23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Chase Bank closed my credit card account due to multiple reports of fraud, as in someone else using my card information to make purchases. I filed a police report to see who was making these purchases, and they couldnt find anything. Nevertheless, I was okay with them closing my account because Ill apply for a new one. However, before I do that, I want to make sure everything is accounted for, as in getting all the money back from fraudulent purchases I didnt make. They just credited me {$5.00} for three transactions from XXXX  as they said in the recent complaint I filed before this ( however I only see 2 of them credited back to my account ). Where is the third transaction I am to be credited for, as I dont see it on the app. The main concern is the two other transactions I am having issues with. They are from XXXX XXXX/bill for {$100.00} and {$42.00} on XX/XX/2021. I got temporary credits but then they charge me money again for some reason. I have provided them proof - multiple times- but they say to me that I need additional documentation. How XXXX XXXXXXXX do you propose for me to back up with information with accounts I dont have ( in this case, XXXX XXXX. Spoken to XXXX about this, and they also see that no purchases have been made on my account. Also spoke to XXXX, and they tell me that someone is using my first name and email for an account, but thats it. They are unaware of any information pertaining to these two transactions, and the person who uses my name and email didnt make any transactions pertaining to it. I have done three way calls with merchant, myself, and Chase, and the representative from chase each time I call acknowledges that I didnt make the purchases. Each time, however, I am not sure why it is getting denied and not in my favor. I have done everything in my power to prove that I didnt make any of these transactions - everything. Meanwhile, chase gives other information and doesnt back it up with proof, just saying whatever they want. Even if thats the case, they should be able to back up their claims with proof of some sort such as screenshots, audio messages, and such. I am frustrated with Chase bank and their failure to take accountability. Both XXXX  and XXXX unfortunately cant do anything to help me because they do not see any information on their end pertaining either to my XXXXXXXX XXXX  or the XXXX account someone else is using with my name and email respectively. How is this fair that when I opened the account with them, they are the only bank or credit card company who I am having this issue with? Everyone else has pretty much resolved any issues pertaining to fraud I have had, if any.
Product: Debt collection

Amsher Collection agency  is erroneously reporting an account fro  XXXX  that is the result of identity theft. I have repeatedly requested verification, validation and then submitted a copy of my FTC identity theft report and Amsher has not responded or removed this fraudulent account from my credit report.
Product: Debt collection

I spoke with many people at Andreu, Palma, Lavin & Solis, LLC regarding a wage garnishment issue. Once that was taken care of I was informed of another file they have for me. The file is for a judgement from XX/XX/XXXX. In XX/XX/XXXX, my bank account was frozen and I had it unfrozen because I was living alone raising a child. I was very naive at the time under the impression I would be notified at a later date to resolve the issue with the debtor. Well over the years, 17 years to be exact I had forgotten all about it since I was never contacted. Now in XX/XX/XXXX, I am being informed by Andreu, Palma, Lavin & Solis, LLC I owe over {$14000.00} on this judgement from XX/XX/XXXXand the only way I found out was because I was calling about another issue. The I was asked if the my contact number was still the same and I was provided a number that I have not had the use of since the year XX/XX/XXXX. I want proof that there was an attempt to contact me over the past 17 years. I find it unreal that a company has held onto this debt and has charged me interest daily for all this time but couldn't locate me to try to collect the money. Also, I asked to try to resolve this issue and was told the client will only accept a lump sum amount. There has to be a way to have proof that there has been an attempt to locate me and a reason why I can't try to make this right after 17 years. I know I owe the money, but I feel as if they are just trying to break me after all these years of no contact by demanding a lump sum payment to clear it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX XXXX XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX  : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX XXXX XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 


XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

FST PREMIER : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX  XXXX  : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX XXXX  : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX  : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint myself, regardless of the multiple written requests, the fraudulent items listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. The following items are fraud that are needs to be removed : DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX  XXXX Opened XXXX XXXX XXXX XXXX Balance {$370.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$760.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$3700.00} ; XXXX XXXX XXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$1600.00} ; XXXX XXXX  Inquiry : XX/XX/XXXX ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Opened XXXX XXXX XXXX XXXX Balance {$760.00} ; XXXX XXXX XXXX  XXXX Opened XXXX XXXX XXXX XXXX Balance {$370.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$3700.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX XXXX XXXX Balance {$1600.00}.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022 my XXXX  and I applied for a personal loan in the amount of {$20000.00}, in order to consolidate our credit card debts into XXXX monthly payment. Unfortunately we were denied. The VyStar credit union stated our debt to income ratio was to high. The problem we both have with this is the fact we pay our bills on time and never late. We even have a car payment with VyStar credit union, which is on time or payment is made early every month. I'm just wondering if this credit union is suppose to be there to help the people, where is the help? We reached out to them in order to better our lives and situation and was denied the help we truly needed. I do understand the debt to income ratio being high but that's because of the credit cards. We received a phone call on the same day we applied stating we were denied and they also stated we should close our credit cards. I myself know first hand that you should never close out your credit cards. I feel they don't trust there customers at all but they want us to trust them with our money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account 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  has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Vehicle loan or lease

Santander locked me into a predatory lending auto loan. Once I figured it I tried to negotiate a lower rate because I knew I would n't be able to make the payments due to missing work because my wife was Ill. I 've paid a {$510.00} car note for 4 years. I did n't receive any notice and they repo the car.
Product: Mortgage

I received a letter from Quicken Loans dated XXXX/XXXX/15 indicating we were eligible for refinance through HARP. The letter had my loan number provided by XXXX. 
When I called the XXXX number, I spoke with a fast talking representative who told me several lies, including,1. Quicken was the sole provider who was authorized to refinance this particular type of loan. 
2. He would not be able to provide a quote for the refinance without pulling a hard credit pull - doing so he said would be meaningless. 

When I indicated I had gotten a quote from XXXX 2 months ago, he told me that was impossible - that Quicken Loans was the ONLY provider who was able to do this refi, and they were working with XXXX in a new partnership so they were the only provider authorized to do this type of loan. 
When he would n't provide a quote without a hard credit pull, I hung up. I received a call from XXXX, a few minutes later. When I googled the number, it shows to be a Quicken Loans number in XXXX, AZ.
Product: Debt collection

A business called XXXX XXXX XXXX XXXX sent me to a collection Agency named XXXX XXXX XXXX Director XXXX XXXX.They dont pay attention at my letters.The bought items were a fraud a fake.Send them back to company.Look different than the pics.I returned them after 30 Days asking for a refund.Nothing was done! Nothing.Now they are killing my credit reports.We are in Chapter XXXX paying all our bills on time.This is negligency on the collection Agency .This must be fiscalizar and STOP. Is a fraud.Please help me stop their reporting to the credit Agencies.This is wrongdoing.Due to the lack of sales we filed chapter XXXX and we r working 24/7 to get off our debts and start our business.Please stop fraud.Thank you so much.Sincerely, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I reached out to XXXX, XXXX and Equifax and disputed the collections on my credit report. I asked them to remove them and they did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX Balance {$19000.00} TransUnion : XXXX XXXX XXXX Opened XX/XX/2018 Balance {$19000.00} XXXX XXXX XXXX XXXX XXXX Opened XX/XX/2018 Balance {$19000.00}
Product: Consumer Loan

The company gives harassing calls 8-10 times a day. Also calls my work 3 times in one week. I am only 1 week late paying my bill.
Product: Credit reporting or other personal consumer reports

I am writing a letter to file a complaint in accordance with 15 U.S.C. 1692c of the fair debt collection practices act ( FDCPA ), which governs communication between debt collectors and consumers. I believe that my rights have been violated by these creditors and or debt collectors and I'm seeking your assistance in addressing this matter specifically I have been contacted by collector 's, XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX  regarding this alleged debt. however, I am concerned that their communication violates the provisions of 1692c, which regulates when and how debt collectors can contact consumers the collectors contacted me at an inconvenient time, contacted me after being informed not to do so contacted me at work when i previously requested they not do so in accordance to 15 U.S.C 1692c a debt collector is prohibited from contacting a consumer at inconvenient times or places, and under 15 U.S.C 1692c I have informed the debt collectors that i do not wish to be contacted further. Despite this the collectors have continued to make contact, which I believe constitutes a violation of the law. I kindly request that the CFPB, investigate this matter and take appropriate action to ensure that my rights are protected while I sort out these matters concerning this alleged debt, Thank you for your attention to this issue. I look forward to your prompt response
Product: Credit reporting or other personal consumer reports

Consumer personal information was stolen in a data breach of XXXX XXXX consumers personal information. Consumer is requesting that all items identified in FTC Identity Theft Report attached to this complaint are to be deleted immediately from consumers personal credit file report on all XXXX credit bureaus, XXXX, experian, XXXX, pursuant to The Fair Credit Reporting Act section XXXX within XXXX business days. Also 15 USC section 1681b permission must be given from me as a consumer to report my personal credit information in order to be listed on bureaus web site portal.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 Credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXXXXXX Balance Owed : {$600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with the credit bureaus and Convergent alike the inaccurate entry that Convergent is reflecting on my credit report ( see attached documentation ). In my initial review and finding of this reflected entry, I submitted a dispute to XXXX, XXXX  and XXXX. The bureaus responded that this entry was verified. To that end, I submitted my dispute to Convergent. Within my dispute ( see attached ), I specifically requested that they provide an agreement with signature of alleged debtor wherin he/she agreed to pay the creditor, date this alleged debt became payable, original delinquency date, verification that the debt was assigned or sold to collector as well as a complete accounting of alleged debt. Convergent did not oblige. 

Convergent 's letter, ( see attached ), dated XX/XX/18 does not provide any substantial evidence to support the veracity in their reporting. To that end, since Convergent is unable to provide supporting documentation for this inaccurate, unverifiable entry, it must be deleted from my file immediately.
Product: Credit reporting

Experian XXXX, XXXX collection was removed after I sent ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, ACCOUNT NO. ; XXXX {$1900.00} police report & District Court of Maryland for XXXX XXXX XXXX case # : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX MD XXXX SENT NOTARIZED LETTER SIGNED BY XXXX XXXX XXXX ( XXXX ) XXXX RESIDED AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX. 
COMMITTED FRAUD USED MY INFORMATION AND OBTAINED XXXX PHONES FROM XXXX WHICH CREATED THIS COLLECTION ON MY CREDIT REPORTS. IT WAS REMOVED AND NOW IS BACK ON. THIS IS VERY UPSETTING SINCE I AM IN A HOME BUYERS PROGRAM " XXXX ''. THIS RE POSTING OF THE FRAUDULENT COLLECTION IS PREVENTING ME FROM GETTING A HOUSE FOR MY GRANDDAUGHTERS AND I, A DREAM I HAVE HAD FOR A LONG TIME ME AND MY GRANDDAUGHTERS. I NOW HAVE CUSTODY OF AND WE ARE LIVING IN A XXXX BEDROOM APARTMENT BECAUSE OF THIS AS WELL. IF YOU CAN HELP ME GET THIS PERMANENTLY REMOVED FROM MY CREDIT REPORTS ONCE AGAIN I WILL BE ABLE TO PARTICIPATE IN THE " XXXX '' AND FINALLY GET MY GIRLS A DECENT HOME. ALSO I HAD STUDENT LOANS THAT WERE EXPUNGED AND SHOULD SHOW THEY WERE SATISFIED AND PAID ON TIME.. PLEASE HELP ME AND MY GIRLS XXXX WILL BLESS YOU I AM SUREXXXX XXXX XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & CoreLogic continues to report incorrect information on my consumer reports. My name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX there should be no other personal information listed. Once you update these reports send me a copy to ensure you have complied with federal law.
Product: Debt collection

Received notice on XX/XX/23 that I owed a standard fire insurance company {$820.00}. Called to see what this was about as Id never received any kind of bill for this and had no idea who standard fire insurance company even was. Man on phone and looked and asked have you had travelers insurance before? I said yes, in the past but Im with progressive now. He said oh ok. Its for the travelers plan. Ive never had any outstanding amounts owed to travelers. Received any notice from them about this. Nor was any insurance plan canceled due to non payment. None of it adds up. Online points to this company doing this to others. The only website they have requires you to enter personal sensitive information w the only options being basically to enter payment information when calling or trying to get on their website about it.
Product: Checking or savings account

My checking account was compromised by one of the tellers at the Citizen 's Bank, XXXX XXXX XXXX location in XXXX. I had someone deposit money into my account. The teller in XXXX  gave the person making the deposit a receipt with my balances on it. Which is a clear violation. When I contacted the bank the woman said she was the teller and there was no manager at that branch and she terminated the call. I have receipt she gave gentleman who made the cash deposit into my account and can fax or attach to an email.
{$100.00} deposit was made at Citizen 's Bank XXXX XXXX XXXX XXXX Wednesday, XXXX XXXX, 2017 XXXX Teller Number : XXXX Bank : XXXX XXXX : XXXX Transaction # : XXXX Desired Resolution : Applicable FTC Fines be paid to me and I would like not only to be compensated for the banks error I would like them to formally apologize and to ensure it Never happens again. Thank you.
Product: Debt collection

These people keep calling me saying I owe a payday loan from 2015 to The Cash Store. ( The store is located in a state i have never lived in ) They called my mother and my sister in law stating I wrote bad checks and that I have a warrant out for me. I have never taken out a loan or written bad checks. I called them back and tried to get their address and business name. They refused to give me their address but gave me their name as XXXX XXXX XXXX XXXX. They got very aggressive with me when I refuse to give them any personal details until I verified if they were legit. He said I was going to be served with court papers if I didn't pay. The man then stated my full social security number over the phone in front of at least 2 known workers and my date of birth. I asked him to send me an email with confirmation of who they were again he became aggressive. This is the 2nd time I have tried to dispute this claim with this company and they won't stop harassing me and my family. I'm afraid that these are scanners because now I know they have my full social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following accounts. 

XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX XXXX XXXXXXXX XXXX  XXXX I haven't checked my credit report in a long time. I went to the bank to get a home loan and was informed of these accounts. I don't know who could have done this. This is identity theft and a nightmare.
Product: Debt collection

I closed my XXXX  ( AKA : XXXX XXXX ) personal account and switched to a business account in XXXX of XXXX. I made a payment, on the unpaid balance, XX/XX/XXXX. At that time, received notification that my local Post Office was closing and all correspondents would route through a primary branch for pickup ( see attached notice ). As a result, several of my correspondents were misfiled and misplaced. Those included in this debacle were a billing statement, from XXXX, and a collection letter, from Sunrise Credit Services Inc. These were later located at the Post Office, but were just received by me within the last week. ( See attachments from XXXX and Sunrise Credit Services. ) I was making payment to XXXX, on the unpaid balance, when the noted billing statement was received ; dated XX/XX/XXXX. However, the Sunrise Credit Services Inc collection letter is dated XX/XX/XXXX. Hence, within 4 business days Sunrise Credit Services Inc was contacted by XXXX, purchased the debt, allegedly input my information into their database, then composed and posted a letter. This appears impossible and extremely fraudulent to me. Please also note that the included collection letter copy denotes a bogus original creditor account number, compared to my billing statement, from XXXX. This all appears to me as though some type of scam activity is taking place. I have, after finally receiving the billing statement from XXXX, paid the outstanding balance. However, Sunrise Credit Services has an online reputation of placing unfounded derogatory information on individuals credit reports. So, I do not want to become one of those statistic victims. 

Im filing this complaint to have the CFPB office intercede, issue a cease and desist to Sunrise Credit Services Inc, and stop them from attempting to place any derogatory statements in my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has failed to perform its due diligence and is falsely reporting a Fraudulent Collection account for {$500.00} on my credit profile, supposedly owed to a XXXX XXXX XXXX XXXX XXXX and it's affiliate company named XXXX as reflected on my credit report. I've never been aware of nor made any contract with such a company in the past or present and XXXX has intentionally and willfully compiled this erroneous information on my credit profile, thereby suppressing my scores and hindering my current process of home ownership which I've steadily worked on the past three to four years. 

I've reached out to XXXX in writing and my concern with their action has been negated and there erroneous information on my credit report continues to suppress and hinder my Credit Score which is a breach and totally unfair. XXXX must remove the negative information from my credit report with deliberate speed and update my credit report accordingly. 

Truly! 

XXXX XXXX