23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

HAPPY SUNDAY MGR ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Consumer Loan

Good Morning, I bought a car in XX/XX/XXXX through a car dealership. My vehicle loan ended up going through the Santander Consumer USA XXXX. Although I never received any type of car note or statements in the mail from this provider ( ever ) I paid {$400.00} dollars every month to the company through XXXX. The initial loan for my car was {$17000.00} dollars roughly, which is why I insisted on paying {$400.00} dollars every month. In XX/XX/XXXX, I began to look for a home and once my credit report was pulled, it showed that I still owed this corporation {$10000.00} dollars. I did the calculations of what I had paid on the car so far and found that I had already paid this company {$20000.00} dollars so not only had I paid for my car in full, I had actually been overpaying them. My car ended up being totaled sometime in the earlier dates of XX/XX/XXXX, and once I began to having to deal with my insurance company, they informed me that the Santander company was now stating that I owed a total of {$11000.00} dollars and that any amount of money that I would receive for my car would go directly to this consumer financial group. I took it upon myself to call the Santander consumer USA company who went from {$10000.00} one day, down to {$9000.00} the next day, and {$2000.00} by the time that we got to Friday. I still refuse to pay this amount because I feel as though they are blatantly cheating me out of even more money that I do n't have. Upon further investigation by myself, I found out that the Santander company was already being investigated federally. 

Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies have appeared on my credit report without me having filed for them. 
XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C.

1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported to TransUnion on two different occasions the last being XX/XX/2023 that XXXX XXXX is reporting to my report twice with the same account. Trans Union has done nothing and continues to tell me that it is verified. There is no way for this account to be verified if it is the same account reporting twice.
Product: Vehicle loan or lease

Predatory lending. 34 states have sued them and they recently failed an Oklahoma audit.
Product: Consumer Loan

To my surprise I received a collections letter in the mail dated XXXX XXXX, XXXX indicating that my account was past due. My records indicate my last auto loan payment with Capital One was on XXXX XXXX. Account due date is the XXXX of every month. I did not understand why I did not make the XXXX payment. I thought it was my oversight. I called Capital One on XXXX XXXX to become current and made the XXXX and XXXX payments {$310.00} for each month for a total of {$630.00}. I asked the customer service agent to check if I was getting paperless statements and she said yes. I was shocked because I do n't go paperless for this exact reason- I forget when the bills are due. She indicated " I '' switched to paperless on XXXX XXXX, XXXX. I told her I did not because the last time I went to pay was on XX/XX/XXXX. I only access my account once a month. I asked her to change my preferences to mail. I decided to check my e-mail and was surprised to find an unread XXXX XXXX e-mail from Capital One with the following headline : " Auto Finance statements are migrating to online only. '' It states, " we 're on a mission to deliver the best digital solutions for managing your finance account. As part of this journey, we 're moving to paperless-only statements for your account starting XXXX XXXX, XXXX. It explains how paperless statements work and then states " If you 'd like to continue to receive your auto finance statements in the mail, you can manage your statement preferences at any time. '' It provides a link. Well, Capital One changed my statement preferences without my consent and thought that e-mail notification was sufficient. Do n't you have to opt-in to go paperless? Did they forget my rights under the E-Sign Act? I never consented to the change and now my account is past due and probably being reported to the credit bureaus as delinquent. I can only imagine how this change has impacted thousands of other consumers who rely on their paper statement to make timely payments and Cap One is benefiting from the late fee revenue. I am writing to the CFPB to determine if Cap One has violated my rights under the E-Sign Act and if they have not to question the impact of this business practice because it is definitely not consumer friendly. Some consumers like paperless and some of us do not but it should be my decision not the bank. I 've been a customer since XX/XX/XXXX and always had my statements mailed per my choice and now they are going to remove that choice and the tell me if I want to go back to paper just change my preferences. Is this ridiculous or what. I am angry and amazed that management at Capital One would approve this change.
Product: Payday loan, title loan, personal loan, or advance loan

My name is XXXX. I took out a payday loan last year to get me caught up on some bills that I was behind on in the process. I ended up losing my job and I went to jail. I was incarcerated, and when I got outs I received a call from some private investigator, telling me the companies planning to move forward to press charges And I told him that I was homeless I recently been evicted from my home Im not working and I wouldnt be able to make a payment. They were trying to make me give them XXXX within 24 hours to XXXX I already dont have to my name Ive been being harassed Ive been being threatened that they will take me to court etc.
Product: Credit card or prepaid card

We used the third party company XXXX in XXXX to book our vacation package in the amount of {$2600.00}. On XX/XX/XXXX I was notified by the company via email that the company without our knowledge or even a warning cancelled our vacation. These services were not rendered. XXXX  closed their company and website completely, stated they were not completing any refunds and we would have to take the issue up with our bank to recieve money back. This company completely closed without providing prepaid services. I have all documents showing my vacation was cancelled, I did not receive refund, I did not recieve any services that I had paid for. After two failed attempts to dispute with my bank i am frustrated. This is a completely accurate dispute and is very cut and dry and they have offered no assistance
Product: Debt collection

XXXX XXXX sent my information to a Debt Collector claiming that I defaulted on a lease for {$1500.00}. On X/XX/17 I called both the debt collector and XXXX XXXX and got no response and no return phone call. I have never leased anything with XXXX. I have never even heard of this company until today. After doing some research I found that they do leasing for XXXX and XXXX, neither of which have I ever leased anything through. I decided I should file a complaint as it seems that I 'm not the first person to have this happen.
Product: Debt collection

To Whom It May Concern, I am writing to formally request an investigation into an issue with my credit report. Upon reviewing my report, I noticed the following information is inaccurate/incomplete/unfamiliar. Please see the details below : { 1 } Account/Item Name : XXXX XXXX XXXX XXXX : XXXX  ) Account Number : XXXX Issue : I am not liable for this debt with Portfolio Recovery. I do not have a contract with Portfolio Recovery. They did not provide me with the original contract as I requested. I would like to request a validation claim. 

I want Portfolio Recovery to send me a full, detailed list of the payment history on this account. 
I want to see the original signature that I agreed to on the contract for this creditor. 

Has there been any insurance claim found on this debt? 

I want to see the chain of titles that they have to collect on this debt. 


{ XXXX } Account/Item Name : XXXX XXXX  XXXX XXXX ) Account Number : XXXX Issue : I am not liable for this debt with Portfolio Recovery. I do not have a contract with Portfolio Recovery. They did not provide me with the original contract as I requested. I would like to request a validation claim. 

I want Portfolio Recovery to send me a full, detailed list of the payment history on this account. 
I want to see the original signature that I agreed to on the contract for this creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never authorized Onemain to inquire about my credit history, they have a hard inquiry on my report that i want removed because i never authorized them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$450.00} ; XXXX XXXX XXXX  XXXXBalance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$660.00} ; XXXX XXXX XXXX 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

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$100.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$900.00} ; XXXX XXXX XXXX XXXX  Original Creditor : XXXX ) XXXX Balance XXXX {$1200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$3000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00} ; 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 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: Mortgage

In XX/XX/XXXX, XXXX XXXX XXXX sold my mortgage to Carrington. I was unaware this had happened until the end of XXXX and did not receive contact information from the new loan servicer, Carrington until the end of XX/XX/XXXX. They would not let me pay via online, by phone via automated pay, or set up a draft. I mailed in payments via check for XX/XX/XXXX and XX/XX/XXXX, which cleared. The payment I mailed in for XX/XX/XXXX never cleared and yesterday they returned my XX/XX/XXXX check for payment with a generic letter refusing to accept it until I pay the full amount required but did not state in the letter what the amount is. My monthly mortgage payment is {$1300.00}. For XX/XX/XXXX and XX/XX/XXXX, I paid {$1400.00} each month. For XX/XX/XXXX, I tried to pay {$1400.00}. I have tried to contact them via " online chat, '' via email and also via telephone. I tried to pay by phone and the automated system and they will not allow me to, nor does my online account allow me to pay online. I also attempted to set up auto-pay from my checking account and it will not go through.
Product: Credit reporting or other personal consumer reports

Good Evening, My Name is XXXX XXXX XXXX I am contacting you to inform you that I am a victim of multiple data breaches from Equifax, A Hospital, the dark web, etc therefore, I would need all of the accounts on my credit report that have been exposed, compromised, and/ or illegally opened to be blocked and permanently deleted pursuant to 15 USC 1681c-2 ( a ) within 4 Business Days.
Product: Mortgage

Called the company multiple times since a payment was made from my end twice to my account. 

The company is Movement Mortgage I have asked for a refund multiple times for the amount of XXXX The company keeps diverting me to multiple people with no response Loan number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting an early exclusion or deletion of XXXX XXXXXXXX XXXX account from my credit report. On my Equifax credit report it is saying that the account is XXXX  years, XXXX  months and XXXX days old. Meaning that the account will fall off my credit report in XXXX  month and XXXX days. Equifax has a policy by which one can request an early exclusion or deletion of an account from a credit report if the account is within 1 to 2 months of falling off the credit report. This XXXX  XXXX XXXX account falls within such a category and I am therefore requesting an early exclusion or deletion of XXXX XXXXXXXX XXXX from my credit report.
Product: Student loan

I filed for bankruptcy in 2016 and my student loans were listed on the court documents. However they were not removed and I still owe on them.
Product: Checking or savings account

I have an account open with Chase Bank that they will not give me access to. I just received a mailing against that I have an account open and every time I speak with them they negate me completely and act like they have nothing in their back offices to show me. I have included two photos of my recent mailing from Chase Bank about my open bank account. After that I included many photographs of buildings with my last name 's symbolism of circle/s uplifted on them. The Circle/s uplifted are XXXX 's. Each building uses my life expectancy to make money come in for themselves. I have never been paid for the use of my protected identity which is XXXX. Please help me finally. I am XXXX and I am upset this is political and religious persecution too.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One credit card paid as agree since XX/XX/XXXX it is on XXXX as charge off this account was deleted from other credit bureaus companies XXXX and XXXX. It has been almost 2, years fighting to get this now with this pandemic I have to suppor my family I am a small business owner i have an exceptional payment history on my credit and due to this issue I haven't got a small business loan by my XXXX XXXX because this charge off shows on my credit report by XXXX this is the credit bureau this bank use. Please this capital one credit card was open XX/XX/XXXX it has been 9 years already I am struggling with this issue. I paid this credit card and close the account. I demand this account to be deleted from XXXX credit reporting agency I demand capital one to authorized this.
Product: Checking or savings account

In XXXX, I tried to open a credit card with my bank ( Bank of the West ). I had no credit history, so they suggested I take out a loan ( that I did not need ), and pay it back to build credit. They would n't give me the loan either, without me putting the full amount of the loan in a CD to use as collateral. I saw this as a way to pay money to the bank to build credit, and reluctantly agreed. 

This year ( XXXX XXXX, after the full term of the loan and the CD, I tried to close the CD, only to find that it had been automatically renewed and I would n't be able to withdraw the money until XXXX, unless I paid an {$80.00} fee. The manager explained to me that a letter had been mailed and that after the letter was sent out, I had 15 days to physically come into the bank and close the account. I have a couple major issues with the way this transaction occured : 1 ) It was not clearly communicated to me in XXXX that the XXXX would automatically renew, and even if it was, this is an absurd practice. Clearly, as the CD was only used as collateral for a loan and generated essentially zero interest, I would not want to renew the CD.

2 ) I was not able to use online banking to close the CD, and the reminder was sent to an old address. Although I had updated my addresses for my checking account and credit card, the reminder was sent to the old address, guaranteeing that I would not see it within the 15 day time period. There was also no email or electronic communication. If I had been able to close the CD online, this might have been avoided.

3 ) The manager at the local branch told me that I " need to take responsibility for my accounts '' even after she said people in my situation came in " all the time '' wanting to close their CDs that had been automatically renewed. If this is happening " all the time, '' maybe it is time to change the practice.
Product: Credit card

In XXXX we purchased online a toilet seat with installation that was on sale from XXXX XXXX pa. On XX/XX/XXXX we paid XXXX. On XX/XX/year> the statement showed a negative balance of {$4.00}. 
On XX/XX/year> the balance shows a purchase of XXXX which we never did. 
We never made any purchase after XX/XX/XXXX. XXXX. 
They are harassing me with calls and daily emails. 
They are not trying to settle, but instead adding late fees and interest to a balance which has ballooned from XXXX XXXXXXXX  to {$510.00}. 
I am a XXXX  citizen and refuse to submit to harassment, blackmail and false billing. 
This has caused undue hardship and caused my very good credit score to plummet. 
I have multiple serious health problems and am on XXXX  and XXXX XXXX. 
We will appreciate your help in resolving this matter.
Product: Credit reporting or other personal consumer reports

TransUnion credit report company has companies disputed letters attached .l been waiting since XX/XX/2024 to remove, my credit specialist has requested TransUnion to remove these companies which has constantly stay lbein deputed l request .information from theses companies which was unable to provide information .credit specialist my company .called XXXX repair company. XXXXXXXX XXXX firm CFPB also l request them to please remove these companies now it days passed 90 days tranunion credit is the only company have these companies on my credit report and tranunion haven't done complete investigations like XXXX, XXXX companies
Product: Credit reporting or other personal consumer reports

I have notice there was an unauthorized account reported on my consumer report. I have reach out to XXXX and also reached out to XXXX Experian and XXXX about my concerns about the following account which is XXXX  account ending XXXX Your agency has furnished this account that is Identity theft after I have contacted your agency about this matter according to FCRA I am entitled to monetary compensation 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been over 30 days and you are in VIOLATION of this law because I am a victim of identity theft Please delete these items IMMEDIATELY.