23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Im really worried that COLLECTION BUREAU OF AMERICA is reporting inaccurate information on my credit report. Pursuant to the Fair Debt Collection Practices Act 15 USC 1692, I XXXX XXXX XXXX have the right to privacy. COLLECTION BUREAU OF AMERICA has committed infringement upon my consumers right to privacy. 

I, XXXX XXXX XXXX never granted consent to COLLECTION BUREAU OF AMERICA to contact me. COLLECTION BUREAU OF AMERICA has/ or purchased my private information without my consent. I never contracted with COLLECTION BUREAU OF AMERICA. 
COLLECTION BUREAU OF AMERICA is violating my rights. I understand that you must have procedures in place to respond to questions about credit reporting. 

Pursuant to the Fair Debt Collections Privacy Act ( 15 USC 1692 ( g ) and REGULATION F ( 12 CFR 1006.34 ( a ) ( b ) ( c ). I am invoking my right and demand COLLECTION BUREAU OF AMERICA to VALIDATE this alleged debt. 

PLEASE BE ADVISED THAT I AM REQUESTING VALIDATION, NOT VERIFICATION OF ALLEGED DEBT. 

If your office fails to respond to this validation request within 30 days, all references from this account must be deleted and completely removed from your credit file, and all consumer reports. 

At this time I also asked for COLLECTION BUREAU OF AMERICA to Cease and desist any and all communication with me pursuant to 15 USC 1692 ( c ) ( c ).
Product: Debt collection

I am writing to address Santander Consumer USA Inc. 's continued unlawful debt collection practices. Your company persists in reporting incorrect information on credit reports, employing aggressive tactics, and violating consumer rights. 

Predatory Lending and Bad Credit Reporting Practices : Santander has been found guilty of predatory lending practices, exposing subprime consumers to unnecessarily high levels of risk. 

Your company knowingly placed consumers into auto loans with a high probability of default, disregarding their ability to repay. 

Additionally, Santanders credit reporting practices have harmed my financial well-being.

Aggressive Debt Collection Tactics : Despite a cease and desist letter previously sent and acknowledged by your organization, Santander continues to employ forceful and illegal tactics to collect debts. 

These tactics include harassment, intimidation, and disregard for the health and safety of consumers. 

XXXX XXXX XXXX XXXX XXXX I personally experienced an incident where Chrysler Capital/ Santander representatives held me against my will during an attempt to repossess my vehicle. 

Their actions resulted in XXXX XXXX XXXX XXXX XXXX which is unacceptable and in violation of my rights. 

Evidence of Misconduct : I have attached video screenshots that clearly demonstrate the use of force and complete disregard for my well-being during debt collection. 

These actions were taken despite clear instructions to release the debt. 


Settlement Acknowledgment : - I am aware of the {$550.00} XXXX settlement reached in XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attorneys General colleagues, and Santander Consumer USA Inc. - The settlement addresses allegations related to deceptive lending practices, unfair loan terms, and aggressive debt collection tactics. - It requires Santander to provide relief to consumers through restitution payments and debt cancellation. - Pennsylvania consumers are eligible for at least {$14.00} XXXX in relief, including {$2.00} XXXX in restitution and at least {$12.00} XXXX in debt cancellation.
Product: Credit card

On XX/XX/XXXX I applied for a credit card at Wells Fargo that was approved and through the process I was asked if I wanted to do a balance transfer and I did, they asked for the account number of the account that I wanted to do the balance transfer from after that the information was submitted and I waited 17 days called multiple time getting different information every time I called after that a balance was placed in my account from an unknown account from macys that is not related to me I started a complaint of fraud where Wells Fargo processes a refund and opened an investigation according to the fraud department they were able to match my information to the account with macys and that the case was closed I proceeded to call multiple times to verify what information was obtained throughout this investigation but they said that they didnt have an account or any information they can share with me at all they continue to say they are unable to see who they paid all they know is that the information is correct I was never given any information from Wells Fargo about who will have access to my information and why is it so easy for someone to add funds to someones account with out so much as confirming basic information, Wells Fargo does not provide any valid information regarding this at all.
Product: Debt or credit management

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit report effective immediately. I am attaching proof that Equifax has admitted that I was in a victim of the data breach it and Equifax had done nothing please help me delete these illegal accounts from my credit report. I have a letter stating that I have been affected in the Equifax data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under complaint XXXX the company stated they would provide the necessary information to credit bureaus to update the account correctly yet it has been more than 30 days and this account is still showing up as open with a balance owed and it should not due to this debt being XXXX through bankruptcy.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX My Identity was stolen and accounts where open in my name, I have tried several times to have this company look into it. But they fail to do so and say debt is validated. But its not mines. theres a whole different email address attached to that account because I did my own research 's
Product: Debt collection

I get several calls a week just threatening different lega actions, but never information about the debt itself. I told them that first of all tell me who I supposed owe and they never do. I also told them that if I did owe anyone they have been notified of my XXXX XXXX  and therefore they must stop calling me immediately. Yet, they continue several times a day. I can't afford an attorney to got after them for damages of violating Federal bankruptcy stay orders. They call from different numbers everytime. Here are a few of them. 

XXXX XXXX XXXX
Product: Checking or savings account

Claim Number : XXXX Dear Wells Fargo Customer Service, I hope this letter finds you well. I am writing to express my deep concern and disagreement with the recent denial of my dispute regarding unauthorized transactions on my Wells Fargo account. 
I reported to your customer service that my wallet, containing not only my identity but also crucial account information, had been lost. Subsequently, the person or people who gained possession of my wallet managed to drain all the funds from my accounts by transferring them to another country. To my shock, they even visited one of your Wells Fargo branches to withdraw cash, an action that was promptly refunded by the bank. 
As a XXXXXXXX, my financial situation is consistently tight, prompting me to diligently monitor my accounts. Upon discovering these unrecognized and unauthorized transactions, I immediately reported them to Wells Fargo in an effort to stop any pending transactions and secure my account. 
I am disheartened by the denial of my dispute, as I believe the bank has a responsibility to protect its customers from such fraudulent activities. The unauthorized use of my funds has significantly impacted my financial stability, and I had hoped that Wells Fargo would take the necessary steps to rectify the situation. 
There may be a history of transactions with the mentioned merchant, the specific charge in question must be concerns about unauthorized access and potential compromise of my debit card information. It's important to stress that even with a history of transactions, this particular instance is being contested based on the circumstances surrounding the unauthorized activity and my genuine belief that it poses a security risk to my account. I would reiterate my willingness to cooperate fully in the investigation and provide any necessary information to support my dispute. 
I kindly request a thorough reconsideration of my dispute, taking into account the circumstances surrounding the loss of my wallet, the unauthorized transactions, and the subsequent financial strain I am facing as a result. 
Your prompt attention to this matter is crucial, and I trust that Wells Fargo will uphold its commitment to ensuring the financial security of its customers. 
Thank you for your understanding and cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I tried obtain a free annual credit report from TransUnion using the website XXXX XXXX XXXX XXXX. My attempts were blocked without explaination. 
I immediately filed an complaint with CFPB against TransUnion for not allowing the consumer to obtain theri reports online. To date CFPB and TransUnion has refused to address or acknowledge this complaint.

I had to submit an written request to TransUnion to get a hold of my credit report. Once I received the report I immediately disputed several inaccuracies. TransUnion reffused to correct or acknowledge all of the disputed information and then refused to sent an updated copy of the consumer credit report showing correction. 

I received TranUnion report # XXXX dated XX/XX/18. TransUnion has refused to investigate and fix the following complaints : Although XXXX is reporting my credit limit to TransUnion. TransUnion has removed the credit limit on my XXXX account with full knowledge without showing this information it affect my debt to credit ratio and intentionally lowers the consumer credit score. 

I again reached out to XXXX and verfied reporting of my credit limit. In addition all other reporting agencies are showing the XXXX credit limit. Therefore, I would like to file a formal complaint against both XXXX and TransUnion for targeting minorites and intentionally lowering their credit scores by refusing to show the availble credit limits intentionally lowering the consmer credit scores.
Product: Debt collection

HI XXXX! I have XXXX bill colelction for {$810.00}???? I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and Professional Liability Fund for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just viewed my credit score on XXXX XXXX and noticed that my credit score that is pulled from XXXX has decreased by XXXX points again. The only change I see they keep changing my address. Each month I receive notice that my address has changed and a new address is listed. I tried to contact XXXX in regards to this and was unable to get through to them. My address is XXXX XXXX XXXX NOT XXXX XXXX XXXX. I am also complaining that they are still reporting XXXX XXXX XXXX XXXX XXXX as a negative account on my credit report. I have been disputing this account for over 8 months now. It was finally removed from XXXX but still appears on XXXX and experian. This information does not belong on my credit report. It has been verified to remove and or block from others seeing but they still are not blocking it and or deleting it. This wrong information is affecting my credit score in a negative way.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX I'm just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. I'm pretty angry right now to be honest, but I know that mistakes happen. I trust you'll fix the situation. Here 's the wrong info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I keep immaculate records of payment history across all my bills and accounts, and there should be no late payments showing here. 

Inaccurate late payments like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported. 

I take this very seriously and I would appreciate it if you remove the late payment marks off this account as soon as possible. 

Thank you
Product: Credit card or prepaid card

My credit card was compromised on XX/XX/2019 when I was travelling to XXXX. 
On that day, there were three fraudulent charges on my card. First, from XXXX XXXX XXXX XXXX XXXX XXXX XXXX with the amount of {$920.00}, yet this charge didn't get through as I received the alert email from the bank. Second, I got two charges from XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX with the amounts of {$860.00} and {$43.00}. I call HSBC to reserve these two unauthorized charges but my claim was denied.
Product: Credit reporting or other personal consumer reports

My credit report is reporting several wrong personal identifiers in my file, which may jeopardize my identity if its not changed immediately! I want this resolved as soon as possible so please remove all inaccuracies from your records before any bad consequences happen because these things are really harming my life. My only name is XXXX XXXX XXXX, I do not have another name or alias. I insist that you remove all names from your system that do not match XXXX XXXX XXXX. 

Also, my current address is XXXX XXXX  XXXX, XXXX, MA XXXX! I am requesting that the information in my file be updated to reflect only my current correct address. Any address that you have on file for me that deviates from XXXX XXXX XXXX, XXXX, MA XXXX is not accurate and should be removed immediately. 

I also ask that you remove any employers and phone numbers associated with my credit report. I do not AUTHORIZE you to retain or report any information, which consists of unverified claims about myself being potentially outdated or inaccurate.
Product: Credit card

I noticed discrepancies in the reported late payment remarks. It appears that there are inaccuracies in the reporting of late payments on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported wrong information that is not associated with me. The company also reported a charge-off multiple times and the account being closed multiple times. A charge-off is not considered a payment history according to Experian. A charge-off is when an unpaid balance becomes a loss. Therefore ( CO ) should only be reported in the month and year that it became a charge-off. There should also be nothing to report on a closed account. An account can only be charged off once. Also, XXXX XXXX reported an address that I have never lived at. The address is XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, TN XXXX. I have never lived at this address before. Lastly, XXXX XXXX reported my account as sold to another lender. The party they sold it to is XXXX XXXX XXXX. However, XXXX XXXX XXXX is a debt collection agency and not a lender. XXXX XXXX has reported false information.
Product: Checking or savings account

On Wednesday XX/XX/XXXX I went to a XXXX store to withdraw money from a XXXX ATM. My first transaction was for XXXX dollars. The Atm showed processing on the screen & was buffering for a min or two. Then it showed canceled transaction on the screen & went back to the main menu. I thought it was due to the amount I tried to withdraw so I tried it again for XXXX and got the same message on the screen. I told the guy that worked in there that the Atm wasnt working & apparently he knew because someone else just experienced the same thing before me. I then went down the street to an ATM in XXXX. This ATM was working! I did 3 transactions for XXXX dollars & then tried to do another transaction for XXXX & XXXX both were declined, which shouldve been because I had the available funding in my account. I called Chime & asked why was my transaction Declined & the agent said because of a XXXX dollar transaction at XXXX. I explained I Never received Any money & something was wrong with that ATM. I told the agent I tried to do 2 transactions at XXXX and the amounts. She said she seen the XXXX dollar transaction was returned but not the XXXX dollar one so I did a dispute immediately with her. I called XXXX & spoke with a manager who explained they have nothing to do with the atm & he gave me a number to call that didnt work. I then contacted XXXX customer service to get help & they said my bank chime had to dispute the transaction. I called chime back & told them what XXXX customer service said. No one could give me a number to the merchant that was in charge of the atm. I spoke with a supervisor at chime who said I qualified for a provisional credit. The next day I got a message from chime stating my dispute was denied! I immediately called chime back & spoke to another supervisor. He said I can reopen the case & it could take up to XX/XX/XXXX days for processing & if I qualify for a provisional credit ( which the last supervisor confirmed I did ) but he said something different. I explained I need my money! Chime did not provide me with any documents explaining how they concluded their investigation! How did you complete an investigation? Atm machines have cameras & most stores do to. If you check those cameras you would see I Never received Any money from the XXXX ATM machine ( XXXX ). Today I received another email from Chime stating my dispute was denied again! This is unacceptable! Its been almost 2 weeks & I still havent gotten my XXXX dollars back! No proof or anything! Theres no proof because I Never received any money or receipt. The message was displayed on the screen!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I XXXX XXXX called XXXX XXXX. to request a 3 month deferment due to COVID - 19 On XX/XX/2020 I checked my Fico Report and discovered that upgrade had reported me XXXX  days late for the month of XXXX and XXXX. I have documentation to support my claim. I never missed a payment and the account is set up for auto draft. 

Thank you .... 
XXXX XXXX
Product: Credit card or prepaid card

Last XXXX, I took a trip to XXXX and XXXX XXXX XXXX XXXX XXXX luggage. I attempted to use the benefits provided to me with the Chase card I booked my ticket with to hopefully intervene on my behalf or to be reimbursed for my luggage. I filed a claim with them online but never received a response. Their customer service was extremely unhelpful or non-responsive. I haven't yet received closure with Chase and they never followed up with my claim. I was just made aware that I can file a complaint with CFPB. 

Thank you.
Product: Credit card or prepaid card

I have a XXXX  XXXX and I can't not pay high interest on a credit card I have tried more then once to settle this issue with Discover and they refuse to remove all charges on the account my credit card was stolen and I do not owe over {$2000.00} and discover has done nothing to help me. Discover is discriminating against me and taking advantage of someone who only gets XXXX and can't afford to pay for someone else 's charges to my account. I'm not paying discover any more money because I don't owe any more money..Discover employees are rude and have hung up on me more then once. I'm gon na report them and file a lawsuit for discrimination if they don't remove these fraud charges immediately I'm not.playing their XXXX games anymore stop discriminating against me. Period or deal with legal charges.
Product: Credit card or prepaid card

on XX/XX/17 i started this card with best buy to buy Appliances the cashier recommended it as i wanted stainless appliances but didn't have all the money for that as stainless was XXXX more so i tried and was approved on the spot for XXXX and the purchase was for XXXX and she talked about signing it up as a Zero APR for 18 months which was just a option on the touch pad during the checkout process and i clicked for that option and hit ok and it wanted me to confirm my address and info after confirming that was it paid and done, problem with this is 18 months later i was unable to pay the bill in full and so they back charged me for the APR from date of purchase which was 26.49 % precent and a total of {$2400.00}, Now had the employee that processed my order gave me a warning or info that FYI if not paid in full by the XX/XX/XXXX month you will be back charged i would have never done the program and just stuck with the other appliances i could have paid in full that day, so after contacting best buy partner Citi bank which is who handles cards for best buy they wouldn't help me with the charge and was not understanding at all they thought it wasn't fair how i was handled by best buy and recommend i report this which i was amazed that the credit card company would tell me to do this report and i was also signed up for paperless billing so had never caught this on my statement as well.
Product: Credit card or prepaid card

Got a late fee after paying for an expedited payment which came out the same day but they didnt credit it till the next day and even though I was told I wouldn't get a late fee they charged me a late fee anyways on top of the expedited payment fee.