23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

to inform you that you have unlawfully reported an allegedly report. Under the New Rule REGULATION F which took XXXX 2021, You ( Columbia debt recovery ) You have violated id its new rule by parking this alleged debt on my consume Desist the reporting of this alleged Debt immediately or I v to taking legal action. I have not given you written permissi XXXX my credit profile 15 USC 1681b2. You have no permissibl tact third parties with my private or personal information. Yo Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. Yo /transferred, possessed, or used, without lawful authority, a n tion of me, which is a felony punishable with up to 2 years of ment, in addition to civil liability. I AM A LITIGIOUS CONSUME SITATE TO TAKE LEGAL ACTION AGAINST { Columbia debt recovery 92c ( c ) Ceasing communication If a consumer notifies a debt co that the consumer refuses to pay a debt or that the consumer wi llector to cease further communication with the consumer, the d or shall not communicate further with the consumer with respect refuse to pay this alleged debt. Cease and Desist all collections a XXXX this alleged debt and PROMPTLY Delete it from all consumer les that you have reported this inaccurate, incomplete, erroneous ding information to at once. The reporting of such inaccurate Information severe damage to my character, my reputation, my general n and my ability to obtain credit for personal and house purposes.
Product: Credit card

After my first transaction with my Chase credit card ( {$290.00} ) approved, every online attempted purchase after this transaction became falsely flagged for fraudulent activity. It would only let me use it occasionally. Which is why transactions made from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX were approved. I called Chase to verify that its not fraud and everything went okay until they asked me random security questions that were not relative to me and my life, but my account and card still got closed for suspicion of fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following address XXXX XXXX XXXX, Texas XXXX with XXXX for I have NEVER resided there. My driver 's license has never had this address. XXXX keeps allowing several creditors to report this inaccurate data on my report. I 'm not sure how they have linked this address with my name. You can contact the Texas Department of Public Safety to confirm this as well.
Product: Debt collection

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  Subject : Dispute of Inaccurate Item on Credit Report Dear XXXX, I am writing to formally file a complaint regarding an inaccurate item ( s ) on my credit report that continues to negatively impact my credit score. Despite my efforts to resolve this matter directly with the reporting agency, it remains unresolved. 

The inaccurate item in question is [ XXXX XXXX XXXX account number XXXX in the amount of {$380.00}, capital one bank account number XXXX in the amount of {$2500.00}, XXXXXXXX XXXX  account number XXXX it was paid off in 2019, credit one bank account number XXXX Ive never owned this account, stride bank account number XXXX account is current and is showing negative, amongst others ]. This information is incorrect and does not accurately reflect my true credit history. 

I request an immediate investigation into this matter and the removal of these item from my credit report. I believe that correcting this error is essential for maintaining the accuracy of my credit profile. 

Please confirm the receipt of this letter and inform me of the steps you will take to resolve this issue. I appreciate your prompt attention to this matter and look forward to your response. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

My Citi Diamond Preferred Card offered a feature called Flex Pay, where purchases over {$100.00} are split up into monthly payments with a choice of terms and a lower fixed APR of 13.99 %. A maximum of 7 Flex Pay plans are allowed at one time on an account. I had 11 purchases that qualified. All the offers said " Offer good through XX/XX/2020. '' When I went online to sign up for them on XX/XX/20, my purchases were no longer listed as eligible. Their chat feature online was not working so I called Citi Cards at various times that same day, but their phone lines were always busy. On XX/XX/20 I tried phoning again and reached a representative who said I no longer had eligible purchases for the Flex Pay plan because the billing cycle had ended the previous day. I asked to speak to a supervisor ; he told me the same thing. He said that he was sorry, that the statement about the offer being good through XX/XX/XXXX was misleading and he would file my complaint, but there was nothing he could do to get the lower interest rate for me on my purchases already made.
Product: Credit reporting or other personal consumer reports

I have notified Transunion, XXXX, and XXXX about a case of identity theft. There is an account and collection account that is in my name that is not mine. I have filed a identity theft report with the FTC and sent it to all three bureaus, but they refuse to remove this fraudulent information.
Product: Debt collection

Van Ru sent a letter regarding a debt collection attempt for XXXX XXXX indicating that I owe a debt that is not mine. I sent a letter dated XX/XX/18 advising that the debt was not mine and that I am a victim of identity theft I have made attempts to get this situation resolved due to the fact that i have no knowledge of the debt owed. I have requested verification and validation of the debt owed including a signature validating that i authorized this account. I have attached a copy of my ID Theft report and letter that was sent to Van Ru.
Product: Vehicle loan or lease

I bought a new XXXX  XXXX XXXX XXXX - VIN # XXXX in XXXX of XXXX  and the lender XXXX referred me to finance the car was BMO Harris Bank. I wasn't happy with the interest rate, so I refinanced the loan with XXXX XXXX XXXX. 

XXXX sent a check to payoff the loan on XX/XX/XXXX  and the loan was paid in full. Since then, BMO Harris Bank has refused to send me the original title and also have refused to send me the original lien release. 

XXXX XXXX XXXX is now asking me why their name is not listed on the vehicle registration. I have tried on multiple occasions to call BMO Harris Bank and they have refused to help me with my requests. 

I also talked with XXXX XXXX XXXX and they said that it is my responsibility to get this corrected but I have no control over BMO Harris or their business practices. 

XXXX XXXX  has threatened to raise my interest rates and/or take further legal action against me if they do not have their name listed as an additional interest as a lienholder on the vehicles registration. 

I can really use some help in obtaining assistance in order to obtain original copies of my title and an original lien release from BMO Harris Bank.
Product: Debt collection

Ive recieved multiple letters & phone calls threatening to sue me for old debt, and or to damage my credit my information and debt was sold to another collection agency without me knowing, now the new collection agency is listed on my credit report and I never heard of them before.
Product: Credit reporting, credit repair services, or other personal consumer reports

received an email alert from XXXX credit that said my email and social had been detected on the dark web. Later that day I changed most of my passwords due to this being the 2nd time this year this happened. I noticed in my spam there were several emails from loan and credit card companies. One was for XXXX with an approval for XXXX credit card. I emailed the company that night and said I did not authorize nor apply for credit or a loan. A month later I got a reply to call however I was at work. When I did follow up it took 3 ppl to tell me the card was active and being used online with purchases in multiple states. The follow week I got a bill in the mail for over $ 1k.
Product: Mortgage

1- Because of the COVID-19, federal government allowed bank to not to collect mortgage payments for 6 month.

2- When that time ended, WELLS FARGO put us, the owner of the house ( XXXX XXXX XXXX XXXX XXXX  PA XXXX ) in a corner : Either pay the 6 months ( {$17000.00} ) back at once, or the bank will take the house back. Since the 6 months ended, we resumed monthly payments, never missed one. 3- We
asked WLLS FARGO to just increase the monthly payments until we catch up with the balance. Bank insisted on taking the house back. Bank is doing now the paperwork to take the house back.
Product: Credit card or prepaid card

I had activated a card on XX/XX/2019. My wallet was stolen, and took some time for me to get it back ( after filing a police report. 
Once I got the card, I noticed it expired XX/XX/2019. That is 6 months after being given the card. It has a {$210.00} balance. I tried using the card XX/XX/2019. 1 day after expiration. I looked at CFPB and it stipulates these cards must be good for 5 years. This is 5 months time passing between receiving card, and so called expiration. I called the company and asked for a settlement, or a replacement card. They said no. They have literally taken {$210.00} from me, 5 months after it was issued, a new dad who can not afford to have {$210.00} just stolen away!
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX INC. 'S CREDIT CONSUMER REPORT SERVICE IS IN VIOLATION OF THE ( FCRA ) RULE OF LAW ENFORCED BY THE DOJ DEPARTMENT. 
EQUIFAX INC. IS CURRENTLY LISTING AND PROVIDING FRAUDULENT UNAUTHORIZED INQUIRY INFORMATION TO THE PUBLIC. 
I DID NOT REQUEST THAT THESE COMPANIES PULL HARD INQUIRIES FOR ANY TYPE OF SERVICES, # XXXX XXXX ON OR ABOUT XXXX XXXX. XXXX 
# XXXX XXXX XXXX XXXX XXXX ON OR ABOUT XXXX XXXX. 
THE SAID ABOVE INQUIRIES THAT EQUIFAX INC. IS REPORTING IS IN FACT FRAUDULENT, AND SHOULD NOT BE REPORTED TO ANYONE ' DUE TO ID THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my report as soon as possible XXXX XXXX XXXX {$25000.00} XXXX XXXX {$660.00} XXXX XXXX XXXX {$660.00} US DEP ED XXXX {$1600.00} XXXX XXXX {$1000.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Dear EXPERIAN, EQUIFAX AND TRANSUNION : I am writing to request that ALL THESE DEBTS BE REMOVED FROM MY CREDIT REPORT, ALL THESE DEBTS BELONG TO A DECEASED PERSON XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NYXXXX XX/XX/XXXX PASSED AWAY XX/XX/XXXX. 
XXXX XXXX THIS IS NOT MY ACCOUNT THESE ACCOUNT BELONG UNDER MY SOCIAL SECURITY NUMBER. 

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  This information is falsely added to my credit report without my knowledge and signature. The mentioned details are incorrect, and I request that you revise the report after due diligence. 
I have requested that you clear my credit report as soon as possible to help me continue my good credit. Requesting signatures not a bill but signatures showing I applied for credit. 
Enclosed is a credit report and ftc report. 


15 U.S.C. 1679c : Gives consumers the right to dispute inaccurate information in their credit reports Thank you very much XXXX XXXX
Product: Vehicle loan or lease

I bought a new XXXX XXXX XXXX  XXXX XXXX from Toyota of XXXX, Texas dealership on XX/XX/XXXX. I had a good credit score of XXXX. 
I had a very unpleasant customer experience for the rate which was offered to me of 3.99 % which is way too high. I had put down cash for {$10000.00}. I also have a loan with Toyota Financial Services with 0.00 % APR and almost be paid up by XX/XX/XXXX. 

The disclosed rate for XXXX brand interest rate is 1.99 % and it does not specify clearly which one. The XXXX XXXX  is a very new addition to the XXXX XXXX  and thus opened the possibility of extortion. 

At this time my rights have been violated and am feeling being deceived and to avoid embarrassment I had to forcefully accept against my XXXX since there was no other option at the table. I was told If I back out I would lose my deposit of {$1000.00} which I had paid last week on XX/XX/XXXX. I had made it clear at that time I would be financing. 

I was not informed of my rate earlier, which would have been applied which would have enabled me to make an informed decision and thereby it is a violation of the Federal Act of " The Truth in Lending Act '' which helps protect consumers from unfair credit practices. All the above took place at the time during the last stages of signing and when the vehicle was to be taken out. Had I got to know earlier I could have tried getting a loan from outside and especially thru my employer which was offering at a far lower rate plus my employee discount rate. I was looking forward to the interest rate to be offered by Toyota which at times are far lower. 

I reached out at my grievances on XX/XX/XXXX to the Finance Director of XXXX XXXX and also XXXX -Relationship Manager. I had also lodged a complaint with Toyota Financial services and their customer service reached out - XXXX Case # XXXX dated XX/XX/XXXX and till date there has been no resolution. 
After reaching out Toyota Financial they said it was soley at the discretion of the dealership and rates are fixed at their end. Reaching out to the Toyota of XXXX dealership they are unable to assist and not able to arrive at a decision where they entirely violated the truth in lending and victimize their unknown customer intentionally.
Product: Credit card or prepaid card

A few months ago Synchrony Bank lowered my credit limit on my credit card with a high balance. The card was not maxed out, but it was within {$1000.00} of the limit. There decrease brought it down within {$200.00} of the limit, hurting my overall credit score. Now I go online to pay my bill and for an untold amount of time Synchrony Bank has been charging me for a Card Security Fee which I have come to find out is a benefit program? One that I never signed up for or agreed to. As a result I get charged not only my monthly interest but also this monthly fee resulting in my Credit Card now being over it 's limit. I have not used this credit card for purchases in over a year and now every month my debt on the card goes up and up because of an interest fee and a security fee I did n't ask for. They are pushing me into a debt ceiling that I can never recover from because of astronomical fees. They are single handedly driving my credit score into the ground and increasing my debt more than I am able to pay it each month. I ca n't ever seem to get a hold of them as their offices always appear to be closed.
Product: Credit card

Capital One has raised interest rate on existing balance of both cards. Even increased the rate within the first year of opening both accounts. My existing interest rate is inconsistent with interest rates based on current offerings of the same card with current credit rating. Capital One is charging rates that would be considered against the CARD act. No advance notice of interest rates increase with each increase. No notice of right to cancel with increase. Evidence will show the interest rates that are in effect as of XXXX are higher than current offerings.This is absolutely discrimination and isn't in compliance with current laws. I have never missed a payment or been late on any payment since account opening. Current law calls for a consideration of reduced interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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, have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish my account information without my written instructions.
Product: Debt collection

After numerous attempts in And complaints through The CFPB and disputes through trans union I finally have been able to Confirm that And then cleared of The debt owed. XXXX XXXX in CT As confirmed my Health insurance was active back when debt occurred And are to be billed for the money, The result of this debt has caused me to have a derogatory report with Transunion As well as XXXX While XXXX has removed the Derogatory mark About XXXX XXXX years ago Transunion still Hold it As true. Attached please find the written letter from XXXX XXXX Admitting to the error end also requesting that Trans Union remove this from my credit report as soon as possible.
Product: Mortgage

Quality Loan Service posted a Notice of Trustee Sale at my door today, they are attempting to do a non judicial foreclosure as a Trustee based on a note I executed with the Lender ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX XXXX XXXX went out of business. I have been asking my loan servicer ( XXXX XXXX ) and Quality Loan to please let me know who is the Beneficiary of my loan. They have refused to provide me that information. I believe that only the the current beneficiary is authorized to instruct the trustee to initiate the nonjudicial foreclosure process. Since the last known beneficiary was XXXX XXXX XXXX XXXX and they went out of business, I would like to know who is the current beneficiary and the proof of their purchase. This is the only reason I was afraid to negotiate a modification with XXXX. I became suspicious after they took money from Nevada 's Hardest Hit Fund on my behalf but refused to bring my loan current after that. I would like to see proof of who owns my loan now and if they are authorized to order Quality Loan Services to foreclose on me.
Product: Debt collection

This Account : 1.NATIONAL CREDIT SYSTEM. This agency is in VIOLATION of 15USC 1692g. You ( NATIONAL CREDIT SYSTEMS ), were to notify me of this in WRITING 5 days prior, I was not. As the original creditor, only I can validate This debt. Therefore, the following Accounts must be deleted from my credit reports. 

FAILURE TO RESPOND SATISFACTORILY WITH DELETION OF THE ABOVE REFERENCED ACCOUNT, will RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST your company, for which I'll be SEEKING {$1000.00} per VIOLATION FOR : 1. DEFAMATION OF CHARACTER 2. NEGLIGENT ENABLEMENT of IDENTITY FRAUD 3. FAIR CREDIT COLLECTIONS PRACTICES ACT 15 USC 1692g VIOLATIONS 4. FAIR CREDIT REPORTING 15 USC 1681 VIOLATIONS FOR WILLFUL NONCOPLIANCE- 616. CIVIL LIABILITY FOR WILLFUL NONCOPLIANCE [ 15 U.S.C 1681n ]
Product: Credit reporting or other personal consumer reports

The consumer reporting agencies XXXX TransUnion and XXXX has not investigated and has not looked at my attachments and see that there are duplicate accounts and there is errors by ignoring the attachments that I sent to them to investigate. XXXXXXXX XXXX XXXX has reported twice on my credit report for the balance of {$670.00} and the amount due balance is {$670.00} on these account # XXXX. I have a XXXX XXXXXXXX XXXX report that states that the last reported update was XX/XX/XXXX for the balance amount of {$570.00} and amount past due of {$150.00}. If this actual document of evidence that I provide today XX/XX/XXXX is not shown as accurate that I know that this is done intentionally and that no one is actually investigating my account. I demand these duplicate accounts showing a balance from {$670.00} be deleted and removed for my credit report.
Product: Debt collection

XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX  FL XXXX TODAYS DATE :XX/XX/XXXXATTENTION DISPUTE DEPARTMENT : XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious XXXX XXXX XXXX  I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX