23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My complaint is against XXXX 's XXXX XXXX. This company is reporting that I have an alleged debt of {$230.00} owed to them. I have have spoken to them several times on the phone and sent them letters. My conversations that I have had date back to XXXX. I spoke with individuals in their collections department. I recently sent XXXX different letters requesting documentation. My first letter this year was in XXXX XXXX and the second was XXXX XXXX, XXXX. My verbal conversations and my letters are all based on the same premise. I want an audited statement of my account that validate that I owe {$230.00}, as they have reported to my credit reports. I want to see how they came to this. The account XXXX should have a history of payments from its conception. I want that history of payments. I have NOT in any way received anything that I requested. Instead, they responded to my XXXX letter by telling me that my attempt frivolous and not sending me any of the documentation that I requested. Frivolous, I do not not see how that is so. I have a right to see these documents if XXXX 's says that I owe this debt. Their response to my XXXX letter was a vague letter requesting that I send a form if I feel that my identity has been compromised. THIS was not in any way a response to the letter sent. I have been left dumbfound by this company. They will not do as I ask AT ALL and I have the RIGHT to the information that I have requested. On XXXX XXXX, XXXX I got a notification from the credit bureau that a new XXXX XXXX has been launched by XXXX 's. I have no idea what that is nor do I think they have the right to put something like that on my credit report without ANY advanced notification. I feel violated by this company. Where are my rights? They are functioning as though I do not have any. These violations constitute as my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 4 missed payments reporting to my credit from XXXX XXXX ..those where clearly an miscommunication or somethingthe account has been paid off and on time!
Product: Consumer Loan

Tower loan keeps harrassing me wanting payment when I have filed bankruptcy. Sent letter and spoke to tower loan to let them know I have filed bankruptcy. This company is harrassing me.
Product: Vehicle loan or lease

GM Financial put my account into a Bankruptcy and can not explain why. This mistake on their end caused my auto-payments to be disabled which put me behind for two months. GM Financial can not explain how the account was flagged for bankruptcy. They claim an error in their systems. I'm concerned my account was breached.

This has caused financial hardship and GM Financial will not do anything on their end to correct the issue.

I'm clearly not in a bankruptcy status.
Product: Checking or savings account

I traveled to XXXX XXXX XXXX on XX/XX/XXXX for a festival i goto every year at the same time and I always put the travel notification on my Chase account so I can use my card while in XXXX. On the evening of XX/XX/XXXX i logged onto my chase online account to see 2 charges one for {$2000.00} and the other for {$600.00} at XXXX XXXX in Washinton which was not charged by me and is definitely not authorized. i called Chase to report the fraudulent activity as the card was still in my possession. The funds were credited back while the claims department investigated the claim. A few weeks later I noticed that the money was once again taken out of my account when I called Chase on XX/XX/XXXX I was told by one of the claims specialists that it seems a card skimmer was used and he would reopen the claim. I went into a branch on XX/XX/XXXX and was told that my claim is dismissed because my 4 digit pin was used on the fraudulent charge. I have never been to Washington state and it seems the purchases were made as cashback at a supermarket. If you review my transactions on my Chase account I made a purchase at XXXX XXXX in the XXXX XXXX which is located in downtown XXXX using my card as it was a chip purchase the fraudulent charge was made 2 hours later in Washington which is impossible for me to travel from XXXX to Washington by plane its a 5 plus hour flight. I have XXXX  statements to show my trip to XXXX, XXXX trips, and purchases I made while in XXXX. Chase has told me there is nothing they can do for me but it seems like my claim was not investigated or investigated incorrectly. I feel as if Chase who I have banked with since XXXX and never had an issue is not even taking the time to look into my situation.
Product: Debt collection

I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715, 719 1 Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report today, I found unauthorized inquiries that I can not explain. These discrepancies appeared suddenly, and despite refreshing my browser to rule out a possible error, the unauthorized entries persisted. I am extremely upset about this situation and demand that the documents Ive submitted be carefully reviewed to ensure this is resolved immediately and doesnt happen again.
Product: Debt collection

I moved out of XXXX XXXX XXXX 2014. Almost a year later I received a letter from a debt collection agency seeking {$5900.00}. I had no knowledge of my debt. Under the fair credit reporting act, XXXX should have made a goodwill effort to notify me of the debt before sending it to collections. They had my phone number and forwarding address, yet failed to communicate and give me a chance to pay any debt, as well as dispute inaccuracies. Because of this I have been denied XXXX apartments and it has severely affected my credit score.
Product: Debt collection

Subject : Consumer Complaint Against True Accord for Violating Rights To Whom It May Concern, I am writing to file a formal complaint against True Accord for their persistent attempts to collect a debt that is not reflected on any of my consumer reports, and for their failure to provide validation of said debt. 

My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX. My email address is XXXX. 

Despite numerous requests for validation of the alleged debt, True Accord has neglected to provide any evidence or documentation supporting their claim. Furthermore, this debt does not appear on any of my consumer reports, raising serious concerns about its validity. 

I believe True Accord 's actions constitute a violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ). Their persistent attempts to collect an unverified debt not only cause undue stress but also infringe upon my rights as a consumer. 

I request that the Consumer Financial Protection Bureau ( CFPB ) thoroughly investigate this matter and take appropriate action against True Accord to ensure they adhere to the regulations outlined in the FDCPA. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX {$140.00} XX/XX/2023 is fraudulent account due to identity theft this account has been removed off of my XXXX but not Experian. As a federally protected consumer I demand maximum possible accuracy from Experian. Delete and removed this fraudulent account from XXXX off my report Experian, just like XXXX did, because its not mine.
Product: Credit reporting or other personal consumer reports

Creditor failed to validate debt.

Through the Fair and Accurate Credit Transactions ( FACT Act ), Congress amended the FCRA to, among other purposes, restrict creditors ability to obtain or use medical information in connection with debt collection.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of XXXX XXXX XXXX regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
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  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

RS Clark & Associates continues to monthly report a collection for the amount {$130.00} to XXXX  and XXXX  for an account XXXX that was paid in full on XX/XX/2020. I've called three times and I have sent two letters without any confirmation of this debt being removed from my credit report as it is being wrongfully reported monthly as a collections.
Product: Credit reporting

I disputed a bankruptcy on my credit report with equafax and there refusing to verify the information is correctly reported on my credit report. After I contacted the clerk at the court house reported on my credit report they advised me there was no case in there files with my social security number on it. So I 'm not sure we 're they are receiving the information there reporting. Also the clerk informed me they DO NOT report to the credit bureaus so the information there reporting is incorrect.
Product: Mortgage

My name is XXXX XXXX and my wife XXXX and I have an account with Specialized Loan Servicing for our townhouse in XXXXXXXX XXXX XXXX. I have been paying our mortgage on time diligently for the past XXXX or XXXX   years with SLS and never had a notice or complaint from them until recently. SLS sent me an option to choose to receive paper bills and I opted for it this XX/XX/2018. I got a notice from SLS this month XX/XX/2018 that I have an outstanding late unpaid balance of {$1500.00}. I was shocked to get this notice and so I called them on the phone but was not given a clear answer as to where this unpaid balance came to be. I called XXXX or XXXX   times and I was given different answers each time. I requested for a supervisor and they told me that a supervisor will call me back and explain to me what the problem is. But no supervisor has ever called me back. Twice I requested for a supervisor call back and did not received any call back. I am willing to pay this amount if SLS can explain to me in writing where this unpaid balance came to be. My concern is if I pay this blindly then how do I know that I will not get another notice from SLS about another made up unpaid balance in my account. Please help us resolve this problem with Specialized Loan Servicing.
Product: Credit reporting or other personal consumer reports

chagpt prompt : I have been trying to fix my credit, I sent out multiple letters to Experian but they are not complying with 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681c ( c ). and I just found out about the new lawsuit that CFPB came out with against them " CFPB Sues Experian for Sham Investigations of Credit Report Errors, Experian does not properly investigate disputes and fails to remove or reinserts errors on reports, threatening consumers access to credit, employment, and housing. '' how can I use this to my advantage and can you help me create a complaint so i can file it with the CFPB online XXXX XXXX XXXX account closed XXXX XXXX account XXXXXXXX XXXX account XXXX account closed XXXX XXXX account XXXX XXXX XXXX account closed
Product: Debt collection

Received a call from Radius Global Solutions on a dept from The XXXX XXXX for part of a Silver Coin collection I never received. The Coin is called the " TEMPEST ''. The amount of the XXXX is {$53.00}. 
I never received a written notice and on a call I received from Radius GS on Wed XX/XX/XXXX stated the letter was " in the mail : and I hadn't received it yet because they have " Only just picked up the account '' in XXXX XXXX stated they had shipped the coin which was never received, then promised to " re-ship '' the coin, which once again was never received. I have told this to them a number of times. 

Now I have a collection agency calling my personal cell and have yet to receive any written formal notice.
Product: Credit reporting

I Was Waiting For Sec XXXX To Approve My Move The Apt Wanted Me Out They Did Not Take My Rent. So Housing Moved Me Even After They Paid The Rent For That Month But They Did Not Like That So They Filed With Collections. Then They Placed It On My Credit But I Proved Them Wrong They Took It Off Then Placed It Back WHY?
Product: Bank account or service

I opened a Citibank checking account ( Account number : XXXX ) and deposited {$15000.00} on XX/XX/2016. According to the promotion, this newly opened checking account with {$15000.00} balance is eligible for {$400.00} cash bonus after 30 days. I also received new account welcome package and debt card on XX/XX/2016. However, on XX/XX/2016, I received a letter from Citibank declaring that Citibank closed my account on XX/XX/2016. The notification did n't go with a justified reason, and account balance {$15000.00} was also returned via check. 

I called Citibank customer service for a explanation, they failed to provide a reason. 
Citibank should not use my {$15000.00} for free for 30 days then closed my account to evade the obligation for paying {$400.00} cash bonus.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquires : 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
Product: Debt collection

I was contacted by Midland about a debt supposedly owed to XXXXXXXX XXXX. When i asked to validate the debt, the female representative started yelling, threatening to sue me if the debt is not paid. I told her I am unemployed and a XXXX XXXX XXXX, so I am unable to pay the debt. I told her I am currently seeking a part time job, and can pay a settlement offer of {$1600.00} but only if they delete the negative trade line. I am in need of a vehicle to get to and from work, and this bad debt is making it very hard for me to get financed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian serves me a thin creditor with none of my accounts showing, but they serve potential creditor savior file with information that is not correct in relation to one single and incorrect late payment to XXXX XXXX in XX/XX/XXXX. 

because I CAN NOT pull a property posted file, I can not dispute it which is causing Major business difficulty as need financing now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a pre-qualify loan with XXXX. I've had multiple loans with XXXX. ALL were paid on time or early and i paid over the amount due. I received two emails from XXXX stating they weren't able to approve it because of information from Experian. I am attaching the disclosure from XXXX where they list the reasons that were given to them by Experian. They are absolutely FALSE. First of all I have no negative public records at ALL and secondly they report my a reason as my payment history which is excellent. They also have my incorrect income to determine their " debt to income ratio '' which negatively affects your credit score. My income is XXXX a year. XXXX then emailed me again and said they apologized that apparently they had used incorrect information from Experian to determine my loan status. These credit reporting agencies literally have your financial life in their hands and its ridiculous how inaccurate they are.
Product: Vehicle loan or lease

On XX/XX/XXXX I logged in into my Bank of America account and thats when I realize that there was an auto loan of {$52.00}, XXXX that I didnt apply for or authorize. I called XXXX to freeze my credit and then thats when I discover that since XX/XX/XXXX they try to apply to different loans personal and auto loans with different companies, but they were all declined until the one that they apply through Bank of America on XX/XX/XXXX. They had also cancelled my cards and order one to the fraudulent address XXXX XXXX XXXX XXXX, XXXX CA back in XX/XX/XXXX so thats probably when everything started. I also try filling a police report, contact the social security department and reported to XXXX to freeze my credit. I started the claim with Bank of America on XX/XX/XXXX and they sent me some documents that I had to get notarized stating that my identity was stolen and that I didnt apply for that loan however I received a letter dated XX/XX/XXXX from them stating that they were denying my claim.
Product: Checking or savings account

XXXX XX/XX/XXXX the bank chime had a employee call me and take XXXX from my account and made XXXX transactions and bank won't give me my money back and they have a male employee use my card and I told I didn't allow em transactions but they need to give my money back and I'm a XXXX women that chime bank took XXXX from her.
Product: Debt collection

Complaint for illegal use of unregulated Artificial Intelligence to respond or refuse to respond Customers Complaints QWR, DVR and demand for TILA disclosures who are " Servicing Partners '' who demand from me two years of payments which I already paid during bankruptcy for the property located at XXXX XXXX XXXX XXXX MI XXXX I received XXXX-generated unnamed " Financials '' where on XX/XX/year> I was charges {$5.00} for " bankruptcy attorney referral fee ''. On XX/XX/year> I was charged {$410.00} for " Bankruptcy Claim '' - which is a THIRD ( XXXX ) charge for " Bankruptcy Claim '' by unknown to me parties. 
On XX/XX/year> I received a " Reinstatement Letter '' where I was asked to pay for two years - while I made these payments.

When I tried to find information about all these fees and charges, I looked at alleged " PennyMac 's website which obviously belongs to some " Servicing Partners '' who are nopt disclosed to me Moreover, the amounts listed in " financials '' do not reflect my payments made in my bankruptcy case at all.

I demand a response from the REAL HUMAN BEING who is employed by the CREDITOR and who has personal knowledge about all these fees and charges as well as how much money received named " Creditor '' PennyMac Loan Services , LLC, with copies of all processed checks received from my bankruptcy case, both sides.
Product: Checking or savings account

On XX/XX/XXXX my wallet was stolen. Inside this wallet was a XXXX XXXX XXXX ATM Debit Card administered by Fifth Third Bank. I notified the bank the same day. I also froze the card at the bank website. When 3 unauthorized transactions appeared, totalling approximately {$180.00} on XXXX/XXXX/21, I asked the bank to remove them. They gave me a phone number for " disputes ''. I called the number and provided the information related to these transactions and the last legitimate transaction before them. 

Approximately 45 days later I received a letter with the results of the bank investigation. They said they found no merchant misconduct, the transactions will remain charged to my account and this action is final. I never claimed merchant wrongdoing. I SAID THAT MY WALLET WAS STOLEN! 

I would like the bank to return the approximately {$180.00} back to my checking account.
Product: Credit card or prepaid card

Yesterday my wife tried twice to use our Captial One Visa card to pay for a renewal of the XXXX XXXX for one year, but Capital One declined the charge twice. The charge was {$610.00}, and we had {$9800.00} in availability under the card. My wife proceeded to use a Visa card issued by another bank without any trouble. 
I didn't know all this until I received an email shortly thereafter from Capital One : " We recently detected suspicious activity on your account. To protect you, we've restricted your account from making any transaction. '' " Call us ASAP. '' I did call Capital One ASAP but was told by a recorded message that no human being could help for more than ten minutes. About twenty minutes later a representative, who was courteous and professional, called me back. I want this complaint to reflect favorably on him. 
But he had no explanation as to why a XXXX XXXX subscription was " suspicious, '' Anyway, to get the hold removed on my account I had to give the last four digits of my social security number ; my date of birth ; my email address ( which Capital One had just used ) and THEN, I was required to give a " one-time consent '' to Capital One 's texting me with an authorization code. 
I believe the foregoing facts reflect a violation by Capital One of the TCPA and its cardholder agreement, as well, of course, fair customer-facing practices.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Product: Credit reporting or other personal consumer reports

I noticed my credit score dropping. When I checked my credit report I noticed fraudulent accounts where opened under my profile. This is affecting my ability to obtain credit and build a financial future.