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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report # XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous information and inquiries which were being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Product: Debt collection

VALIDATION AND CEASE AND DESIST Midland Credit Management AddressXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Dear Midland Credit Management, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Debt collection

Company called myself and wife stating that they were coming with a sheriff if I did not rectify the issue. Misrepresenting themselves as from the County that I live in.
Product: Debt collection

I had a bank account with US BANK with a reserve line of credit attached that acted as an overdraft protection. I opened a bank account with a credit union and did not touch my US BANK account and it had $ in the account. I went inside a branch only to find out my account was negative and about to be sent to collections. Apparently they took out a reserve line payment for more than what the account had which I did not know until I went to the branch to physically make a payment so after that it accrued fees totaling over {$100.00}. I tried to fix the issue but it was already in collections so it went to XXXX   XXXX XXXX in XX/XX/2019 for the amount of {$150.00} which I disputed and never heard anything nor did I receive a letter or any documentation with the outcome of the dispute.Then on the XX/XX/XXXX I received a new collection letter for the same debt from XXXX XXXX which I also disputed and heard nothing.so I called the first collection agency appeles to ask what happened with the dispute they told me they weren't collecting a debt and it was marked paid in full but they couldnt release any paperwork stating that and advised me to call US BANK which claimed to have no notations of the dispute whats so ever. Fast forward to XX/XX/XXXX I received yet another collection letter with again no outcome from the last company on the dispute again this time it is XXXX XXXX XXXX XXXX I again disputed it for the 3rd time now within 5 months I'm just really getting tired of writing dispute letters only to get a letter for the same debt from another agency regarding the same debt that I have been disputing since XXXX. I just want this matter resolved.
Product: Debt collection

I was trimming the trees in my backyard, I got a scratched XXXX, went to the ER and they washed my XXXX, after they sent a bill for XXXX. There is no justification for this charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled out forms from the hospital on my medical bills because of my low income and they told me that I qualified for the help and that my bills would come off my credit report and they haven't!!! I am also charged with people checking my credit score and I have no knowledge of giving anyone permission to check my score and I haven't applied for any loans but everytime I turn around my credit score drops because someone has checked on my score for some reason and my score keeps dropping!!! This is absurded!! And I want it stopped and my score straightened out!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

filed section 609 or verification was not verified and not deleted!
Product: Vehicle loan or lease

XX/XX/XXXX was the day the contract was signed, I did read over this contract and to the best of my knowledge at the time this contract seemed to be a okay. Plus, I was able to ask the finance manager a couple of questions. I have recently become aware that I am a federally protected consumer under 15 usc 1601 ( TILA ). Since the new knowledge I have applied when reading ovr my contract i have seen some inconspicuous things. Starting with 15 USC 1605- Finance Charge. The Consumer credit contract gives a definition that didnt clearly make me aware of what the finance charge is supposed to entail. The US Code tells consumers the finance charge " shall be determined as the sum of all charges '', and further states " The finance charge does not include charges of a type payable in a comparable cash transaction ''. Santander failed to perform by making this clear and conspicuous to me, According to the " FINANCE CHARGE '' in the TILA disclosures in the " MOTOR VEHICLE RETAIL INSTALLMENT SALES CONTRACT '' the finance charge is XXXX ; but in the Following section is the AMOUNT FINANCED is XXXX. 
Also in 15 usc 1605 ( c ), Charges or premiums for insurance, against loss of or damage to property or against liability arising out of the ownership or use of property shall be included in the finance charge. Unless otherwise permitted. Santander consumer failed to make this disclosure to me as well. 
another Violation i spotted was 15 usc 1662 ( 2 ) regarding the advertisement of downpayments.i was told by XXXX XXXX, santander would not accept my credit application unless i had a downpayment, which led me to use my car XXXX  XXXX XXXX  ( {$2300.00} ) which is an irreplaceable Graduation Gift and an excess of XXXX FRN.
Product: Checking or savings account

On XX/XX/XXXX I opened a new account under a promotion offering a {$350.00} bonus upon meeting the requirement of having combined direct deposits totaling between {$5000.00} and {$7900.00} within 90 days. I completed the necessary requirements and, as instructed by a customer service representative, waited an additional 60 days for the bonus to be deposited. 

During this time, I spoke with three customer service representatives for updates. The first representative confirmed that I would receive the bonus on or before XX/XX/XXXX. However, the bonus was not deposited as promised. I contacted customer service again, and the second representative assured me that the bonus would be deposited after my statement closing date, which was XX/XX/XXXX. Despite waiting until XX/XX/XXXX, the bonus was still not credited to my account. 

When I reached out on XX/XX/XXXX, the representative claimed I had been contacted on XX/XX/XXXX, regarding the bonus. However, this is inaccurate ; I immediately answered the call, but the agent hung up. The same representative then stated that I would not be receiving the bonus because I supposedly had opened an account previously. This is incorrect, as the account I opened in XX/XX/XXXX is my first account with your institution. 

This situation raises concerns, particularly as I was repeatedly instructed to wait and maintain the account for the bonus, incurring monthly account fees throughout this period. If the bonus was never intended to be issued, these instructions were misleading.
Product: Debt collection

All the credit inquiries to TransUnion all the credit debt an inquiries to XXXX an all the credit an inquiries to XXXX I still have inquiries for cars I still cant get a bank account all the banks deny me I need the check system clear I need all inquires clear off my credit report help sort all this out it been 6 months trying Im disable trying to do all this overwhelming
Product: Checking or savings account

In XXXX, of 2021 I saw that my Chase account had charges from a bank in XXXX, and also charges on XXXX. 

I don't use XXXX, and it totaled out to XXXX $ in total. 

I called Chase and filed claims for unauthorized and fraudulent charges. 
I called them EVERY month and they never had anything to add, or say about my account. 

Then, all of a sudden my account was closed and charged off and they're saying I owe them XXXX dollars for transactions I NEVER MADE. 


I'm suing Chase now because this XXXX is XXXX ridiculous. This isn't how you do business.
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Credit card

I just lost my job and now I have time and wanted to consolidate my bills, call the credit card companies and set up payment plans. I called this number XXXX on XXXX/XXXX/16 at XXXX. A man answered me and asked for an account number which I could not give. He said something about it had to be transferred to customer service, then there was dead air. I said 'hello ', 'hello ' and no one answered, I got nervous so I hung up. I did not bother calling back. I did call CFPB as I wanted to make sure that what I was doing was right. I spoke to a very kind lady who gave me good advise and gave me a number to non-profit financial advisors should I wish to seek advise/guidance. 

At around XXXX, and my aunt sent me a message asking me to give her a call once I got to Pa. 

I called my aunt once I was in Pa and she told me that there was a court summons, the neighbor called my uncle because the neighbor did not want to sign the court summons addressed to me. 

I guess someone signed for it as my Aunt had the copy of the summons. I feel that my privacy was violated. It seemed fishy to me that I gave them a call, someone answered, there was dead air and suddenly someone showed up with a court summons dated XXXX XXXX, 2016.
Product: Credit reporting

Transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was given which is also a violation and I am requesting that all inquires be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have lodged disputes with Portfolio Recovery and XXXX XXXX with the belief they have reported negative items to my credit report which are not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX with subsequent requests in XX/XX/XXXX and XX/XX/XXXX. I started this process again XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus
Product: Payday loan, title loan, or personal loan

Per their website calculator I applied for a personal loan on XX/XX/2023. See screenshot with my circumstances, I entered the amount I need, the length of time I needed and my XXXX XXXX. they offered 10.99 % APR, so i went ahead and provided all my personal information and was told that my XXXX XXXX XXXX. I have an XXXX XXXX XXXX and very decent income, pay my CC on time and in full. I believe they either false advertise or discriminate. 
Then when I told them I was not interested and that please remove all my personal information from their website, they staff said she was not able and that I might be receiving advertising from other companies.
Product: Credit reporting or other personal consumer reports

I sent an email to XXXX asking to execute my rights under the FCRA and Utah Privacy law to understand what data they have on me. Their process was to email me back from noreply@hireright.com asking me to submit photo copies of my license and passport as well as give them my entire SSN. I understand validating who I am by asking for information and maybe a bill or statement that shows my current address, but they want me to give them the most sensitive information on me in order to see if they have information on me? Their process is deceptive and unacceptable. This puts consumers at additional risk.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Experian Information Solutions Inc., XXXX, and XXXX have violated my rights. 

XXXX5 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 an account without written instructions. 

The following information is incorrectly reported by Experian Information Solution Inc. 
XXXX XXXX account number : XXXX. This is not my account. 

The following information is incorrectly reported by XXXX. 
XXXX XXXX account number : XXXX. This is not my account. 

***PLEASE NOTE*** XXXX XXXX XXXX XXXX HAS ALREADY REMOVED THIS ACCOUNT DUE TO IDENTITY THEFT.
Product: Checking or savings account

Went to the ATM drive through on XX/XX/23 XXXX ATM XXXX and withdrew {$300.00}. 
When the atm was loading and getting ready to dispense the money a message came up congratulating us on being with WF for 21 years. I turned to my mother to tell her we have been with Wells for 21 years when i heard the dispensing door open ( or so i thought ). I turned to grab the money but the dispensing door was closed. I looked around and nothing was on the floor and i was so close to the wall that no one could go and grab it, plus there was a car behind me so they would have noticed. I had turned my head for 5 seconds. In all honesty I never saw the dispensing door open or close I just heard a noise like it had open/close but I never actually saw it. I needed the money at that moment so i had to do a second withdraw from a different account and now I keep getting transactions declined because I need to replace the {$300.00} that I never got but was withdrawn from my account. WF has not reached out or provided an update on this case.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Alleged Fake Rental Debt Account Dear Sir/Madam, I am writing to formally dispute the alleged debt referenced above, which is being pursued by Columbia Debt Recovery . I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) in resolving this matter under the guidelines of the Fair Debt Collection Practices Act ( FDCPA ). 

I want to emphatically state that I have never resided at nor applied to the location associated with this alleged debt. Therefore, the debt in question is entirely fabricated and without merit. Despite my repeated attempts to resolve this issue directly with Columbia Debt Recovery, they continue to pursue collection activities based on false claims. 

I request that the Consumer Financial Protection Bureau intervene in this matter and require Columbia Debt Recovery to provide the following documentation to verify the validity of this alleged debt : Any and all records purportedly linking me to the rental property or application associated with this debt. 
Documentation proving that I applied for or resided at the aforementioned location, including any signed contracts or lease agreements. 
Proof of any communication between myself and Columbia Debt Recovery regarding this debt. 
Any other evidence supporting the legitimacy of this debt. 
Given the fraudulent nature of this claim and the ongoing harassment by Columbia Debt Recovery, I urgently seek your assistance in resolving this matter. I request that all collection activities cease immediately, and any negative remarks made on my credit report related to this false debt be retracted promptly. 

I appreciate your attention to this urgent matter and trust that the Consumer Financial Protection Bureau will take appropriate action to protect consumers from unjust debt collection practices. 

Thank you for your prompt assistance.
Product: Debt collection

Im writing in regards to a loan that is attached to my consumer reports named XXXX XXXX  and a Credit card named XXXX XXXX. I have no knowledge of the accounts written along with multiple enquirers on my report. My identity was stolen in the XXXX hack and my document will be attached to this complaint, Thanks
Product: Credit reporting or other personal consumer reports

I think that under FCRA 605B, we must delete any incorrect accounts from my credit report. Could you look into the documents? The listed accounts show inaccuracies in reporting details, amounts, and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a inquiry from XXXX XXXX on XX/XX/2023 on my experian credit report, that I did not apply for. I did not apply for any credit card at all recently.
Product: Checking or savings account

On XX/XX/2019 I was scammed by someone who claimed to work for XXXX and this man who supposedly worked at XXXX informed me that my XXXX account and my computer had been hacked. He asked me to pull up the command prompt and told me to look at the foreign addresses which I did and their was 7 different foreign addresses so he told me that meant I had 7 hackers so he had me purchase these gift cards because he told me it would get rid of the hackers and trick them and protect my identity and this was all a free charge from XXXX and that any money used to purchase the gift cards would be refunded to my bank account within 5 minutes. I gave my mother my bank card and she went into XXXX to get these cards so that I could stay in the car with my XXXX year old son so {$4000.00} of my money was scammed away in a matter of minutes. I called my bank right away to file a dispute because I quickly realized the guy claiming to work for XXXX was the actual hacker. The phone number of the guy who supposedly worked for XXXX support is ( XXXX ) XXXX and referred to his name as XXXX XXXX and either states he works for XXXX support but I also found out he claims to work for XXXX support as well. I filed a police report with XXXX XXXX and report number XXXX. I also closed my old bank account and opened a new one just as my bank Huntington Bank advised me to do. I also called XXXX and informed them of everything and gave them all of the gift cards purchased with all of the information on them that was given to the scammer. XXXX gave me a case number which is XXXX. I did everything Huntington advised me to do and asked me to do. I gave them all of the information I could and filed a dispute minutes after I realized what happened. I have banked with Huntington for 10 years so they should know that was completely out if character for me and the bank was not there to protect me at all. They never called me while this was going on or even attempted to stop the transactions like I've learned that other banks do. The bank sent a letter with their decision a week after the incident happened and that's with the holidays in the mix. I don't feel like they did a thorough investigation nor do I feel like they had or have my back in all of this. I also told Huntington that XXXX was aware that someone hacked into my XXXX account and that they froze my account for awhile. I have emails from XXXX that prove this and Huntington never even asked to see those or tried to work with me amd gain further documentation or information. I was scammed out of XXXX XXXX dollars and I shouldn't just have to eat it. Huntington should have my back. All Huntington would have to do is call this guy and play into his scam and see  exactly how I was scammed and that it was indeed a scam. I will be choosing another bank to bank with because if I am entrusting a bank with my money then I would them to have my back and Huntington certainly does not have my back. The transactions I disputed was for {$600.00}, {$500.00}, {$500.00}, {$500.00}, {$500.00}, {$1000.00}, and {$400.00} again I disputed this within minutes of this all happening.