personal information but I do not want to give my information to a stranger. They call from the number XXXX. I have had calls as late as XXXX and as early as XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX 's credit card starting with XXXX was opened XX/XX/XXXX. 

Ever since opening the account, I have had issues getting paper statements as well as paperless statements sent to me. A XXXX 's store associate informed me on XX/XX/XXXX that I need to make a payment and as soon as I got home, I made a payment. I wasn't even aware that I had a XXXX 's balance. I didn't get any calls, any letters in the mail and all my emails from XXXX XXXX XXXX were going to my " spam '' folder which I only discovered after the fact. 

My credit reports reflect late payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

SSN XXXX
Product: Credit card or prepaid card

Back in XX/XX/XXXX I opened a Best Buy credit card to purchase my husband a gift for his birthday. I finished paying for his gift in XX/XX/XXXX.Then, in XX/XX/XXXX we purchased a refrigerator for the amount of {$2500.00}. In XX/XX/XXXX, I set up automatic payments through my Best Buy account. These automatic payments were for the amount of {$200.00} and were withdrawn from my checking account with XXXX XXXX XXXX. By XX/XX/XXXX this money had been paid in full. However, these automatic payments continued to be withdrawn from my debit account. I realized that something was wrong in XX/XX/XXXX when I figured it had been too long and that this automatic payments should have stopped already. At this time I checked my Best Buy account online and realized that there had been fraud and reported it to the credit card immediately. The fraudulent transactions occurred during the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. There were multiple transactions during those three months that added to the amount of over {$7.00}. At this point they cancelled my account and opened an investigation. Their investigation concluded that I was responsible for the charges and therefore they still continue to call me to collect payments. There have been a back and forth between XXXX XXXX ( the bank wish sponsors Best Buy ) and myself ever since. In XX/XX/XXXX, some of the XXXX XXXX   fraud agents, recommended that I opened a police case, wish I did. I sent this over to them and they reopened the case. After this they determined again that I'm responsible for the charges. After my last conversation with another XXXX XXXX agent, I was recommended for the first time to submit any additional information that could favor my case ; she suggested for example that I sent time sheets showing that I was at work, or if I had travelled during those months to submit traveling tickets information. I couldn't provide any of those because as a full time pharmacists who used to work for XXXX at the time, I was a salaried employee, and also I didn't travel during those three months. 
All of this leads me to believe that they are not investigating anything with the places at which this transactions occurred, but instead are lightly deciding to make me responsible for the charges. I have told them and begged them on multiple occasions that I'm an honest person and to please investigate the right way, but this has not led me anywhere. 
I can send you prove of the police report that I opened and also the automatic payments set up, and payments made automatically upon request. 
I thank you in advance for anything that can be done to resolve my case.
Product: Mortgage

Subject : Complaint Against Taylor Morrison Home Funding Regarding Mortgage Closing Process and Financial Losses Dear CFPB, I am writing to file a formal complaint against Taylor Morrison Home Funding regarding their mishandling of my mortgage loan process, which has caused me a significant financial losses and emotional distress for me. Below is a detailed account of the issues I faced : Summary of Events : Rushed Decisions and Pressure Tactics : On XX/XX/year>, I received an email from their loan consultant informing me that my loan needed to be locked immediately, or it would delay my closing scheduled for XX/XX/year>. They emphasized urgency, pressuring me to finalize decisions and sign documents within a single day, despite this being my first home purchase and a holiday period ( XXXX and XXXX ). 

Misrepresentation of Closing Costs : On XX/XX/year>, I requested the final closing amount to initiate a wire transfer. Later that day, the loan consultant informed me that my realtor would contribute {$10000.00} towards closing costsa figure never previously discussed. Upon questioning, they admitted to an error in their calculations, concealing this critical discrepancy until two days before closing. This left me no time to explore alternative solutions without incurring penalties. 

Inadequate Resolution and Financial Loss : Taylor Morrison Home Funding acknowledged their mistake but offered only a {$2700.00} rebate, leaving a remaining {$7600.00} loss unaddressed. My relator worked hard for me and its his money and had to use from his credits This amount directly impacted my realtor and indirectly burdens me as the homeowner. 

Emotional and Professional Impact : The situation caused significant stress and trauma to both my spouse and me. Over several days, I had to take time away from work to contact their office repeatedly, leaving voicemails and messages and long calls without resolution. Their regional manager claimed there were no higher authorities to escalate the matter further, leaving me frustrated and helpless. 

Financial and Emotional Losses : Out-of-Pocket Loss : {$7600.00} Emotional Distress and Time Lost from Work : {$10000.00} Request for Resolution : I believe Taylor Morrison Home Fundings actionsincluding withholding critical information, applying undue pressure, and failing to address their admitted error adequatelyconstitute deceptive and unfair practices. I respectfully request the CFPBs assistance in : Holding Taylor Morrison Home Funding accountable for their actions. 

Securing reimbursement of the {$7600.00} to my realtor. 

Obtaining {$10000.00} compensation for emotional distress and lost productivity. 

Supporting Documentation : I am attaching the following documents to support my complaint : Email correspondence with Taylor Morrison Home Funding Evidence of the financial discrepancy and their admission of error Details of my efforts to resolve the issue directly with them I trust the CFPB will investigate this matter thoroughly and take appropriate action. Please feel free to contact me if you require additional information or documentation. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Common violations of the FCRA include : creditors give reporting agencies inaccurate financial information about you. Capital One has caused damage to my credit report by reporting inaccurate information. XX/XX/year>, I called Capital One and advised that I had lost my job due to an injury and I was waiting on workers compensation. I then set up a hardship where I was informed that I would not have to make a payment. At that time I was I would not incur any fees, which I have. Capital One is now saying I'm not the account holder. I will next file a complaint for fraud against Capital One.
Product: Credit reporting

In XXXX 2015 I was shopping for a vehicle. In XXXX 2015 I pulled mycredit report and noticed several unauthorized inquiries on my XXXX report. I sent a dispute regarding the unauthorized inquiries toExperian on XXXX/XXXX/15. I have not gotten a response from Experian. 
Pulled my credit report XXXX/XXXX/15 and all unauthorized disputes are stillreflecting on my Experian credit report.
Product: Credit reporting or other personal consumer reports

THIS HAS BEEN AN ONGOING ISSUE. THE XXXX ACCOUNTS THAT ARE STILL REPORTING ON MY CREDIT FILES ARE INCORRECT. 

XXXX XXXX XXXX XXXX THESE XXXX DO NOT BELONG TO ME. THESE ARE A RESULT OF IDENTITY THEFT/FRAUD! THESE ITEMS DO NIT BELONG TO ME AND I DO NOT AUTHORIZE THESE AT ALL. THS IS AGANST THE LAW AND YOU ALL HAVE NO RIGHT TO FURNISH THESE. I REQUESTED INFORMATION ON XXXX OF 2023 FROM BOTH COMPANIES TO VALIDATE THE DEBTS AND NEITTHER COMPANIES WERE ABLE TO PROVE ANYTHING. I DISPUTED THIS THROUGH THE CFPB PORTAL WITH THUS XXXX COMPANIES AND YOU ALL CAN CLEARLY SEE THAT THEY DID NOT RESPIND IN THE MANDATORY TIME FRAME. THEY ARE BREAKING THE LAW AND FOR THIS THEY MUST REMOVE THOSE ITEMS FROM MY FILES ASAP! I WILL ONLY GIVE THESE COMPANIES XXXX DAYS TO REMOVE BEFORE I REPORT THIS TO THE XXXX XXXX XXXX AND Y STATES GENERAL ATTORNEY. XXXX DAYS ONLY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that Experian provide me with all methods used by Experian to verify that this account is correct, the original bill with my signature, services provided and detail billing for the services and the name of the attending doctors ' name and address. I requested that Experian provide all methods used by XXXX XXXX XXXX to verify this account as being accurate
Product: Mortgage

Having obtained a Home Equitey Line of Credit from CitiBank in XXXX of XXXX, I ran the credit up to the limit quickly, and missed some payments, so credit was sealed. I made up the missing payments and have been paying interest plus {$100.00} - {$150.00} additional since then up to around XXXX of XXXX. At that time, having been laid off and out of work for about 1-1/2 years, I was unable to keep up payments. 

On XXXX XXXX of this year, I began discussions of how I might be able to modify payments to something I could handle. I entered into a " Hardship Treatment Process '' with CitiMortgage, and submitted a packet of documentation. Since that time, I 've had email and phone contacts with a rep for the process, and several times documentation was requested that I had just submitted. After contacting rep, was told " OK, that 's fine. I 'll let you know if we need anything else ''. Over the months I requested status updates several times and was informed " ... the file is currently being reviewed and nothing else is needed at this time '' or " it 's in process. when the underwriters have finished their review I 'll contact you. '' Then on XXXX XXXX, I received email notification from somebody at the bank saying that a new rep was assigned to me. I replied to that person and also forwarded email to the new rep, asking for update on status. I never rcd a reply from either one. 

Over past several months, I have been receiving continuous calls from CitiMortg. collections dept. During some of these calls, I learned that the new rep had allegedly tried to call me and never heard back from me. On further questioning, I found that he had been calling a phone that has been out of service for a year! ( Note that previous rep certainly had my correct ph # ). Today ( XXXX/XXXX/XXXX ) was the third time I reported this, and the third time I was told that they were correcting the contact information. I learned today that the file for me has become inactive, apparently due to missing documentation. I asked for them to send me an email with EXACTLY what was required, written down so there could be no mistake, but was told they could not do that - they 're not allowed to email. So I made a list of the documents required during the phone call and most, if not all, are documents I have already submitted. I was told that some sort of time period had been exceeded, so they need the same documents again ( and updated ones for income, etc ). 

At this point, I have an phone call appointment with the newest rep today at XXXX ( PST ), and will try to confirm document status and try to learn why this process seems to be going nowhere. 

FYI, I also understand that this Line of Equity lone, started in XXXX XXXX, will be amortized in XXXX of XXXX. I am beginning to wonder if this " Hardship Treatment Process '' is just an attempt to delay things until that happens.
Product: Credit reporting, credit repair services, or other personal consumer reports

I still to this day do n't know what this debt was for but a place called  N.A.R Inc ( I  only know this from seeing it on my credit report ) obtained a judgement against me ( only know thos because of my credit report ) for  XXXX  for what I do n't know??,  XXXX   XXXX ??  Dont  know what position he stands in this. A lawyer, A constable or some guy off  the street  collect on a debt?? On  XXXX   XXXX  he came with  2  others to my house and help up a paper like he had a warrant. He was even wearing some sort of gold star shaped metal on a long chain like a old sheriffs badge. They pushed their way through the door started grabbing my Tv 's,  Computer, VCR  anything worth value and putting prices on them. Writing them down as well. They wrote threatening letters to my father stating there was going to be a constable 's sale at my house on   XXXX   XXXX     to sell all my personal belongings and so My father paid them {$1500.00} on   XXXX   XXXX   triple the amount of what the debt of  XXXX  is on my credit report. My father and Friend recently passed away and I have been helping my mother with finacial records, taxes ect..when Icame across the letter they had sent him I had not seen until now. It pains me to know he paid this because I had told him of them doing a raid for valuables in my house and he was only trying to protect me. Whoever N.A.R is or  XXXX   XXXX  these people never verified the debt, never served me papers and used threats to get my dad to pay 3 times what the judgement was for and to top it off Its still on my credit as a judgement against me paid leaves out the fact he overpaid. Will you please help me find out what this debt was for and can they do that act like police take my stuff then advertise there is going to be a constables sale on paper to the public. I tried to call the number and went by the address on this letter but they do n't exist at least not anymore. I just feel bad my dad paid all that and knowing now that they have to verify the debt and serve. Its eating away at my heart Thank you for your time
Product: Credit card

Please note that I have been a Citi gold client for decades prior to this. 
On XX/XX/XXXX, Citibank advised me, via a letter, that all my bank and investment accounts were being cancelled. No reason was given and subsequent phone calls either went unanswered or to an employee that could provide no information. I also went to my bank branch and dealt with my client services manager who told me that this has been a " wholesale purging '' of clients and that it was way above the bank 's ability to intervene or gain information on this dilemma. Within days, I responded to XXXX XXXX XXXX, who initiated transfer of my assets regarding savings, checking and my multiple investments. 
Citibank actually had the gall to charge me for these forced transfers ( {$75.00} each ). I left for an overseas vacation shortly after XXXX XXXX XXXX, returning on XX/XX/XXXX. Shortly thereafter, I was advised, via letter, that my three credit cards with Citibank have also been cancelled. Please note, once again, no reason was given, despite my meticulous record of payments for years with them. In their short notice, I was told I may write to receive a specific statement of reasons why my account was closed. Furthermore, {$77.00} in earned Dividend dollars and XXXX in THANK YOU points ( value {$260.00} ) will not be returned to me. My third Citibank card, an L.L. Bean Mastercard, despite being cancelled, offered 30 days to use my points ( XXXX {$0.00} XXXX ). As instructed, I immediately sent a letter to the Citibank address on these letters. I received XXXX responses this week, each saying practically nothing regarding reasons or answering why they were keeping a total of {$340.00} of money that I earned on the two above mentioned cards. I violated no terms on either of these credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully going over my credit report I noticed there are accounts on my credit report that are reporting inaccurately. On XX/XX/20 and XX/XX/20 I wrote Equifax they failed to verify these inaccurate accounts. This will be my 3rd attempt writing Equifax about my credit profile.
Product: Vehicle loan or lease

lincoln fs debt collector harrass and threatened for payment. i stated, im in a hard ship because of covid and high inflation, that took away my buying power. do not threaten me.
Product: Debt collection

I was served a lawsuit from  Greene & Cooper, LLP   (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , Georgia  XXXX  ) on   XXXX    The lawsuit was filed on  X/XX/2017   . I am being sued on behalf of  XXXX   XXXX ,  XXXX  for  XXXX  Bank in the amount {$1700.00}. I was never notified of a lawsuit being filed and I never received any communication from this Law Firm , Gre  ene & Cooper, LLP. T his account was disputed directly with the  Original Credit  or,  and  XXXX   XXXX   XXXX . Which I am not sure is even the same company as  XXXX   XXXX . I have never been contacted by  XXXX   XXXX .