23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently had debt to settle had no problems with that. I been trying to restore my history so if I owe I was pay. But Alliant capital management had a representative call my phone. When I ask for verification of the debt thats where it got out of hand. I was told they he was a lawyer which is a lie and that he did n't need to send me any info about the debt at all. Which scared me I recently had my bank info stolen. So i was a little unsure about just giving out my info. I wanted some simple paperwork to prove this person is legit. He got highly upset and ask if I had a lawyer because if not I will need one. I think it was a scar tactic. My I repeat he said he was with a law firm and not a collector. And that I wanted simple paperwork to be mail to me that is all. But no he hung up in my face. That after me threaten me to get a lawyer. I had no problems paying. I did a little resource may I add they called from a local number so I was scar at that. I try to google the number no businesses came up at all. I got even more scared. I thought somebody was trying to get into my bank info again. So I called the same number from another phone. It sent me to a operator. She told me it was alliant and they was trying to collect a debt. She ask who I was talk to. I could n't remember his name. She went me or I ask to be sent to a different person. I also google they and found a New York address and phone number. I called and got in touch with somebody. I told me it was alliant and ask for my name and that they was contacted to collect on a debt. I and to do all of that to verify the source was right. When the person who contacted me could have told me this. So I spoke to a rep. He insured that they are a debt collector and not a lawyer office. I told him that another rep said he was a lawyer. I guess he thought I was lying or he was trying to cover for his co-worker. I came to a settlement. I had no problem in doing so. I issue is the first rep misrepresented himself. I guess trying to scar me into paying. He was aggressive and hot tempted. And not willing to listen to he and trying to degrade me over the phone. I want the taped conversation of the first rep so I can pursue legal matters. He did n't have to lie about who he was I was at work and could n't talk I got confused and scared. I just had my bank info hacked. And some random number called and say do you have a lawyer well get one. If you do n't pay you need a lawyer. Like I was supposed to say well here is all my bank info. All I wanted was some simple paperwork. Or somebody that had a nicer and more calm attitude so we could resolve the issue. He stated I do n't need to give you any info at all I am a lawyer. I called the local non-emergency number because I was scared. I thought somebody was trying to steal my info. I did n't know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  I have sent several letters, the last one more than 90 days ago, to XXXX requesting them to delete an account that is not mine, and they have not.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and DELETE them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

To whom it may concern. 

I was sent an invite to apply for Venture X card from Capital one. 

I previously owned 3 different cards from them and have an outstanding payment history. 

I applied for the venture X card as I was promised the following : XXXX miles bonus for using a certain dollar amount. 

Fee waived for first year. 

I never received the card and kept getting postal mails from them stating different offers. 

I left to be with my mom, out of country and came back later. 

I called in XXXX to find out about my card, talked to an agent for 2 hours and was told that I will be getting a new card, and the two offers, waiving the fee and miles should be in tact. 

I received the card and started using it, the first month I almost made bonus but I had 2 more months to go to make it up. 

In XXXX I get a bill with no miles, late fee and the annual fee. 

They promised to take care of late fee as the agent said they made a mistake. The denied the bonus, thus I told them to refund my fee amounting to {$350.00}. The agent agreed that they will deduct a month and send the rest. 

XXXX XXXX another late fee, as I was counting on the refund, and really rude behavior, I wanted them to check the previous recorded conversations, I even talked to supervisor but all in vain. 

Please advise. I am a jobless student and they are giving me a very hard time. 

XXXX
Product: Credit reporting or other personal consumer reports

I recently discovered that I am a victim of identity theft. XXXX  XXXX is reporting an account to my credit report that is a result of identity theft. The information being reported is destroying my credit reputation and causing me harm. I am seeking a remedy for that the account information to be permanently deleted from my credit report and file. I have already filed an identity theft report regarding the matter. All supporting documentation is attached to this complaint.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX XXXX neighbor done these damages to my apartment while I was at home in the room with my XXXX the property manager has videos of her doing the damage she even called the cops for me and I also did as well. I filed a police report and have all the proofs stating the same thing and pictures of the damages. I was told she would be held accountable but it had to be taken to court cause of the girl being XXXX she wasnt immediately arrested she and her mom had moved out so was looked for but never served papers during this process cause by the time the cops came to the scene that day they hurried and fled the scene. So now Im stuck left with this bill that is preventing me and my children from moving into another hud housing complex or any housing with hud at all cause of this past charges that are left tied to my name. All cause of the other party not being found to serve papers and brought to court to present these charges to. This is not fair and is causing my present situation XXXX. This occurred in XXXX or XXXX here it is XXXX and its still not handled which should not be my problem I was the victim in this entire situation
Product: Vehicle loan or lease

XX/XX/18 or XX/XX/18 Called company advised that car has been in a flood. Gave company claim number info. Stated will most likely be a total loss due to the water level it was over the vehicle. 
XX/XX/18 PAC called after the vehicle was deemed total loss in regards to past due payment. Told them they are receiving payment in full from the insurance company and that vehicle is a total loss. Rep had little concern over the vehicle ( Asset ) being a total loss and was more interested in securing a single payment to bring account current. I had already given claim info with insurance info. Informed them it was a total loss at this point and insurance would be making a payment. Told me I still need to make a payment. Told them no, rep replied will see and hung up. 
XX/XX/18 Called company to give updated info was referred to claims department with contact info. 
Hours later I received a collection text message stating to avoid additional procedures such a collection then I need to pay by XX/XX/XXXX. The date is XX/XX/XXXX so this is clearly over eleven months away. 
Called company back to speak to claims department to give additional info in regards to the insurance claim on the vehicle. The receptionist transfered me to collections instead, Collections asked how can I help you. I stated is this claims they stated no. Stated they were busy. Proceeded to tell me to make a payment. Advised rep again vehicle is a total loss and they will be receiving insurance payment soon. Rep was not interested in receiving information in regards to Vehicle ( asset ) or info in regards to an insurance payment to the loan. Rep was  hyper-focused on a monthly payment for the asset. Told rep I was done talking to him since conversation was repetitive and non productive. 
Company has been harassing in regard to a vehicle that is already deemed a total loss. intentional lack of communication between collections and claims department at company.
Product: Mortgage

I have been trying to get this loan reviewed for a loan modification since XX/XX/2020. In a letter dated XX/XX/XXXX, Shellpoint informed me they required additional documentation to finish their evaluation, more specifically, a copy of their Uniform Borrower Assistance Form, a copy of most recent bank statements, Copy of Dodd-Frank Certification Form and, copy of most recent quarterly profit and loss statement.

On XX/XX/2020 I submitted all of those documents to the mortgage company via the dashboard on website ( with email confirmation ) and via email. On XX/XX/20 they were submitted again via fax because ( also with fax confirmation ) because I was informed through email that For some odd reason our imaging system isnt uploading all the documents to her file.

On XX/XX/20 Shellpoint informed me they are unable to complete the evaluation because they did not receive all of the required documentation and asked me to contact the office to discuss whats missing. On XX/XX/20 I contacted Mr. XXXX XXXX, my Loss Mitigation Specialist at the mortgage company, to find out what was missing. Today is XX/XX/20 and have not heard back from Shellpoint yet.
Product: Credit reporting or other personal consumer reports

Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in persons under 22 U.S.C. {$7100.00} ( 11 ) or XXXX XXXX  under 22 U.S.C. 7102 ( 12 ) as required to qualify for certain adverse credit information to be blocked pursuant to 12 C.F.R. 1022.142. My credit report was affected by debt bondage.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 60 days 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 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 XXXX
Product: Debt collection

On XX/XX/year>, I had the screens of my XXXX XXXX and XXXX  XXXX replaced. However, the merchant at XXXX XXXX damaged them during the process. The screen on my XXXX XXXX was unresponsive unless I used the XXXX, and my PIN on XXXX was altered, rendering me unable to access my phone. Additionally, my XXXX was missing from both phones, and they stated they couldn't locate them. Merchant claim to use genuine parts when in reality they replace with aftermarket screens. 
After numerous attempts to call the store, I texted the owner on XX/XX/year>, XXXX, who had promised a refund. When I followed up on my refund, I found out that I had been blocked. Although the merchant had agreed to issue a refund via Acima, he failed to communicate with them until XX/XX/year>, which was after his 90-day warranty had lapsed, leading to an increase in the early payoff amount. Acima stated that they cancelled the lease during the dispute process and would refund what I had already paid and cancel the lease. However, they have yet to take any action, and they have now sent the matter to the collections department
Product: Vehicle loan or lease

Santander recently involved in a class action lawsuit. As a result, there was judgement that was passed down basically stated that any derogatory associated with those companies as far as the repossession goes has to remove that off the consumer report. Due to missing information being reported. They are also in violation of the UCC code. As a result my account was involved in that class action lawsuit and would like it deleted off of my report before I take matters into my hands a step further.
Product: Checking or savings account

Dear Wells Fargo Bank, Thank you for your response to my XXXX claim, but I would like to further discuss the denial of my claim. Your response states that the transactions were made through a secured online banking session by me or someone whom I gave authorization to. 

However, I would like to reiterate that I did not give anyone permission to make this payment, and I have filed a police report and even undergone a lie detector test to prove my innocence. Additionally, when I contacted the bank, I was informed that all the XXXX accounts that the money was sent to have been disabled and that I was not tied to any of the emails registered under their XXXX. 

This suggests that my personal information was leaked, leading to someone sending the money from my bank. I would appreciate it if you could investigate the recipients ' accounts and provide me with more information to help clear my name. Furthermore, I want to emphasize that when the claims specialist called me, they informed me that my account was logged in from Texas and XXXX, despite me living in XXXX, Utah. 

The fact that my account was accessed from locations I have never been to before suggests that my account was compromised. I immediately changed my account username and password after being informed of this. 

In your response, you also mentioned that there was a history that the device that made the disputed XXXX transaction dated back more than 60 days, and that the same device was used after I changed my username and password without the online fraud claim assistance center. 

However, this does not prove that my account was not compromised and the money was sent to a strange account, as I have never authorized such transactions before. I kindly request that you take my situation seriously and investigate this matter thoroughly. I believe that I am not at fault, and I should not be held liable for any unauthorized transactions. Please let me know what further information or documentation I can provide to support my claim and help resolve this matter. Thank you for your attention to this matter. 

In the new response, I was asked to contact the recipient and the recipient bank. I do not know the recipient and their bank because like I said this was an unauthorized transaction. Please give me a call or email discussing my options of recovering the funds or I would have no choice but to take legal action to do so. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please have all XXXX bureaus delete the following account I been reaching out to them to ask investigation but they always come back saying it been verified. 
There verification is not accurate I have the a proof for them to remove the following account immediately I won't wait XXXX hours Waiting for them to hurt my credit and preventing me for doing my rights of living my life Accounts : XXXX XXXX XXXX XXXXXXXX XXXX SEE ATTACHEMNT OF THE APPROVE LETTER
Product: Credit reporting, credit repair services, or other personal consumer reports

The balance on this account is not correct as this account as be Charge-OFF. As I can see the XXXX suppose have taken over the alleged debt. Therefore, how can there be a balance and this account is report differently on all 3 credit agencies.

Therefore, this account is inaccurate and needs to be delete per the Fair Credit Act. The credit agencies will be held liable for the inaccurate information and sued. 


XXXX XXXXXXXX XXXX XXXX  XXXX # XXXX
Product: Checking or savings account

I have an account with Chime Bank. On Sunday XX/XX/2023, I woke up and had a notification from my bank that my account was overdrawn by over {$300.00} from an ATM withdrawal made on Saturday, XX/XX/XXXX at approximately XXXX XXXX. 

I had stopped at a Holiday gas station in XXXXXXXX XXXX at XXXX XXXX  and made a POS purchase prior to heading to work in XXXX, XXXX. I worked from XXXX to XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX. 

I called Chime right away that morning to report the charge as fraudulent. The agent on the phone took my information, started an investigation, and even said on the phone that it didn't look like my physical charge was used for this transaction. This transaction was also able to bypass Chime 's " security measures '' to overdraw my account by {$300.00}. I can not overdraw my account by that much using my actual physical card. 

I provided a parking ramp transponder report showing that my vehicle- and I - were in XXXX at the airport. 

Chime denied my claim based only on the transcript of my original call and the claim that I did not supply supporting documentation. I requested copies of the documents they used to make their determination and they sent me the call transcript AND a copy of the transponder report I had provided them as supporting documentation. 

At this point I am filing a complaint for Chime 's unethical business practices.
Product: Credit reporting or other personal consumer reports

This is my SECOND NOTICE disputing American Heritage # XXXX that is inaccurately reporting a XXXX XXXXXXXX Balance on a credit card with a {$5000.00} Credit Limit XXXX 
DELETE this inaccurate information from my Equifax credit report immediately. 
For some unknown reason my FIRST DISPUTE was VERIFIED! 
Again, DELETE this INACCURATE account from my credit report immediately. 
I received a response that my FIRST dispute was VERIFIED via CFPB portal on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I was having difficulties paying off my loan due to being laid off in my previous role. I then contacted XXXX XXXX and set up my account for an extended payment, which reduced the monthly amount due. However, the auto-pay method that was implemented before was removed, and I was not completely aware of it. I then attempted to make an emergency payment, which was unfortunately reversed due to inadequate funds. I was informed that I needed to make a payment before XX/XX/year>, for my account to reflect paid/good standing. 

I was then informed that there was a cutoff of 4 months for inactivity that would report the account as 'Charged Off '. The indicated cutoff was XX/XX/XXXX, which contradicts the previous indication of the monthly payment received by XX/XX/XXXX. I paid the monthly balance, and the payment was cleared on XX/XX/XXXX. I have a record of the bank statements attempting payment each month that indicated there was inactivity and a partial payment before the Monthly payment cleared on XX/XX/XXXX, which also contradicts the 'inactivity ' over four months that pushed the account to be charged off. 

I am requesting that XXXX XXXX change/report to the credit bureaus that my account is in good standing since I am still making direct payments to XXXX XXXX XXXX The account was never sold to a collector. In my dispute attempts with the bureaus directly, it was not updated either. Please assist, as this is hindering my credit score and limiting my ability to obtain a new home/rental, and I have just had a XXXX  Please advise, and thank you for your time!
Product: Debt collection

I received multiple calls from a company calling about my credit card there name is XXXX XXXX, I have gotten no bill or notice in writing from them and I told them not to call my cell phone, they keep calling me an will not stop, now they are leaving me voicemails which I have saved saying they are calling about my desert schools federal credit union account, my voice mail does not say my name on is it in my voice it is a pre recorded message with my cell number, they are leaving personal info on my voicemail not knowing its me this is third party disclosure and also calling cell phone after I have asked them reapeadly not to.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX account number XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. These accounts are reporting inaccurately and are impacting my livelihood. I have filed disputes to have these account removed. Please remove these accounts from my credit report.

The information reporting on these accounts are incorrect and I would like to have this information removed as it is greatly impacting my livelihood. Thank you for your understanding.
Product: Debt collection

On XX/XX/2022, XXXX XXXX XXXX added a derogatory mark on my credit report ( XXXX, XXXX and XXXX ) per XXXX. Upon further research, the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 hard credit inquiries that showed up on my XXXX account that I dont recognize nor did I authorize. One is from Synchb/amazon and the other is from XXXX.