23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I got a letter from my bank XXXX XXXX XXXX back in XX/XX/XXXX. Stating that a company named : Mel S Harris was trying to garnish my checking and whatever accounts I have. XXXX stated that my income deposited is from social security XXXX, and by law they can not do their action. 

About a few days later. Mel S Harris contacted me, stating that they have a judgement on me. And I must pay them, or they will keep garnishing my accounts. Mind you, i never received a letter or summons, to appear in court. When I mentioned to this the debt collector. She said they sent it, and it 's my problem that i did n't get it. and since the judge ruled in their favor. I must pay the debt. 

I did some research on my state 's court website. And yes they got a default judgement on myself. I also googled this company. And i found a lot of complaints from various people, around the USA. 

I also read some press releases from my attorney general at the time, XXXX XXXX from New York State. He stated that debt collection agencies who got judgements. Used illegal tactics to attain them. Mel s Harris - was caught and sued for not serving clients with summonses. But claim they did. Also a mass class action lawsuit was filed against them in court. Which they lost in XX/XX/XXXX of this year. Below are the website links, in regard to this company : XXXXXXXXhere is the decision by XXXX v. XXXX XXXX heard in XXXX XXXX Court : XXXX : XXXX i attached a file from the FTC in regards to the lawsuit . 

hope this is enough information. If you need to contact me for whatever reason. Call me at XXXXXXXXthanks, XXXX XXXX
Product: Debt collection

I contacted Navient after receiving email stating my next automatic payment will be over {$330.00}. My agreed upon monthly payments are {$190.00} and the company has successfully withdrew that amount monthly with no problems. I spoke with representative XXXX on XXXX/XXXX/XXXX and she informed me that my account was delinquent from a balance in XXXX XXXX. I informed XXXX my account is not delinquent as I have spoken to Navient reps over the course of the past months and I have never been informed I have been delinquent. I spoke with supervisor XXXX. who reported she reviewed a missed payment of {$140.00} for the month of XXXX XXXX and that every month since then the payment have rolled over monthly. I informed XXXX. I have never received information from Navient via email, mail or call stating my account was delinquent. XXXX  reported the email may have went to my spam and it 's deleted after 7 days. I informed XXXX. I receive all other notifications but never received a delinquent email, letter or phone call. XXXX. informed me that there was nothing she could further help me with and suggested I break the payments up over the course of months. Navient continues to have fraudulent practices against consumers. I removed my checking account from my Navient account as I did not want to make another payment until I filed my complaint and spoken with an ombudsman representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the Covid-19 Pandemic CRAs were suppose to assist consumers during the crises with free credit reporting. On XX/XX/2021, Experian had my credit score at XXXX, that following month, XX/XX/2021, I cancelled my Premium account but kept the Free Basic plan. 
I am a XXXX XXXX female American XXXX  veteran. 
Thank you!
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 Balance Owed : {$0.00} XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

According to the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am required to submit a picture ID, a bill, and a letter from an advocacy group supporting me due to debt bondage related to human trafficking, as defined under Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ). I respectfully request that you remove this information from my credit report within four business days, in compliance with Section 605C of the Fair Credit Reporting Act. I have provided my identification and the required documentation from the list of acceptable items, which, as per the law, only requires two documents. Additionally, I have included all necessary documents, including a victim determination letter in accordance with Rule 1022.142 ( b ) ( 6 ).
Product: Debt collection

I am filing this complaint against Diversified Adjustment Service Inc. for violating the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) regarding their improper reporting and collection of an alleged debt. 

On XX/XX/year>, I sent a formal Debt Validation and Cease Reporting Demand letter to Diversified Adjustment Service Inc., disputing a collection account ( Account Number : XXXX ). In my letter, I exercised my legal rights and requested full validation of the debt, including : Proof that I am responsible for the debt ( e.g., original signed agreement ). 
Complete breakdown of the amount owed, including fees, interest, and payments. 
Identification of the original creditor ( name, address, account number, and date of transfer ). 
Proof of legal authority to collect the debt, including a valid debt collection license. 
Confirmation that the debt is within the statute of limitations, with legal justification. 
Under XXXX XXXX. XXXX ( FDCPA ), Diversified Adjustment Service Inc. was required to validate the debt within XXXX  days but failed to do so. Instead, they continued collection activities and reporting to credit bureaus in violation of my rights. 

Additionally, under XXXX XXXX. XXXX ( a ) ( XXXX ) ( FCRA ), if a debt can not be verified, the collector must cease reporting the account. Despite failing to provide validation, Diversified Adjustment Service Inc. continues to report the debt, violating XXXX XXXX. XXXX ( b ) by failing to maintain accurate and verifiable credit reporting. 

This has resulted in financial and reputational damage, as the unverified account remains on my credit report, affecting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis is refusing to move car insurance records that are not mine. I called at the beginning of XXXX and disputed these items but Lexis Nexis is stating they are accurate when they are not. They are unable to tell me how these records were verified. My entire report is full of incorrect information including addresses, names, and phone numbers. I am still waiting on the results from the personal information disputes. Obviously I have been mixed up with a person with a similar name. Here are the inaccurate records that need to be removed : -Record 1 XXXX XXXXXXXX XXXX XXXX- I never owned a XXXX XXXX. This record is not mine. 

-Record 2 XXXX XXXX XXXX This policy states my gender as " XXXX  '' and I never owned a XXXX XXXX or XXXX XXXX XXXX This record is not mine. 

-Record 3 XXXX XXXX XXXX - This record is not mine. I did not own this vehicle. 

-Record 4 XXXX XXXX XXXX  - I have never been associated with a person named XXXX XXXX XXXX I did not own a XXXX XXXX. 

-Record 5 XXXX XXXX XXXX  - I have never owned a XXXX XXXX. This record is not mine. 

XXXXRecord 7 XXXX XXXX XXXX  - I have never been associated with a person named XXXX XXXX XXXX I have never owned a XXXX XXXX. This record is not mine. 


Remove the incorrect information from my report immediately.
Product: Debt collection

XX/XX/XXXX XXXX ID # XXXX attempts to collect on what is KNOWN ID THEFT By USAA FTC XXXX see attatched. see CFPB usaa response. XX/XX/XXXX XXXX USAA IS WELL AWARE OF THIS ID THEFT BUT HARRASSES ANYWAY. 18 SCAM CALLS then I answered. see attatched FRAUD CLAIM DATE {$470.00} XX/XX/XXXX Confirmed Unauthorized and STILL UNRESOLVED.?? see attatched CRIMINAL INVESTIGATION OF USPS DELIVERIES XX/XX/XXXX proof Not delivered into my hands. see attatched ( Duties when ID THEFT Occurs * LAWS IGNORED BY USAA. XXXX see attatched ( FCRA STATUES * 15 LAWS USAA IGNORES. )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a Certified Letter to the Credit Reporting Agencies for the removal of a Bankruptcy that is listed on my account. The report came back " verified '' However per the New Rule from the CDIA ( Consumer Data Industry Association ) Beginning XX/XX/XXXX public record data collected for credit reporting purposes, including bankruptcies, civil judgements and tax lien, must contain minimum identifying information and be collected at more frequent intervals as follows : 1 ) Minimum reporting of : ( 1 ) Name ( 2 ) Address ( 3 ) Social Security Number and/or date of birth ; and 2 ) Minimum frequency of courthouse visits to obtain newly filed and updated public records of at least every 90 days. 

I had a security freeze placed on my account with XXXX, and I spoke to XXXX and asked them if my information had been released to the Credit Bureau 's after I place a security freeze on my account. A representative by the name of XXXX with XXXX ( XXXX ) informed me that once a security freeze is placed, no information is given without my consent. 

It is my belief that the Credit Bureau 's are engaging in dishonest and deceptive practices by stating they obtained information when they have not. I do n't feel as though they have investigated this properly and truthfully.
Product: Checking or savings account

This is to follow up with previous complaint I filed on  XX/XX/XXXX    regarding the broken Chase ATM machine located at  XXXX   XXXX   XXXX   XXXX  floor at  XXXX  College  XXXX   XXXX ,  XXXX , NY  XXXX .     I was at this location on    XXXX   XXXX   XXXX   XXXX   I tried to retrieve some cash from this Chase ATM at this location. Instead of giving me the cash I requested, this ATM machine got my card stuck inside of the slot, I was not able to get it out. I asked mall security guide for help, but security staff said it is  Chase  's problem, and I am the SIXTH CUSTOMER OF that day experienced this RIDICULOUS issue. They told me the best suggestion they can give to me was wait for  XXXX  minutes, and the ATM machine will release my ATM card back to me. Apparently all previously  XXXX  customers had been WAITED THAT LONG to re-gain access to their Chase debit card!!!     I   had an hair and massage appointment, thus I tried to call Chase customer service, but I was not able to get through to talk to any live person helpful to this situation. Thus I waited near this broken Chase ATM mall inside of the mall for 20 minutes, I got back my ATM Chase ATM card but I missed my hair and massage appointment to get my debit card back.
I complained to mall manager about this horrible experience, the mall manager told me that this is outside of the scope of what mall management can do. It was Chase provided bad ATM machine, they also felt bad for all Chase customers who experienced difficulty with the ATM. They also had NEVER SEEN any bank ATM machine swallowed up customer 's ATM card and causing customers EXCESSIVE AMOUNT OF TIME to wait. None of the customers on that day received any cash from the machine, they indicated this issue had been going on for a while, and Chase failed to check into this regardless multiple customers experience hassle and difficulties.       After I filed the  XXXX  complaint.  Chase  employee  XXXX   XXXX  left a voice message to my cell phone on   XXXX    he left a call back number  XXXX  and said that would like to speak to me in person. I called back twice but experience same bad experience as the other day, reaching his voice system, no live person to answer. I prefer Chase to reply me in writing regarding solution. No more phone calls. I would like to have a written record of the solution.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed I had five late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account that I have included on the attached screenshot. Inside this complaint reports the following dates of XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22, & XX/XX/22. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached.
Product: Credit card

I have opened membership with Costco where they facilitate the customer to open a credit card with Citi, I had given my information SSN, address everything and they checked I was approved for credit card. Its approved on XX/XX/year> which suppose to be deliver in week but never delivered. I have called many times to Citi and Costco both but it didn't help. every time agent on call said " your card will be delivered through XXXX we will expedite ''. It is around 2 months for calling them but nobody helped me. 
I have XXXX card but Costco do not allow payments with XXXX so I can not do my groceries from Costco even I paid for their membership. Citi and Costco forcing me to call back and forth to each other by saying thats is not thier issue.
Product: Checking or savings account

My account was accessed while I was XXXXXXXX from XX/XX/XXXX til XXXX  XXXX of this year. Someone that I know assumed my identity and changed all of my login information so they could access my stimulus and other money from my account. I never gave power of attorney and have filed a formal complaint with identitytheft.gov. This person essentially has stolen close to {$5000.00} from 3 of my accounts. My XXXX, Chime Bank and my XXXX XXXX accounts. I have a paper trail that outlines unauthorized transactions from the entire time that I was XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and I seen some un authorized Inquiry on my profile. They Include XXXX, XXXX, Citibank NA, Best Buy
Product: Credit reporting or other personal consumer reports

( XXXX XXXX XXXX ), ( XXXX ), ( XXXX ), Contents of complaint : This XXXX complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681 c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of a charge card account opened with XXXX  on XX/XX/XXXX Account number XXXX, charge card account opened with XXXX XXXX XXXXXX/XX/XXXX Account number XXXX, charge card account opened with XXXX on XX/XX/XXXX Account number XXXX and multiple other accounts ( see attached list of accounts on the FTC Report XXXX. These accounts have resulted in several fraudulent hard inquires and collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquires are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquires are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The following collection agency has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
. XXXX XXXX Acct XXXX on XXXX, XXXX and Experian, XXXX and XXXX XXXX Acct unknown on XXXX, XXXX XXXX XXXX Acct XXXX on XXXX and Experian, XXXX XXXX Acct XXXX on XXXX and Experian, XXXX XXXX XXXXXXXX XXXX Acct XXXX, XXXX XXXX XXXX Acct Unknown on XXXX The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and privacy of personal information assembled by Credit Reporting Agencies I recently review my credit reports from XXXX, XXXX and Experian, I noticed many things are not accurate and incomplete and according to the fair credit reporting act the consumer reporting agency prepares a consumer report it shall have the maximum possible accuracy of the information concerning. the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

15 U.S.C. 1681c. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

On all these collection agencies, I did receive any information from or sign anything with them, that been said why they all are saying that I open an account with them when I did not. XXXX  XXXX and XXXX XXXX is XXXX of the prime examples They said I open an account XXXX XXXX XXXX, but the original creditor last payment was XXXX  that was XXXX years ago. The statute of limitation in Georgia is XXXX years.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax violated my right to privacy pursuant to Title 15 USC 1681 ( a ) ( 4 ) -Accuracy and Fairness of Credit Reporting , which is a violation of the ( FCRA ). pursuant to Title 15 USC 1681b ( a ) ( 1 ) -Permissible purposes of consumer reports, Equifax have not got an order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury, to furnish account ( US DEPARTMENT OF EDU ) to my consumer report. I as a consumer never VERIFIED nor gave prior permission to Equifax to furnish the account ( US DEPARTMENT OF EDU ). I as a consumer is enforcing my RIGHTS and demanding that Equifax Delete/Remove ( ALL ) accounts ( US DEPARTMENT OF EDU ) from my consumer report or I'll file suit pursuant to Title 15 USC 1681n-Civil liability for willful noncompliance and 15 USC 1681o, for negligent noncompliance Respectfully, Equifax will be liable to me {$1000.00} each violation for violating Federal Law ( FCRA ) -Fair Credit Reporting Act.
Product: Checking or savings account

Santander had an account with My husband and I. we only opened it not too long ago. A couple month after opening the account I notice my ATM card is not in my wallet. I call the XXXX number to Santander and speak t the feud department ad inform them i am missing my card. I was informed to go to the branch and show id. NOTHING ELSE>> Now a check for XXXX gets deposited into the account made out to me but i know nothing about it nor did we deposit it. I call the branch to make an appointment which was rescheduled a few times because of weather or etc..During the time the account has XXXX in it t start.. The XXXX check gets deposited and the XXXX we had plus XXXX was withdrawln. Santander must of figured out the check was no good and the account became NEGATIVE XXXX plus the XXXX we lost. Anyway once my husband and I sat in front of the representative from Santander she was very understanding and explain everything to her about missing the debit card. to the deposit and withdrawn we knew nothing about.. She made a call and got off the phone and told us our account is closed and thats all she can say. NO HELP. NO EXPLANATION. NO PROTECTION. NO INVESTIGATION. MONEY STOLEN .NOTHING WHATSOEVER DONE ABOUT THE SITUATION. Now My husband and I go to open an account at another bank and we are being told that we can not open another account due to a situation with Santander.. I am appalled that I was not helped in anyway, NO one even looked at the ATM camera to see who deposited the check and had my debit card. Now we can not even go to another bank and get an account because of the negligence of Santander. We need and account and now have no options
Product: Credit reporting or other personal consumer reports

The credit inquiries listed are unauthorized and I have attempted multiple times to contact these companies directly to have them remove them and haven't received a response : Experian : 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
Product: Debt collection

I am unaware of this debt, I have disputed it several times but it remains on XXXX of my credit reports and is hindering me from XXXX. I have even offered to pay a portion of the debt with the debt collector without verification just to avoid the hassle of dealing with this. They have refused to send me any verification of this debt.
Product: Money transfer, virtual currency, or money service

My money was used with out my permission I lost out on a lot of money I had several cash app taking my money I want all my money back all money to be returned
Product: Debt collection

CONTINUOUSLY REPORTING A LATE PAYMENT AFTER REPOSSESSION OCCURED CREDIT ACCEPTANCE CORPORATION XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Product: Debt collection

I received one letter, dated XX/XX/XXXX, from XXXX XXXX XXXX stating I had a collections balance of XXXX with two separate creditors, XXXX XXXX XXXX on the front, and XXXX XXXX XXXX XXXX on the back for a medical service rendered XX/XX/XXXX. I had never received any previous bills from " XXXX XXXX XXXX which does not exist, as only XXXX XXXX could be found on XXXX, and it refers to XXXX Hospital in XXXX. I have also never received any bills from XXXX XXXX. The item was reported to the credit bureaus on XX/XX/XXXX. The letter states they have attempted to contact me, and are willing to let me pay a reduced amount to settle it, but makes no mention of my right to dispute the debt.
Product: Credit reporting or other personal consumer reports

I had an auto loan with XXXX XXXX XXXX XXXX, and my vehicle was stolen. A police report was filed, and the vehicle was recovered with significant damage, including a swapped VIN and replaced body parts. The car was subsequently auctioned off. According to my understanding of the FCRA, when a repossessed vehicle is sold, the remaining balance I owe should reflect the amount it was sold for. However, my credit report still shows an incorrect balance.