23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have today sent a letter of dispute. I received a call from 1st Credit Services claiming that i owed XXXX XXXX XXXX {$30.00}. In fact, i have never been a member of XXXX XXXX XXXX nor have i ever attended XXXX XXXX XXXX. 

The agent explained that XXXX XXXX had acquired XXXX XXXX XXXX of which i was a member and that therefore XXXX XXXX had taken an assignment of all memberships. I was never notified of this, nor did i sign an authorization for XXXX XXXX to debit my bank or credit card account. It is a simple matter for XXXX XXXX to obtain updated information and authorization since they clearly had my phone number - they provided it to collections. Failing to get updated information and permission, they would have known to cancel the membership ... in which case there would be no debt. Instead they decided to bluff their way to collect money to which they are not owed. In short they conceived a " scam '' to squeeze a few more dollars out of former XXXX XXXX XXXX members by using an outside collection agency ... rather than calling themselves. They released my personal information and most likely have tried to damage me by reporting this debt to a credit bureau ( another form of intimidation ).
Product: Debt collection

I am a victim of identity theft. I did not open this account. Account was opened and never paid
Product: Debt collection

Dear CFPB, I am writing to formally dispute the inaccurate information reported on my credit report by XXXX. Below are the details of the disputed accounts, including screenshots of the credit report entries for your review : XXXX. XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX 
Balance : {$XXXX} Status : XXXX Account XXXX. XXXX XXXX XXXX Original Creditor : XXXX XXXX Balance : {$XXXX} Status : Collection Account XXXX. XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX. 
Balance : {$XXXX} Status : XXXX Account I believe the information reported is inaccurate. I was recently made aware of my involvement in the ongoing XXXX data breach and lawsuit. Given this, I suspect these accounts were improperly reported or associated with fraudulent activity tied to that breach. I did not authorize or open these accounts. 

I am requesting a thorough investigation into the accuracy of these accounts, as well as the removal of any false information. I have attached documentation of these accounts from my XXXX credit report for your review. Additionally, I would appreciate being notified of the steps you will take to address this matter and ensure the information on my credit report is accurate. 

Please provide confirmation of the receipt of this dispute and keep me informed throughout the investigation process. 

Thank you for your attention to this matter. If you require further information, do not hesitate to contact me at the phone number or email address provided above. 

Sincerely
Product: Checking or savings account

To Chase Bank My wallet might 've gotten stolen or I misplaced it but when I come to figure out I do n't have my wallet no more I looked for it everywhere called people Backtracked but no luck that 's when I decided I should cancel my cards I called chase customer service department around XXXX XXXX in the morning on the XX/XX/XXXX the XXXX then informs me my last transaction was a withdrawal from a chase ATM that when I told the XXXX no my last transaction was at XXXX XXXX {$3.00} and some change on the XX/XX/XXXX it 's the XXXX now they already denied me once never gave me temporary credit then you have chase employees calling me telling me your not getting your money because you have n't banked with us for that long and she is n't even in the claims department then you have the claims department it 's self that right there may I say is a joke they have been messing around on there end and it 's about to cost me my savings everytime I call it 's another excuse or another business day or another department I 'm waiting on a call from there executive office which I believe is the last place they can transfer me but see what you can do cause that was all the money I had and I 'll be XXXX if chase has the last laugh
Product: Credit reporting or other personal consumer reports

Message appeared saying that because of conditions, they are not able to release that information to me.
Product: Credit card or prepaid card

On XX/XX/XXXX I stayed at XXXX XXXX hotel for two nights culminating in a charge of {$850.00} which posted on my account on or about XX/XX/XXXX. The elevators were not working in the hotel properly during the stay and upon checkout on XX/XX/XXXX after waiting 30 minutes for an elevator my guest and I were forced to walk down 19 flights of stairs with heavy luggage. This brought back flashbacks of 9/11 for which I was intimately involved. XXXX XXXX refused to do anything regarding this horrific breach in service. 

I then called Chase Sapphire to dispute the charge for which XXXX in disputes told me : a ) I had no right to dispute the charge and b ) more glaringly, that I could not file a complaint with the CPFB until I spoke with a supervisor... which is utterly ludicrous. 

Chase should not be in the business of thwarting a consumer 's right to file a complaint. Hence, here we are. I recorded the conversation for your review.
Product: Debt collection

Debt collection for a medical charge of {$340.00}. Statement saying, I owe that amount since XX/XX/XXXX when I had a car XXXX. I had no previous knowledge of the billing amount I owe from these said providers until I got the notice in the mail on XX/XX/XXXX. 2 years later. 

I Called my insurance about the billing notice, stated there is no notice of bill statement sent to them from " XXXX XXXX XXXX '' which they would've covered since I have a FEDERAL XXXX XXXX XXXX XXXX plan. 

On top of that, my car insurance had XXXX coverage of health which they too did not received the bill to cover. 

This violates the No Surprise Billing Act of AZ.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last fall, following the widely publicized Equifax data breach, I checked the social security numbers for myself and four dependents ( spouse + XXXX children ) and submitted applications after the Equifax check tool confirmed we had been exposed. On XX/XX/XXXX, I received five emails with links and immediately set up five TrustedID  accounts for the purpose of monitoring our credit for the ensuing 12 ( maybe 24? ) month period, as promised and mandated. Or so I thought. After roughly six months of hearing nothing, for anyone, I became concerned as several credit card accounts have been opened ( and some closed ) during this period, and we should have been notified of the same if we were in fact being monitored. I must have spoken with 5 or 6 different representatives from Equifax at this point ( including an unsuccessful attempt to speak with XXXX who called on XX/XX/XXXX following very poor survey feedback that I sent in after being requested to do so, and the last of which was a supervisor named XXXX XXXX, and then an extremely rude floor supervisor named XXXX/employee #  XXXX, would not give full name ), none of whom were helpful or had a solution ... or cared, really. They claimed that none of the accounts were in fact set up, and stated that the TrustedID program is no longer in effect ( not sure how the former could be the case based on the emails, which were also sent to them, and how the latter could be true as the monitoring was to continue for at least 1 year and the program did not begin until last fall at the earliest ). They said I could " purchase '' identity protection with one of their other programs, or put a credit freeze on the accounts neither of which was the purpose for which I was calling, to exercise the right to the service to which we were wholly entitled. So, having exhausted my options with Equifax, I have now made a formal appeal to you on our collective behalf in an effort to help resolve this long-running issue with Equifax. I am sure we are not the only ones in this situation. Thank you in advance for your consideration and assistance.
Product: Student loan

Every single year Navient kicks me out of my income based loan repayment plan and sends me a bill for a normal plan after I have uploaded all of the forms, and CALLED TO CONFIRM they have received them and all is in order. The site is awful to deal with and you have to transfer to their older site and upload files in an obscure location. The due date for your federal tax information is IMPOSSIBLE to meet by XX/XX/XXXX since XXXX 's rarely come on time and taxes would have to be complete within two weeks of receiving them. Everything is complicated. They send bills on weekends so you ca n't call and fix things. It 's the same exact problem ... every year. Long hold times. Everyone tries to put you on forbearance while they fix their problem. It 's awful.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

The mortgage company, Loan Care Mortgage Loan number XXXX, reported me as being late to each credit bureau when in fact under the CARES ACT, I am not late, having obtained the approved forbearance over the period reported as my being LATE with mortgage payments, ( although I am still under the approved forbearance as well as XXXX XXXX XXXX XXXX program this time from XX/XX/XXXX until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XXXX Complaint Number I am writing regarding the above claim referenced above. Comenity Bank-Bread Financial failed to send me a statement in XXXX of 2024 which would have been my final payment. I had previously set up an auto draft for the final payment in XXXX but there was an error in the payment and it did not process. My account is set up on electronic texts alerts and emails if I miss a payment. Comenity/Bread financial failed to alert me in XXXX that the final payment in XXXX was not received. The company was aware without the final payment, I would be responsible for a balloon interest rate of {$5000.00} which was over half my purchase amount. I received a statement in XXXX with the interest charges and a late fee. I contacted the credit card company and was advised there was nothing that could be done. I was on the phone for about XXXX hours trying to have the charges reversed. Since, filing this claim, I received notification from the bank advising of a reduced interest rate and I am on a financial hardship program. That is not what I am requesting. I feel that the bank committed fraud. I would like the interest charges reversed from my account. I need assistance from CFPB.
Product: Mortgage

Chase is moving forward with a foreclosure sale on XXXX XXXX 's home despite the fact that her lossmitigation review remains pending. Dual tracking is a violation of Regulation X, 12 C.F.R. 1024.41 ( g ) so  we did file a complaint with the CFPB the sale likely wont be stopped.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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> XXXX XX/XX/year> These accounts have XXXX XXXX several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a request to receive my free annual consumer report and as of XX/XX/2020 I have yet to receive any consumer report from any of the three bureaus.
Product: Checking or savings account

On XX/XX/2018 my account was charged an unauthorized amount for {$890.00} from XXXX. This charge was was not authorized by me. I have reached out to XXXX to refund me but they have refused, so I called my Chase bank who I thought would help me but they did not get my funds back. I am so heartbroken and have low funds due to this. Someone please help me recover this so I can pay my rent I will be living on the street with my XXXX year old daughter someone please give me a solution.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I requested to Opt-Out of the accounts listed below per per 15 USC 6802b , 16 CFR 313.7a, 12 CFR 1016.7a ( 1 ) ( 2 ) and no one has responded to my request. This is a direct violation of this law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, My husband and I financed a vehicle through XXXX XXXX XXXX. During the loan XXXX Drive Now illegally activated a remote disable device on my vehicle preventing medical transportation, and violating state pandemic protections. XXXX of Illinois XXXX order number XXXX to be more precise. 

In XX/XX/XXXX, my husband and I fell ill with XXXX. Unable to properly access healthcare, because of issues with transportation his XXXX unfortunately relapsed and he now requires permanent XXXX and XXXX which he will have to be on for the rest of his life. 

We notified Drive Now of our hardship due to the pandemic and the financial burden it had caused. We voluntarily surrendered the vehicle on XX/XX/XXXX, as instructed. However XXXX Drive Now unlawfully garnished my husbands wages without notice or a valid court order. Then a month later they returned a portion of what they had his job garnish. To this day we're still confused as to how they came up with the amount question why the amount and why the return of a portion of it. We asked them in our certified letter to explain this as well. Before sending the certified letter to Drive Now, My husband made a call to the Drive Now office to request information on the amounts stated on our credit files. We wanted to know if the vehicle was sold because if so, we werent given credit for it, as well as questions regarding the wage garnishments. The woman he was speaking with in the finance office, literally laughed when my husband was trying to explain his illness. This is very discerning. She referred to him as not being truthful about his XXXX and the XXXX issues we experienced. Not only have they violated so many laws and regulations but to laugh at someone being seriously ill is beyond comprehension as well as professionalism. 

We disputed this improper debt collection and requested validation, which Drive Now failed to provide, violating the FDCPA. The invalid repossession also continues damaging both of our credit unlawfully.

Drive Nows willful disregard of the FDCPA, state debt collection laws, wage garnishment laws, and pandemic protections have unjustly harmed us. I request an investigation and enforcement action against Drive Now for : - Illegally disabling my vehicle during state pandemic restrictions- Unlawful wage garnishment without notice or court order - Failure to validate disputed debt as required by federal law - Inaccurate credit reporting and wrongful repossession notation, collections - Lack of response to consumer complaints and violations
Product: Money transfer, virtual currency, or money service

this link shows the details ( XX/XX/2021 ) : XXXX Ether : https : XXXX I had a transaction that failed but I still had my money removed from my wallet and never refunded, was looking to get that back please. I reached out the COINBASE but they said I need to talk with UNISWAP, getting the runaround ... XXXX doesn't answer e-mails, COINBASE just points the finger to someone else. .04 Ether was removed from my COINBASE wallet but the " trade '' was never completed yet my money was removed. can you help me?
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the list of companies have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 USC 1681 SEC 602 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 USC 1681 SEC 605 ( 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. 

15 USC 1681 ( C ) ( A ) 5 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

( b ) Exempted cases The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with- ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. 

XX/XX/XXXX XXXX {$530.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$680.00} XX/XX/XXXX XXXX {$19000.00} XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX {$980.00} ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  {$11000.00} XX/XX/XXXX XXXX ( XXXX XXXX XXXX ) {$560.00} XX/XX/XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX {$250.00} XX/XX/XXXX XXXXXXXX XXXX ( XXXXXXXX XXXX XXXXXXXX XXXX ) {$320.00} XX/XX/XXXX XXXX XXXX ( XXXX XXXX ) {$5200.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$680.00} XX/XX/XXXX XXXX XXXX XXXX {$3000.00}
Product: Consumer Loan

ONEMAIN  XXXX   XXXX   XXXX   XXXX , TX  XXXX  This address sent me an email stating I was denied a loan. I did not apply for any type of loan. Someone else has used my personal information to apply for a loan. I did not provide my personal information nor did I give permission to use my personal information to  any one. I 'm in the process in repairing my credit. I have a very low credit score and I know myself I can not get a loan any where, so I do not apply for any types of loans until I get my credit score higher.
Product: Credit reporting or other personal consumer reports

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

On XX/XX/2023, a hard inquiry to my credit report was made by XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NJ XXXX XXXX XXXX XXXX XXXX XXXX This inquiry was not authorized by me. 
I had not been in contact with this company before. 
After researching the inquiry, I have contacted the company on XX/XX/XXXX and asked them to revert the inquiry. 

They have not responded. They have not reversed the inquiry.