23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Reference : XXXX Stop asking me for the {$24.00} that I do not owe to XXXX XXXX. I froze my membership for 6 months starting XXXX and was all caught up with payments. Some less than intelligent person from your firm called me saying I need to just pay it but without proof that I owe it. He acknowledged its from XXXX which is AFTER I froze my membership. Without proof to show otherwise, stop calling and asking for money I do not know without any proof or evidence I owe it. Get your act together!!!
Product: Debt collection

I regret to notify you that I am unable to accept your decision to reject my identity theft claim on the grounds that it was based on a mistake or a substantial fact misrepresentation. It begs important questions about how and why you have the power to define what is a material actuality. It is important to note that you do not have the authority of a jury or judge, nor do you have any natural right to render such decisions. 
According to the guidelines set forth by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the protocol is to adhere to the law and investigate accordingly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I'm willing to give you one more chance to handle my request regarding identity theft. If I don't, I'll be forced to use the legal system to pursue my legal rights. In such case, you will be responsible for the harm done to my credit and reputation as well as the emotional pain I have had to go through during this whole experience. It's very likely that throughout court processes, what qualifies as a material fact will become readily evident, and you might have to pay me back for your carelessness.
Product: Vehicle loan or lease

I have tried several attempts to resolve this issue with Santander. Santander seems to be overlooking several aspects of my claim. As of today XX/XX/XXXX I have received the tittle to my XXXX XXXX, however have not received any additional funds that were overpaid. Santander overcharged me thousands of dollars, repossessed my car illegally and continue to overlook the situation. If this is not resolved and the money is not refunded, I will have no choice but to pursue further legal action against Santander for Consumer Fraud. 1. On XX/XX/XXXX- The principal owed on the account was XXXX XXXX. ( see attached letter confirming ) the original payment amount was {$380.00} not {$380.00} per the documentation provided by Santander, again a clear sign of consumer fraud. 2. On XX/XX/XXXX the loan was modified based on a balance that was grossly overstated - the modification stated that the Principal balance was {$18000.00} ( see attached letter ) On XX/XX/XXXX when the account was transferred to Santander from XXXX the principal balance was $ XXXX.Santander overcharged me by {$2800.00}. This is a clear fraud. 3. On XX/XX/XXXX the account was modified to lower the initial APR from 13.89 % to 10.14 %, however Santander claims that this was incorrect. How can this be incorrect if Santander confirmed receipt of the modification agreement. ( See attached letter ) the new amount should have been {$270.00} instead Santander charged me {$380.00} The vehicle was repossessed on XX/XX/XXXX a payment of {$1200.00} was made via cc on the evening of XX/XX/XXXX. The car should never have been repossessed. The difference of this was {$1800.00}. plus the repossession fee of {$460.00} for a total difference of {$2300.00}. It is not my problem if Santander fails to keep accurate records. I was offered a modification on XX/XX/XXXX the modification was received by and accepted by Santander. Santander has clearly committed fraud by overcharging my account almost {$6000.00}. If Santander wishes to overlook this I will file a consumer fraud lawsuit against them, where as they will have to pay triple damages including my attorneys fees and cost. It is to the best interest of Santander to settle this as soon as possible. I will further send this information to the Attorney Generals Office for review. As a settlement I am willing to accept {$5000.00}. I have provided all the necessary documentation to prove the fraud that has been committed by Santander. Thank you -
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 XXXXXXXX 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 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

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX XXXX XXXX
Product: Credit card

Please stop contacting me via phone, fax, text, or email. All communication should be sent to me by USPS certified mail. Any other form of correspondence will be rejected or refused. 

BANK OF AMERICA XXXX, XXXX, XXXX, XXXX
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 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 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: Debt collection

I was recently contacted back in XX/XX/XXXX by a debt collection agency by the name of XXXX. The male representative was very adamant and convincing that this was my debt. He went on to tell me that failure to comply and make payments would result in me being sued and having my check garnished. I immediately got frightened. I'm a XXXX XXXX and live off my tips so the thought of my check being garnished had me alarmed especially when I just XXXX XXXX. The representative went on to say that I had a credit card through Bank of America and I owed them over {$1400.00}. Me not aware of what was being reported on my credit report at the time and not taking the time to realize that I never applied for a Bank of America credit card, I agreed to make a monthly payment every month towards the balance. I have currently still been making monthly payments up until last month. Just recently I contacted Bank of America something I should have been done and discovered that this account was a charged off account and that it was open in XX/XX/XXXX. I  am a victim of identity theft. I spoke with a representative from Bank of America and she informed me that there was no balance owed on this credit card account and that they did not sell this account to any debt collector agency. She said this account was past the 7 year mark and that I shouldn't had been making any payments. She said that there were no second or third party companies involved nor did they sell my account to a debt collection agency.
Product: Checking or savings account

I filed a claim to dispute charges with Wells Fargo on XX/XX/XXXX, for {$460.00}. Some of these charges dated from XX/XX/XXXX back to XX/XX/XXXX. Some of these charges were made out of state, which was my main concern. Wells Fargo conducted an investigation, but did not provide any provisional credits during this time. On XX/XX/XXXX, I received a notification my claim was closed, but Wells Fargo did not provide any written or verbal documentation as to what the decision was to the claim. I called the Wells Fargo customer support line on XX/XX/XXXX, in an attempt to understand the claim decision, as there was no statement including any details regarding the outcome. The agent I was transferred to told me that Wells Fargo had declined my claim, and appealing their decision was not possible, as they have a one time only policy to report an issue with a transaction. I was denied access to review documents to see why they made their decision this way, and if there was any additional information that I would be able to provide to counter their decision, or if they had any incorrect information that needs fixing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/ 2015 I received some document in the mail stating that i purchased a vehicle which i had no knowledge of, from the above mention company ( XXXX ). At that time I started my own investigation, I went to XXXX Police Department regarding credit fraud. After receiving my police report I went to the speak with the finance department at the dealership ( XXXX  ) where the finance Manager stated that I was not the person that signed the documents for the purchased of a vehicle in front of him. I spoke back with -- date XXXX and they assured me that everything will be taking care of. 
XX/XX/XXXX I received another letter from a miscellaneous company stating that I owe {$14.00}, XXXX for a vehicle that I never saw, purchased, and I never wanted it for that matter.They state that the money is due within ( 30 ). 
In conclusionI feel that when someone takes advantage of your credit you should not be responsible and should be conforsated for the heartache and pain.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLORIDA, XXXX XXXX [ XXXX ] XXXX XX/XX/XXXX EXPERIAN EXPERIAN XXXX XXXX XXXX XXXX, TX, ZIP XXXX Dear Sir/Madam, I am writing to formally request the removal of an inaccurate collection account from my credit report. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute the accuracy and completeness of information on my credit report. 

The account in question is with [ Collection Agencys Name ], account number [ Account Number ]. I have confirmed with [ Original Creditor 's Name ] that this entry is indeed incorrect based on [ provide reason, e.g., mistake, paid account, identity theft ]. 

I am including copies of supporting documents which verify the inaccuracy ( attach copies, not originals ), such as [ describe documents, e.g., payment records, release letters, identity theft reports ]. 

I respectfully request a thorough investigation into this matter and that the incorrect collection entry be permanently deleted from my credit report. According to the FCRA, you are required to complete the investigation within 30 days of receiving this letter. 

Please provide confirmation in writing once this error has been rectified. If additional information is required to resolve this issue, I am willing to cooperate immediately. 

Below are the collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Thank you for your attention to this urgent matter. I look forward to an expedient resolution in favor of my credit reports accuracy. 



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

I have a loan that was on Identity Theft & fraud by XXXX XXXX XXXX that was not sign by me as the California All Purpose Certificate Of Acknowledgement was for  corrections & power of attorney for the instrument being the deed of trust. 

I did not sign nor was or appeared before the notary/notary agent on this document I have identity theft and fraud by the said parties XXXX XXXX & the notary/notary agent hired by them. 

Fraud & Theft on the instrument for the Deed of Trust
Product: Credit reporting, credit repair services, or other personal consumer reports

In According with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX  Account # XXXX ( Original Creditor ) XXXX 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 that a consumer reporting agency can not furnish a account without my written instruction and permission.

The following alleged account in my credit file and is listed as a collection with a PAST DUE balance of {$270.00}. REPORTING A PAST DUE BALANCE ON A COLLECTION ACCOUNT IS INACCURATE REPORTING ACCORDING TO FCRA. This account being reported does not belong to me. 

The account says opened XX/XX/2022. The account also states Past Due Amount {$270.00}. ( This is a collection account with a Past Due Balance.This is inaccurate reporting and are in violation with FCRA laws and guidelines. THIS ACCOUNT BEING REPORTED IN MY CREDIT FILE IS A VIOLATION OF REQUISITE METRO TO COMPLIANCE REPORTING STANDARDS. ACCORDING TO THE FAIR CREDIT REPORTING ACT, I HAVE THE RIGHT TO A FAIR AND ACCURATE CREDIT REPORT. THEREFORE ANY INFORMATION THAT IS NOT TRUE, ACCURATE AND VERIFIABLE IS REQUIRED TO BE REMOVED/DELETED. 



*Also please note that this account was previously deleted from my credit file and reinserted by a different collection agency.
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. 


Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : 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: Mortgage

I have contacted Citizens bank numerous times regarding HELOC reset. When they called me back, they left a very unclear message in a broken English. The voicemail massage probably came from someone overseas, and the number they gave me is for a different business. They called me back only after 3-4 calls to servicing, including on with a supervisor Mat. He was not able to provide a  number to call regarding modification. 
When I spoke previously with a different rep, he told me to call XXXX, where they were unable to help me. I received confusing letter and loan statements. I am constantly being referred to someone else, or told to wait for their call back. I have paid them on time for a decade and want to avoid foreclosure by modifying the loan. Please help. 
My contact info is XXXX or XXXX. Thank you
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$310.00} XXXX XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX Balance Owed XXXX {$280.00} XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$500.00} XXXX PACI XX/XX/year>XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting

My personal information was leaked or stolen in late XX/XX/2008 and has been used to obtain medical accounts, loans, and education in my name. I was barely legal I 've been aware of this but had no resource or way to fix it. Tried disputing accounts, tried locking my credit, tried calling the places, and even changing my social. Was n't until last year I did more research on how to take control of this. My wife and I both have been affected and have managed to buy stuff given this, and when we spoke to the police department they did n't have many answers just to either go to the credit bureaus or change my name because they said it was common? I 've been compiling evidence or proof against the creditors and credit bureaus because they do n't seem to care or they think I 'm lying. Figured this was my last stop or just wait XXXX years I guess for this to fall off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Ive requested my consumer report several times and received a email saying that it would be sent by mail over XXXX XXXX XXXX XXXX ago. I havent gotten any email correspondence or update about the process of me getting my report. I called several times over the phone and the only thing that was said is it would be sent by mail.
Product: Credit card or prepaid card

I have had Best Buy Credit card for a long time. 
I have set up auto bill pay with XXXX  XXXX XXXX so every XX/XX/XXXX of the month, the card is paid. 
About 20 months ago, I experienced the same issue. They charged me for a bill past due. 
The interesting part is that i had been paying $ XXXX/month without any purchase. They went into my account and cut me a refund check that never arrived, about {$1500.00}. When I went to the store to buy a merchandise, the credit card had XXXX balance, rather than {$1500.00}. I asked them to void the check and put the money back into the credit card as credit. Well, they didn't do it, they charged me fees, and I had to come to CFPB to clear the issue. They have yet to make full payment of that balance ... 

Now the issue is the same ... they have charged me twice a {$31.00} fee for not paying the recurring bill. They called me this week ( about 2 days ago ) to complain about a past due balance from XXXX. They were claiming they never received a payment. I asked the collector ... Did you see a payment posted every single month, on the XXXX? After 10 minutes fetching in the system, he realized that the payment had been made, but unfortunately Citi 's system received it as a prepayment for the previous month, and not for that month. I explained that that is their problem, and not mine. That they had already asked me to change my recurring payment 20 months ago for the very same problem. Well, if I make monthly payments religiously, why would they still charge me {$31.00} as fee? Citi 's system is clearly broken and I shouldn't be getting nasty calls from their collections team accusing me for past-due amounts when clearly payments are being made, as they have been for the past decade. I just feel that I, as a consumer, shouldn't be bugged for automated systems that have little to no intelligence, and ends up being accusatory and disrespectful. 
Given that this is the 2nd time this is happening, and that they have already not fully credited me for the {$1500.00} in the past, I feel this complaint is well deserved. 
Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I disputed an XXXX XXXX XXXX on my credit report. The credit item was then deleted from my report after communication with the creditor and with Experian. Several months later the account was re-inserted on my credit report without notification. It is my understanding that the bureaus have a responsibility to notify consumer if deleted information is re-inserted on my report. I never received such notification. 

In addition to Experian 's negligence, I the creditor never reported the item as disputed even I had previously disputed the account with them. I have an idea what happened that may have caused the mixup. XXXX XXXX XXXX was no longer reporting on my credit until my husband began to dispute the item on his report. This is when XXXX XXXX and Experian decided the account should be added back to my report. And they added it illegally. 

The partial account number associated with this account is XXXX.