23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I do n't know who these people are at Hillcrest Davison, and Associates, and what debt they could possibly be trying to collect. I am all paid up on everything. I have no credit card debt, student loan, mortgage, car payment : NOTHING.There was a dispute with XXXX for an early termination contract, but I settled that months ago through the XXXX ( and have it in writing from them ). XXXX discharged the early termination fee and said so IN WRITING to the XXXX and myself. These XXXX at " XXXX XXXX '', who are a bunch of thugs, have been calling my home #, my cell #, and my MOM '' s phone #. They are harassing me for a debt I do not owe. I am not going to call them back and deal with a bunch of scammers, because that is what they are. I spent literally months dealing with the XXXX at XXXX before we finally got it settled, and now these guys are trying to hassle me? I see their website has been hacked, too! I would NOT have any sort of dealings with these people. They are con artists and scammers.
Product: Credit reporting or other personal consumer reports

I also want to address the charge-offs listed on my report. According to applicable laws, once a charge-off is declared, it can not legally be sold to a collection agency. Therefore, I request that any charge-offs be adjusted to reflect a XXXX balance. 

Furthermore, under the doctrine of estoppel by silence, as referenced in XXXX XXXX XXXX, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items due to the ongoing litigation. 

Please conduct a comprehensive investigation and update my credit report accordingly. I expect a written response within 30 days, as stipulated by the Fair Credit Reporting Act. 

Enclosed are copies of supporting documents to assist with your investigation. 

Thank you for your prompt attention to this matter.
Product: Debt collection

I'm asking for Debt Validation...

According to 15 USC 1692g requires debt collectors to follow CERTAIN procedures when validating debts : XXXX XXXX and LVNV FUNDING LLC have violated my rights. 
1. I want a detailed list of payments made by me on these accounts.

2. I want to see a signature that I put on a contract guaranteeing that I would pay this creditor.

3. I'm asking to see if there has been any insurance CLAIMS found on these debts.

4. I want proof that you have the chain of title to collect on these debts.

Also, According to 15 USC 6802 : Obligations with respect to disclosures of personal information.

( a ) Notice Requirements A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a Notice that complies with section 6803 of this title. 
You ; XXXX XXXX and LVNV Funding LLC have violated all ABOVE laws
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I initiated disputes in XXXX of XXXX, and followed up with the disputing process beginning XX/XX/XXXX. Since XX/XX/XXXX, I have asked the credit bureau, Experian, to assist with getting these items from XXXX XXXX XXXX and XXXX removed from my credit report due to it being an error, the collection agency for verification and validation of the debt, and another request to the credit bureau requesting a re-investigation with the provided documentation that the collection agency failed to verify and validate this debt. 

My consumer reports shows that there is a fraud alert on my files due to information that isn't mine and accounts showing up on my report that did not belong to me, but because of similar names and state of residences, their information was intertwined with mine through the collection process of " skip tracing ''.
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, Account name : # XXXX, Account name : # XXXX, Account name : # 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, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report by 7 years. 

15 U.S.C. 1681s-2 is a section of the Fair Credit Reporting Act ( FCRA ) that outlines the responsibilities of furnishers of information to consumer reporting agencies. It includes provisions that require furnishers to : Not furnish information they know or consciously avoid knowing is inaccurate. 
Not furnish information if they have been notified by the consumer that specific information is inaccurate, unless they specify an address for such notices. 
Investigate disputes regarding the completeness or accuracy of information within a specified time frame. 
Report the results of investigations to consumer reporting agencies. 
Correct inaccurate information and report those corrections to all consumer reporting agencies that compile and maintain files on consumers on a nationwide basis. 
The section also limits liability for certain failures to comply with its provisions and specifies that enforcement is carried out exclusively by federal agencies and state officials identified in the FCRA.
Product: Consumer Loan

On XXXX/XXXX/XXXX, we traded our XXXX Dodge Durango to a dealership. After the payoff funds were sent to Santander Consumer USA, they refused to release the title to the dealership. The Dealership could not resell the vehicle and then Santander went and took possession of the XXXX Dodge Durango from the Dealership. Now they are trying to collect money from me, claiming it is the balance of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. Please remove all fraudulent inaccurate accounts as I have no know of any of these accounts due to the Equifax & XXXX data breaches/ identity theft. All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over.
Product: Debt collection

Tenaglia and hunt debt collector XXXX my savings account for the whole amount, then continued to garnished my wages for the same amount. I contacted the court officer and they contacted adp and human resources to stop garnishment. I didn't receive any refund yet. The firm XXXX and hunt won't return my calls or emails. Case # XXXX. They levy the my saving account on XX/XX/XXXX for the whole amount then continued to garnished my wages on XX/XX/XXXX to XX/XX/XXXX. The garnishment has stopped but I didn't receive any refund back yet.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those accounts to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX, XXXX XXXX, Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX has submitted a debt in my name for the amount {$29.00}. It was received by me today, XXXX XXXX XXXX. I have been contacted previously and have each time told the people I have XXXX insurances, XXXX and XXXX and if needed, XXXX. Account number XXXX. Their failure to process the secondary insurance is not my debt. I want this cleared up as soon as possible. Provider information : XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX ... XXXX OK XXXX. XXXX. Turned into AMR, XXXX XXXX XXXX, XXXX OK ... XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent my first letter to the credit bureaus in regards to an account that is inaccurately reporting on my credit report ( XXXX XXXX ). XXXX XXXX is reporting my date of last active and date of last payment inaccurate. I have sent a letter asking them to verify, validate, and investigate this account. I have yet to receive a response after several attempts. I have been patients but they have had more than enough time to properly investigate my requests. This is a violation.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, while in a foreign country I was drugged and my phone was stolen and hacked. Multiple accounts have been breached and accessed. When I attempted to regain access to my XXXX XXXX account on the following day, I got an error message saying that my login information was not recognized. I tried to regain access by requesting a reset link to be sent to my email. I got an online response that it was sent but the link never came. At that point I attempted to call XXXX XXXX at their published number XXXX. The automated message said that the only way to get customer service was to request a call back from the app. However I could not login into the app, because the thieves altered the login info and changed the email and phone number linked to the account. In essence : There was absolutely no way for me to contact XXXX XXXX to report the breach and freeze the account. 

Out of desperation, I created a new account and requested a callback. When a rep finally called back, I tried to explain to her what happened and that I needed to regain access to my old account. She clearly had no understanding or interest in helping me. She hung up on me even though I asked to speak to a supervisor or someone who had a better understanding of the system. Subsequently, it took me almost 2 months and close to 30 instances of contact with XXXX XXXX to gain access to my original account. At this point my account was emptied by the thieves. I lost about {$24000.00}. Reviewing the transactions, I saw that it took almost a week to empty the account ( Statement attached ). Had there been a mechanism for reporting this fraud, I could have frozen the account on the following day. 

On XX/XX/XXXX I was finally able to convey the full details of the breach to a customer service rep who took down all the info and told me that my funds would definitely be restored. 

No one from XXXX XXXX ever contacted me again regarding this matter and about two months ago my old account became restricted again. I can not request a call back because the phone number that is associated with the account is still that of the thieves. When I try to update the phone number, I get the same message Try again tomorrow. 

It is unbelievable that my account could be so easily hacked by the thieves, but took me many months to restore. Furthermore, there exists no mechanism within XXXX XXXX to report a hack and freeze the account, something that I was able to do with all my other financial institutions. Just as shocking is lack of any action on such a security breach and fraud by the company so far, despite the promises by the customer service rep to restore the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX parties reporting false information
Product: Debt collection

NAVY FEDERAL CREDIT UNION CONTINUES TO VIOLATE THE DODD-FRANK WALL STREET REFROM AND CONSUMER PROTECTION ACT. FALSELY THREATENING LEGAL ACTION, WAGE GARNISHMENT, AND VERBAL THREATS OF LEGAL ACTION. ALSO MISREPRESENTING ITS INFLUENCE ON A CONSUMERS CREDIT RATING BY IMPLYING THAT ID COULD RAISE OR LOWER THE RATING OR AFFECT A CONSUMERS ACCESS TO CREDIT, IT HAS BEEN IMPOSSIBLE TO OBTAIN FURTHER CREDIT BECAUSE OF THE NAVY FEDERAL IDENTITY THEFT ACCOUNT ON MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

I have inaccurate information on my credit report on XXXX, XXXX and Equifax that I have XXXX closed Charge off accounts from XXXX  XXXX with reporting balance {$2300.00}, and XXXX XXXX XXXXXXXX XXXX XXXX XXXX balance of {$1100.00}. I never received a 1099 c form from the debt being paid off, and according to Law FRCA 605B it is illegal to report information on my credit report without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022, I sent a dispute to Experian, XXXX and XXXX credit reporting agencies. The results came back as verified as accurate. On XX/XX/2022, I sent a method of verification letter to all 3 reporting agencies requesting the description of the procedure used to determine the accuracy, name, address and telephone of each person contacted regarding the disputed account and a copy of any documents provided bearing my signature showing that I have a legally binding contractual obligation to pay the amount claimed. I asked that that those items be sent to me within 15 days and as of today XX/XX/2022, I have not received any documentation. I have attached a copy of the letter sent to all 3 reporting agencies and a copies of the US postal service certified mail receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accotdance with the Fair Credit Reporting Act XXXX  account XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX acct # XXXX XXXX  XXXX XXXX acct # XXXX XXXX acct # XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXXXXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 it also stated a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with Santander on numerous occasions ; however, they did not notate my report to reflect as such. Instead, their response to my previous complaint proved that they need to delete the account entire from all three bureaus. Not only did they mail notices to an address I never lived at ( which is required according to the FDCPA ), they openly stated that they could " report an account as open/charged off ''. An account can not be open and charged off nor can it be reopened and report a missing payment which can have extreme financial injuries and repercussions. According to XXXX XXXX Santander Consumer USA, Santander has previously and continuously refuses to properly investigate and remedy their negligent reporting at the emotional and financial expense of the consumer.
Product: Money transfer, virtual currency, or money service

I set up a XXXX  account and attempted to link a bank account to be able to fund. Access denied.
Product: Credit card or prepaid card

A different address was added Also a personal loan has reported delinquent XXXX  times Ive paid them in small payments but they are still reporting
Product: Credit card

I am filing this complaint regarding a disputed transaction with XXXX XXXX XXXX, which occurred on XX/XX/year>. The transaction amount was {$490.00}, whereas the correct amount should have been {$460.00}. This dispute was handled by Wells Fargo ( Dispute Number : XXXX ), but my claim was rejected despite efforts to resolve the issue directly with the hotel. 

Summary of Events : 1. Upon check-in at the hotel, I mistakenly selected to pay in USD instead of the local currency ( ISK ), which resulted in an overcharge due to unfavorable exchange rates and additional fees. 
2. I immediately requested that the hotel staff cancel and redo the transaction in ISK. However, the hotel refused to honor this request, forcing me to accept the payment in USD. 
3. After my stay, I reached out to the hotel to resolve the issue, but they claimed that any exchange fees were imposed by my credit card issuer and that they could not issue a refund or adjust the transaction. 
4. I then disputed the transaction with Wells Fargo, but my claim was denied on the grounds that the transaction amount matched what was processed. However, this ignores the fact that I requested the transaction to be processed in ISK, and the hotel refused to accommodate my request, resulting in unnecessary fees. 

I am seeking assistance to address this unfair practice, which led to additional costs that could have been avoided had the hotel honored my request. I am requesting that Wells Fargo or the merchant adjust the transaction amount to reflect the correct total of {$460.00}, as the additional {$28.00} charge was a direct result of the hotels refusal to process the payment in the local currency.
Product: Credit card or prepaid card

Capital One is insisting I have no claim of fraud, and so they are not refunding false charges made on my account -- they say because I gave my credit card number to the people making the false charge. I was victim of a scam, in which I I did give my credit card number to scammers because they were posing as XXXX XXXXXXXX. I reported to credit card company within two days, after learning from the real XXXX XXXX that they had no such transaction with me in their records. Capital One put a refund into my account while they " investigated. '' But today that refund was reversed in my account and the investigation closed. I've been on the phone with several departments at Capital One today, for several hours, and all insist they can do nothing because I gave my number to the scammers. The fake charges on my account showed up as from " XXXX  XXXX '' but the identifying info with it is easily determined to be fake -- the money did not go to XXXX  XXXX. Capital One 's " investigation '' consisted of contacting the scammers and asking them if I had made this charge with them. Scammers said yes I had, and sent falsified documents purportedly showing the itinerary I purchased. Those documents were also easily identified as fakes ( putting the included phone number into XXXX links to XXXX XXXX website and definitely not XXXX  XXXX ). Capital One accepted these documents and closed my case, and that's when the $ XXXX showed back up in my account as me still owing it to the credit card company. ( Not to mention Capital One accepted a fake charge in the first place -- a fake name attached to identifying info not related to the identifying info of the real XXXX XXXX! )
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Experian, and XXXX are reporting inaccurate information on my XXXX XXXX XXXX XXXX. It's reporting as 60 days late.
Product: Vehicle loan or lease

From its initial Creation of the contract on The 2005 XXXX XXXX, Credit acceptance applied Bad faith price gouging. At this point and time I have paid for the truck twice, and they are attempting to make me pay for it a third time. Credit acceptance has targeted me with a contract that was unfair and deceptive setting me up to fail. They have hidden from me The True cost of the amount due. I sent 2 Certified mail correspondences kindly asking them in Good Faith to verify and clarify their contract. I never received a response. They ended up ignoring my request and towed/Stole my truck. I have put over {$10000.00} of my hard earned money into that truck, only for them to sell it for less than XXXX dollars. I really just want my truck back so that I can continue on my journey of the pursuit of happiness. If I can't have my truck back I would like all of my funds returned. Thank you guys for all that you do, and may ye all be blessed
Product: Credit reporting

I have a monitoring service through Experian. Every time I try to log in I have to navigate through unsolicited offers before seeing my credit file. On XXXX XXXX i logged in and try to view my product but clicked the wrong option and was charged XXXX. I immediately called in, explained what happened, said I did not want this product. The call center is in a non english speaking country so there is a language barrier. I was finally told I would receive a refund and would have access to the product I was charged for as it could not be undone. The refund would take the to XXXX days. I never received it back on my credit card. I called today, XXXX/XXXX/15 and was told the same thing. I have filed complaints with the XXXX and now the CFPB. My next step will be to file a fraud charge with my bank, XXXX. I just want my XXXX back, very simple.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have been sending letters to the credit bureaus to rectify and / or eliminate some accounts, I have sent letters since XXXX and I have not received any response from the credit bureaus Experian, XXXX, XXXX. I demand that they give me an answer corresponding to all the letters previously sent. 

I have sent letters consecutively from XX/XX/2020 to XX/XX/2020. 

Below I attach the letters sent to the bureaus