23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is a XXXX XXXX debt which was disputed by me in XXXX XX/XX/XXXX I paid XXXX and owed another XXXX usd but due to covid they sold this debt for XXXX usd to resurgent in XX/XX/XXXX, XXXXXXXX XXXX  never wanted to collect the money from me and i also asked for statements repeatedly but never got XXXX. Resurgent is forcing me to pay XXXX usd as owed and i had written various letters to resurgent asking for statements but they have not, they have put derogatory status in my credit reports and incorrect reporting causing me to have a bad score and bad repute which has affected my mental health
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
Product: Debt collection

I am writing to express my deep dissatisfaction with your decision to decline my identity theft claim. It is essential to clarify that your organization lacks the authority or legal position to determine whether I have been a victim of identity theft. Only I, the individual directly affected, can ascertain this fact. 

The following accounts are NOT MINE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Your refusal to acknowledge my identity theft claim compels me to take this matter very seriously. Should you persist in declining my position, I will not hesitate to consult with my attorney to pursue all available legal remedies to rectify this situation. I trust that it is in both of our interests to avoid such an unnecessary legal course of action. I reject your offer & advise you to process my dispute per FCRA laws. Otherwise we will be seeking a legal remedy in this matter.
Product: Debt collection

Southwest Credit Systems placed a debt on my credit. 

They placed this on my credit bureau reports concerning charter communications for {$110.00}. 

I have never entered into contract with either company. I have been with XXXX XXXX XXXX  since XX/XX/year>. 

I returned all equipment back to XXXX when I terminated business with them in XX/XX/year>. The last account I had with XXXX XXXX was a XXXX XXXX internet account in XX/XX/year>. My last payment to this account was made XX/XX/year> and all equipment to the old location at the counter on XXXX XXXX XXXX to XXXX XXXX. 

XXXX XXXX was more interested in speaking to her co-workers at the time with a lobby full of customers than she was in properly returning my equipment and providing me with a receipt for the return of modems. She had an extremely XXXX attitude throughout our entire process and scoffed at me when I asked for a receipt of the returned equipment and a XXXX balance statement on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a Victim of fraud, my identity was exposed on the XXXX XXXX from the XXXX Equifax data breach and the XXXXXXXX XXXX  breach. I demand this account be deleted immediately and blocked from ever reporting on my credit report. The law prohibits any fraudulent accounts from being reported on my credit report. This has defamed my character and dropped my credit report by over XXXX points. I demand immediate removal failure do so will result in XXXX per violation escalation to CFPB, FTC, and FDCPA. I demand all accounts listed to be removed and blocked from any future reporting.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I received certified mail XX/XX/XXXX from BMO/Harris bank about repossessed car that i had cosigned on loan. I have never received any calls, letters or any type of communication from Harris bank prior to certified letter, and after they repossed car. BMO reported to credit agencys and my credit score has been very negatively impacted by more than XXXX points. Again i received no notices, letter, or phone communication of any kind, no notice to cure, nothing period! they repossessed car.
Product: Credit reporting

I checked my credit report and I found information on a home loan that took place in XXXX when I was still in high school ; This information I was not aware of. Also, there was details about a car loan in XXXX that I was not aware of either.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX Balance {$1000.00} XXXX XXXXXXXXBalance {$0.00} XXXX XXXX-Balance {$0.00} XXXX XXXXXXXXBalance {$0.00} XXXXBalance {$450.00} XXXX Balance {$410.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX My name is XXXX XXXX XXXX please delete any and all variations of my name they are not accurate. I have some issues with addresses on my file that are not mine. Please remove the following addresses from my credit report they are not accurate please remove delete ASAP : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX i HAVE NEVER USED ANY SOCIAL SECURITY NUMBER ENDING XXXX PLEASE DELETE IT FROM MY CREDIT FILE. THE FOLLOWING NUMBERS ARE NOT MINE : ( 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 I DO NOT WORK FOR ANY OF THESE COMPANIES ERRORS PLEASE DELETE : XXXX   XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX* Balance : {$570.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX, Trans Union has continually reported inaccurate credit information in my credit file and violating the Fair Credit Reporting Act ( FCRA ). I had disputed the credit accounts more than XXXX times with all three major credit bureaus, this included the online credit accounts, and by numerous of phone-to-phone conversations regarding the credit inaccuracies. I had even provided online bankruptcy documents to aid in correcting the information in my credit file as well.
Product: Debt collection

Called Chase Receivables at XXXX on XX/XX/19 to discuss their balance because the original creditor had written off 25 % of the balance for charity. The collector ( I believe her name was XXXX XXXX ) was rude and refused to correct their balance or reach out to their client to get corrected and kept trying to get me to pay more than was owed. I refused to do that, and advised I would call the original creditor again to inquire about why the change in balance had not been communicated. 

Upon speaking with the original creditor, they advised they would email the collection agency again to have them adjust their balance. 

The following week, on XX/XX/19, I called Chase Receivables once again to discuss my account. The representative that had been rude previously was unavailable and the person that answered my call originally assisted me. I confirmed the balance adjustment had been done, and asked if they were able to do a settlement on the account to resolve the account. They offered a 20 % reduction and advised I could pay in 2 payments. I agreed to pay this, and set up a payment for half that day, and the remaining half a month later, provided my payment information and completed the payment. We ended the call pleasantly with no issues. The payment processed through my bank account and I received confirmation of such immediately. 

In the 40 minutes following the call, I received FOUR phone calls from Chase Receivables over and over with no messages being left. Frustrated with the interruptions to my work, I finally answered the 4th call. It was the rude representative I unfortunately had to deal with on XX/XX/19. I immediately advised I had already made a payment to resolve this account and she told me I had not made a payment, and that the settlement offered to me was not valid and started rattling off amounts that I would have to pay. Extremely irritated from the harassing phone calls and her rudeness basically telling me I was lying ( again, like she had with the balance issue originally ), I just plainly told her I was not doing that ( making these other payment amounts ). Immediately she put me on hold muttering something about her supervisor. 

Moments later, her manager ( XXXX XXXX ) got on the call and apologized for the confusion with the settlement and advised they were going to honor the original agreement. I inquired why the rep was harassing me by phone, advising it was against the FDCPA to do so. He confirmed it was a violation of the FDCPA and stated he did not know other calls were made. He advised no one would call unless my payment in XXXX for the second half of the settlement did not go through. 

This collector is out of line on how she is treating people that are making an effort to resolve their accounts. But more importantly, there is clearly a breakdown missing if the collector does not know that phone harassment is illegal, and the company does nothing to prevent this from happening. I was not trying to avoid paying my bill, in fact it was the opposite and she made it so frustrating and difficult.
Product: Mortgage

I am so frustrated and fed up with this company that defaulting on my mortgage would be a XXXX send so that I would n't have to deal with their lackluster customer service and lack of feedback or response to any of my valid complaints. I am delinquent and have tried to see if Nationstar would work with me on a possible loan remodification which I was unsuccessful at. I have made dozens of calls trying to get some assistance but nationstar does not have a customer service line where you can actually speak with a representative. I am disgusted and unfortunately out of options and the only thing I have left to do is file yet another complaint. I have filed NUMEROUS complaints on this company from using this agency, to the BBB, the DOJ and anyone else XXXX search tells me wlll help. All I want is customer service and assistance. I quit my part time job so I can get my XXXX out so I can catch up on my mortgage while I attempt to find new FT and PT employment. My goal is to have this mortgage caught up by next month but I want to know of my options which no one at Nationstar is willing to divulge because they have no customer service department and the person handling my account does not exist. I missed her call today and called back immediately only to get her voice mail. I left one of numerous messages for this XXXX XXXX but have been unable to reach despite my numerous attempts. Please investigate this company for its deceptive practices. I feel this business is a fraud, a cloak and a front to steal people 's homes from under them by not offering them customer service or assistance. I do n't know what else to do except to file yet another complaint. And I will continue to file complaints until Nationstar addresses my concerns regarding their deceptive business practices.
Product: Payday loan, title loan, personal loan, or advance loan

I borrowed a loan for {$550.00} around the beginning of XX/XX/year>. I lost my job unexpectedly do to getting injured from lifting a very heavy box at XXXX a few days later. I let them know I was unable to pay this loan. They told me they could put it in deferment until it just went into collections. However, 2 months later, which is now in XXXX, they are trying to charge me {$59.00} a week. I was told that I now owed {$2000.00} instead of {$550.00}. They claim to be a tribal lender so they say they are outside the state law. They didn't put this loan into collections, and now they won't stop attempting to pull money from my bank account. I am a totally XXXX person living on social security since the loss of my job, I can't pay this loan, I can barely even pay my rent. This is very predatory for the price to now be over {$2000.00}
Product: Bank account or service

l am not one to complain but in this case l feel l must. 
HSBC breached my privacy by giving my sister all account balances and activity for myself and my parents. 
When I learned of this I contacted the branch manager, XXXX XXXX. He sent me a letter of apology for what had happened ( see attached ) and admits to an unintentional oversight. Apparently her " buddy '' in the branch had no problem giving her whatever she asked to see. 
This oversight caused a legal battle due to information that was given to my sister that she had no business knowing. 
Although this happened in 2013, Litigation is still currently in the courts relating to this unthinkable act precipitated by the bank. 
I always thought my confidentiality was between me and the bank and never to be compromised. 
I recently contacted HSBC 's legal department ( see attached ) and was sent a two word answer. They did not want to hear it, help, and was totally disinterested. 
When I questioned this response, lwas told to contact the two regulatory agencies with the complaint and they would then get it back and at that point they would have to re-examine. 
Needless to say, this unintentional oversight has cost me great monitory hardship, not to mention the legal fees. 
I am asking you to investigate this breach of privacy. 
Thanking you in advance for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN 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 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. 


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

I have contacted all three credit bureaus multiple times XXXX XXXX, XXXX XXXX and XXXX XXXX, XXXX regarding XXXX hard Inquiries and XXXX car loans on my credit report that is caused by fraud. I have filed a police report as they have asked me and also an FTC Identity theft report. Placed credit on a fraud alert. I have provided to them all this information and copies of the documents as well multiple times. They have n't investigation as they are support to in cases of identity theft. Additionally there are collections that were paid that should be removed from the account. I am requesting this inaccurate account is removed from all three of my credit reports XXXX, XXXX, and XXXX Immediately! I would also like a letter and undated copy of my credit report once this has been completed.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent my FTC Report, PA license to TransUNion. I have fraudulent information reporting on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In a correspondence to the consumer reporting agency in XXXX XXXX XXXX. I requested proof of my consent regarding the following items on my credit report. 
XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX sold to XXXX XXXX XXXXXXXX As of today, XXXX have not received any proof of my consent to this company to share these accounts, nor was I given the option to opt out I would like to inform the CFPB that my rights have once again been violated by this consumer reporting agency, According to 15 U.S.C 6802- Obligation with respect to disclosures of personal information ( B ) the consumer is given the opportunity before the time that such information is initially disclosed, to direct that such information is disclosed to such third party. And ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option in correspondence to the consumer reporting agency.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  has continued to report incorrect information to my consumer report. I have disputed this information multiple times stating I have no one of this account however they continue to report this negative information.
Product: Money transfer, virtual currency, or money service

Hello Consumer Financial Protection Bureau, my PayPal account balance of XXXX can not be linked to the bank to withdraw cash. I have contacted PayPal customer service representatives many times, and the problem has not been resolved. Please help me, thank you
Product: Debt collection

Received several calls from this company, but they did not leave a message. I called their number, and asked repeatedly what company they were calling from ; what they were calling me in regards to ; what was the name of their company. Their employees refused to answer my questions, instead they just put me on hold and transferred me to another person. Then they would hang up. I called back again, and finally one of their representatives told me the name of their company was Trans World Systems. They did NOT tell me that this was in reference to a debt. They asked for personal information ( my name, address ) but refused to tell me why. Finally, I told the person that I would be filing a complaint with the FTC if they ever called me again. I asked them to confirm that I had told them not to call me, and the person said yes. Many times during my call, I asked them what this was in reference to, and they refused to answer. The only reason I know that they are debt collectors is from Googling the name of their company. I have not been told what debt this is in reference to, so I can not make any judgment about whether it is an actual debt, or a complete scam. They totally ignored their government requirement to tell me that their phone calls were in reference to a debt. In addition, I believe that they are attempting to mislead consumers with their name. It would be easy to confuse their name ( Trans World Systems ) with the legitimate company XXXX XXXX.
Product: Checking or savings account

Chime has a policy that states you can send money to anyone even if they do not have a chime account. 
They are engaging in predatory behavior by not reversing money they sent erranousely due to poor record keeping on their behalf. 

I sent {$100.00} to a friend on XX/XX/XXXX. This friend does not have chime so I option to send money by using their phone number. Before sending the money, I checked XXXX to be sure the number was correct. I went so far to ask him verbally before sending the funds. 

After I hit send I checked with my friend to be sure they received a text, they did not. 

I logged back in and saw it went to a person with a chime account that I do not know, I called chime immediately ( less than XXXX mins ) and they said they couldnt reverse it since it was no longer processing. During this conversation they removed the phone number from the chime account belonging to the other person. ( I tried to send the person a request to return the funds but since they removed the number from their account the request to return the money I sent went to my friend. ) They made me file a dispute claim that was supposed to take XXXX days they made a decision within a day I submitted screen shots that show my friends number has been the same since XX/XX/XXXX. After their denial on my dispute I sent a request for the documents used and they responded - the phone number was correct and they would not be reversing the charge. They used no documents to support their decision. And fails to recognize the issue is not the number rather the issue is that they sent it to a person who no longer has that number. 

Chime is negligent by not maintaining contact information for their users. And if they are unable to do so, should reverse their policy so that you cant send money to any person if they arent account holders and transfers should be limited to chime to chime account holders
Product: Debt collection

They have repeatedly contacted family members with whom I have never lived with, even after being told to cease contact by both them and me. I have asked for a written account for what they believe is owed, which I have not received.