23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I got served with documents threatening to take me to a court or file a judgement against me I have sent letters on XX/XX/XXXX asking for the company to verify that this is my debt and they failed to do so on XX/XX/XXXX they served me with a letter threatening to sue me however have not been able to verify if this is my debt. i never applied for this card nor do they have any type of signature just an e signature I have attached my dl and I authorize the letters I sent on XX/XX/XXXX target card need to be removed as well as the other unauthorized items listed on my report
Product: Checking or savings account

On XX/XX/year>, I noticed six separate transactions from the past 10 days, totaling {$5400.00} in charges I never authorized, on my CitiBank business checking account. 

I promptly reported the fraudulent charges to the bank that day. 

I returned their documentation attesting that these charges were unauthorized on XX/XX/XXXX. In my call with customer service, they confirmed that I could include all six transactions under a single case ID. 

This form, plus the email confirming their receipt of it via fax, are both attached. 

On XX/XX/XXXX, I received a letter from Citi stating that the counterparty responsible for the fraudulent charges never responded to Citi 's requests. Further, they claimed that too much time had now passed, and so there was nothing that Citi could do. 

For the next six months, I went back and forth with the bank. Finally, on XX/XX/XXXX, I received a letter threatening to send my account to collection, as it was overdrawn due to the fraudulent charges.
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CAPITAL ONE XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company continues to enter data provided by XXXX XXXX XXXX after I asked then not to because the US bankruptcy court does not provide information directly to any credit reporting company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 Experian has reported inaccurate information on my credit report. On XX/XX/2018 I requested to remove the account ( XXXX ) from my report due to errors. In which, the account ( XXXX ) was not 100 % accurate. So therefore, the account ( XXXX ) must be DELETED due to inaccurate account balance and account history.
Product: Credit reporting or other personal consumer reports

I recently pulled my experian reports and noticed you are reporting accounts that are incorrectly reported as late or delinquent for XXXX XXXX acct # XXXX I requested that Experian investigate this late payment which has been placed on my credit report causing my credit report to decrease and since then has ruined my reputation. 
Pursuant to 15 U.S. Code 1666b. ( a ) 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.

Pursuant to 15 USC 1692J ( a ) it is unlawful to design, compile and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
Because the account was never 30 days past due, and the fact of the payment history attached showing no missed payment, means the account XXXX XXXX credit card has not been properly verified. Please delete this account XXXX XXXX credit card # XXXX immediately from my credit report, as they are a violation of my rights as a federally protected consumer under title 15 chapter 41 Payments were never late exhibits attached to show payments made and a late payment fee being credited to my account, but was reported to the creditors
Product: Debt collection

I was sent a letter on XX/XX/XXXX ; from XXXX XXXX., A professional XXXX XXXX, XXXX, CA XXXX ; stating I owe : {$6000.00} from TD Bank USA, N.A. ; account # : XXXX XXXX. I will first state ; the last payment made on this account was XX/XX/XXXX, the account was Charged Off on XX/XX/XXXX and closed, this account was removed from all XXXX of the major credit reporting agencies in XX/XX/XXXX, Experian removed it : XX/XX/XXXX. 

XX/XX/XXXX ; the above law office sends past bill notices and also they sent me a " Judgement by Default '' dated XX/XX/XXXX ; in which I NEVER knew about, NO ONE EVER HAD ME SERVED, AND THIS IS THE FIRST I HAVE SEEN OF THIS court document. Case # : XXXX. 

I would like to know, how can Target get a judgement on me in XX/XX/XXXX, after they Charged Off this account, and AGAIN, this account was removed from my credit reports in XX/XX/XXXX and in XX/XX/XXXX. 

I responded to their first letter on : XX/XX/XXXX ; stating the 7-year diary has came and gone in XX/XX/XXXX ; the account has been removed from my credit reports, and trying to collect on an account after the 7-year diary is protecting me, this is not legal and I would like them to close the account from their files. 

This is when they followed up with their letter on : XX/XX/XXXX ; showing a default judgement for XX/XX/XXXX ; in which again, I was NEVER notified of being " sued for a judgement '' and I was NEVER notified of a court date. 

What I do know is, Target charged off this account. XXXX removed this account in XX/XX/XXXX. XXXX and XXXX removed it in XX/XX/XXXX 

XXXX Credit report dated on : XX/XX/XXXX is stating and showing ; Target " Charged Off '' and " Closed '' this account on : XX/XX/XXXX. Getting a Judgement on me in XX/XX/XXXX ; 2 years later and now a Law firm is contacting me to collect a debit, that is over 7 years old, this is illegal. 

Please help me with this matter. I do not have a scanner to scan my documents, but I can fax this to you if you provide me with a fax number.
Product: Debt collection

To whom it may concern, I am writing to delete the following information in my file : SOUTHWEST CREDIT SYSTE XXXX It shows that this account was opened in 2020. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates.
Product: Checking or savings account

XXXX-XXXX-18 won't let me connect my account to my card
Product: Money transfer, virtual currency, or money service

Transaction of {$8000.00} was made to my account today. Shortly after, my account was deleted with no reason at all. My phone and email were unlinked and I was forced to create a new account. This was through CashApp company. They deleted my card as well. I had {$50.00} on the account already. I contacted the company & they have no explanation as to why my account was closed. But the money was approved before it was deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX a collections account appeared on my credit report. I did not know who this was r what it was for. The name listed was Contract Callers Inc. ( CCI ) I looked them up and called them on the phone. They informed me that the Original Creditor was XXXX. They said that the bill was from 2013 but could not tell me what the phone number was attached to the bill. I then explained to them that I have been a XXXX customer in good standing for over 15 years and that my monthly payments are automatically deducted from my bank account, and that this wasnt my bill. 

I questioned them as to how they could put this on my credit report without ever sending me a bill. They couldnt answer that question. The person I spoke said that they would send me out a form to dispute the bill. On XX/XX/XXXX I received a letter from CCI with a form included to file a fraud complainant with XXXX. I had never once said that fraud had been committed. I then took this information and went to XXXX and had them look up the account in question. They informed me that there was no record of the account other than that it was turned over to CCI. XXXX informed me that CCI had all of the documentation associated with the account in question. 
When I spoke with a representative at CCI they informed me that they had nothing either, just that they had bought the debt from somewhere. Since I got nowhere with CCI or XXXX I filed a dispute through all three credit reporting agencies. They all came back that the account was valid. 

I have never received anything from this company ( CCI ) no bills no statements nothing. I am at a loss as to how a company can put something on your credit report without validating the debt, even when I spoke with them on the phone they had nothing to establish that the debt was mine. I had a credit score of over 750 before they added this account, by adding this they dropped my score by 85 points which was very damaging to my credit. I am not sure how they can do that. 

I am hoping that by reaching out for help I can get this taken care of.
Product: Credit card or prepaid card

I recently cancelled my XXXX Chase credit cards due to fraudulent charges by XXXX XXXX XXXX on my Chase account. These cards are issued by Chase. Once I received my replacement cards from Chase I activated the cards and put them away. I later went into my Chase account to make a payment and notice a XXXX charge on my NEW Chase ( CARD # ) for a XXXX XXXX membership that stated it would be a recurring charge. So I called Chase on XX/XX/2022 to report the fraud and was told by customer service that they would have to cancel the card again and send me a new card. This happened to me more that once and I couldn't figure out why. But now I know why and here is where the scam comes in. When I told customer service at Chase about the fraud she told me to contact XXXX to have them take my card information of my XXXX XXXX account because it must have been saved from an order. Well the problem is, I didn't order ANYTHING WITH THE NEW CHASE CARD! So, how could XXXX get the new card number information? They are in cohoots with XXXX frauding customers by charging for things we didn't order. I NEVER ordered a Prime membership ( I'll explain that later* ). I have saved paper trails in case you need them or to see clearly what I'm talking about. I have informed the Chase customer service rep on that XXXX XXXX phone call to cancel my credit cards with Chase immediately that day. Also, I told her to reverse those charges for XXXX XXXX Membership. Another reason how I know it's fraud is because when I had this same problem last year, I informed Chase and XXXX XXXX ( explaing the above* ) that I already had XXXX XXXX as a perk for having a phone account through XXXX XXXX. Yes, XXXX XXXX gives me as a customer XXXX XXXX free included in my Phone service deals. Therefore, I didn't catch the scheme last year but I caught it this year because I hadn't used my NEW Chase credit to order anything through XXXX or anyone else. Yet I see my ( NEW ) credit card information on my XXXX XXXX account. 

On XXXX XXXX I contacted Chase about another fraudulent charge from XXXX on my account. The first fraud charge was for a XXXX XXXX video order in XX/XX/2022. And on XX/XX/2022 for a XXXX XXXX recurring membership charge. When the Chase Customer service representative told me that the charge probably came from me ordering something from XXXX, I knew something was wrong because, I not long ago received the cards and hadn't use the with anyone yet, XXXX already had charged something on my Chase credit card. There paper proof to show all that I am reporting that I saved in case Chase tries to delete them. Therefore, Chase and XXXX are doing some fraudulent business together. 

This is NOT the first time this has happened either. Tired of these games.
Product: Mortgage

On or about XX/XX/XXXX I submitted a complaint to this agency as well as inquired to my mortgage servicer SPS as to why they filed paperwork to start foreclosure procedures and added that to my mortgage balance on XX/XX/XXXX even though they had given me a letter stating I had until XX/XX/XXXX to make a payment. I also submitted a QRW to them in XXXX inquiring as to why they were sending my payment of {$410.00} back, but did not send my {$4000.00} plus of payment I made all of XXXX even in a forbearance period and during a pandemic. I have yet to receive a response from them regarding either matter. My attorney has attempted to reach out to them with no response as well. We have started bankruptcy procedures. I am a single mother of 3 children and will be homeless. Even though I have been making payments and those payments were accepted and applied even during a nationwide pandemic in which I was impacted. I was impacted during COVID-19 and have attempted to reach out to them. They have yet to respond in writing. When my " relationship manager '' called me I asked her to respond in writing she hung up on me. I have that recording of that call as well and can provide it in a court of law if needed. 

I have also asked them who was the owner of my loan and they insist it is XXXX XXXX, but when asking XXXX XXXX, they say they are not. When I inquire about the mortgage assignment that is attached to my note of a handwritten document that finally attached after they attempt two times before to foreclose without an assignment. They have yet to provide an answer. The notary and the " manager '' who signed that assignment has given testimony and willing to testify in court about that document. The " manager '' says she was never a manager with the company of XXXX who was the original owner of my mortgage. That company went out of business in XXXX but the assignment was filed in XXXX with the XXXX XXXX XXXX XXXX XXXX in XXXX after the company had already closed. And after the date of the proposed assignment. 

I also sent SPS a letter stating that another company sent me a letter saying they had bought my mortgage and I made payments to them. I am not sure if that is accurate as I can not reach them and I am out that money. 

SPS and their parent company XXXX XXXX have been preying on borrowers and the American people for years. Court filing after court filing even with the the Department of Justice can prove that. 

They are not honoring a forbearance and relief period granted by the United States government.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$230000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$230000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$230000.00} This follow-up is to make sure that the listed accounts are validated.
Product: Student loan

I received notice from my credit monitoring about my loans. Upon review the changes in the loan amounts I found several of the loans were increased approximately double from the original amount ; all but the most recent and these aren't accurate either. I have saved documents from Navient for each loan, a saved accounting document from the University confirming the loan dates and amounts, and I also have saved pictures showing the changes in my credit report from my credit monitoring service. 

This is completely unprofessional and deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

there's an account reporting on my consumer report with the amount of {$1600.00}. 
Date open XX/XX/XXXX. XXXX reported XX/XX/XXXX. This notice is to inform you that the buraus unlawfully reported an unauthorized account in my consumer report. Under the consumer law 15U.S.C 1681 ( b )
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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

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 has violated my rights.

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

a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party
Product: Vehicle loan or lease

Navy federal credit union has violated mutiple consumer rights and created a deceptive form to confuse consumers and undermine the laws put in place to protect consumers. 

FACT : On XX/XX/2022 I, XXXX XXXX initiated a consumer credit transaction with NAVY FEDERAL CREDIT UNION ( NFCU ) when I completed the credit application and gave NFCU my credit card and allowed them to extend me credit. 

FACT : On XX/XX/2022 NFCU defined the term amount financed as The amount of credit provided to you on your behalf which is not same definition used in the The Truth In Lending Act nor does it have the same meaning and it also implies that the credit I received was given/loaned to me by NFCU and not extended. *reference [ EXHIBIT A ] FACT : On XX/XX/2022 NAVY FEDERAL CREDIT UNION XXXX NFCU ) failed to disclose to me my right to request a written itemization of the amount financed in conjunction with the disclosure of the amount financed. *reference [ EXHIBIT A ] FACT : On XX/XX/2022 NFCU failed to disclose to me a statement indicating whether or not I'm entitled to a rebate of any finance charge upon refinancing or prepayment in full pursuant to acceleration. *reference [ EXHIBIT A ] FACT : On XX/XX/2022 NFCU defined the term total of payments as The amount you will have paid after you have made all payments as scheduled. Which is not the definition specified in The Truth In Lending Act nor does it have the same meaning. *reference [ EXHIBIT A ] FACT : I never borrowed nor was leant anything from NFCU FACT : NAVY FEDERAL CREDIT UNION has committed multiple violations of The Truth In Lending Act and created a deceptive form to undermine the federal laws put in place to protect consumers from abusive practices as such and to inform consumers of the actual cost of credit. *reference [ EXHIBIT A ] I, XXXX XXXX XXXX that all of the information provided herein, under the penalty of perjury that the information I so affirm to be true and accurate to the best of my ability and knowledge, so be it.
Product: Debt collection

Didn't delete inaccurate information or validate inaccurate information on my credit
Product: Vehicle loan or lease

United Acceptance  is reporting this vehicle, which was a voluntary repossession, wrong.     They are showing a Balance of {$9200.00} and a  Past Due  of {$13000.00}. This makes no sense. We should owe the balance of what they sold the car for minus what we owed on it.   If we owed {$9200.00} then the past due MUST be less than {$9200.00}.   This makes no sense. Please have it report correctly
Product: Credit reporting

US DEPARTMENT OF EDUCATION # XXXX is NOT a collection item and has NEVER been late. I have disputed this information over and over again with Equifax for them to delete the account or remove the false status codes that make this account inaccurately past due. i have contacted the US department of Education and i have been informed that they have alerted Equifax XXXX that this account should not be a derogatory item, it should not be reported as a collection and it should not be reported as having ever been late. They refuse to change or verify the information and i have repeatedly requested that they send me proof of an investigation and they refuse to send me any proof and or any verification as to their reasons for reporting it this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the company to do what fair and equitable to me as a consumer by deleting the items identified as Identity Theft from my consumer report.
Product: Checking or savings account

Bmo Debit card claims department. 

On XX/XX/2024 I called customer service to open a merchant dispute for these transactions {$50000.00} - {$51000.00} - {$51000.00} for merchandize not received. 
Cases ID : XXXX / XXXX / XXXX After the claim was opened the bank requested more information about the case and supportive documents. I sent them on XX/XX/2024 to the fax provided on the letter. 
The claim was denied saying that I authorized the transactions, on XX/XX/2024 I reopened the case by email to have a second review and proceed with merchandize not received. 
On XX/XX/2024 I was able to speak with the merchant and they proceed with the refund of the purchases because they didnt have it on stock and they couldnt request more items to the factory. 
Attached goes the refund receipt, but the credit is no on my account, I tried again to reach them to ask about the refund and nobody answers. 
Please take note of this new evidence to support the case that is under second review. 
Regards
Product: Debt collection

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

XXXX. XXXX XXXX XXXX Account Number : XXXX Bal : {$250.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Bal : {$820.00}