23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received a call from XXXX. When I answered there was no one on the phone and after several seconds the caller hung up. When I called back a man answered and did not say the name of the company or that he had called me in an attempt to collect a debt. He told me he was calling about a payday loan I had taken out with XXXX XXXX Loans in XX/XX/XXXX. He said he wanted to know what I was going to do about it. He never told me the name of the company that he was calling from but told me that he has tried to contact me several times which is false. I have had the same phone number for over 10 years. I told him that it is now XX/XX/XXXX and in the state of Arizona payday loans are illegal and he should not be contacting me regarding a debt over 7 years old. Once I said the word illegal he seemed flustered and said that he had to terminate the call. Then he hung up. In the past I have taken out payday loans but I do not remember taking one with XXXX and I do not recall how much the loan was for. The man I spoke with said my account number ended in XXXX digits and when he said the XXXX digits they were the last XXXX of my ssn. Now I am worried that I may have a identity theft issue
Product: Credit reporting or other personal consumer reports

The credit reporting agencies were made aware of the fraudulent activity on my report. They did not follow the federal procedures.
Product: Debt collection

The assumed account was placed on my credit report from consumer adjustment co. The original creditor is XXXX XXXX XXXX XXXX XXXX. It was placed on my report on XX/XX/2021. I have no knowledge of this at all. I've had my identity compromised and had to file police report.
Product: Checking or savings account

Good day sir/madam, My name is XXXX, my Chase Checking Account was hacked on Friday, XX/XX/2022. I received an automated Chase Fraud Alert, and I Declined the transaction. That morning not sure how they did it, but the Hackers took {$1400.00} from my checking account without my Authorization. I've been disputing and fighting this for over 2 months, and Chase is declining my request. I had provided XXXX Gas Receipt, Police Report, and Bank Statements. I can not be in 2 Places at once, I had told them, I was gassing up at XXXX XXXX, NJ ( XXXX ) and the ( 2 ) transactions took place in Chase Branch XXXX XXXX XXXX XXXX NJ ( XXXX or XXXX ), it's a XXXX drive depending on traffic. Supposedly, according to Chase Representative, the transactions were done using Phone Tap feature. I DO NOT have that feature on my phone, I use a physical card, as I mentioned to Chase Claims/Fraud Department . Please review and advise if you can help me out. 
thank you in advance, Sincerely, XXXX
Product: Vehicle loan or lease

Requested original contract with my signature to verify accuracy of account which Ive never received From FREEDOM TRUCK FINANCE , LLC reason Im requesting to have this account removed from my XXXX credit profile immediately and indefinitely. XXXX and XXXX as already deleted this account due to it not being able to be verified.
Product: Debt collection

This is a formal complaint against Rent Debt Automated Collection located in XXXX, TN. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX and XXXX. And not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Rent Debt Automated Collection has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

to remove all my credit inquiries on file
Product: Credit reporting or other personal consumer reports

I reached out numerous times, i want late they said they would reverse it and never did and i can't get proof
Product: Credit reporting, credit repair services, or other personal consumer reports

I set up a payment agreement XX/XX/2019 with this collections company for a debt that I had. They were supposed to send me updated statements monthly as well as report my balances to the credit bureau month to show my payments and the decrease in my amount. My monthly payments are about XXXX for 6 months and at this time they still have my outstanding balance as XXXX. This is affecting my credit score because it seems as though I havent made payments and its affecting my debt ratio. Ive made several attempts to contact them and they keep saying that they havent received my request or I have to wait.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Balance Owed : {$2100.00} CITI XXXX Balance Owed : {$2100.00} FOUNDATION F XXXX Balance Owed : {$3600.00} LXXXX 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: Debt collection

This company is reporting to XXXX  on my consumer credit report that a debt is owed to them. I have not received any communication regarding this debt from this company, or an opportunity to dispute the validity of this debt. This company is in violation of the Fair Debt Collection Practices Act ( FDCPA ) section 809. Their negligence has caused me distress and is hampering my ability to obtain credit.
Product: Debt collection

In XX/XX/XXXX I lost my home to foreclosure. There was a XXXX and XXXX mortgage, both held by PNC ( aka National City Bank ). XXXX mortgages were recorded. 6 months after the foreclosure, I was contacted by PNC as to how I was going to payoff the XXXX mortgage, which they called a line of credit. I told them it was discharged in the foreclosure as under my state 's laws a MORTGAGE lender has 3 months after the foreclosure to file a deficiency suit, which they did not do. So, I received XXXX 's for XXXX the XXXX and XXXX and filed them with my XX/XX/XXXX tax returns. The following year I received a letter from a collection agency on the XXXX. I disputed it and it went away. The next year a different collection agency contacted me again on the same already discharged debt. Again I disputed and it went away. Then in XX/XX/XXXX XXXX XXXX contacted me demanding payment on the same discharged debt. I provided all the docs disputing it and heard nothing more. Then I discovered they had put it on my credit report, which I disputed it with the credit bureau and got it removed. 30 days later they put it back on now as XXXX XXXX, XXXX reporting. I disputed it with the credit bureaus again and again got it removed. Today XXXX/XXXX/XXXX I received from XXXX a XXXX Mortgage Discharge for this XXXX mortgage that was XXXX in XXXX. I 've heard and read multiple places of this criminal activities by XXXX XXXX which has been closed down by the Feds, and now is XXXX XXXX doing exactly the same criminal things.
Product: Credit reporting or other personal consumer reports

XXXX, TRANSUNION, XXXX is breaking the consumer law pertaining to : XXXX account # XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with litigation. 
SSN XXXX CARD HOLDER
Product: Debt collection

Called them because I received notice, asked it it was different than my original provided XXXX XXXX as I had already received bill and made payment, customer rep rude rude and repeated I had received, told them I dont deny that however want to verify and yes I am making payment as I just received it from your company but not and invoice from XXXX  XXXX. Made payment too but customer rep was rude and used demeaning tone to Insult despite making payment. She would not let me finish talking or explaining my situation.
Product: Credit reporting or other personal consumer reports

I have no knowledge of these accounts! & Pursuant to 18 USC 8, I owe no debt. These companies is violating my consumer right to privacy pursuant to 15 USC 1681b These are the accounts that Ive continuously tried disputing and to no avail have they done the correct investigation to remove these inaccuracies. 
- XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX They are reporting falsely through each credit bureau.
Product: Credit reporting or other personal consumer reports

1692c ( b ), which, subject to certain narrow exceptions, prohibits debt collectors from communicating with third parties in connection with the collection of any debt.

I have reached out to the creditors several times to get the inaccuracy removed!
Product: Credit card

On XXXX I rented a vehicle from XXXX in XXXX, XXXX, XXXX. I charged this rental on my Chase VISA card ( XXXX Mileage Plus ) and I thought, chose to waive the damage waiver because Chase had sent me an email that such insurance coverage would be provided if I used this card to pay for rentals overseas. Apparently I accepted damage waiver, but with a XXXX XXXX payment due if I had an accident. On XX/XX/XXXX I had a blow out on the left front tire, requiring towing and replacement of the tire, then on XX/XX/XXXX I scraped the left side of the car on a narrow, walled road in XXXX. I returned the vehicle on XX/XX/XXXX and was charged XXXX XXXX in additon to the rental charges. I submitted a claim to Chase and provided them all supporting documents describing the damage and repair costs. They declined to cover the charges of {$910.00} stating that I had failed to affirmatively decline the Collision Damage Waiver on the rental agreement. It appears to me that I declined the Rental Company 's insurance by taking responsibility for the XXXX XXXX excess damage waiver. I feel that Chase is misleading customers into using their credit card by offering this insurance coverage yet denying claims that are seemingly covered. Had I known I would have had to go through so many hoops only to be denied, I would have opted for the rental car insurance coverage.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is some negative information on my XXXX account that is beinf reported. It should be removed due to error. Please see attached.
Product: Credit card or prepaid card

I pay all my bills on the 1st-2nd of each month. If I can pay more later ; I will if there is a balance. I paid {$250.00} on my XXXX XXXX XXXXXXXX card on XX/XX/XXXX. My minimum due is {$25.00} due by XXXX of every month. I reviewed my statement for XX/XX/XXXX and found I was charged a late fee with interest of {$25.00}. I called customer service and spoke with XXXX a rude representative and XXXX XXXX XXXX account supervisor. I was advised a late fee is charged if the bill is paid before the statement closes even if it is with in the same month. I asked her to show me this on my statement. As a consumer I had never heard of that and it certainly isn't in the bold print on my bill that says " PAY THIS AMOUNT BY THIS DATE OR THIS WILL BE CHARGED ''. I have 2 Credit Cards with Capitol One and an auto loan. I don't make it a habit of being late or receiving fees. I asked for the {$25.00} fee to be removed because this information I was not aware of. A late fee is applied in the same month as a payment meeting or exceeding minimum. I was advised they could not do this. The reasoning and charging late fees for a bill paid on time is not right.
Product: Debt collection

on or about XX/XX/XXXX, the complainant and my domestic partner purchased a XXXX XXXX XXXX from XXXX  XXXX auto sales in XXXX XXXX XXXX. 

on or about XX/XX/XXXX the XXXX XXXX fusion was repossessed by XXXX XXXX XXXX and resold about 3 months later. then on XX/XX/XXXX, ACA charged out the remaining debt through a 1099c absolving us of any debt and making us liable for taxes only to the IRS. 

on or about XX/XX/XXXX, XXXX Jefferson Capital Systems bought this non-owed debt probably in bulk from ACA, and began their campaign of harassment and intimation. 

on or about XX/XX/XXXX, began reporting negative information on my consumer credit claiming we owe jointly XXXX dollars and have consistently been reporting this negative information for the last 28 months causing both consumer credit reports to drop at least XXXX points when no debt is even owed. ( a total of XXXX times each on both sets of our consumer credit reports. ) while at the same time consistently mailing collection letters and making collection calls. 
then on XX/XX/XXXX, Jefferson Capital Systems filed suit against me and my domestic partner in the XXXX XXXX XXXX XXXX in XXXX XXXX Iowa. after answering this suit and my XXXX partner promptly filed a motion to dismiss of which a hearing was scheduled about 30 days out. during this 30-day period, i sent a debt validation letter to both the attorneys of record and the company it represented. 

requesting : the original contract between ourselves and ACA ( not attached to suite ) and other things listed in the law suite .

it was during this time I contacted ACA and was informed that the debt was discharged and a 1099c was filed. a simple phone call.

I promptly filed a motion to dismiss as no debt was owed hearing was granted after Jefferson capital systems were made aware a continuance was granted then they moved to dismiss but by now both our consumer credit report was in shambles and of this could have been avoided with simple due diligence on their behalf.
Product: Checking or savings account

Amount : XXXX it was a dispute. And bank credited the dispute. And cause my account to be negative overdrafted. I did not authorized no claim nor dispute on my payment to XXXX XXXXXXXX.
Product: Student loan

I owe uheaa {$1100.00} Im on a Disbursement plan while Im collecting interest. When Im being told by legislators that a bill was sign to help with student loans. I was terminated from my job from getting injured on my job making me temporarily XXXX. My account number-XXXX
Product: Credit reporting or other personal consumer reports

I have sent dispute letters to XXXX, XXXX, and Transunion 5 different times. I have not recieved any results from them. I have attached my 3 bureau report showing all of the errors in the account. Please help me resolve this matter.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$350.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$950.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$4800.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NY XXXX XXXX Employers : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX ; XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX below XXXX the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX | XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX It is with sincere disappointment that I present to you the detailed enumeration of the concerns I have meticulously compiled pertaining to the reporting undertaken by your esteemed organization, as explicitly documented in the accompanying file. Regrettably, it is evident that the aforementioned reporting falls short in terms of completeness and fails to align with the standards I hold paramount. It is imperative to emphasize that, in accordance with legal provisions, it is incumbent upon both your organization and the data furnishers involved to diligently certify all facets encompassing the requisite Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. Such certification must be executed with unwavering dedication to truthfulness, accuracy, completeness, and timeliness, in order to ensure the utmost protection of my consumer and civil rights, thereby averting any inadvertent violation thereof.
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 U.S.C 1681. 

XXXX XXXX XXXX XXXX, has violated my rights. These are the accounts I demand removal Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # 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.
Product: Mortgage

I closed on a 30 year construction loan with BBVA in XX/XX/2019. During the loan application process i was told that i had to get my loan to XXXX XXXX as thats all i would qualify for based on my LTV ratio. I got my build costs to this number. When the appraisal came back the property and plans appraised for a higher value then estimated so I was told by my mortgage broker at the bank that I now had an additional XXXX to spend on building the house. This took my loan to {>= $1,000,000}. At no time during the loan process or in any disclosures were there any additional closing costs or closing draws documented. 4 months after closing my loan i met with my builder to discuss funds used for construction and I thought he had lost XXXX as i was paying interest on XXXX  since i closed my loan. Come to find out BBVA took this XXXX and applied it to a closing draw. I communicated this issue to my broker and he and I were still on the same page that the money was supposed to go to build the house and that all closing costs were already paid. When we went further up the ladder at BBVA they said he did his ratios wrong and that he took equity into play when he shouldnt have. I have this phone conversation recorded between him and his boss. My broker clearly tell his boss that the XXXX was respresented to me as build costs and not to a closing draw however they are still unwilling to make it right. If you would like this phone recording please let me know as they clearly lied to me to get my business.