23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This complaint is for XXXXXXXX XXXX XXXX XXXX from XXXX, Florida. I have received a phone call from this company and the caller refused to validate the debt on the phone and told me to " check my emails for the original contract with XXXX. '' They never provided with the initial opportunity to dispute this debt. They continue to assert the I, the consumer, have a debt owed to them that they refuse to validate which is in direct violation of the FDCPA, per 15 USC 1692g ( 4 ) ( 5 ) : ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( XXXX ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

This company misrepresented themselves and called my mother, without my express consent to do so, and led her to believe they were someone they were not in an effort to obtain information about me. This is a violation of the FDCPA, 15 USC 1692c ( b ) and 1692e ( 10 ) 15 USC 1692c ( b ) ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

15 USC 1692e ( 10 ) ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
Product: Credit reporting or other personal consumer reports

Wrong adressses. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Debt collection

I noticed a collection on my credit report from Wakefield & associates for a debt of {$120.00}, I have never recieved any letters or bills from company they claim to have received debt from, then never received any mail or calls from original claim or Wakefield & associates. 

XXXX removed them, but I forgot about them until today XX/XX/2022 when I received a text from them. 

I spoke with them and they claim they've written to me and called and sent numerous text, but I asked if they have a log or record of this they said " why would we have that ''!. 

I have no record of a single call, letter or text from either them or original biller. 
The date of the service is a correct day I received service, but I have never received any separate bill from private doctor, the medical service I was provided was fully paid.
Product: Payday loan, title loan, or personal loan

XX/XX/2019 XXXX was posted to my bank account. 

I called my personal bank and wanted to get information on what I could do to help myself out, and I was told to call where I got my loan and get to the bottom of it. On calling I was told that even though I took the right steps for the process and tried to revoke my payment with them just because I cant afford to pay them anything until my bank gets back into positive, they denied me any access to support and manager. I would love to pay and never take out a loan again and yet they are making it difficult to even pay them money I cant simply get within thin air. 
I tried to discuss a payment option and plan a week before today and I was told that they do not care about my problems and that I had to pay rent which made me late on a payment. 
I was harassed when I got a call from them while at work it was embarrassing to have a woman yell out my name in such a disrespectful manner demanding i pay regardless of what I can actually conjure up. In my honest opinion being told hey I dont care that you dont have credit history and youre more than likely not going to be accepted at most places I still need my money. Completely understand the principle of it but being logical I came to you guys for help because they were the only ones accepting of my no credit history. I even let them know that I can not simply just get money from another loaner and bad habits like that is what I intended to stop I see the importance of never borrowing money from money fulled lenders who do not care of my living situation yet money.
Product: Credit card

Someone fraudulently opened a XXXXXXXX XXXX XXXX account in my name on XX/XX/2021. {$1100.00} Balance
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 State I Have right to privacy.

15 USC 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Debt collection

Clear Credit Solutions Company left voicemail, claiming a serious claim will be filed against me if I do not respond to their call referencing a Claim number and stating that serious allegations were made against me and will be pursued if I or my representative do not respond to their call.. The company 's representative did not leave his name identifying himself or what potential claim or creditor or debt the represent. This is clearly abusive and bullying in an attempt to collect a debt. The message never stated that they were attempting to collect a debt. It stated that serious allegations have been submitted and a claim will be filed against me. The message has left me shaken and unwell as I am XXXX and have XXXX concerns. This practice is clearly in violation of both State and Federal Fair Debt Collections Act. The message has been archived as evidence that the statement I am making is accurate.
Product: Vehicle loan or lease

Good Morning, I'm writing because I'm having serious problems with XXXX XXXX and their extended warranty department and their finance company XXXX! I just got my car out of the shop on Monday from getting work done on it, through XXXX XXXX XXXX XXXX department! XXXX XXXX paid for the repairs! But I had to have it towed back to the shop called XXXX in XXXX IL because mysteriously my alternator was messed up & it wasn't before I took my car to the shop! So now my car is fixed and now XXXX wants me to pay {$40.00} to get my car, which the shop is charging {$260.00}. The {$40.00} is because I'm late on a payment & I'm late because i had to pay a mechanic {$700.00} to fix my whole front end! This not having a car is messing me up because I'm not able to get to work and I have other bills besides this car! I don't think it's right that I've been going through all this trouble and ditching out all this money for this car, which was messed from the start when I brought it! I had to put in the shop the XXXX XXXX I got it! I can't pay bills if I keep missing work because the manager from XXXX XXXX keeps threatening me to repossess my car or pay money for back payment and I'm not able to get to work! This was a lemon from the get go I'm finding out! I'm getting things fixed on it that XXXX claimed they fixed! XXXX is through XXXX and is giving me a hard time about getting my car! Please help me or give me directions on what to do! I still owe {$9000.00} on it, but I've paid more on repairs than I brought it and have not drove it much because of repairs! XXXX & XXXX are crooks who pry on people with not so good credit! I had trouble with it as soon as I left the lot. I took it back the next day because it was late night when I finally got approved! The car still has {$2000.00} dollars of work to be done on it & I don't have the money! This place needs to be shut down, all of them XXXX XXXX XXXXXXXX for ripping people off! They threatened me with repo & everything for a car that has ton of issues! I can't afford it anymore because now I'm behind on my rent! They have closed most byriders down and they're something else now! It's a lot of people XXXX XXXX XXXX has scammed by selling lemons & messed up cars! Something needs to be done, especially for the elderly they took advantage of! Best Extended number is XXXX and XXXX is whose been helping me & XXXX is from XXXX and that number is XXXX! Thank you.
Product: Debt collection

I presented myself to have a medical procedure performed. The doctor was not able to perform the procedure, inflicted physical pain upon me, continued with attempts despite my hysterics. While physically violating me, the doctor pretended to take radiographs knowing he could n't perform the procedure and consquently that there would be no results from the radiographs. My medical records reflect that the procedure could not be performed. Despite this, the office charged for the procedure. My insurance paid. Subsequently, this was disputed / investigated. Multiple attempts were made to contact the doctors office. Attorney representation was obtained. 

Skipping ahead, after having no contact from the doctor 's office, a collection agency repeatedly began contacting me. They were told via telephone the matter was in dispute and that I had representation. They were sent a letter XXXX XXXX, XXXX notifying them in writing of the dispute and that I was represented by counsel. I had to send XXXX letters, in addition to the verbal notices, before they stopped contacting me. And, in a phone conversation with their representative, XXXX on XXXX XXXX, XXXX after both verbal and written notice of dispute and representation had been made and verbal notification made to him yet again, he indicated that they would continue to contact me anyway. 

Ultimately, they made no attempt to contact my attorney. They are currently reporting a collection on my collection report that is simply not true. It appears to be simply made up as it does not correspond to anything related to the original matter.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit card or prepaid card

I never applied for this account and it has a hard inquiry on my account.
Product: Checking or savings account

I banked with Chime for almost 5 years until they suddenly decided to close my account. I had money still left in it and also an OPEN dispute on my account when it was closed. Everyday I called to get an update on my credit that was sent to my account they always tell me its coming. Then on one particular day when I called they finally told me that Im not entitled to a refund! First off, how am I NOT entitled to a refund when it is my MONEY! To make matters more confusing the claim was also seemed as valid by them and they closed my account. It seems as if they planned to steal my money because they didnt want to either pay me my money or they wanted to pocket it. After I threatened to make a complaint with the CFPB thats when they said they would send the money. I even called the merchant and the merchant has told me numerous of times Chime has NOT sent the money back and that they will need to provide me with a reference number stating when the deposit was rejected and that they have returned it. Chime didnt provide none of the information to me because they are keeping my money. How can a bank steal I was with for 5 years steal from me? They didnt send the money back to the merchant so they can reissue me a refund and they havent sent me my check. After going back and forth for hours Chime agreed to send me my check. Which was on XXXX XXXX and I have no idea if its the {$240.00} that was in my account or the full {$1900.00} that was credited to me. In total chime owes me {$2200.00} Chime is bank full of XXXX! Ive been waiting since XXXX and tomorrow is XXXX! If I dont get my check totaling {$1900.00} in XXXX weeks plus the {$240.00} I will be getting legal counsel im already in the process of getting my documents together and have found a good lawyer I just know filing a CFPB complaint will show that Chime has full knowledge of what they have done and I will also be suing for court fees. Where is the reference number on the credit being sent back? What day did chime send the money back to the merchant? Chime what did you DO with the money that was credited to my account on XXXX XXXX in the amount of {$1900.00}. Where is it?
Product: Vehicle loan or lease

I contacted the company twice in XXXX concerning my unemployment due to the covid virus and I also contacted again today. They are not helping in any way, said make a payment this month or we repo. I explained I've filed unemployment and it's in the process but it is back logged so I havent received funds yet. CPS continues to state they are sorry but are not offering any help except payment plans which are not any help if you have no income and unemployment will barely cover a monthly payment anyway.
Product: Credit reporting or other personal consumer reports

The account listed below was supposedly verified for ACCURACY on XX/XX/XXXX and XX/XX/XXXX by TransUnion, XXXX and XXXX. XXXX deleted the inaccurate account during the XX/XX/XXXX dispute process. This account was charged off on the following date ( XX/XX/XXXX OF FIRST CHARGE-OFF ). Since then, the account has repeatedly been updated as charged-off every month. This is an inaccurate update in my payment history. This inaccurate information falsely manipulates the statute of limitations. 

TransUnion and XXXX have failed to investigate this account twice. They have totally violated my rights per the ( FCRA ) 15 USC 1681e ( b ) Accuracy of Report This account is being re-aged and reported inaccurately which is destroying my credit opportunities. 

I AM DEMANDING A DELETION OF THE FOLLOWING ACCOUNT : XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, the attached dispute was sent to XXXX. USPS receipts indicate the dispute was delivered on XX/XX/2021. To date, no response has been received from XXXX. Despite this, the public record in question remains on my 3 major credit reports and XXXX report. I have attempted to dispute the record in question with the credit reporting agencies ( Equifax, XXXX, and XXXX ), however they have stated in writing on several occasions that they were able to verify the record despite my XXXX report being frozen at the time. This would also mean XXXX continues to provide my information despite the freeze existing which supposedly legally bars them from doing so.
Product: Credit reporting or other personal consumer reports

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 These inquiries were opened in my name without my consent. These are fraudulent accounts that were not open by me.
Product: Vehicle loan or lease

I got a truck financed through Landmark Financial Services LLC. I've been paying on time and didn't really look into it until now and they are charging me 30 % interest rate. My latest payments only {$60.00} went to principal and the rest has been all interest. I believe this company is using unfair practices to get more money
Product: Student loan

I was trying to receive tax information to file our taxes. When I called Navient, they said I do n't have a loan with them and we 've been paying them for years. I 've been paying them since Navient took over the loans from XXXX. I asked the technician about where my payments had been going he could n't give me an answer and told me to call another number to find out where my private student loan was. The number belonged to XXXX. They pointed me to XXXX who handles federal loans and not private loans. They 're giving me the run around and I still do n't know who I 've been paying and where my loan is right now, as well as my tax information.
Product: Mortgage

The account was open with identity theft info, the person using my info open this account. This is a fraud account, I contact the mortgage company and send them everything they asked me to prove that Im not the same person that open the account. But last time I call they said that they didnt found anything with my name or social but the account still is in my credit. Im m tired and stressed too much doing for not getting anything solved.
Product: Checking or savings account

On XX/XX/XXXX2024 I deposited a check in the amount of {$27000.00}. On XXXX XXXX, 2024 I checked my account and it stated the funds were available. I withdrew the amount of {$2000.00} on XXXX XXXX, 2024. On XX/XX/XXXX2024 I checked my account and noticed the bank had frozen the cashier 's check for {$27000.00} after the funds were already released. This caused several of my payments to creditors to be reversed which caused a lapse in my payments and possible legal action against me from my XXXX. 

I called the bank and spoke. The check was a cashier 's check from XXXX XXXX XXXX XXXX. 

I needed the money to pay bills and go on vacation. The bank told me my funds would be available on the XXXX of the month. 

I do not have a debit card with my savings account and needed to transfer money to other banks that I did have debit cards for to access my funds while I was on vacation. my XXXX bank account to capital one. The bank account was verified with XXXX deposits from capital one. I then did a transfer for {$800.00} and capital instead sent a deposit of XXXX cent instead of the transfer of {$800.00}. I also tried to do several XXXX payments to family and the account said that it was blocked because of unusual activity. I called capital and they stated over the phone that the account was flagged for fraud. They asked me to verify my account by uploading my ID though a link and I did however capital one continue to block all my transfers with banks and with XXXX and with a wire transfer to my daughters ban. Someone by the name of XXXX stated that she was calling me about the wire transfer and was asking me all types of question about who was sending the money to and who this person was which was intrusive and unnecessary. I asked to a supervisor and she stated the transaction would be on hold until I spoke with XXXX. 

I am asking that you investigate this matter because I have an ex- works for the XXXX XXXX has been causing trouble in my life and believe this person is calling the bank making fake fraud claims. 

The person by the name of XXXX in the email is the person who is taking it upon herself to block my account. 


XXXX XXXX Account ending in XXXX Brith date : XX/XX/XXXX1975 Address : XXXX XXXX XXXX XXXX XXXX, MD XXXX Phone number : XXXX
Product: Checking or savings account

On XX/XX/year> my business checking account was hit with five unauthorized charges. 

XXXX XXXX XXXX XXXX XXXX For a total of XXXX. 

The XXXX XXXX charges were from Halstead Financial services llc. 

The XXXX charge and the XXXX was from XXXX XXXX And the XXXX charge was from XXXX. 


All five of these charges were pulled directly from my business checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan with a bank " XXXX XXXX '' and was given poor credit score, which XXXX XXXX said they got from Equifax after I had them go back 2x to review their files. When I inquired with Equifax on XX/XX/18, I was not given information I requested. I was told they can not give me my credit score. I went through 30 tortuous minutes of identification and they had my wrong address even though I've been living in the same house for 15 years and dozens of credit accounts. After I spent half the time identifying myself and the other half trying to resolve, I was told that they had looked at my file and COULD NOT identify anything derogatory in it. This stemmed from all my credit score monitoring saying me I had a scores north of 780 and Equifax reporting that it was XXXX. I requested to speak with a supervisor since they would not give me my score or resolve the discrepancy. As of the submission of this complaint, I have been on hold for 1.5 hours and counting ... ... This system is wrong, broken, and another symbol of big Corps controlling the process and the rules to the detriment of the citizen ... .Please have someone respond to me to tell me what can be done about this extremely poor service and I can not resolve why Equifax gave the wrong creditscore to a lender and I can do nothing about it!!! thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received pre-qual for mortgage loan. Mortgage lender used XXXX & Experian for credit. The next day I received XXXX XXXX unsolicited phone calls from other lenders wanting to know what sort of loan i was looking for.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX  XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year>2023 It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 

Thank you for your prompt attention to this matter.