23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to file a complaint against Debt Collector ( Outsource Receivables Management ) and Merchant ( XXXXXXXX XXXX XXXX  ) for making false statements and representations because ( 1 ) I do not owe Merchant anything, and ( 2 ) the amount the Debt Collector claims I owe does not align with Merchants false claims. 

MERCHANT : Merchant is a licensee of XXXX car rental company. As further discussed in Attachment A, I rented a car and prepaid for the vehicle in full through XXXX. When I picked up the vehicle, I initialed the contract twice to acknowledge that I declined the fuel purchase option ( Attachment A, Exhibit 3 [ Merchants copy of the contract ] and Exhibit 4 [ the copy of the contract that Merchant provided me ] ). Also, at the time of pick-up, the contract provided to me stated the return time for the vehicle was XX/XX/XXXX, at XXXX XXXX. ( Id. ) In reliance on the contract 's terms, I returned the vehicle with a full tank of gas an hour earlier than it was due, on XX/XX/XXXX, at XXXX XXXX  ( Attachment A, Exhibit 5 [ return receipt showing I returned the vehicle with a full tank of fuel on XX/XX/XXXX, at XXXX XXXX  ] ). Therefore, I avoided additional charges beyond what I had already prepaid for the vehicle. 

However, on the return receipt, Merchant falsely claimed and charged my credit card for the fuel purchase option and an additional hour.

I attempted to contact Merchant to resolve the dispute. ( Attachment A, Exhibits 6-8 [ call logs and emails of my attempts to contact Merchant ] ). Merchant refused to look at the contract and yelled at me over the phone. ( Attachment A at pp. 5-7. ) XXXXXXXX XXXX XXXX  DISPUTE : Because the Merchant was uncooperative and yelled at me, I sought relief by disputing the charge through my credit card company. Attachment A is the letter and exhibits I sent XXXX to support my dispute. 

On XX/XX/XXXX, XXXX notified me that they had resolved the dispute in my favor and gave me permanent credit for the erroneous Merchant charge. ( Attachment B. ) DEBT COLLECTOR : On XX/XX/XXXX, I received the letter in Attachment C. The letter falsely claims that payment on [ my ] account is overdue to Merchant for {$100.00}.

As described above, I do not owe Merchant. Moreover, the amount Merchant erroneously charged me was {$74.00} ; now Debt Collector falsely claims I owe 140 % more. 

RELIEF REQUESTED : Merchant and Debt Collector need to immediately cease and desist making false claims and representations because I do not owe Merchant anything.
Product: Mortgage

the servicer for my mortgage Nationstar Mortgage has given XXXX to Service instructions to commence with a sale date of XXXX/XXXX/2015 without my knowledge, my knowledge while I am in the Modification process, this is totally illegal. nationstar has been a " nightmare " to work with. they have been giving me the run-a-round for months, with the same XXXX for months. I get phone calls once in awhile, which I respond to but they do n't leave a message often, I happen to check my calls. 
alls. It 's the same story, they did n't receive certain info, could n't read some forms, different Reps working on my packet and never calling you back until they feel like it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$5400.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

Debt fully paid XX/XX/year> Debt sent to another debt collector Halsted Reached out to confirm debt did not exist, fully paid and would not negatively impact my credit report Asked for written/email confirmation and was told could not provide Halsted had been sending me texts/emails about debt ( can provide screenshots ) XXXX, we see XXXXou checked out our offers for your XXXX ( XXXX XXXX ) account. 

Remember to finish setting up your payment plan at XXXX.halstedfinancialXXXX 

This text is from Halsted Financial, a debt collector Texts provide Halsted info : California License Number : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I informed Bull City that I do not have a consumer relationship with this company and the company is furnishing my private information without my consent. BullCity was also asked to verify this alleged debt. I informed Bull City of the many violations via certified mail on XX/XX/2022. Bullcity has failed to comply with the laws of the FCRA. Bull City failed to cease collection attempts during the investigation nor has Bull City provided me with any investigation results.
Product: Debt collection

I have never done with this debt collector, nor do I owe them any balance. I have never been in agreement to work with them. I have requested for this debt to be validated multiple times. When I submit a request, the company retaliates by adding derogatory comments or marks on my credit bringing my score down lower. They have even deducted {$1.00} from the balance. There are various inaccuracies regarding dates across all XXXX bureaus. I am requesting evidence in the form of a signed agreement with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I mailed United auto acceptance a cease and desist, affidavit of response and notifide bill of particulars and they received them on XXXX XXXX according to tracking number XXXX. I demanded United auto acceptance to clear out my debt to XXXX XXXX to the XXXX, and Return my down payment of {$5000.00}. I gave them 30 days to respond to my cease and desist and to pay in full and have not received a response.

31 U.S. Code 3123 - Payment of obligations and interest on the public debt
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my credit. XXXX  Account #, has violated my rights. 

The credit bureaus stated my account was properly investigation but how is that possible if the status update is different each bureaus, all 3 bureaus payment history is inaccurate, and past due amount last reported is are all different and not correct its showing different account types on all 3 bureaus swell which This is ground for removal they also violated my rights under, 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 ALL NEGATIVE ACCOUNTS LISTED BELOW : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

XXXX XXXX, ss # XXXX Chime account number XXXX Credit builder, savings and checking Phone number XXXX Address XXXX XXXX XXXX XXXX, AL. XXXX XXXX On XX/XX/year>, I ordered a case of XXXX XXXX XXXX XXXX  for {$140.00} from XXXX XXXX XXXX in XXXX, Al online and I received a cancelation email for order # XXXX from them XXXX hours and that my funds would be returned back to my card ending numbers # XXXX which is my credit builder credit card with Chime Financial. 

XX/XX/XXXX I received a notification from Chime with Update on your pending charge : {$140.00} pending charge for XXXX has been removed and added back to your balance. Original transaction XX/XX/XXXX at XXXX - {$140.00}, XXXX removed XX/XX/XXXX at XXXX + {$140.00}. But the transaction was not completed by XXXXXXXX XXXX XXXX  yet and the funds not refunded to my account because it would take up to 5 to 7 days. I have a screenshot of that notification from Chime. 

The refund was completed on XX/XX/XXXX and I have a screenshot {$140.00} samsclub.com Pending transaction removed : This transaction originally appeared on your account as pending. The amount has been added back to your balance. It's XX/XX/XXXX, and I am still waiting for the {$140.00} to be added back to my account. I've reached out to Chime and XXXX XXXX several times concerning this matter with no resolution. Tuesday XX/XX/XXXX someone from and Chime and XXXX XXXX were supposed to call me but that has yet to happen with this matter. 

I am XXXX XXXX from the XXXX and receive service-connected XXXX benefits from the VA once a month, so I don't have money for someone to take from me in any matter. Please get in contact with me concerning this matter at XXXX and my email address is XXXX. Thank you so much for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX the Account with the US Department Of Education, OPE ID XXXX XXXXXXXX, has violated my rights. 

15U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my XXXX & XXXX  credit reports and found CONSUMER PORTFOLIO SERVICES had pulled my credit without authorization on XX/XX/2018. I sent them a letter to remove the unauthorized inquiry and they have not responded so I am filing a complaint.
Product: Debt collection

On XX/XX/XXXX, I sent American Honda Finance Corporation d/b/a Honda Financial Services ( HFS ) a Validation of Debt letter and a Cease and Desist pursuant to 15 U.S. Code 1692c. HFS is in receipt of these documents as verified by XXXX return receipt as well as confirmation from XXXX in the Post Recovery Department. 15 U.S. Code 1692c ( b ) says a debt collector such as HFS can not contacting third party regarding myself, the consumer, or any of my private information. On XX/XX/XXXX, HFS contacted third party XXXX, gave them my private consumer information without my consent, and ordered them to illegally repossess my property. XXXX then contacted a fourth party XXXX XXXX XXXX XXXXXXXX and gave my private consumer information without my consent to them as well. XXXX XXXX XXXX XXXX  damaged my driveway in their process of stealing my property. HFS never sent proper legal notice of their intention to take such action of stealing my property. The illegal repossession of my property is an individual act against 15 U.S. Code 1692e ( 4 ). XXXX in the Post Recovery Department told me in order to get my property I would need to pay the alleged debt or my property would be sold at auction. This is an individual act against 15 U.S. Code 1692d ( 4 ). On XX/XX/XXXX, I sent HFS a Notice of Billing Error regarding errors found in the the Federal Truth in Lending disclosures section of the contractual agreement pursuant to 12 CFR 1026.13 ; 15 U.S. Code 1666 ; and 15 U.S. Code 1693f. HFS is in receipt of this Notice as verified by XXXX signed return receipt. HFS has ignored this Notice and ignored its obligations to provide the documentary evidence described in the notice. Pursuant to 12 CFR 1026.13 ( d ), HFS can not collect any disputed amount or accelerate payment without resolving the billing errors HFS has been notified of. HFS says they have a lien on the property through the contractual agreement that I have disputed on XX/XX/XXXX due too several errors found on the contract, gave a third AND fourth party, who were not involved in the original credit transaction, access to my personal consumer information without my consent. HFS has illegally repossessed my property without lawful notice of their intent to take such action. Again, this action is an individual act against 15 U.S.Code 1692e ( 4 ) and is fraud and illegal in the collection of any debts. This is a right secured to me by this code herein and the 4th amendment of the U.S Constitution. I have also filed a complaint with the Texas Attorney General.
Product: Debt collection

I have been getting repeated calls from the same number. Finally when I answer a man asks me to verify personal information and does n't disclose who he is, who he represents, or what he is calling about. Finally he says its about a debt ( I have no outstanding collections on my credit report ) but wo n't disclose the nature of it until I verify several pieces of personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did call Sallie Mae Early of 2019 ( XXXX of 2019 ). To ask for a settlement and I did not want to call them during that time because I only had. {$4900.00} with me. But I still did. I did not agree with all of it and wanted to see if they can do a settlement for me but these accounts are inaccurate. I wanted to settle it but they Told me the loan was sold. 3 weeks later- I filed for a dispute with XXXX XXXX Sallie Mae failed to do this again. Unable to provide me any proof. For example, the loan shows now I owe {$10000.00} when it was XXXX. Date was also incorrect. SallieMae can't give me any information and XXXX keep telling me ''Sallie Mae responded to us and told us these accounts are valid '' 2 years later ... .Ive been sending dispute letters and nothing had happened. How is it considered sold? and still consider it as charged off? XXXX failed to provide this information too. How am I supposed to pay and make a settlement when they couldn't even find me? If it was really sold. They should've told me where to contact the new creditor. XXXX failed this and for the 10th time. I am still unable to resolve this.

Some of these accounts are already 7 years old. I consulted a lawyer about this but even told me its not worth it to settle these accounts because its so old. If I did settle this 4years ago. It'll make more sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018 to WORLD FINANCE CORPORATION and all e credit bureaus. It is now XX/XX/2018. I sent the WORLD FINANCE CORPORATION and all the credit bureaus a copy of my police report, ID Thief Affidavit, ID, and my social security card. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
Product: Student loan

I have asked Dept of Education Navient to sent me my original instrument of indebtedness. I have send multiple certified letters via mail on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I haven't seen the original form saying I signed for this debt from Navient.

They have mailed me an generic document on how to repay the debt but that's it.

My total Debt {$110000.00}.
Product: Checking or savings account

I have been a victim of loan fraud on XX/XX/30 and lost {$680.00} from my Chime account with XXXX XXXX. I filed a complaint with the fraud dept through the account and they have told me that they cant give my money back. I have also filed complaints with the OCC, FBI, XXXX, and the bank. XXXX XXXX claims that I dont qualify for a provisional credit while they investigate which could take up to 45 days. All I want is my money back we are in a serious bind with that money not being accessible and should be given the provisional credit back.
Product: Prepaid card

I used my American Express Bluebird ( Card # ending in XXXX ) prepaid card for a one night stay at the XXXX XXXX in XXXX, Nevada that required a {$50.00} deposit on my card. During my stay I never used any amenities that would require a deduction from that XXXX deposit. In addition I had also spoke with the Front Desk Manager who had confirmed that the funds were released in XXXX increments. I have only received one of those XXXX increments and the other XXXX increments is still on hold currently since XX/XX/2016. I spoke with a " XXXX '' a call center supervisor on XX/XX/2016 in regards to this matter and He advised that they have the right to hold on to the funds as needed?? I have filed a complaint with the FDIC, the FTC who then sent me a link to the CFPB to file a complaint in regards to this matter.
Product: Credit reporting 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 bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$580.00} XXXX  XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX Balance Owed : {$660.00} XXXX XXXX Balance Owed : {$770.00} XXXX  XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX Balance Owed : {$8400.00} XXXX XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1600.00}
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Block and Deletion of Fraudulent Accounts Pursuant to 15 U.S.C. 1681c-2 ( a ) Dear XXXX Disputes Team, I am writing to formally notify you that I am a victim of identity theft, which has resulted in fraudulent accounts being opened in my name without my consent. I request that all fraudulent accounts be blocked and deleted from my credit report, as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2 ( a ).

The following accounts have been identified as fraudulent : FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To support my claim, I have included the following documentation : A copy of the identity theft report I filed with law enforcement agency, e.g., FTC.

A copy of my government-issued identification for verification purposes.

A copy of a recent utility bill to confirm my current address.

I request that you : 1. Block all fraudulent accounts identified in this letter.

2. Permanently delete these accounts from my credit report.

3. Notify any creditors involved about the fraudulent nature of these accounts.

4. Provide me with written confirmation once the fraudulent accounts have been removed.

I expect a prompt investigation and resolution of this matter, as required by law.

Thank you for your immediate attention to this matter. I look forward to receiving confirmation that my credit report has been corrected accordingly. 
Sincerely, XXXX XXXX XXXX : Copy of Identity Theft Report Copy of Government-Issued ID Proof of Address
Product: Mortgage

Why did you need to ding my credit 6 times during my refi? 

You also opened a dispute? 

This conduct looks like intentional harm to raise my interest rate by purposefully reducing my credit score.
Product: Credit card or prepaid card

I applied for the Amazon Prime Rewards Visa Card on XX/XX/XXXX at the online store website of Amazon.com. This credit card is serviced by JP Morgan Chase. My application was not immediately determined approved or denied. A week later, I called to check on the application status. I was told there is still no update and that I should receive an update through the mail. My credit score is well above the minimum requirements and my credit inquiry history was relatively low. 

After over 2 weeks since the date I applied, there was still no update either through email, phone, or physical mail. I called again and I was told I was already given a mail decision. However, I never received the decision letter. The " manager '' on the phone refused to provide any copy of this letter or follow up with any type of proof. She refused to acknowledge my issue and hung up the phone. 

To this date, I still have a hard credit inquiry for XX/XX/XXXX from " XXXX CARD '' for a " Bank Credit Cards '' with a removal date of XX/XX/XXXX on my XXXX credit report. I believe this is grossly negligent on JP Morgan Chase Credit Application department 's part. Their response is willfully ignorant since no one wanted to provide me a name of the customer service agent assisting me with my issue. No support ticket was opened since they ignored any wrongdoing.
Product: Debt collection

National Credit Systems is reporting a collection account on my credit report. I have reached out to them directly requesting validation of this debt and they have ignored my request. I am pretty sure per the consumer laws that it is illegal to ignore a consumers request to dispute an account and I am demanding that this account is deleted from my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm the victim of identity theft. The credit bureaus have refused to correct my credit report even after I have sent supporting docs.