23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called the creditor on numerous accounts to to advise them to update the information they are reporting on my credit report and instead of correcting the information they are reporting to the credit bureaus they added a false statement that said I was affected by a natural disaster. 

Please be apprised that American Credit Acceptance along with XXXX, XXXX, and XXXX directly violates the Fair Debt Collections Practices Act. by Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) and according to 15 U.S. C 1681 Section 602 A. States I have the right to privacy and 15 U.S. C also states a consumer reporting agency can not furnish an account without my written instructions. 

I have enclosed the letter I mailed to the American Credit Acceptance along with a current copy of a partial copy of my credit report dated XX/XX/2023 with the disputed information highlighted.
Product: Checking or savings account

Hi, I opened account in XX/XX/XXXX. The banker told me I do had XXXX new account bonus cash when you set up direct deposit total XXXX in 90 days. I finished my qualification in 3 months.But 5 months later, I still not get anything. I contacted them 1 month ago. The customer service said will pay me in one month. But I contacted them today. The manager name XXXX said they don't want to pay it to me. They changed story said I am not Targeted with this offer!!!! They should honor it what they said. I need my XXXX bonus.
Product: Mortgage

We purchased our home in XX/XX/XXXX for XXXX. We received a conventional mortgage with XXXX for XXXX. In XX/XX/XXXX we were approved for a HELOC with XXXX for approximately XXXX. In XX/XX/XXXX i became unemployed. I was out of work for 3 years. We reached out to XXXX many times to apply for assistance. With both loans we were unable to make the payments on our home. I remained unemployment for 3 years and our home went into foreclosures procedures. we did reach out to XXXX many times for help they were unable to assist us. XXXX sold our mortgage to Seterus inc in XX/XX/XXXX. we were taken to court and foreclosure procedures continued. In XX/XX/XXXX we filed for chapter XXXX bankruptcy. Our homes current value is XXXX and we currently owe XXXX for 45 years. We need extensive repairs as well to help increase the value of the home. When we purchased the home in XX/XX/XXXX for XXXX this price was way above the value of the home. It was at the height of the housing bubble. We also should not have been given a HELOC. It over extended our income to over 45 % yet we were approved based on the false value of the home. Seterus lost paperwork when we first attempted to modify Our mortgage during my unemployment status. After 8 months of waiting and call Seterus we had to start the process over. This was in XX/XX/XXXX Now we have been offered a modification for the current balance of XXXX for 45 years We will never be able to pay this off and at this time we need extensive renovations can not get a loan to make the repairs and upgrades because we are under water. The current value of the home is XXXX and our mortgage balance is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX/XXXX XXXX
Product: Debt collection

Ally credit card services formerly XXXX, charged off my debt on my credit report XX/XX/year> ( my credit report says theres no collection agency involved ). I called them and they transferred my call to XXXX XXXX, a XXXX XXXX party collection agency. I asked this company to provide me with their mailing address, of which is the same XXXX XXXX XXXX Ally credit card services. I told the employee that they his was the same address as Ally and then she provided me with a physical address ( I requested a physical address initially and she said she didnt have XXXX ). 
Ally is committing fraud with the collection agency XXXX XXXX as Ally charged off my debt but is trying to still collect the debt through a subsidiary company affiliated with Ally.
Product: Debt collection

I disputed XXXX accounts with Central Financial Control. They are harassing me about medical bills that I do not owe. I asked them to send me validation and they responded with NO VALIDATION! They just continue to say I owe these accounts with NO PROOF! This is unfair and extremely frustrating! I requested this information over 60 days ago!!! There time to investigate is up by law.
Product: Debt collection

This letter is regarding account # XXXX, which you claim my account was charged off/collections. Please REMOVE this account to on all 3 Credit Bureaus ( XXXX XXXX and XXXX ). This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was current. Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. -- Very Respectfully, XXXX XXXX
Product: Credit card or prepaid card

I received my monthly bill showing several charges for extra airline luggage we checked on a flight to XXXX Ohio on XX/XX/XXXX and to XXXX on XX/XX/XXXX. The amounts were {$100.00} each way. In XXXX AMEX asked me to upgrade my credit card which would increase my annual membership {$150.00} per year. One of the caveats to this was I would get {$100.00} credit on anything I purchased with the airline if I used my AMEX card to book the flight which I did. I was given this in XX/XX/XXXX but when I called about my {$100.00} credit for this for the XX/XX/XXXX charges I was told that I had to register the airline with AMEX to get this. I was never told that and if I was, I would not have taken it because I fly different airlines depending on costs, layovers, etc. Their response was they would not give the {$100.00} credit and when I told them to downgrade my card so I would not pay the extra {$150.00} per year, I was told I would have to go with a standard AMEX XXXX card. I have been a loyal, on time paying Gold Card member since XXXX. I would think that 31 years of loyalty would be something but instead it is okay we will charge you more, not honor what we told you and if you don't like it we will downgrade your card. I guess since I pay it off monthly they are not making enough money off me.
Product: Credit reporting or other personal consumer reports

I wrote to CITI to urgently request that they remove the negative delinquencies from my credit report, which resulted from CITI Bank 's failure to follow through on my fraud report. These delinquencies have severely impacted my credit score and are hindering my financial progress. On XX/XX/year>, I initially reported the fraudulent activity on my account. I was assured over the phone that the issue would be resolved, and I would receive a new card. However, the new card was never sent, and I received no further communication requesting additional information. In XXXX, I received a call from CITI Bank requesting payment, which is when I discovered that the fraudulent transactions had not been addressed. I was transferred between multiple representatives, and it was not until I spoke with a security agent that I was asked to submit a police report, which I emailed to the provided email address. Although the account was eventually corrected, the interests and late payments resulting from the delayed resolution were not credited. This oversight has caused significant stress and has hurt my credit score since XX/XX/year>. I have since spoken with a XXXX named XXXX, who worked on my account and brought it back to a XXXX balance. She apologized and assured me that the issue would be resolved once and for all. However, I have yet to see the negative delinquencies removed from my credit report.The account reports as charge off, and 150 days late payment. This has resulted in my great credit score of over XXXX to the XXXX now. I have a business plan I want to pursue but I cant move on because of this bad report on my credit. I am requesting that CITI takes immediate action to delete these late payments and charge off from my credit report. They were a direct result of the fraudulent transactions, which I reported and submitted a police report for. The presence of these delinquencies on my credit report is impacting my life severely. I would appreciate it if CITI expedites this request and provide a confirmation once the negative delinquencies have been removed from my credit report. Please find below my account information for your reference : - Account Name : XXXX XXXX - Account Number : XXXX ( note, I found out about this account number from the supervisor XXXX, the very old account ended in XXXX, I dont remember the full number ) If you need my SSN, call me on XXXX for that. Thank you for your prompt attention to this matter. I look forward to a resolution soon.
Product: Debt collection

debt collection attorney sued me and now garnishing my wages for debt they say i allegedly owe. amount {$4400.00} XX/XX/year>XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach. As a result, I request that the following accounts be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were opened or reported due to unauthorized access to my personal information, and they should be removed from my credit file immediately. 
ACCOUNTS TO BE BLOCKED AND DELETED : 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: Vehicle loan or lease

Car was taken XX/XX/3023 and now that the car has been taken and sold they are saying that I owe them almost XXXX
Product: Money transfer, virtual currency, or money service

During the early afternoon of XXXX, 2023, I was called by a man identifying himself as an Officer from Customs and Border Protection, in XXXX XXXX. He stated that someone with my name had been receiving XXXX XXXX, stolen packages and $ $ from XXXX and XXXX, and he asked if that was me. When I denied this, he then told me my ID had been breached. Because of this, he said he would pass me onto his colleague, XXXX XXXX, the XXXX Marshall, on XXXX. He told me to expect two Marshalls at my house the next day, that there would be an arrest warrant and that I could spend time in prison. He informed me that I had two options to resolve this issue, firstly, to hire a Criminal Lawyer and obtain Courthouse protection, or secondly, immediately provide money. I was able to withdraw {$5000.00}, then he directed me to a Bitcoin machine at a gas station. I was provided with a bogus QR code via a text message, my personal wallet and instructed to open an account and deposit the money. Later in the evening when I tried to access the XX/XX/XXXXmachine, it failed to recognize my identity, thereby making my money inaccessible. I have emailed back and forth with XX/XX/XXXXand their policy does not support or sympathize with victims of scams and will not refund the money.
Product: Debt collection

In XXXX of XXXX my husband & I purchased a 5th wheel RV. At the time both of us were gainfully employed. Within months of this purchase my husband became very ill and was XXXX in XXXX for approx. 1 week. Upon discharge my husband was unable to continue working. As he was XXXX at the time, he was able to file for social security retirement benefits. His retirement income was approximately 70 % less than when he had been employed. As a result of this, we were no longer able to continue payments and we voluntarily surrendered vehicle to US Bank. US Bank took possession of the vehicle in XXXX of XXXX. In XXXX of XXXX, we did receive a statement that there was a balance of {$23000.00} due on the account. Since then, I may have received one or two notices about the amount owed, but we did not have anywhere near that amount to pay them. My husband passed away in XXXX of XXXX. On XX/XX/XXXX I received a summons that I was being sued by US Bank. I had received no notification of any intention to sue, nor any attempts to resolve debt. The last notice I received from them was probably in XXXX or XXXX.
Product: Mortgage

In XX/XX/XXXX I moved out of my home that was mortgaged with Flagstar Bank. 
XXXX Loan # XXXX XXXX I rented the home until XX/XX/XXXX when my situation dictated that I could no longer afford the home to to debt, divorce, car loans, 2nd Mortgage, etc. I tried to get Flagstar bank to refinance my home at the appraised value which was {$60000.00}. They refused to help me even though my loan amount with my 1st and 2nd was over {$100000.00}. I could not make the payments and could not rent the home to recoup what I owed per month. I also fixed up the home and tried to sell it at the lowest amount possible. Nothing worked. 
I walked away from the home due to these factors and Flagstar took it back and sold it afterwords. I am now trying to refinance my current home and can not because this is still showing up on my credit score because of the gap between what I owed them and what they were able to sell the house for. I received no help during my process of trying to keep the home at a reasonable amount due to the constant hurdles and road blocks put up by the finance department at Flagstar.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and file a complaint with JPMCB regarding inaccuracies on my credit report, which I believe violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). My name is XXXX XXXX XXXX XXXX, and my date of birth is XX/XX/year>. My current address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. The related FTC report number for this dispute are XXXX, XXXX. Upon reviewing my credit file, I have identified several entries that appear to be inaccurate, duplicative, or fraudulent, with no evidence of authorization or approval by me. These entries do not correspond to any legitimate transactions, accounts, or activities that I have initiated and may be the result of fraud. As such, I assert that these inaccuracies violate my rights under the FCRA and FACTA, which provide me the ability to dispute inaccurate information and require you to investigate and correct or remove any unverified or erroneous entries. 
I believe these inaccuracies violate multiple sections of the FCRA, including Section 1681e ( b ), which mandates that credit reporting agencies maintain accurate information. The disputed entries on my report either appear duplicated or contain no legitimate transactions authorized by me. In addition, Section 1681i of the FCRA requires that credit agencies conduct a thorough investigation of disputed items within 30 days ; however, this has not occurred. If the disputed information can not be verified, it must be removed or corrected. Furthermore, under FCRA Section 1681c, outdated negative information must be removed if it exceeds the seven-year retention period, and I believe some entries on my report may be in violation of this rule. In compliance with FACTA, I am entitled to receive documentation proving the accuracy of these entries, yet I have not received such evidence. Therefore, I formally request that JPMCB conduct a thorough investigation of these disputed items and, if they can not be verified, remove them from my credit report immediately. If these issues are not resolved in a timely manner, I will pursue further legal action to protect my rights under both federal and state law.
Product: Debt collection

Dates Fraudulent Accounts Opened : Amount : Company : XX/XX/XXXX {$1400.00} Barclays Bank Delaware XX/XX/XXXX {$5100.00} XXXX After I applied for an auto loan in XX/XX/XXXX, I reviewed my credit report and noticed that there are multiple accounts that were opened under my name with no knowledge about them. I was shocked to find out that I had been a victim of identity theft since my information had been compromised. Me being a victim of identity theft has negatively impacted my life severely causing me to have the worst experience of XXXX and XXXX. I had no idea what to do next. I knew that I had to do something to get the fraudulent accounts corrected immediately. I did some online research and found the FCRA and Federal Trade Commissioner helpful in which had led me filing a police report as it did get approved by XX/XX/XXXX. Furthermore, I had obtained an approved police report and sent it to each major credit bureau via certified mail, affidavit, and notarized to have the fraudulent accounts removed from my credit file. However, only one credit bureau has been compliant thus far and the remaining two have not. The actions I took to try to get my identity theft problem resolved was to also file an identity theft report with the Federal Trade Commissioner as well is to mail the report to each credit bureau ( XXXX and XXXX ) as well as contacting the creditor directly. Still, nothing resolved.
Product: Vehicle loan or lease

I leased an XXXX XXXX from Audi of Downtown LA for 3 years returning it in XX/XX/XXXX. A few days before it was returned, an XXXX inspection stated that it need two new tires which needed to be the same make and model as the existing ones. If I did not replace the tires prior to returning the vehicle, then I would be charged for new tires. Therefore, I purchased the exact same tires from a tire shop which installed them just prior to returning the vehicle. When I returned the vehicle, it was noted on the return slip that new tires had been installed. 

Yet despite this, Audi sent me an invoice a few days later which tried to fraudulently charge me for new tires. They said that I needed to provide a receipt for the new tires that were already on the vehicle. This seemed like a fraudulent business practice to me since they already had possession of the vehicle with new tires and was just another hoop for me to jump through so I could clear my debt with them. In my opinion, this was the first form of harassment from Audi. Despite this, I sent them a copy of the receipt from the tire shop and asked them to remove the charge for the new tires. They were unresponsive and just kept sending me the same overdue invoice repeatedly. Audi of XXXX blamed the Audi Finance people, and vice versa but nobody resolved it. 

According to my calculations, Audi was asking for {$1600.00} which included the new tires which I already installed. Audi 's charge for those tires was {$480.00} X 2 = {$970.00} plus sales tax of {$100.00} = {$1000.00}. On XX/XX/XXXX, I paid {$620.00} for a damaged bumper to Audi and if you deduct that from {$1600.00}, it equals {$1000.00} which is the fraudulent charge for the tires that I replaced. 

After many emails and calls from my wife and I, the Audi invoices stopped coming. However, a few months later a collection agency contacted me demanding payment. We explained the whole history of the fraudulent charge and they stopped bothering us. We thought the issue was finally resolved but apparently Audi insists on harassing their former customers for many years after their relationship ends. Last week ( XX/XX/XXXX ), over two and a half years after I returned the vehicle, I received a call and threatening emails from another collection agency. I again explained the situation, but they said I had to clear it with Audi. I contacted Audi of XXXX, and they blamed Audi Finance, and vice versa again. Please help me resolve this matter and stop this fraudulent and predatory business practice from Audi.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, Georgia XXXX Re : Request to Reinvestigate & Delete Accounts Re : Full name : XXXX XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/1989 Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.

USDOE/XXXX {$46000.00} XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX {$810.00} XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) {$1000.00}