23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I sent a debit valadation letter to General Revenue they continue to try to collect on a debt that is not mine and are ruining my credit on a fraudulent debt. They have yet to validate the debt is accurate and send me proof this is mine. They sent out the notification of debt after they submitted it to the credit bureaus without validating or letting me know I have a debt which is in Violation of my rights as I have submitted proof from the credit bureaus they did exactly that and a dated letter from them after they submitted it to the credit bureaus. I have also attached proof I have no current balance with XXXX XXXX XXXX Nevada ( XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX To Whom It May Concern, I am sending this letter to you in response to a collection notice I received from you on XXXX/XXXX/2020. Be advised, this is not a refusal to pay, but validation is requested. 
I XXXX XXXX dispute this fraudulent account representing a balance of XXXX. 
I do not owe XXXX XXXX  XXXX Nevada as I am in good standing and proper financial aid in place. This is not a valid account under XXXX XXXX. 
I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : Provide a statement which matches the balance being claimed Provide a list of charges that total the amount claim in your original letter Identify the original creditor Please produce all documents relating to the chain of custody authorized by XXXX XXXX XXXX Nevada to collect on the mentioned account. 
If your offices have reported inaccurate information to any of the three major Credit Bureau 's ( XXXX, XXXX  or XXXX  ), said action might constitute fraud. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the XXXX and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. I am filing this FTC Identity Theft Affidavit to report multiple fraudulent inquiries and accounts which I do not recognize as reported and which are the result of identity theft and fraud. Specifically, these fraudulent accounts include : A Inquiry with XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) A Inquiry with XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Equifax )
Product: Debt collection

Hi, from XX/XX/XXXX until XX/XX/XXXX I was XXXX. I have contacted you while XXXX  to let you know that I should have absolutely nothing on my credit reports. My name is XXXX XXXX and my birth date is XX/XX/XXXX. I will like for someone to call me immediately so that I can clear everything off of my record. If anything is in my name it is a result of Identity theft. I can be reached at XXXX. As stated, I wrote, and talked to your company about this issue.
Product: Mortgage

XXXX XXXX  sent me a statement that my mortgage was going from XXXX to XXXX due to my escrow being short XXXX ( my loan payment per the contact is XXXX ) they have already collect that amount and still want XXXX and will not return my payment to normal which is the original letter they sent me stated. They are being unethical and i just want them collect my money and return my payment to normal
Product: Debt collection

Jefferson Capital systems is trying to collect on a XXXX account that was opened in my name using my information with out my consent
Product: Credit card or prepaid card

My Chase Freedom card includes an extended warranty program through XXXX for purchase that are outside of manufacturer warranty coverage. I had purchased a XXXX television from XXXX XXXX XXXX on XX/XX/XXXX using this card. 

Last year, the television set stopped working. As the manufacturer warranty had expired, I registered a warranty claim with XXXX, through their website XXXX. However, they informed me that they require that the unit is taken to an authorized service center and diagnosed prior to paying out on the claim. This is an impossible criteria to meet, because XXXX does not have any authorized service centers in the US. I contacted XXXX directly, and on XX/XX/XXXX sent Chase/XXXX a copy of my written correspondence confirming this. Non-authorized repair centers were likewise also not an option, as all the local repair centers I contacted informed me they will not service XXXX sets. 

After first requesting that I send them a copy of my correspondence with XXXX to resolve the claim, they are again requesting for a diagnostic from an authorized service center. It has been 106 days and counting since I first initiated the claim, and their policy is to automatically close claims after six months. I believe they are stalling for time until the eligibility window closes so they don't have to pay out on the claim.
Product: Credit reporting or other personal consumer reports

Extreme amounts almost XXXX hard inquiries on my credit report that I did not initiate or apply for.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX  I received a call which was the same phone number as Chime ( XXXX XXXX  ) at the time I did not know it was a scammer not a chime employee. They said someone was trying to make unauthorized transactions on my account and I confirmed it was not me. They asked me both my checking and savings account balance. Then stayed we had to do a reversal payment on the {$4500.00} and had me send money instead of money being deposited to my account. When I questioned it he hung up on me and I called back this time it was a real Chime employee and he stated who I just talked to was not an employee and he scammed me.
Product: Checking or savings account

Wells Fargo hold up doing an Claims by investigations and that takes too long. All i want is my money back in my account when i submit a calim -- no more of this computer AI XXXX. No one needs to investigate the claims, they just need to return the money, and not threaten to take 10 business days as they claim. It takes two seconds to return the XXXX money!! 

give me my money back from these claims!!
Product: Credit reporting or other personal consumer reports

A collection account which shows as " XXXX XXXX '' appeared on my credit in XX/XX/2023. I attempted 3 times to contact them with no response. They are falsely reporting to my credit that I opened an account with them in XX/XX/2023 which is " open '' and the original creditor was " XXXX XXXX ''. I moved to XXXX  in XX/XX/2023 and have resided here since. Upon leaving XXXX  I paid all debts in full in term of utility bills, XXXX XXXX  was included. There was no unpaid balance. I did not open any account in XXXX.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, XXXX, XXXX, XXXX XXXX, ) was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX, XXXX, XXXX, XXXX XXXX, ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute fraudulent accounts that have appeared on my credit reports from XXXX, Experian, and XXXX. The accounts in question are associated with XXXX  XXXX and XXXX XXXX, and they were opened without my knowledge or consent. 

XXXX. XXXX XXXX - XX/XX/XXXX - XXXX XXXX. XXXX XXXX - XX/XX/XXXX - XXXX As a victim of identity theft, I am deeply concerned about the impact that these fraudulent accounts will have on my credit score and my ability to obtain credit in the future. I am writing to request that these accounts be deleted from my credit reports immediately, and that any associated negative marks or comments be removed as well.

I have taken all necessary steps to protect myself from identity theft, including notifying the Federal Trade Commission. I have also contacted XXXX  XXXX and XXXX XXXX directly to inform them of the fraudulent accounts and request that they be closed. 

I understand that as a consumer, I have certain rights under the Fair Credit Reporting Act ( FCRA ). These rights include the right to dispute inaccurate or fraudulent information on my credit reports, and the right to have that information corrected or removed. 

I urge you to take swift action to remove these fraudulent accounts from my credit reports, and to take steps to prevent similar incidents from occurring in the future. I have attached copies of relevant documentation to support my claim. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX
Product: Consumer Loan

I believe that I my consumer rights are being violated by Capital One Auto Finance. I refinanced my car with Capital One Auto Finance. At the time I chose the terms that my loan would be for 65 months at {$290.00} per month. I received documentation that this would be the terms of the agreement. 
I received documentation through the mail that the terms were different from what I signed up for. I contacted Capital One 's customer service dept. and explained the situation. The representative assured me that my terms were correct and that it was a mistake on their part. Meanwhile, I continued to make the monthly payments of {$290.00} per month. Capital One started contacting me that I owed additional money. At first I assumed that it was taking them a while to get the mistake corrected, but after being contacted again, I spoke with them and told them that I believed that the amount was in error because of what I signed up for. That is when Capital One decided to tell me that they did n't do it for that amount because the refi amount was different. Capital One never notified me of any of this through the mail. They just continued to show that I owed {$20.00} and even threatened repossession of the vehicle, when I was making monthly payments, that I believed were to be correct. 
Now, I notice that Capital One Auto Finance has reported to the credit bureau that I was over 60 days late on {$20.00}. I find this to be unfair, especially since I was making my monthly payments and was under the assumption that the terms that I signed up for were correct. I would like for Capital One to resolve this matter before legal actions are taken.
Product: Checking or savings account

1. Clients Personal Information : - Full Name - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. Information About the Fraud : - Fraudulent Entity ( ies ) Name ( s )- if any - Company name " Goway '' - Fraudulent Entity ( ies ) Domain ( s ), or simply : scam website- if any - gowayagents.com ( I will attached the screenshot in this email ) - Total Amount Lost and Currency XXXX XXXX XXXX - Payment Method ( s ) ( Wire Transfer / Credit Card / Debit Card / ACH / Cryptocurrency ) - Cryptocurrency ( MetaMask Ethereum ) - Credit/Debit Card ( s ) Type ( XXXX / XXXX / XXXX ) - Debit - Number of Transactions ( the transactions to the scammer or the scammer 's wallet, and NOT from a client 's bank to an intermediary ) - 17+ - Date of First Transaction - XX/XX/XXXX - Date of Last Transaction - XX/XX/XXXX - Financial Institutions Involved - XXXX XXXX ( I have withdraw money from TD and put it to XXXX XXXX and also I have transfer money from XXXX XXXX XXXXXXXX to XXXX XXXX as well ) ========== XXXX XXXX : XXXX {$100.00} XXXX {$100.00} XXXX {$500.00} XXXX {$3600.00} XXXX {$7400.00} XXXX {$80.00} XXXX {$3200.00} XXXX {$2500.00} XXXX {$3000.00} XXXX {$1500.00} XXXX {$7300.00} XXXX {$3500.00} XXXX {$42.00} XXXX {$3500.00} XXXX {$1100.00} XXXX {$7400.00} XXXX {$3400.00} Total : {$48000.00} ================= XXXX transfer from TD to XXXX XXXX {$1000.00} XXXX {$1000.00} XXXX {$1000.00} XXXX {$1000.00} XXXX {$1000.00} XXXX {$1000.00} XXXX {$1000.00} XXXX {$1000.00} XXXX {$1000.00} XXXX {$1000.00} XXXX {$1000.00} Total : {$11000.00} XXXX from XXXX  to XXXX XXXX {$1500.00} XXXX {$600.00} XXXX {$250.00} Total : {$2300.00} =========================== Online Web Transfer from TD to XXXX XX/XX/XXXX {$2500.00} ========================== TD to XXXX XXXX {$1000.00} XXXX {$54.00} XXXX {$150.00} Total : {$1200.00} ======================== Bank transfer XXXX XXXX XXXX cash credit card to XXXX XXXX {$10000.00} ============================= Cash Withdraw from TD XXXX {$2500.00} XXXX {$9000.00} XXXX {$6000.00} XXXX {$4000.00} XXXX {$1000.00} XXXX {$8000.00} XXXX {$8000.00} XXXX {$1000.00} XXXX {$1000.00} Total : {$40000.00} ================================ Cash deposit to XXXX XXXX {$8100.00} XXXX {$1200.00} XXXX {$3900.00} XXXX {$2000.00} XXXX {$3800.00} XXXX {$150.00} XXXX {$900.00} XXXX {$100.00} XXXX {$8000.00} XXXX {$3900.00} XXXX {$3900.00} Total : {$36000.00} ============================ BitCoin ATM XXXX {$5100.00} XXXX {$5500.00} XXXX {$520.00} XXXX {$520.00} Total : {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/2022 your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME XXXX XXXX  ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXXXXXX ACCOUNT # : XXXX**** ACCOUNT NAME : XXXX XXXXXXXX ACCOUNT # XXXX
Product: Checking or savings account

In 2018 I had a bank account with Bank of America there were multiple charges done to my bank account that came over {$1000.00} and the bank refused to give it back to me. They said because I had the bank mobile app I shouldve realized it but at the time I had a large amounts of money being deposited in my account, and then money was going in and out, and my mother had just passed away, and I didnt know how to use the app I was still new to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently requested the credit bureaus verify all data reporting on my credit file. They completed their investigation and stated everything was verified. After a thorough review i fount some accounts to be not mine and requested proof of ownership and proof I owe this debt. these are the accounts listed below XXXX XXXX XXXX XXXXXXXX XXXX XXXX  : XXXX XXXX XXXX XXXX in accordance with the fcra guidelines these creditor have violated my rights under 15 U.S.C 1681 sec 609. States a consumer may request a copy of contract used to validate ownership 15 U.S.C 1681sec 602 A. States I have the right to privacy 15 U.S.C 1681 sec 604 A sec 2. states a consumer reporting agency can not furnish an account without written instruction
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. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 card

My mother, XXXX XXXX. XXXX, is an XXXX XXXX XXXX widow with XXXX XXXX XXXXXXXX. I am her power of attorney and manage her finances and pay her bills. XXXX is still capable of take care of herself, going to her doctor 's appointments and taking care of her home. However, my mother submitted a dispute of charges to her Sam 's Club 's Synchrony Bank which provides private label store cards for retailers. Synchrony has never conducted an investigation on her behalf and has verbally called and threaten to take her to court to sue her over fraudulent claims. We have written them and provided documentation that my mother has never not paid her bills and that Synchrony Bank never acknowledged her claims or request to investigate the fraudulent charges on her card. The threats and letters should stop and a thorough investigation should have been started with documentation back to us so that we can see what happened. I have noted this in my correspondence to Synchrony Bank but they have refused to even acknowledge my letters.
Product: Mortgage

I had a loan to cover XXXX damage from the small business department that was sold to m & t bank .since then it has been a problem.my loan is unsecured with no lien .m & t bank is trying to steal my property by not posting my payments timely, and charges that are illegal.i get two bills from for the same billing cycle.i do not like doing business with them or trust them.this is the second or third complaint to cfpb about this matter.my payment is XXXX dollars a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexisnexis, XXXX, XXXX, are in violation of the FCRA and i can consider their violation an act of identity theft. As a consumer I have a right to privacy Under the FCRA, 15 U.S.C. 1681 ( 4 ) which states, There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to PRIVACY. You have violated my privacy which can be considered identity theft. You do not have a permissible purpose to furnish my consumer report. I did not give you any written instruction to do so. This is also a violation Under the FCRA, 15 U.S.C. 1681b ( a ) ( 2 ) Permissible purposes of reports. They are reporting a dismissed Bankuptcy on my credit report. I am aware that lexisnexis receive information from a third party verification system known as a XXXX XXXX and then sells this information to other collection agencies. The XXXXXXXX XXXX  is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for up to 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order relief.

Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1681 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report
Product: Money transfer, virtual currency, or money service

I CREATED A SUCURED PROMISSORY NOTE LOAN SOMEONE MONEY OF {$60000.00}. So XX/XX/2022 XXXX was when it was sent to USSA FEDERAL SAVING to be monetize to credit to the borrowers account. Which I was informed by a manager they do. So, yesterday I get a ding on my credit account/XXXX XX/XX/XXXX for a Hard Credit inquiry by 2 banks of a down payment for {$60000.00} and the home costing XXXX. So I called the bank and they informed me that have it but it will take another day. So I called this morning XX/XX/XXXX and asked about it. They told me they had lost the copy but on have the cover letter. So, I do have proof of my promissory note be maximized and the name of the two banks the tried to hide it through.