23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I revived a letter from Midland Credit Management stating I had an outstanding debt with a credit card company and it was dated XX/XX/XXXX, XXXX 
They stated in the letter if I did not pay within 14 days there will be a warrant for my arrest and incarceration with the state of XXXX XXXX Case # XXXXThey also used an attorney 's name with a Bar ID in the signature portion of the letter.. Now I personally am aware you can't be arrested from a debt collection agency for an old debt or any debt.. 
I suffer from severe anxiety and XXXX and I'm on XXXX and don't need a credit agency making false threats.. At first I believed it but called a fiend who is a private attorney and they said its a tactic they use to scare the consumer.. Not to worry.. This is pure harassment and should be handled by the local authorities..
Product: Vehicle loan or lease

I just want to know what choices do I have as a consumer. The car loan company is Santander Consumer USA. I obtained a loan from this company for a used XXXX XXXX XXXX. The car broke down in XXXX after many financial setbacks to repair the vehicle. So I went to a dealership to trade in the vehicle. I still owed roughly 3000 dollars on the vehicle in which my note was XXXX and I paid from XXXX to XXXX. I was then put in a XXXX XXXX XXXX at XXXX. I have been paying on the vehicle since XXXX to Santander Consumer USA. According to Santander or XXXX is what I like to call them, I still owe over 9000 dollars. I just need to know what can I do. I have paid this company over 50,000 within the last eleven years and I still don't own a car. Also my maturity date in XXXX of XXXX.
Product: Debt collection

I have asked the company ACIMA to stop calling me because I do not work at this time and dont have any income coming in. They keep calling everyday after I asked numerous times to please stop. It is becoming very frustrating.
Product: Debt collection

Cashnet USA account was opened in my name back in XX/XX/2017 and was not opened by me. There is identity theft going on and Cashnet USA needs to be removed from my credit report.
Product: Debt collection

I am writing to formally address my ongoing dispute with AllianceOne Receivables Management Inc. regarding an alleged debt of {$3300.00} that they claim I owe. Despite my repeated requests for debt validation, I have yet to receive any documentation to substantiate this claim. 

On XX/XX/year>, I sent a debt validation letter to AllianceOne, clearly outlining my request for proof of the alleged debt. As per the Fair Debt Collection Practices Act, I understand that I am entitled to this documentation, and it is unacceptable that they have not responded with any supporting evidence. 

The lack of communication and failure to provide the requested validation not only raises serious concerns about the legitimacy of this debt but also reflects poorly on the company 's business practices. I believe that they are attempting to collect a debt without the necessary legal backing, which is both unethical and frustrating. 

As of today, I am not inclined to pay this amount until I receive the proper documentation that confirms I owe this debt. I request your assistance in resolving this matter and urge you to hold AllianceOne accountable for their lack of responsiveness and transparency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 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 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Today is XX/XX/XXXX. I have been disputing these inquiries since at least XX/XX/XXXX. I have called the companies that are listed with inquiries and they tell me either they have no record of me in their systems or have not initiated the inquiries. I want them removed from my credit reports. According to Equifax they are " permissible purpose '' inquiries. If the companies claim they have no record of me or an application on or around the dates listed, then there WAS NO " PERMISSIBLE PURPOSE '' whatsoever. I want the inquiries listed below deleted immediately. 
XXXX XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XXXX/XXXX XX/XX/XXXX, XXXX XXXX/XXXX  XX/XX/XXXX,  XXXX XXXX/XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Mortgage

I applied for a mortgage refinance with Chase Bank. They charge a {$500.00} fee to apply. They said if I go through the whole process with them, they would refund my money, if if I didn't qualify. During that process, I also applied for refinancing through XXXX XXXX. My Chase bank agent became irate when I told him about XXXX XXXX  and the better rate they offered me. 

On XX/XX/2020 I called Chase to complain my agent ceased communicating with me. They gave me a website URL where I could find a new agent. I called the new agent told me she had no time for me. I proceeded to close my refinance with XXXX XXXX. 

On XX/XX/2020, I called Chase for refund of my {$500.00}. They told me they would get back to me. 

On XX/XX/2020 Mr XXXX, my Chase agent who never called me back, claimed he was on vacation for 2 weeks and was told I requested withdraw my application, which is patently false. 

On XX/XX/2020 XXXX from Chase called to say my request for a refund has been denied. When I told her she was acting in bad faith, she said she would get back to me. 

On XX/XX/2020 XXXX XXXX. XXXX XXXX called to inform me the request was denied after review. They insisted I requested to close my application by email. When I asked him to show me the email ( because I never sent one ) he replied they are not allowed to use email. When I told him I would report him to the Federal government, he replied he would get back to me. 

XX/XX/2020 XXXX XXXX. XXXX called back to say request denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

This morning XX/XX/XXXX I received a notification from XXXX XXXX that a new hard inquiry was placed on my credit report by XXXX. I have not been in a XXXX branch in over 2 months and have not had contact with anyone from the company since. I called the customer service line and they stated " I opted into the cash reserve via online banking, which requires an e-signature and authorization '' I have photographic, audio, and video evidence showcasing that I never accepted these terms and was never notified, which clearly showcases internal fraud. After explaining this to the customer service manager ( XXXX employee id XXXX ) he stated that there was nothing they could do, and that the branch that was commuting the fraud was the only point of contact I could reach out to to resolve this issue. A clear violation of the FDIC Regulations. 

On top of this, we are in the middle of closing on a house, and if this credit inquiry causes us to lose the home, we could end up homeless as we do not have secured housing that will run after the closing date. 

Documentation and explanations : XXXX - Image showing all communication from the branch with no communication for new line of credit XXXX - Alert is not associated with the issue at hand. 
Screenshot XXXX at XXXX - Reported to XXXX XXXX XX/XX/XXXX as " Loan ''
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX i received three ( 3 ) 1099C Copy ( b ) 's for the following creditors XXXX, XXXX XXXX, & XXXX
Product: Debt collection

Any debt that I have had with XXXX XXXX XXXX and XXXX XXXX XXXX has been paid. I submitted proof of payment and this is still showing on my report. XXXX is not doing its job and violating my rights. Looking for an attorney to sue both progressive and XXXX for violating my rights. Failing to properly notify.
Product: Credit reporting or other personal consumer reports

HI, my name is XXXX XXXX XXXX, i been calling experian about a wrong credit report, the agent i talked to said they verified that any information they receive is been verified but i have a problem with XXXX they said that i have an acount pass do and i never have an acount with them, i been tried to fix this matter for over XXXX years and get no answer still on my credit they do not have make any investigation, i have like XXXX differents alias and a social security number that is no belong to me the amount of money with XXXX  is {$380.00} i dont know what to do any more thank you
Product: Credit reporting or other personal consumer reports

fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXXXXXX i have disputed these fraudulent information from my credit report. it was removed then reinserted few weeks later. this is identity theft and this is my second time complaining and sending out disputes. none of this information that is attached to this ftc report is mine, i need this re investigated immediately how can you remove something then re insert it. at this point i feel as my rights as a consumer is being broken. 

XXXX XXXX XXXX IS NOT MY ACCOUNTS AND THEY ARE IDENTITY THEFT Date of Closure : XX/XX/2023 XXXX # : XXXX / XXXX Original Charge Off Amount : {$300.00} Closure Status : UNPAID Closure Status Date : XX/XX/2023 Date of Closure : XX/XX/20XXXX XXXX XXXX XXXX XXXX / XXXX Original Charge Off Amount : {$300.00} Closure Status : UNPAID Closure Status Date : XX/XX/2023
Product: Credit reporting or other personal consumer reports

I recently applied for auto insurance and the reporting agency has reported that I have excessive claims and thief on my drivers record which is either true, they say that it is causing me for a high premium and getting denied ; I have a great driving record. Someone is reporting miss information about me. 
please have Lexis Nexis to stop reporting false information about me and delete my file, I do not want them to share my information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida, XXXX XXXX XXXX XXXX Subject : Dispute of Civil Liability under 15 U.S.C. 16810 for Non-Compliance I am writing to formally dispute the claim of civil liability for non-compliance, as referenced in your communication dated [ insert date of claim ]. You have indicated that I may be in violation of **15 U.S.C. 16810** ( Fair Credit Reporting Act ), and I wish to address this claim with the following points : 1. **I Have Fully Complied with FCRA Reporting Obligations : ** - I have ensured that all information provided to the credit reporting agencies is accurate and up-to-date. Specifically, I have reviewed my credit report regularly and addressed any discrepancies immediately. As per the FCRA, I have made sure that all updates to my credit report have been handled in compliance with the required timelines. I have not knowingly or intentionally submitted inaccurate or misleading information.

2. **Lack of Proper Notice or Opportunity to Correct : ** - Under the FCRA, I understand that individuals must be notified when a potential negative item is being reported. However, I have not received any formal notification or a proper opportunity to correct any alleged error. If the dispute is related to inaccurate or outdated information, I have not been given a fair chance to resolve it within the statutory time frame. As required by the FCRA, I would have expected a 30-day period to respond to such notifications, which was not provided.

3. **Potential Error or Misunderstanding Regarding Timeliness or Reporting Procedure : ** - There may have been a misunderstanding related to the reporting or update of certain information. I have made all necessary corrections in a timely manner, and I have corresponding documentation to support this. For example, I submitted an update request to the relevant credit reporting agency on [ insert date ], and I have confirmation of receipt from the agency, showing that my request was processed in compliance with the FCRA regulations.

In light of the above points, I respectfully request that this claim of civil liability be thoroughly reviewed and dismissed, as I have acted in full compliance with the applicable sections of **15 U.S.C. 16810**. I also request that any negative records associated with this claim be corrected or removed to reflect my adherence to the law.

Please acknowledge receipt of this letter and provide me with a detailed written response outlining your findings and next steps. I am available to discuss this matter further if necessary and look forward to your prompt resolution of this dispute. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

XX/XX/2022 called Hunter Warfield in attempt to pay debt. I was sent a letter for {$770.00}, but they are asking for more than that. They sent letter to wrong address. It needs to be sent to XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, VA.
Product: Mortgage

We started to apply for 2 refi loans in XXXX and prepaid XXXX dollars. We spent 3 months trying to refi with them and it was a complete cluster. Multiple requests for the same docs already provided, turn and burn sales strategies and an apparent lack of knowledge when it comes to tax filings. We had a closing scheduled 3 times and they pulled out at the last second. For this great service, you get to pre-pay a fee, which they will never return when they XXXX up.
Product: Credit card or prepaid card

Saw an ad on XXXX, thinking XXXX is a legit law abiding website, i clicked on the ad which was for a gas powered remote controlled monster truck, not realizing the XXXX $ was to good to be true i ordered it, then right after i felt like i messed up so i started to do some research with the company to : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 
Come to find out this is a front or cover for multiple scam sites like the one i feel for, so immediately tried to email them which failed, couldnt cancle the item so a few days go by no email from the company i file a dispute with visa for a non recived item at the time, no tracking info, a week or so goes by and and item is at my door but it wasn't what was claimed on the site, so i immediately called visa to notify them i recived the item but it was falsely advertised, was told by visa representatives that everything was fine and no further actions were necessary, but they recharged me for it cause the scam merchant claim to have sent me something, which they did but was not as advertised. Now visa wont refund me my full amount and onlying going to give me part of whats owed, clearly when i called visa to notify them of the recived item they should've resubmitted my dispute and falsely advertised .i believe visa to be complacent in this falsely advertised bait and switch.
Product: Consumer Loan

I was talk into getting this car with very high interest and there has been XXXX recall on this XXXX car with this car company.I feel like i been sold a lemon .This car was given back to this company and i dont think this should be on my credit and be removed.Manufacturer : Chrysler XXXX XXXX XXXX XXXX XXXX SUMMARY : XXXX XXXX XXXX : MALFUNCTION INDICATOR LAMP ILLUMINATION. POWERTRAIN CONTROL MODULE MUST BE UPDATED WITH LATEST SOFTWARE *CNervice Bulletin No. : XXXX Component ( s ) : ELECTRICAL SYSTEM, EQUIPMENT XXXX ID Number : XXXX All Products Associated with this Service Bulletin expand Details close XXXX Associated Documents Manufacturer : Chrysler XXXX XXXX XXXX XXXX XXXX SUMMARY : CERTAIN VEHICLES ARE EXPERIENCING SCREEN LOCK UP ON NAVIGATION OR DISPLAY BLANK, RADIO WILL RESET, INTERMITTENTLY, NOT ABLE TO DIAL PHONE FROM RADIO BUT CAN DIAL PHONE, TRANSLATION FOR XXXX LANGUAGE ADDED, AFTER DISCONNECTION PHONE, FAILS TO CONNECT PHONE, ETC. MODEL XXXX CHARGER, CHRYSLER XXXX, JOURNEY. *PEroximately XXXX model-year XXXX XXXX XXXX SUVs manufactured between XXXX XXXX, XXXX, and XXXX XXXX, XXXX The Problem : Water may enter the wiring harness for the antilock brake system module and leak into the module, disabling the ABS or electronic stability control system ; this could cause a loss of stability, increasing the risk of a crash. XXXX Chrysler Automobiles noted that it is unaware of any related injuries or accidents. The condition, XXXX stated, is typically preceded by the illumination of an instrument-cluster warning light ; foundation brake function is unaffected. 
The Fix : Dealers will seal the ABS wiring harness to prevent water from entering, replace the ABS module, and repair the headlamp and dash wiring harness Read more at XXXX : XXXX # XXXX Affected : Approximately XXXX model-year XXXX XXXX XXXX XXXX equipped with the XXXX four-cylinder engine The Problem : The plastic engine cover may become dislodged and, if it comes into contact with exhaust components, pose a fire risk. The problem was discovered during an investigation by the automaker following XXXX incidents in Chile ; in each instance the vehicle had been driven extensively on unpaved or uneven surfaces, XXXX Chrysler Automobiles stated. XXXX said is aware of XXXX minor injury associated with the issue Read more at https : XXXX # XXXX car has been a lemon and XXXX refuses to back the product they sell.I am extremely disappointed with this vehicle. I have had ignition and overheating problems.I was sold an a lemon and i want this off my credit report
Product: Checking or savings account

I was checking my account and noticed a charge on XX/XX/XXXX in the amount of {$440.00} from a debit card I dd not recognize and from Florida. I called to dispute the charge only to find out that it was made by a card assigned to my ex wife, who was removed from my account on XX/XX/XXXX. While they filed a claim to have the funds back into my account, no one can tell me : 1. How a card assigned to her was able to access my funds given that she was removed from my account?

2. How she could get a card with access to my funds given that she was not an authorized user on my account?

3. No one could assure me that this would not happen again.

4. Chase is now denying my claim to have the fraudulent withdrawal of funds added back to my account I have contacted Chase Customer service who denied the claim and the Executive Office who have been non respondent after initially acknowledging receipt of my complaint.
Product: Credit card

I recently opened a credit card with CapitalOne under my current legal name which is associated with my Social Security Number and is listed on my Social Security Card, Drivers License, Passport, and Birth Certificate. Without me requesting them to and without me doing so, CapitalOne listed the account owner under a different name which was my former legal name. They did not explain why this happened. I am highly concerned with the privacy and safety of my account when an application I submitted with my correct legal information does not match the information CapitalOne decided to put on my account.
Product: Debt collection

This company repeatedly called my employer. Today XX/XX/20 I got a note from my employer and was told that XXXX XXXX was very rude and told them that it was a legal matter and I could be going to court. I called them back at XXXX and asked who this was for. Spotloan. And he stated that I was going to be persuaded for theft by taking. I tried to tell him if I allegedly owed this loan, what's this about. He said a settlement or face going to court. That they were calling for XXXX XXXX to try to come to an agreement. And asked what I could offer on a XXXX dollar bill. I said XXXX. He said let me check. Then this supervisor came on with this I don't care what you do either pay or go to court. I ended up agreeing to make payments and they made me attach a card number saying that if I didn't the offer would be void. I had told them I never received correspondence from spotloan and they said that's impossible and then told me it was in collection and I may have ignored it.
Product: Credit reporting

victim of identity theft, never lived out side of XXXX before 2014