23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I will keep this situation as direct as can be ... 

XX/XX/XXXX My XXXX XXXX XXXX was stolen from my apartment complex called XXXX XXXX  XXXX XXXX. And filed a police report with XXXX Sheriffs Office on the same day. My insurance company, XXXX, did not cover the damages due to them dropping me off the insurance plan due to me using my car for XXXX XXXX XXXX ( i.e. XXXX, XXXX  ) XX/XX/XXXX I contacted my Financial company, Santander Consumer USA, to inform them that my car was stolen and they still deem me liable for the payments ( $ XXXX/mth ), claiming that it was in my contract. Yet, they knew the car was stolen and they knew how to track it because they keep a low jack tracker  in the vehicle. 

XX/XX/XXXX The financial company seized my account and implemented a charge off towards my account, despite knowing that the car was stolen, which resulted in me riding in rentals from XX/XX/XXXX to XX/XX/XXXX. 

XX/XX/XXXX I contact Santander Consumer USA to reach settlement and they tried to finesse with paying the full balance of vehicle, yet while KNOWINGLY having the location to the vehicle. 

XX/XX/XXXX I called Santander Consumer USA and gave them my police report, which solidified my case that the financial company knew where the car was located due to them have a low jack tracker  in the vehicle, same device used when a consumer leases a vehicle from a dealership. 

XX/XX/XXXX I received a phone call from the XXXX Sheriffs Office around XXXX about the whereabouts to my XXXX XXXX XXXX. And that resulted in me picking up the vehicle from a subdivision located in XXXX XXXX, FL. 

XX/XX/XXXX, XXXX XXXX, XXXX No communication made between me and Santander Consumer USA about working out a plan to fix this issue of non-payments towards the XXXX XXXX XXXX. 

XX/XX/XXXX I received a phone call from Santander Consumer USA phone client Ms. XXXX ( Emp # XXXX ) about working out a financial settlement to fix this issue, nothing was mentioned of a repossession at all, yet KNOWING about my circumstances-evidences and documented. 

XX/XX/XXXX XXXX XXXX XXXX  was repossessed unbeknownst to me, and I never gave them the address to my new place, which is located in XXXX, FL ( XXXX XXXX ). 

XX/XX/XXXX-XX/XX/2021 Been seeking resolutions and settlements from an incompetent financial service that is Santander Consumer USA, and they claim to only have one settlement which is a payoff. And as a result, the best solution for me is to let them take it to auction and pay the difference, which by that time I can just file a lawsuit and have Santander USA pay the difference for me, since they want to show their incompetence, lack of morale, and XXXX poor customer service, as well as business acumen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a refinance on my home and was alerted about a collection account. I reviewed the report and found an error. I disputed the collection account because : 1 ) I have never had an account with Wakefield & Associates 2 ) Wakefield & Associates refused to give me information about the XXXX XXXX account. 
3 ) I have never had an account with XXXX XXXX and/or ANY of their doctors or staff. 
4 ) I have always carried proper medical insurance.

5 ) I have always paid the insurance company my portion of any medical bill.
Product: Credit card

I have tried numerous attemps to communicate with said companies with providing my Negotiable Instruments. Some of these Companies simply keep my Instrument and tell me they can not accept it.

According to UCC 3-603 and UCC 3-311 and Instrument Tendered is sufficient to satify any Obligation of the United States. These Companies stay in Violation of those Rules of the UCC with all Commerce is Governed by.

Any Company or Institution that refuses these Instruments according to the UCC is Pursuant for DIscharge regardless they Honor the Instrument or not. Thats the Law and the Rule of the Land. 

Everything is credit We are in Bankruptcy so you cant expect real monies ( Gold and Silver ) is the only Lawful Money and all Obligations are for the United States and go to the United States Treasury.
Product: Credit reporting or other personal consumer reports

XXXX card account number XXXX balance reporting incorrectly for XXXX for Month of XX/XX/2023. However, balance is currently at a XXXX ( XXXX  ) balance
Product: Money transfer, virtual currency, or money service

I am filing a COMPLAINT AGAINST CASH APP ( BLOCK , INC ) DUE TO INADEQUATE CUSTOMER SERVICE AND UPFAIR PRACTICES, WHICH VIOLATE THE CONSUMER FINANCIAL PROTECTION ACT ( CFPA ). SPECIFICALLY, CASH APP FAILED TO TAKE TIMELY AND EFFECTIVE MEASURES TO PREVENT AND ADDRESS FRAUD ON THEIR PLATFORM, LEAVING MY ACCOUNT VULNERABLE AND UNPROTECTED. FURTHERMORE, THEIR DISPUTE RESOLUTION PROCESS WAS UNFAIR AND DECCEPTIVE, AS THEY DID NOT COMPLY WITH ERROR RESOLUTION REQUIREMENTS UNDER THE ELECTRONIC FUND TRANSFER ACT ( EFTA ) AND REGULATION E. THESE ACTIONS HAVE CAUSED SIGNIFICANT INCONVENIENCE AND FINANCIALLOSS, AND I SEK APPRIOTE REDRESS FOR THESE VIOLATIONS.
Product: Checking or savings account

while going through old papers which belonged to my XXXX husband, I found 2 CD certificates from XXXX XXXX XXXX in XXXX, now defunct. I researched and found that bank became LaSalle Bank and later Bank of America. I went to Bank of America, but the account numbers were not in their records. I was given no further advise I have the original Certificates with Customer names and account number and date of issue and date of maturity.
Product: Debt collection

PROCOLLECT , INC has placed a negative item back on my credit report after 7 years has past.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and the to print me out a copy. There are items on my credit that need to be removed as soon as possible. These are fraudulent accounts.
Product: Credit reporting or other personal consumer reports

It has come to my attention that DISCOVER FINANCIAL SERVICES has been sharing my information with non affiliate 3rd party. Pursuant to 15 U.S. Code 6802 and the Privacy Act of 1974, they should not be sharing my information with 3rd party non-affiliates without the required disclosures. I'm coming to the CFPB because under 15 U.S. Code 6805. I am using my right to opt out 16 cfr 313 Privacy of Consumer Financial Information.
Product: Credit card or prepaid card

We used a moving services that we paid for with Capital One quicksilver card. The movers came in, damaged our hardwood floors during the move and rejected our claim to fix the damaged floor or reimburse us for the damages. The moving company ( XXXX XXXX XXXX XXXX XXXX, on XX/XX/2021, amount of XXXX $ ) has a rule stated in their contract that if damages were caused by them they will come, assess the damage and fix it. We attempted multiple times to get this issue resolved and they would not communicate with us. We complaint to a XXXX  and they never responses to that complaint either. So having no other choice we reached out to Capital one to dispute the charge made on XX/XX/2021 of XXXX $ due to movers not providing the services that they set up to provide to us. The experience working with Capital one charge dispute department was very bad. I had to call them 10 times and repeat my issues over and over again to get anybody to advise on what was going to with my dispute. Finally I got the letter from Capital One with the documents that I needed to provide for them to be able to dispute the charge. I provided every document that they requested, including proof of the damages, copies of complaints, attempts of communication with the merchant, second opinion letter, all of it. Capital one kept sending me notes that I haven't provided them anything. I kept calling and they kept asking me to resubmit my documents again and again. There was a time line that I needed to meet which I did, all the documents were submitted by XX/XX/XXXX. After the deadline passed Capital one still sent me a note that I haven't provided any documents. When I called the XXXX time they told me that the second opinion letter for example needed to have an amount and a date on it - I wasn't told that before, it was not included in their document that they sent me with a description of what they needed. The copies of emails that I sent to the merchant needed to have dates on them, again, I was not instructed that it was needed before the deadline had already passed. So in short, Capital one kept coming up with new requirements when they know the time line has already expired despite me calling them multiple times asking what exactly they needed and what can I provide to them on time to support a claim. So basically, their actions prevented us from been able to dispute the charge. I tried to complain to Capital one itself and nobody in their customer service would accept my complaint or admit that they failed on their part to help me support my claim. It was a very disappointing experience, we've been Capital one customers for many years. Now we are stuck with damaged floors and all due to Capital one not been able to have a clear timely communication with their customers and total unprofessionalism of their dispute department. We were asking to cancel the charge so we could use that money to fix the floors ourselves, which is way more expensive than XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT WAS OPEN SOMETIME AGO IN MY NAME I HAD KNOW KNOWLEDGE OF THIS ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account names : # XXXX, XXXX  XXXX, XXXX XXXX, XXXX  XXXX, XXXX  XXXX, XXXX  XXXX  XXXX, XXXX, XXXX, XXXX/XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights. 
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 or other personal consumer reports

I bank at United States Bank in XXXX XXXX, oregon. complaint is I've been with over 10yrs and never have over drawn or behind of paying my credit card off. I have a debt and credit card? Several time I have ask for increase of XXXX 's and turn down all the time. There looking at credit score which is fair etc. There not looking at the my history with there bank. This is want there judging me for. Went to the manager of the bank and she gave me XXXX excuse. I don't believe her at all. This is not fair at all. I have another credit card with good standing and they increase my limit. Yet my own bank won't increase my limit... Pleas what can you do about this. I even card the credit sevice and took down my infor 2weeks later they turn me down
Product: Debt collection

XXXX XXXX XXXX is reporting incorrectly on my credit report a collection for XXXX. ( Please see the attached credit report. ) XXXX contacted me regarding a dept owed and the representative and I were trying to figure out this account because I had previously cancelled the account and XXXX consequently billed me incorrectly. The representative that I spoke with was going to investigate this error further and I was told that I would be receiving a call back. I never received a call and consequently XXXX just decided to send this account over to XXXX XXXX XXXX. When I was made aware that this account had gone to collections, I immediately contacted XXXX and explained the situation and XXXX agreed that someone should have called me back. XXXX agreed to take a payment and XXXX also informed me that they would contact XXXX XXXX XXXX to get this inaccurate reporting deleted. XXXX XXXX XXXX is now saying they can not delete this, which is totally incorrect. This inaccurate reporting is harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing an account with CitiCard since the beginning of XX/XX/XXXX when they reported an account that was past due. This account was settled and paid off in XX/XX/XXXX. I have spoken to CitiCard and they sent me a letter stating there was a XXXX balance. Still unresolved. I submitted a dispute through here, and CitiCard came back and said the past due balance was correct. It is not. I am attaching the letter stating the XXXX balance, and the dispute resolution contradicting their first letter. I also spoke to the law office today who handled the pay off and they are emailing me a XXXX balance letter and stated that CitiCard in XX/XX/XXXX was notified the account was paid.
Product: Debt collection

A debt collector IC Systems of Kansas went through a law office garnished my wages for XXXX. The law office reiieved check on XXXX from USD XXXX ( my employer ) and sent the check onto IC Systems of Kansas who received it on XX/XX/XXXX. I was told on XX/XX/XXXX that the funds had to be held by IC Systems of Kansas for XXXX weeks to confirm debt was paid which 2 weeks from the XX/XX/XXXX was XX/XX/XXXX. When calling back to ask when to expect my check IC Systems told me 2 more weeks which is XX/XX/XXXX. Calling today to IC systems to see where my check for XXXX is they claim to have sent it to the state of Kansas. Called state of kansas which stated they received payment from IC Systems for only XXXX. This is not right. Where is my money that is owed to me. I feel like I have waited a reasonable amount of time. This debtt collector has held my money and is not returning what is owed to me. As of XX/XX/XXXX I have not received the XXXX they promised to refund me for money collected on a debt that was paid in full. IC Systems can tell me the file is closed and the debt is paid but cant find my money.
Product: Debt collection

Last year I received a summons for a credit card that is not nor ever was mine. I sent it all the information that was requested as did my wife. They are just assuming this is my debt. I do n't know how more to prove that it is not I when it seems that all Mark Johnson LLC has to do is say it is me. Anyway I sent all the documentation that was requested. I also told them that I think it could be fraud done by my estranged daughter. I NEVER received a court date to fight these allegations. The next thing I know my check has been garnished in an exorbitant amount! I do n't know what to do because it 's impossible for me to prove a negative.
Product: Credit reporting or other personal consumer reports

The following companies made unlawful requests on my personal credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquires. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Money continues to come up missing out of my account it happened numerous times when I requesting them they wouldn't tell me that it's not their fault to contact the merchant yet there was no merchant contact because it's just money that's coming up missing or it would be a advocate that what's the bot that would constantly tell me to do processes that I'd already done.
Product: Prepaid card

I PURCHASED XXXX GOGGLE {$25.00} GIFT CARDS AND WHEN I WENT TO USE XXXX-IT HAS ALREADY BEEN USED. STILL HAVE THE GREY SECURE MARKINGS AND CALLED AND NO HELPI PURCHASED XXXX GOOGLE {$25.00} GIFT CARDS FOR MY SONS BIRTHDAY AROUND THE LAST WEEK OF XXXX 2015. I PUT THEM IN A DRAWER AS I HAVE A IPHONE AND HAVE NO NEED FOR THEM. MY SON ASKED IF HE COULD HAVE XXXX CARD AND I SAID YES, WE BOTH SCRATCHED OFF TOGETHER AND IT SAID REDEEMED. I WAS SHOCKED AND CALLED GOOGLE IMMEDIATELY AT XXXX. THE LADY I CALLED ON XXXX XXXX 2015 TOLD ME IT WOULD GET INVESTIGATED AND TO SEND PICS VIA EMAIL TO GOOGLE VIA EMAIL AT XXXXXXXXXXXX .I DID AND SHE SAID SHE WOULD GET BACK TO ME MONDAY OR TUESDAY XXXX THE XXXX AS IT WOULD BE LOOKED AT. I CALLED THEM ON TUESDAY THE XXXX AND THEY SAID THAT IF I DID NOT HAVE THE RECEIPT THERE WAS NOTHING THEY COULD DO. KEEP IN MIND THAT I SPENT {$75.00} AND THE CARDS GREY SECURE MARKINGS WAS STILL IN TACT AND GOOGLE SAID ALL XXXX CARDS WERE REDEEMED. AS U CAN SEE IT IS VERY FRUSTRATING AND I ASKED TO SPEAK TO A SUPERVISOR. THE NEXT PERSON ON THE LINE TO SPEAK TO ME WAS XXXX, HE WAS RUDE AND TOLD ME TO TAKE THE SCRATCHED CARD TO WHERE I PURCHASED AND AND BEG FOR MY MONEY BACK AS GOOGLE WOULD NOT DO ANYTHING TO HELP ME. WHEN I ASKED TO SPEAK TO HIS BOSS/HE WOULD NOT LET ME AND TOLD ME THAT I WOULD LOSE MY {$75.00} AND HE WOULD NOT HELP ME. I FEEL THAT THIS IS UNPROFESSIONAL AND UNETHICAL. I DONT SEE HOW A CARD COULD BE REDEEMED IF IT IS NOT SCRATCHED. I AM COMPLAINING TO MAKE IT KNOWN TO HEADQUARTERS AND TO MAKE THIS RIGHT. I JUS WANT MY SON TO HAVE A NICE BIRTHDAY AND IT SEEMS LIKE I AM GOING TO LOSE {$75.00} BECAUSE GOOGLE DOES NOT WANT TO HELP AND STAND BEHIND THIER PRODUCT. PLEASE CONTACT ME AND GET BACK TO ME AS SOON AS POSSIBLE AND HELP. THANK YOU FOR YOUR CONSIDERATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX breach caused inaccurate information on my credit report sent po report XXXX violation of my cra right remove the inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted more disputes than I could count on one hand with Experian credit bureau over the past two months regarding incorrect reporting on my credit report from a company named XXXX XXXX. Experian is clearly not looking at the documents I'm sending them that prove that XXXX XXXX is falsely reporting on my credit report. I sent EXPERIAN payment history from XXXX XXXX themselves that shows they have been paid on time, transaction history from XXXX XXXX that shows XXXX XXXX has and is getting paid on time, and copies of my credit report from all three credit bureaus that clearly show that XXXX XXXX has reporting issues. For example, they're reporting to XXXX credit bureau that I've been late paying them for one month, and to the EXPERIAN and XXXX credit bureaus for six months. Experian really needs to take a hard look at what I'm sending as proof that XXXX XXXX is totally incompetent and falsely reporting on my credit report. Bottom line up front : XXXX XXXX has been getting paid on time every time via my XXXX XXXX card, set on automatic, and recurring payment with zero issues since they took over for the previous company, XXXX. You tell me how a payment can be late if it's set to automatic reoccurring payments. If someone would just get off their behind and call XXXX XXXX, this could all be resolved. Experian is simply passing what I have to say XXXX XXXX and they are simply replying that they are responding correctly, and that's not correct. Experian needs to verify that this is correct and not just accept what they have to say. All I'm asking for is that Experian take the time to look at my documents, and they will see that XXXXXXXX XXXX is wrong. Please call XXXX XXXX to verify that the payment was setup for reoccurring and automatic payment ; therefore, the payment was and has never been late. If the payment was ever late, it was because XXXX XXXX didn't do their job and initiate the payment on time. Please clear this inaccurate and false reporting from my credit report. This is not okay.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4500.00} -This is not my account.
Product: Debt collection

Following a close review of my credit report, I discovered various accounts that are fraudulent and were included without my knowledge.
Product: Mortgage

Quicken Loans is discriminating against people who were on a forebarrance due to COVID19 financial hardship. Due to errors made by XXXX XXXX, they are using this as a means to deny my application. I have excellent credit and this is absolutely ridiculous. XXXX XXXX explained to the mortgage associate what the circumstances were, but XXXX  went forward with cancelling my loan.
Product: Debt collection

I was a victim of identity theft and noticed a collection from CREDIT BUREAU SERVICES ASSOCIATION I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CREDIT BUREAU SERVICES ASSOCIATION in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity XXXX. Attached is my document. Thank you
Product: Credit card

I recently was notified that my Chase credit cards were increasing cash advance APR by 5 %, increasing balance transfer fees from 3 % to 5 %, increasing late fees, etc. I thought this agency was in place to stop this kind of unjustified practice. This is done just to increase the profits of Chase bank with no respect to its customers. 
Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Sunrise Credit Services filed a collection of {$2500.00} related to an XXXX XXXX XXXX  account. They filed this on XX/XX/2023. 

I have never had an account with XXXX XXXX XXXX This is a fraudulent account ; this collection is causing me a great deal of stress as well as damage to my credit score. 

I have filed disputes with all three credit reporting agencies but have not had success.