23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have no knowledge of the debt owed to this company. I have never done any business with this company nor have I signed any documents. I requested copies of the paperwork showing I signed and agreed with company but nothing was sent in response. According to 15 USC 1692c ( c ), If a consumer notifies a debt collector that a consumer refuses to pay a debt, the debt collector must cease all communication. Therefore, there should be no communication nor should there be any report on my credit report because I do not owe Resurgent Capital Services.
Product: Debt collection

I received a notification, from my credit reporting agency stating my credit dropped XXXX points, from XXXX XXXX XXXX, I called XXXX to get more information and they were rude and hung up on me, i called again and spoke with someone who stated they were collecting a debt. For XXXX california XXXX in the amount of {$3400.00} dollars, I hung up and immediately called XXXX california XXXX, and XXXX stated that in their records i didn't owe anything, i was never notified by XXXX by phone or mail that I had a debt, this torres credit services comes from out of nowhere stating that this money is owed! XXXX California XXXX says otherwise.
Product: Debt collection

On XX/XX/2022 I sent the debt collector a letter, requesting that the send me a statement with the current amount due, and a monthly statement thereafter requesting payment. The request for a monthly statement was expressly made because of cognitive challenges I have and I may not remember to make the payment if I do not receive a bill. They have not responded to my letter at all. Further, I previously requested to negotiate a settlement of the debt and they refused to consider any settlement, saying that my bill was considered by my insurer in my deductible and could not be now negotiated or reduced. That's outrageous. That's like saying I received a benefit from my treatment and I can not now negotiate or reduce the payment. Ultimately, I would like to negotiate a reduced settlement and make this go away. But at a minimum, I need them to communicate as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is still saying that I have a balance on this account and has still been flagging my account as " Late '' since it was settled by the courts on XX/XX/XXXX. I don't have the full account number, but my XXXX credit report lists the first 12 digits as XXXX. 

Capital One garnished my wages until the account was satisfied on XX/XX/XXXX. The Superior Court of the District of Columbia case number for this matter is XX/XX/XXXX XXXX XXXX. A copy of the court document is attached. 

Also, I've attached the results from my recent XXXX dispute and a printout of what is currently showing on my XXXX report via XXXX XXXX.
Product: Mortgage

My wife and I recently file for chapter XXXX bankruptcy, in an attempt to get a new start for our family. During the process, our mortgage company ; Shellpoint Mortgaging Servicing notified us that we were eligible for a loan modification. The paperwork came and we filled it out as accurate as possible, providing all the required documents that were needed to go forward with the modification approval. Several weeks went by and we finally heard from a representative stating that she was taking on our case, " the original representative is no longer handling our case ''. This particular case worker needed the same documents all over again, in which we complied. Several more weeks go by and she stated she needed additional paperwork, via fax, in which we complied. Once again we get a letter stating that our paperwork was handed to another case worker ; repeating the same thing the other XXXX case worker stated. Once again my wife and I complied. Finally, we received a letter stating that we were denied loan modification and loss mitigation. Please understand this has been several attempts over the past two years or so trying to get remodified, which lead us to other choice but to file for bankruptcy.
Product: Debt collection

I was receiving notifications via text to my cell phone number XXXX regarding my auto loan account. Within the text It states " to opt out reply STOP ''. I replied STOP on XXXX/XXXX/15 and received the reply " You 'll no longer receive account mgmt msgs. I have received text messages on XXXX/XXXX/15, XXXX/XXXX/15,XXXX/XXXX/15 regarding the auto loan account.
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 XXXX XXXX # beg in XXXX, Account name : XXXX XXXX # beg  in XXXX, Account name : XXXX XXXX XXXX  # beg in XXXX, Account name : # 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 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, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Date Opened : XX/XX/2019 Balance : {$0.00}
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 confidentially under 15 USC 1681. 
XXXXXXXX XXXX # XXXX, XXXX # XXXX, AND XXXX # XXXX HAS VIOLATED MY RIGHTS. 
I looked at my EXPERIAN credit report on XX/XX/2024 and noticed some things are incomplete and not accurate, and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information conerning the invdividual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681i ( 5 ) they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( collection agency ) Original creditor ( XXXX XXXX ) I have no business transactions or any type of business relationship, with XXXX XXXX XXXX. I have no business dealings with this company and have never spoke with anyone, form this company. As for the original creditor ( XXXX XXXX ) I am not a member of their gym, I have never joined, the gym and there is no documentation or signed agreement, between my self and the company. This is not my account and it is showing on my credit account, wrongfully and illegally.

XXXX  ( Collection agency ) Has never contacted me regarding, this account and I have never done any business with this company. The original creditor is XXXX XXXX XXXX  and I did visit the office. But, I did have insurance coverage. If there was a co pay due or any additional monies due, that wasn't covered by my insurance, I should have been given a bill, at the time of visit or at the very least, mailed out to me. I have never received any contact or bills forward to me. Therefore I had no knowledge of any outstanding monies. In addition, my insurance company, didn't notify me of me having a co pay of a portion of the bill that had to be covered my me. Therefore this debt is a error and if the debt is my portion of the bill, why wasn't I billed, so that the matter could be taken care of, in a timely fashion. There are guidelines in place, that require a notification period, before the medical debt can be place on the credit report. This was completely overlooked and not followed, as I have never received any notification, via phone, text, email or U.S. Postal service.

XXXX XXXX ( collection agency ) the original creditor is ( XXXX XXXX ) I have never had any contact or transacted any business with XXXX XXXX and the debt with XXXX XXXX, is not my account. I have lived at the same address for years and this cable bill does not belong to me. If some one has taken my personal information and opened a cable account, without my knowledge, I am not accountable for that account. XXXX XXXX   doesn't have any documentation, where I have agreed to service or signed for service.
Product: Checking or savings account

On Monday XX/XX/year>, I deposited a check at the Bank of America Branch ATM for {$4000.00}. I received the transaction receipt which informed me that there is a hold on the check until XX/XX/XXXX because it has been deemed the bank might not receive the funds. 

On Tuesday the next business day the bank failed to release the expedited funds availability even if an account is on hold. Eventually, I called the banks customer service and was informed the Branch Manager has the ability to release funds due to the hardship. 

On Wednesday, I did not receive any funds premised on the expedited funds again. I went to the branch of the deposited check and spoke with the Asst. Branch Manager. 

I explained to her the hold on this check is excessive and for an incorrect bank system error. I showed her the upper portion of the detached check demonstrating the gas and electricity company of XXXX XXXX XXXX is providing this refund check, ultimately, supporting the check should be honored immediately. 

She claimed the bank can not override the hold, which is not true. Simultaneously, the check by standards is to be cleared in 2 days and she made no effort to investigate the matter. 

Finally, even if the check has cleared, the banks system is not going to release my funds until XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. 

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

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). I'm hoping that these disputed accounts get corrected. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$13000.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of unauthorized credit inquiries from my credit reports due to documented instances of data breaches that compromised my personal information. Specifically, my information was compromised in the following incidents : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As a result of these breaches, my personal information, including but not limited to my Social Security number, credit card details, and other sensitive data, has been exposed to unauthorized parties. This has led to fraudulent activities, including unauthorized credit inquiries on my credit reports, which were conducted without my knowledge or consent. 

I have attached documentation from XXXX and XXXX XXXX XXXX  confirming that my data was compromised in these breaches. I believe these unauthorized inquiries have had a negative impact on my credit score, and they should be promptly removed from my credit reports. 

I have contacted the credit bureaus directly regarding this matter, but I have not received a satisfactory resolution. As such, I am escalating this issue to the Consumer Financial Protection Bureau for further investigation and assistance. 

The unauthorized inquiries that I request to be removed are listed below : 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 I appreciate your prompt attention to this matter. Please let me know if you require any additional information or documentation to proceed with the removal of these unauthorized inquiries. 

Thank you for your assistance. 


Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased 4 concert tickets for a XXXX  show scheduled for XX/XX/XXXX from XXXX for {$1000.00}. First I was informed that the concert was postponed due to covid19, then on XXXX XXXX  I received an email from XXXX that the concert was cancelled and I would be receiving a credit worth 120 % of my purchase price for any future show of my choosing.I then called Capitol One Credit Card Customer Service and explained that I had received the email from the vendor and that the credit does not work for me. Capitol One agreed with me and removed the charge from my account within hours. Then on XX/XX/XXXX I received an email from the vendor that the dispute had been resolved in the merchants favor and I would have a 100 % credit of my origional purchase price with the vendor and the charge was returned to my card. I followed up by disputing this with Capitol One who said they understood my position and would file an appeal. I submitted all correspondence with XXXX and a rebuttal stating that I never purchased a credit and it wouldn't work for me and that I wanted a refund. On XX/XX/XXXX I received an email from Capitol One stating that they could not assist me. That because the vendor offered a credit they would accept that as satisfying me despite my verbal and written communication that it does not. I was told XX/XX/XXXX of XXXX, four months after I purchased my tickets that " a new policy '' dictated taht I could only receive a credit. This new policy was based in their words on " due to the completely unfoseen and unprecidented epidemic we are no longer able to offer refunds for events that have been cancelled. '' This new policy could not apply to me as it was not in effect when I made the purchase. Also if by the vendors own words Covid19 was unforseen and unprecedented, it couldn't have been covered in the policy I purchased tickets under. I purchhased 4 concert tickets and never received them. The vendor has no right to keep my money and offer a credit that I don't want. NY is shut down for concerts with no telling when they may be available again. Given that, a credit is useless. Just to be clear, I do not want a credit. I did not receive my purchase, I want my money back.
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 U.S.C. 1681. 
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 

I told Experian, XXXX, and XXXX to reinvestigate these accounts listed above. However they stated everything was complete, and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect. According to 15 U.S.C 1681i ( 5 ), they are supposed to modify accounts that aren't reported correctly.

15U.S.C 1681s-2 ( A ) ( I ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows it has reasonable cause to believe the information is inaccurate.
Product: Checking or savings account

My Wallet Was Stolen From Me At The Mall After Telling Multiple People That Work For TD Bank That I Suffer From A XXXX XXXX And XXXX XXXX XXXX XXXX And I Have To Keep My Private Informations written Down In My Wallet They Still Refuse To Reimburse My Money And Continue To Deny My Claims
Product: Debt collection

USI High Solutions, Inc ke eps harassing my family and myself about a $  XXXX  NON-EXISTANT debt. Calling my family outside of the USA and us in our cell phones and not only feels like harassment but these women are very threatening and they 've try to intimidate us. The debt does n't exist and they need to stop harassing us, specifically calling my husband 's place of work.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Halted Financial Services contacted me about 2 weeks ago stated that they are collecting XXXX worth of debt that I owe dollars from a XXXX XXXX XXXX XXXX. They text messaged me 2 weeks later and I asked him for a debt validation letter from them to verify that I owed them I that amount because I didnt recall owing XXXX XXXX XXXX XXXX that amount. They offered to lower the debt then they told me they were unable to produce a debt validation letter, I told them that they shouldve provided me with one five days after they contacted me about the debt.
Product: Debt collection

Portfolio Recovery called me on XX/XX/XXXX18 at XXXXXXXX XXXX EST and on XX/XX/XXXX18 at XXXX XXXX EST. I've asked them to stop calling me at work. I do not own the phone number and I'm not allowed personal phone calls at work. The told the receptionist is was a business matter and it is not, its personal. I told them to send me what they are talking about in writing. They are trying to collect on a debt that is over 10 years ago.
Product: Vehicle loan or lease

i was unlawfully XXXX XXXX XXXX XXXX  in my state of new Hampshire, which caused me to lose my job, apartment, and car. i was unable to work because of the incident which force me to move out of the state to obtain a job while in the process of getting a new job the car was repossess and i lost all my documents and sports gear with it. and after years of the incident it is still and issue on my credit, making it difficult to obtain other material necessary for the enjoyment of life.
Product: Debt collection

I received these 2 letters for, Chase asking for settlement on accounts that are not mine. 

I am using XXXX XXXX XXXX to settle some debt and they have everything i have except XXXX card, XXXX card and XXXX XXXX  card. Along with my car payment thru XXXX XXXX 

I've talked to my attorney and was instructed to report to you. 
if it was legitimate they would have my attorney 's name and number/ I dont think i have ever done business with chase
Product: Credit card

I booked a one night stay for XX/XX/XXXX at the XXXX XXXX XXXX with Chase Travel and prepaid {$120.00} on XX/XX/year>. I stayed at the hotel, was charged the {$120.00}, and received an additional charge of {$100.00} by the XXXX XXXX XXXX on my statement. When I contacted the property and asked what the fee was for, they said they did not charge me the {$100.00} and have no record of the charge. They told me there is no folio for the stay and they have no record of the charge being made. 

I did not sign, authorize, or give my credit card for the {$100.00} charge. Essentially, I am being double charged for the one night stay and Chase has not been of any help in resolving the issue even after I filed a fraud complaint.