23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I live in Maryland where reports of a lot of XXXX  are being stolen and vandalized. Unfortunately I have become a victim. I previously owned a 2014 XXXX XXXX that was stolen and vandalized. The vehicle was almost impossible to find then I received a call from XXXX that the vehicle was found and destroyed. Ive contacted my loan company and let them know that I couldnt obtain the vehicle because it has been destroyed and non-accessible. I paid for gap insurance the entire time. I am now apart of the class action maryland has for the people who suffered behind it. Due to me having to purchase a new vehicle and other expenses regarding this situation, it has been hard to maintain the loan which is affecting my credit. I would like to see if there are any options or actions I can take to be able to remove it.
Product: Debt collection

CBE debt collectors continue to call me daily, several times a day even though I have asked them not to call my cell phone. I have logged XXXX calls since XXXX, with today being XXXX. They need to stop calling and mail information if they think I have a debt to them, although, I have never heard of them until now.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit record, I discovered concerning late payment entries that require immediate attention. Despite my diligent efforts to address this issue, including sending multiple letters requesting validation more than XXXX  days ago, I have received no response or satisfactory explanation for these entries. This lack of communication and validation has left me in a difficult position regarding my credit status.
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 3 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 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

I've had fraud on all credit cards and bank accounts! reported this fraud to all! The dates are very sporadic charges. With XXXX different accounts, and sporadic dates of charges it is almost ridiculous to ask each date of each fraudulent charge. Also very inconvenient for me as I have This sucks and actually the last thing I would like to do with my day! So please just honor my request to freeze my credit thank you kindly!!!!!
Product: Debt collection

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX This company is reporting XXXX frauds- reporting on my credit file. 
My credit reports were compromised with data breach- I disputed these with credit bureau XXXX I was notified by XXXX that this debt was verified. Please see attached letter. 
The debt collector is stating that I owe on accts : XXXX & XXXX in the amounts of {$1900.00} & {$1200.00}. 

. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Debt collection

I have been harassed by Penn credit corporatatuon for a debt I dont owe on. Im called almost every single day being told that I need to XXXX Pay or else! Ive asked for statements and they wont give me them
Product: Credit card

In XXXX of XXXX there were several fraudulent charges made on my card. I called the credit card company and disputed the charges, had the card canceled, and just wanted to pay down the card so I declined having a new card sent to me. They did reimburse me for the fraudulent charges so I thought the matter was remedied, and I began to pay off my card balance. Just the other day around XX/XX/XXXX, I logged into my account and saw that one of the fraudulent charges from XX/XX/XXXX had somehow still been charging my supposedly " canceled card '' every month for around {$35.00}. Turns out the credit card company forgot to cancel the credit card number ( even though this is their standard policy and I explicitly asked for this ) that experienced the fraud and I would continued to incur close to {$2000.00} in fraudulent charges over the next XXXX years. I paid interest I did not owe, and my full balance most likely would have been paid off if they had taken care of this correctly. So I called immediately once I discovered this and had to call several times speaking with representatives, a manager, and then the manager 's manager. They found that my story was factual. They said still had the original call recorded from XXXX and verified all I said was true and accurate. The problem is they said they needed " a few days '' to correct everything since in addition to refunding the near {$2000.00} they needed to calculate the incorrect interest and adjust the higher than necessary payments I've been making for the last XXXX years. Anyway it's been more than " a few days '' and it still has not been fixed. They are still charging me the same full minimum payment and I haven't been refunded anything.
Product: Debt collection

Never got a letter or anything just checked my credit and there this Jeffcapsys for XXXX XXXX is for {$930.00} on a debt that I have never had. I talked to XXXX the account was opened when I was XXXX. Ive been u see my parents cell phone threw XXXX  my entire life : I have tried removing this but Jeffcapsys person on the phone says too bad pay or we will sue.
Product: Credit reporting or other personal consumer reports

INQUIRIES MADE BY PHONE ( DISCONNECTED IF REQUESTS ASK FOR LIVE AGENT ) AND EMAIL ( SAME FORM STATEMENT AND QUESTIONS PROVIDED FOR EACH EMAIL INQUIRY ) MY INQUIRY IS SPECIFIC TO A STATEMENT MADE AS CLARIFICATION FOR CHANGE EFFECTING LOW SCORE. 
1 ) WHAT COMPANY OR LENDER WAS RESPONSIBLE FOR -- CREDIT LIMIT DECREASE? 
" Comparing reports from XX/XX/XXXX and XX/XX/XXXX COULD HURT Your total credit limit decreased by {$500.00} Your credit limit decreased from {$14000.00} to {$13000.00}, which typically means either a lender decreased your credit limit or you closed a credit card account. '' 2 ) INCORRECT ADDRESS ATTRIBUTED, DELETE FROM MY REPORT : XXXX XXXX, XXXX XXXX ) CREDIT HISTORY DOES NOT REFLECT ACCOUNTS FROM OVER 50 YEARS? WHY?

I REQUIRE COMPLETE AND EXPLICIT EXPLANATIONS TO ALL 3 INQUIRIES.
Product: Debt collection

I was contacted by Levy & Associates last XXXX after they filed for a judgement against me in XXXXXXXX XXXX  Oh on behalf of XXXX XXXX XXXX. 

I immediately requester validation of debt and was told the last charge was XX/XX/XXXX. 

I have no knowledge of this account, they said it was {$3200.00} ( approx. ) I had a family member living in my home over the past 10 years that I only recently as XX/XX/XXXX became aware that they were stealing from me, committing fraud in my name and XXXX XXXX XXXX. The situaltion escalated and in XXXX of XXXX after confronted they became XXXX  and then XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had to go as far as replacing bank accounts, securing a civil protection order, home security system, etc. However I am still learning of favious fraudlent things they did. I believe they likely made these charges as they had access to my home, mail, bank account, credit cards. etc. 

I sent fraud affadavit, idenity theft complaint, etc. to XXXX XXXX XXXX XXXX XXXX and every month since I followed up being told they were investigating. Then XX/XX/XXXX I received notice they " disagreed '' and would continue collection efforts and to secure a judgement against me in XXXXXXXX XXXX XXXXXXXX. 

I called and asked what additional information was needed, what I could do and I was told my only option was to pay. I asked them what the charges were for exactly, dates, copies of signatures/receipts, etc. and I was told to contact XXXX XXXX. I have no information for XXXX, they told me to XXXX it and I did and could not find a mailing address or anything. 

They said the last charge was XXXX. This is not on my credit report. I have lived at the same address since XXXX and had the same phone number and this was not present. 

I did not place any charge with XXXX and do not know what the bill is for. I believe they should provide details prior to filling a court case against me for an alleged charge in XXXX also I don't know if it was one charge or many. I have no information
Product: Debt collection

JPMCB bought an alleged debt from a company and are performing aggravated identity theft and is trying to collect from me by extortionate means
Product: Checking or savings account

I would like to link my PNC account with XXXX and am not able to
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't apply or have no knowledge of these account these account are fraudulent and i will like these account removed are my credit report.
Product: Vehicle loan or lease

XXXX is the original complaint but they didnt accurately resolve it. they said the reason the loan was denied at the end is because they didnt know what the car i was buying until i got the info from the dealer when the car came in. this is not true though, i told them several times what car i was buying and they knew the year, make, model and trim. that is how they knew the total loan amount was XXXX. XXXX for the car and XXXX for the inquity. they have some vaguely worded disclaimer on the approval email they sent me ( they approved me verbally multiple times too ) that neither i nor the dealer understood what it meant.
Product: Checking or savings account

I had a business account open with Bank of America. About 3 months ago this account was closed and the mailed me a check for the balance of my account in excess of {$8000.00}. I received the check and due to an issue with trying to deposit it, I did not receive the funds from this payment. I called Bank of America in effort to resolve the situation, and was informed that I would need to wait for 90 days for the original cashier 's check to expire in order for them to issue me a new check. I called them sporadically during those next 3 months to confirm this information and stay updated on the status of my check. I was never notified of any change in the situation and was always given that same basic information that I would need to wait for the check to expire. I called them today, XX/XX/XXXX, the day after the check should have expired, and was told that they issued me a new check and mailed out on XX/XX/XXXX. I have not received this check. Now they are telling me I need to wait until that check expires, another 90 days, for them to issue me another check. I have been waiting for 3 months to get my money. And now I'm being told that they went against their own policy that they've been holding on to for the last 3 months and issued me another check without my knowledge, that I did not receive and I can not wait another 3 months to get paid. This is ridiculous and unacceptable. I need my money. This money is my back payment from my unemployment as I am currently unemployed and I desperately need these funds. I have already patiently waited far too long, to have to deal with this bureaucratic XXXX from a bank. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and there is a XXXX account on my credit that I had called XXXX and closed due to it being fraudulently opened. XXXX agreed to close the account due to the identity theft. I requested for XXXX and Equifax to remove the account from my credit report however, it is still somehow there. I need this fraudulent account removed from my credit report as soon as possible considering the fact that I closed this account due to identity theft. Please remove this account from my credit.
Product: Credit card or prepaid card

XX/XX/14 call on my XXXX  call was informed no pymt due
Product: Credit reporting or other personal consumer reports

on XX/XX/year> i checked my XXXX  XXXX, i than noticed a hard inquire on my account that i do not recognized, clearly it was due to XXXX. i have been going thur this for at least XXXX and a half months where people gotten hold of my information and tryied to get criedit cards in my name, and also fill out for laons. the inquire came from a personal loan company. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a notification from myXXXX  which monitors my credit report of a collection account attempting to collect a debt for an account which had been paid to the XXXX XXXX XXXX XXXX. 

I contacted the company which has the debt IC System and explained that I did not owe the debt for an old light bill in XXXX and which had been transferred to my current bill. The representative whom I spoke with explained to me that I would need to dispute it with XXXX XXXX which I did. 

I received a billing history with an email from the XXXX representative informing me the bill was paid in XXXX. XXXX has engaged in backdating old bill to show them as delinquent and then contracting with a collection agency to collect on a debt which was not owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXXXXXX XXXX XXXX account # XXXX, has Violated my rights. 

XXXX XXXX XXXX # XXXX, has Violated my rights. 

XXXX # XXXX, has Violated my rights. 

XXXX XXXX XXXX # XXXX, has Violated my rights. 

XXXX XXXX # XXXX, has Violated my rights. 

XXXX XXXX XXXXXXXX XXXX # XXXX, has Violated my rights. 

XXXXXXXX XXXX XXXXXXXX XXXX # XXXX, has Violated my rights. 


15 U.S.C 1681 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. 2 : It also states a consumer reporting agency can not furnish account without my written Instructions.
Product: Credit reporting or other personal consumer reports

This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " XXXX  by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the XXXX in my defense. I expect to receive the proof requested above within 15 days of this letter. 
Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke to capital one for the 3rd time within 4 months about inquires on my credit report they are telling me to contact the credit bureau which I did several times they are reporting inaccurate information on my credit report and it's against the law to put inquires on someone credit report without them signing anything please delete this ASAP thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous disputes regarding the reporting of XXXX XXXX XXXX reporting inaccurate information. Transunion has allowed them to correct dates that were wrong which indicates they have communicated with XXXX XXXX directly. I actually received a letter from XXXX XXXX outlining dates of payments and the date the account was sold to a third party. 
The information on my credit file shows a chapter XXXX filing which is a payment plan. XXXX XXXX states on the credit file that a last payment was made XX/XX/XXXX when they first stated the last payment was in XXXX. XXXX. XXXX XXXX states in their letter to me that they were notified of a filing by me on XX/XX/XXXX but provided no proof. Also they said they sold the loan to XXXX XXXX XXXX on XX/XX/XXXX after charging this account off on XX/XX/XXXX. A letter from XXXX states that they bought the loan not XXXX XXXX XXXX onXX/XX/XXXX.They also state that this account was charged off in a chapter XXXX bankruptcy not chapter XXXX. 
This account has been inaccurately reported for over 3 years with Transunion claiming they have investigated this account with the creditor which actually don't have the account! That in itself is a violation of the FCRA. 
I have provided copies of paperwork of the above mentioned facts which has been ignored. The original creditor information is incorrect to the dates and who they sold they account to. Also they no longer have the account and is reporting inaccurate information about a chapter XXXX bankruptcy that they haven't provided any proof exist. The same chapter XXXX that was deleted from my XXXX  file during my complaint to the CFPB ( reference complaint # XXXX ). 
There's a bankruptcy under XXXX XXXX XXXX XXXX which is not me. Im just XXXX XXXX XXXX. I believe the items reporting on my credit file ; XXXX XXXX XXXX acct # XXXX and XXXX   acct # XXXX belong to that individual and are being reported under my name and credit file.
Product: Debt collection

Midwest Fidelity Service is a debt collector for easy home rent to own previously done business with easy home the items I had were stolen which is covered under insurance that is required to have on everything so I'm no longer responsible the whole purpose of them making you pay for insurance is for damages and theft
Product: Checking or savings account

My Wells Fargo account has been receiving overdraft of XXXX dollars and higher and I would like it to stop
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize this company and I do not owe them, remove this from my credit report..I already sent letters to the credit bureaus to no avail..CFPB step up and remove 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, Chapter XXXX Bankruptcy XXXX, Chapter XXXX Bankruptcy XXXX
Product: Debt collection

XXXX was used in an XXXX business and we closed it. the business has since shut down. I have a XXXX personal account which I currently use. The business account debt is showing up on my personal credit under transworld systems in the amount of {$870.00}
Product: Checking or savings account

I am filing this complaint because I have tried several times to file a claim for fraudulent activity on my Wells Fargo accounts. Money has been transfered online from my Personal Line of Credit to my checking accounts in large amounts then withdrawn out of the ATM right after. None of this activity was me. There also were two payments onto the personal line of credit online that was not me also. This activity was from XX/XX/XXXX to XX/XX/XXXX My first claim was made in XX/XX/XXXX. My claims have been denied due to their reasoning stating that I authorized these transactions because it was in my account. These transactions are withdrawn in large amounts. There was no need for me to need over {$5000.00} in such a short amount of time. I do not have any other bank accounts and did not make any large purchases around this time. In XXXX of XXXX, I received a new debit card due to a lost wallet. I have continuously asked for the surveillance for these dates to be released because none of the activity with my personal line of credit was authorized by me. When I make a claim with personal line of credit claims they tell me to make a claim with the checking claims. When I make a claim with the checking claims they tell me to make a claim with the personal line of credit. I have been given the run around for months. Whoever is using my card at the ATM has all of my information and is making online transfers so they have my PIN also. They have all of my information. My credit card with Wells Fargo has been closed due to this activity and both of these closed accounts ( Credit Card and Personal Line of Credit ) have been closed late XXXX and appear on my credit statements! These dates and amounts are as follows for online transfers AND withdrawals : XXXX {$300.00} XXXX {$700.00} XXXX {$500.00} XXXX {$700.00} XXXX {$700.00} XXXX {$480.00} XXXX {$240.00} XXXX {$600.00} XXXX {$700.00} XXXX {$800.00} XXXX {$500.00} XXXX {$700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, This is a complaint about fraud alert on my credit, this I see Unautorized hard inquiry made with and I didn't apply for any kind of credit Alert Date XX/XX/2019 Alert Id XXXX Alert Type New Inquiry Inquirer Name JPMCB CARD SERVICES Phone Number ( XXXX ) XXXX Industry Type Bank Subscriber Address XXXX XXXX XXXX, XXXX, DE, XXXX so right away i called XXXX  and placed a fraud alert on my credit
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 : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXXXX/XX/XXXX 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.