23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX I received a phone call from an unknown number. The lady said that she was from XXXX XXXX and had a summons issued for a civil action lawsuit against me and she said I should have received a certified letter two or four weeks ago. I responded that I did not receive a certified letter about a civil action lawsuit against me. I asked who the plaintiff was and she said she could not disclose this information to me but had to call the law firm handling the case, XXXX XXXX phone number XXXX Case # XXXX. When I continued to ask for more information, she said that the case is sealed and wanted to know if I would be available at XXXX today for the process server. I called the number and was transferred to XXXX who told me that I was being sued by Chase bank for a credit card in XXXX for the amount of around {$8000.00}. I said that was 20 years ago and my ex-husband had opened the account and they need to contact him. Then he said that I had continued to ignore their certified letters and correspondence that they had sent to me when I never received any correspondence or certified letters. He also said that they would put a boot on my XXXX XXXX until I paid the money they had stated that would increase to {$11000.00} once it hit the court room. I told him that I would contact my attorney to discuss this further with him and he said what's the name of the attorney? I said I don't know who will be assigned to my case yet. He said so you're going to use a law firm? What's the name of the law firm? I said I would research and find the best one I could and he became very angry and raised his voice and said this is not going to go away. When I checked with XXXX XXXX online system in their civil lawsuit cases, and provided the case # that was given to me, there was not a case found in XXXX XXXX for that case # or my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially sent letters to XXXX, XXXX, and TransUnion on XX/XX/2021 to request some information on my credit report be investigated. I did not receive a response in the 30 days allowed so I sent another letter on XX/XX/2021 with the same request and also advising they have infringed on my rights as a consumer. I have not received a letter in response to any of my investigation requests. Please help me to resolve this matter. Thank You
Product: Debt collection

I hope this letter finds you well. I am writing to address a matter concerning my credit report. Upon reviewing my credit report recently, I noticed that there is a bankruptcy account listed. After careful examination, I believe there may be an error or misunderstanding regarding this account. Bankruptcy XXXX XXXX XXXX
Product: Student loan

Aid advantage has not provided opt out disclosures or original promissary note!
Product: Credit reporting or other personal consumer reports

Hello I recently signed up for Experian in 2020 thinking it would help my credit score and I disputed a few things on my account only not to be changed also they were running other reports I had know notice of. I reach out to them to get things fixed and nothing g was done.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX/XXXX  XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , Chapter XXXX Bankruptcy Ref. XXXX violated my 609 rights by reporting incorrect information to Transunion regarding my credit file. Transunion further violated my rights by adding this incorrect information to my credit profile for others to see.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased an XXXX XXXX XXXX in XX/XX/XXXX. In XXXX of XXXX, I had the vehicle refinance with XXXX. The payments on the account was {$650.00} a month. I was making the payments on time, until we have the government shut down. So, I got behind on the payments. I had a hard time making the payments, so I voluntary to have the vehicle repo XX/XX/XXXX. The vehicle had an balance that was left over from an vehicle that we traded in for the XXXX. XXXX sold the vehicle for {$12.00}, xxx.xx. So that left me paying {$16.00}, xxx.xx on the balance. XXXX is putting an negative item on my credit report, stating that the account is charged off bad debt. The account is not bad debt, because I voluntary had them to come and get the vehicle. The account need to be positive and showing that the balance was dropped from $ XXXX to {$16.00}, xxx.xx
Product: Credit card or prepaid card

[ XX/XX/2023 ] To Whom It May Concern : Please note that under Section 1681c of the Federal Fair Credit Reporting Act, you are obligated to delete obsolete information from the consumer credit report of the undersigned. The following account list : [ Chase Credit Card XXXX ] This information is obsolete and should no longer be appearing on my credit reports ; please delete it. 

This information is outdated, and obsolete and should be deleted immediately from your credit files. I anticipate your immediate attention to this matter. 

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

Upon reviewing my credit report, I discovered that XXXX XXXX incorrectly spelled my address, thus as a result, I did not receive my billing statement and was inadvertently late on a payment. As a result of this, this cause severe harm to me as well as punitive damages. 

XXXX  XXXX  also incorrectly listed my address on my billing statement. Again as a result, my statement was not recieived and my payment was inadvertently late.
Product: Vehicle loan or lease

I am filing this complaint for several late payments to my account which occurred during the pandemic. The late payments for XXXX were in XXXX, XXXX, and XXXX. The late payments for XXXX were in XXXX, XXXX, and XXXX. The monthly payment amount was {$590.00}. I made on time payments prior to the pandemic. It was a very difficult time as a single mother with XXXX kids trying to work during the pandemic. The stress and anxiety from the pandemic and also getting XXXX made it very difficult for me to work. I have called Credit Acceptance on many occasions trying to get them to work with me on those late payments and I didn't receive any assistance. The only thing I received were very rude and unconcerned representatives. I would greatly appreciate some type of leniency in these difficult times.
Product: Credit reporting or other personal consumer reports

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal Per 15 usc 6802 Consumer reporting agencies Equifax, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent per usc 1681 I have disputed, called and requested removal of inquires that i didn't give authorization to A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Never was i informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C IT is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e
Product: Debt collection

us bank/elan finl svcs XX/XX/2015 Remaining : {$1000.00} / Due : {$36.00} i recently found this name and info from credit report. never received any contact or letter, info. or know who they are.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I was at a store attempting to use one of my Capital One cards and the card declined. So I tried to use another and the same thing happened. When I called the number on the back of the card they told me my cards was temporally restricted for possible fraud and I needed to submit my personal photo ID and social security card to them. I asked why but the gentleman could not explain the reasoning. I 've been a loyal capital one card holder for over 7 years. I 've always kept my balance low and have NEVER missed a payment. I also never had any misuse or fraud on the cards. The next day when I called back to find out where do I submit my ID & SS card, I was told I needed to provide an ID and SS card for every person who I ever had on my account as an authorized user. I asked why and once again I was told it could be possible fraud and I asked who would cause a fraud concern since I am the ONLY person who has/had a card for the XXXX accounts. I make the payments every single month, sometimes twice a month from my business or personal checking account. I asked again how can my account be flagged for possible fraud? I was told that information could not be given to me or what the real issue was. I was given a list of names that I needed the information for. I reinstated that NONE of the authorized users have access to the accounts. They never had their own card! I let the gentleman know that I own a business and I sometimes add clients onto my account as an authorized user in order to help them establish credit. The Cap One rep said that was fine. So, for the next 3 days I uploaded everyone 's ID and Social Security cards as I collected them. Once the last person 's information was uploaded, I called Capital One to confirm the next step. I was told a representative tried calling the day before and they chose to close ALL XXXX of my accounts. I stated I never received a call from CAP ONE or a voicemail. I asked to be connected the department that called me and the lady said they do n't take calls. I asked to be connected to a manager and she said there is nothing a manager can do, the accounts are closed and will not be reopened. Her last words was that a letter will be mailed out to me and hung up the phone. 
Why would they close my accounts on day 2 before I finished uploading the documents? This is a huge problem for me. Like I mentioned I have been a very good loyal card holder. I have never been late in the history of these accounts or any others. I keep low balances on ALL my cards. XXXX card is for business purposes only. I buy business supplied and reoccurring business charges are linked to that card. The main problem is I am in the process of purchasing a house. I received a pre- approval letter already. When Capital One closed XXXX accounts my credit score dropped tremendously!!!!! Those closed accounts lessened my buying power by making my credit utilization skyrocket up and showing a balance owed on all XXXX accounts with XXXX credit available.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This is a formal notification regarding fraudulent activity on my credit report. The following accounts, collections, and inquiries are not authorized and must be addressed immediately : Fraudulent Collection XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Account # : XXXX Opened : XX/XX/year> Reported : XX/XX/year> Fraudulent Account XXXX XXXX XXXX Account XXXX XXXX XXXX I pray immediate removal of these fraudulent entries. Please confirm receipt and provide updates regarding resolution within 30 days. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Sometime in XXXX or so a us bank card was opened in my name when I found out about it I reported it to the police and filed a report and a ftc report. The credit breaks removed it. Sometime in XXXX US Bank has been reporting back the the credit union as a valid account which is untrue. I need them to quit doing this immediately and remove it
Product: Debt collection

I have tried contacting LVNV about a debt thats on my credit report who gives me the run around and tells me to contact another company called resurgent who then tells me to contact a business called XXXX and XXXX who will not give me any info on the debt they are claiming I owe. I keep getting a run around with no information on the debt. I have told all 3 companies that I want an original copy of the contract, with my signature, they are claiming I owe a debt to and LVNV says I need to call resurgent who tells me to call XXXX and XXXX. But if LVNV is reporting the debt to the credit bureaus then they need so provide the originally signed documents or have the collection removed from all 3 bureaus
Product: Credit reporting or other personal consumer reports

am writing to formally request the blocking and deletion of certain account and inquiry entries from my credit report due to identity theft. I am a victim of a recent data breach, and I believe the following account and inquiry were added to my report without my authorization. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I respectfully request that you immediately block and delete these items from my credit file to prevent further misuse of my information. 
Account to Be Blocked and Deleted XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XXXX XXXX - Balance : {$6800.00} Inquiry to Be Blocked and Deleted XXXX. XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2021 Citizens Bank called my 4 times unless then an hours. I spoke to them once told them I would pay them when I had the money! That did not sit will with them!!! I have ask for help from this company for 5 months now and they offer no help. They just put your bill up and thing thats ok!!! Im sick of the harassment when I am unemployed and doing the best I can!!
Product: Checking or savings account

On XX/XX/year> chase bank closed my account and at the time of closure I had a balance of XXXX XXXX dollars in my account, chase has been holding my money since and Ive called countless time just to hear them tell me that funds that rightfully belong to me is under review with no date as to when this review will end this is thievery at its finest and I want them to give me my money back
Product: Bank account or service

I have an issue with Bank of America taking {$70.00} out of my account after it over drafted a small amount for a matter of a few HOURS, not days. I went to the bank immediately to put the funds in. The real issue is that the policy used to be that you would only be charged if money is not added within 5 days and I was not notified of any change to this policy and therefore did not expect a charge. Naturally I try not to overdraft but I have accounts at XXXX banks and I had forgotten to make a transfer. If it were days I would understand and especially if I had been notified of a policy change, but not hours. Also, there was enough money in my savings to cover the amount. The bank used to let you link the accounts for protection and now it does not, so it can take your money. Managing someones account is not an excuse to steal from them anytime you see fit. I will be looking for a new bank immediately.
Product: Credit card or prepaid card

In XXXX  my car with all personal belongings including credit card, debit card, and phone were stolen. Charges were racked up. I made a dispute that was later denied after supplying FTC id theft reports and police reports concerning the matter. The company refuses to honor my fraud claim, and have not gave me a detailed explanation in how they verified the information
Product: Debt collection

My complaint is with National Credit Systems in XXXX, Georgia. They reach out to me in attempt to collect a debt that I didnt owe. For starters, the letter that they sent arrived practically a month from the date printed on it ( could be that they sent it out late or an issue with the postal service ). I called to let them know that I dont owe them and I paid the Original Creditor in full. They said that they dont know that but on my credit report they have it stated as I paid collection with an incorrect and false date. I never sent a payment to this collections company because I paid the original creditor. Im upset because they reported false information which shouldnt even be shown on my credit report. They are the worst and the customer service is far beyond poor, just check out the reviews on XXXX. How can they even get away with this?
Product: Credit reporting

I just want to send this to make sure I get my facts right and make sure there is a record of this information for further use. If I am correct, Equifax claimed that they finished an investigation, and I assume Equifax contacted XXXX XXXX XXXX to get this information, and claimed a negative item was mine. I had been in contact with XXXX XXXX XXXX who told me that a name I am unfamiliar with was also on this account as well as someone who used my wife 's name but was unaware we were married so opened the account using her maiden name. My wife had an account with XXXX XXXX XXXX at this time and that XXXX used her married name so I know XXXX XXXX XXXX had this information. When I request the proof Equifax claimed to have as I assume Equifax would require proof if they declared an item mine, they are doing another investigation. Does no one oversee credit bureaus? Does the CFPB ever take any action against these people like they claim too? I am going to contact the office that handles complaints against the CFPB because this is rediculus that I have written so many complaints.
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 corrected for erroneous reporting in my file are listed on my credit report CAPITAL XXXX XXXX Balance : {$810.00} XXXX XXXXXXXX Balance : {$300.00} XXXX  XXXX XXXX Balance : {$810.00} XXXX XXXX Balance : {$300.00} XXXX  XXXX XXXX Balance : {$810.00} XXXX  XXXX Balance : {$300.00}
Product: Credit reporting or other personal consumer reports

Requested to opt out forever and sent state issued driver 's license and they refused. Demanded my SS # which I am not required to give them. Request that all credit reports be updated, and info removed.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX 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 those account to be removed.

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

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement
including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CA XXXX* ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In g
eneral No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX   Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CA XXXX*
Product: Credit reporting, credit repair services, or other personal consumer reports

Exeter finance has written off my account as bad debt. I have yet to receive a 1099c and the amounts they are showing as written off do not match. They are in violation of my FCRA rights by not properly reporting accurate information.