23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This bill is not my bill and the creditor did not give me any information about this bill. Futhermore, I was never sent any information about this being my debt. I disputed it and XXXX removed it but XXXX and XXXX did not and did not give me any information.
Product: Credit reporting

There was a discrepancy in the family as to who was paying a Funeral Home bill in XX/XX/XXXX. After some deliberation, in XX/XX/XXXX, I finally paid the bill. It remains on our credit report as an unpaid ( we pulled our credit reports approximately XX/XX/XXXX ). We would like to get this paid bill off of our report, which supposedly is done by the either the Funeral Home or another entity, not ourselves.
Product: Debt collection

Amsher Collection was requested by XXXX to place {$110.00} in collection for a smart watch that was never owned by me. Amsher placed the matter with a law firm in XXXX who agreed it was not going to collect the debt. They were to notify Amsher Collection agency that the matter is closed and that my credit score should not be damaged by this. So far, that has not happened.
Product: Credit reporting or other personal consumer reports

Old address and phone numbers not removed. Due to security reasons I can not remove on line.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE XXXX Has been deleted from XXXX and XXXX, but still remains on XXXX.
Product: Debt collection

Santander Consumer USA , Inc. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To : The Office of Registered Agent for Santander Consumer USA , Inc.. 

From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and Santander Consumer USA inc are authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages. Also be advised any medical records shared without my consent is a violation of my privacy and XXXX. 

Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you!

I swear under penalty of perjury that all of the above mentioned information is true and accurate.

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

I was looking through my consumer report and noticed a debt from XXXX of a balance of {$26000.00}. In pursuant to 15usc 1692j ( a ) states It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor when in fact such person is not so participating. So Transunion is breaking the law by allowing third party debt collectors to design, compile and furnish my consumer report without the consumers consent when their job is to protect my consumer report. Also in pursuant XXXX5usc 1692j ( b ) states Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. Also in pursuant to 15USC 1681 ( a ) ( 4 ) of Congressional findings and statement of purpose states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. So, Transunion has broken multiple laws by giving debt collectors the right to design and furnish my credit report to destroy my ability to get an apartment and a car. I need a right to remedy by removing XXXX from my consumer report as this is damaging my livelihood. I WANT ALL RESULTS INCLUDING DISPUTE RESULTS TO GO THROUGH THE CFPB. I AM NOT ASKING FOR DEBT TO BE VERIFIED.
Product: Credit card

I asked capital one to refund an annual fee of XXXX dollars that was charged to my account 10 days ago from today. They refused. I spoke to 3 people and they all didn't want to refund the fee or offer to downgrade the card to a no annual fee.
Product: Debt collection

Nationwide recovery systems at XXXX XXXX XXXX XXXX XXXX, Tx has put a duplicate collection on my credit report 3 times. The date " opened '' has changed each time but the original creditor and amount owed remain the same. Each month if the amount is not paid then each duplicate debt shows up as a late payment. That means this debt is showing up late in triplicate every month. I have paid the debt with the original creditor but the three marks remain. This seems to be highly fradulent! 

The original creditor is XXXX XXXX XXXX My credit report lists that nationwide opened this account on : XX/XX/19, XX/XX/19 and XX/XX/19. In the amount of {$140.00}
Product: Checking or savings account

XX/XX/2023 I was at XXXX XXXX and withdrew from their ATM inside. I withdrew a total of 3 different times in the amount of {$300.00}. But 1 of those times it did not give me the {$300.00}. I have lost 2 appeals with Wells Fargo who I believe are not doing what needs to be done. I have even filed a Police Report. They will be withdrawing the money again since they gave me a temporary provisional credit. I am literally not going to have a lot of my bills paid this month. I am scared. I even had the help at the XXXX looking at the cameras and they even report when I didnt get my money back. Wells Fargo is not helping and refusing to do anything. I gave them all 3 transactions and told them they pulled the cameras as well.
Product: Checking or savings account

To whom It May Concern : I am writing to express deep frustration and lack of communication on behalf US Bank regarding a hold or freeze on all my accounts. The bank never communicated this hold to me so I did not learn of it until Sat. XX/XX/XXXX when I went to use my debit card and it would not go through. Since then I have made several phone calls to the bank, both nationally and locally in attempts to figure out what is going on. Every banker tells me I can only speak with the e-fraud dept., specifically with a person named XXXX. Contact details for the e-fraud dept. are hard to come by and XXXX has not answered her phone. I've left two voicemails. 

What I have learned through my many phone calls to the bank is that XXXX in the e-fraud dept. put a hold on my account Fri. XX/XX/XXXX before she left the office for the weekend without telling me. Therefore, I have not had access to my money since the evening of XX/XX/XXXX and have not been able to get a hold of XXXX and was told from US Bank that no one else could help me but XXXX in the e-fraud dept. Come Monday, a normal bankers working hour, and she has not contacted me or returned any of my phone calls. Some bankers tell me XXXX was prompted by my local bank branch to put a hold on my account, but when I call the local bank, no one knows anything about the situation. 

I do not think it is right for the bank to put a hold on my money without conversing with me. I also do not appreciate the long duration of no communication. While I understand people to be busy with multiple business concerns, this is not an acceptable excuse to not give me access to my money without contact. You are an institution housing my money. While I appreciate the service I worked for my money and do not appreciate being blocked from it, especially without explanation. 

I am looking to hear back and quickly please as I have no access to my money for general living expresses, much less to have any fun. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XX/XX/2022 ( Original Creditor : XXXX  XXXX ) XXXX Balance : {$1000.00}
Product: Credit card or prepaid card

I don't remember submitting a credit application for PayPal credit and had clicked to cancel the advertisement and closed out the webpage. I still somehow got approved for credit I don't want with PayPal.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is reporting charge offs and written off on my credit report according to Experian. For that to happen I should have received a 1099C. I am requesting a copy of the 1099c filed by this company. Technically Experian is reporting fraudulent information. And the law insures that all my information should be accurate.
Product: Debt collection

On or around XXXX I received a correspondence in the mail from RAGAN & RAGAN, P.C. regarding an alleged debt from a debt purchaser. I sent the following correspondence and RAGAN & RAGAN P.C., failed to provide the requested documentation, instead they continue harassing me, communicating with me despite not having permission to communicate with me, failed to provide required documentation pursuant to the fair debt collection practices act.
Product: Debt collection

I have a private student loan with XXXX XXXX XXXX XXXX XXXX formerly called XXXX. ( Now called XXXX XXXX XXXX XXXX XXXX. According to XXXX XXXXXXXX the originator XXXX XXXX XXXX keeps saying I still owe money that I dont. I receive these every year saying I owe money I dont owe anymore.
Product: Student loan

I started repayment of my XXXX student loans in XXXX. In XXXX the loans were taken over by XXXX XXXX, in XXXX by XXXX, in XXXX by XXXX, in XXXX by XXXX XXXX, in XXXX by XXXX XXXX, then in XXXX by Navient. Given that the loans totaled a little over {$24000.00} It seamed to me that the balance was not going down as fast as it should be so I called customer service. I asked for the history of my loans from start of repayment to present day. They stated they do not have access to that data and they could only give me Navient payments. I had done a little research and found that Navient was the same company as XXXX XXXX and that they changed their name with the SEC. I told customer service that they should have access to all the XXXX XXXX records as well but they stated they did not. I asked for a manager and was denied. I have just finished recreating my payment history via old check registers and I found a {$2000.00} discrepancy in my favor. I had planned on creating a letter this weekend with all my documentation to send to their legal department. I was figuring on having to build a case against them. I saw the article today on the FED 's law suit against Navient and decided this would be a helpful avenue to help me deal with them. I would like to check more than 1 box below but your site only allows 1.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I would like to submit a complaint against Transunion I have disputed a account that does n't not belong to me the credit agency name is FAIR COLLECTIONS AND OUTSOURCING and I have ask for proof showing that this account belongs to me I have contact the credit agency also and they have this account under a person name  XXXX   XXXX  and my name is  XXXX   XXXX  I have never changed my name or used another name and have contact both parties and nothing has been done expect Transunion has sent my credit report to be stated " VERFIED '' but nothing was sent to me showing how this was verified I sent over a copy of my ssn and Drivers lincense card to them and still nothing has happen and they have not verified to me how this info was verified I would like the incorrect info off of my credit report as this does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE MADE ARRANGEMENTS FOR HARDSHIP. THEY DEDUCT A CERTAIN AMOUNT OUT EVERY MONTH, AND THEY KEEP REPORTING ME LATE. ACCOUNT SHOWS DELINQUENT 90 DAYS NOW. EACH TIME THEY DO THAT MY SCORE GOES DOWN. I WAS TOLD THAT THE REPORTS WILL UPDATE WITHIN 3 MONTHS OF MAKING CONSISTENT PAYMENTS AND THAT HAS NOT HAPPENED. I HAVE CALLED MANY TIMES TO GET THIS RESOLVED AND THEY HAVE NOT FIXED. 

THEY NEED TO UPDATE REPORTS AND ACCOUNTS TO A CURRENT STATUS OR I WILL KEEP DISPUTING AND ALSO WRITE TO THEIR LOCAL NEWSPAPERS.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the absence of my XXXX XXXX  credit card account ( account number : XXXX XXXX XXXX XXXX ) from my credit report. This account has been active and in good standing, yet it is not being reflected on my credit report. 
Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I have the right to expect accurate and complete information on my credit report. The non-reporting of this account is affecting my credit history and score, potentially skewing the representation of my financial responsibility. 
Additionally, under the Fair and Accurate Credit Transactions Act ( FACTA ), which amends the FCRA, you are required to take reasonable steps to ensure the completeness and accuracy of information in my credit report. By failing to include all relevant accounts, including this XXXX XXXX  account, my credit report is incomplete, and this omission is negatively impacting my credit profile. 
I am requesting that you investigate this issue and contact XXXX XXXX to ensure that my account is reported correctly and reflected in my credit report. Please provide me with confirmation once this has been resolved or notify me of any steps that need to be taken on my end. 
Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the correction or the results of your investigation within the XXXX period required by law under the FCRA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX data breach 2023 causes fictitious open accounts and hard inquiries on my credit. I am apart of XXXX  B need to be compensated for loss and current credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX are reporting incorrectly a collection in the amount of {$17000.00} on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) I returned the defective vehicle within the time allowed under the Lemon Law. The vehicle was sold at auction and sold for more than the balance owed so consequently, there is no outstanding balance due and owing and therefore nothing to collect. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.
Product: Credit card or prepaid card

XXXX card claims I own XXXX but I never opened this account someone was making payments from a XXXX XXXX account but I got a letter from XXXX XXXX stating I never had a account with them
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX for inaccurately reporting account XXXX as a charged-off account when it was actually a repossessed vehicle. This misrepresentation of my account status is misleading and negatively impacts my credit profile. I demand an immediate removal of this inaccurate reporting. 

Additionally, I am filing a complaint against XXXX for multiple violations regarding the handling of my auto loan while I was on XXXX XXXX. XXXX repossessed my vehicle without obtaining a court order, which is a direct violation of 50 U.S. Code 3952 of the Servicemembers Civil Relief Act ( SCRA ). This law explicitly protects XXXX XXXX servicemembers from vehicle repossession without a courts approval. By failing to follow this legal requirement, XXXX unlawfully repossessed my vehicle. 

Furthermore, XXXX failed to comply with UCC Article 9, which requires creditors to provide proper notice of default and an opportunity to cure the default before repossession. There was also no attempt to conduct the vehicles sale in a commercially reasonable manner, further violating my rights and causing financial harm. 

Additionally, XXXX engaged in unfair debt collection practices by repossessing my vehicle without a present legal right to do so, in violation of 15 U.S. Code 1692f ( 6 ). Their actions constitute an illegal repossession and an unconscionable means of debt collection. The information being reported is misleading as it is not consistent between all XXXX CRA 'S
Product: Checking or savings account

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to report a series of fraudulent charges made on my debit card, which was issued by Chase Bank. The fraudulent charges, totaling {$980.00}, began on XX/XX/year>, and have continued to post to my account from various stores including XXXX, XXXX, and XXXX. These charges occurred at locations across the United States, which is inconsistent with my typical purchasing behavior and residence in XXXX, Texas. 

The sequence of events is as follows : XXXX. XX/XX/year> : The first fraudulent charge appeared from XXXX, followed by additional charges from XXXX, XXXX, and XXXX over a short period of time. 
XXXX. XX/XX/year> : Chase Bank contacted me via text message regarding the suspicious charges. I immediately responded with " No '' to confirm that these charges were unauthorized. Chase Bank then sent an automated message indicating that my debit card would be closed, and a new card would be issued. 
3. Despite Chase closing my card, the fraudulent charges continued to post to my checking account from various stores, including XXXX, XXXX, and XXXX. 
4. Upon further inspection, I found that the charges were made from locations across the country, far from my location in XXXX, Texas. This activity does not match my typical purchasing patterns. 

I subsequently contacted Chase Bank 's fraud department and filed a dispute. However, the case was quickly closed after 2 days of investigation. I then reached out via phone call to speak with a customer service manager who was dismissive and rude, I was told that the charges were considered authorized and that they had been made using XXXX XXXX. I am puzzled as to how someone could add my debit card to XXXX XXXX without Chase Bank verifying the identity of the person adding the card. This seems to be a serious security oversight. 

To support my claim, I can provide proof that I was in XXXX, Texas on XX/XX/year>, through a transaction made at XXXX with my Chase credit card in person. This transaction serves as evidence of my physical location at the time the fraudulent charges were made. Additionally, if necessary, I can request store surveillance footage from XXXX on that date to further demonstrate that I was not present at the location where the fraudulent charges occurred. It would be impossible to be in two locations at once. 

I am requesting that the CFPB investigate this matter, as I believe Chase Bank has failed to adequately resolve my dispute and protect my financial information. I would appreciate your assistance in holding Chase accountable for this oversight and ensuring that these fraudulent charges are removed from my account. 
Please let me know if you require any further documentation or evidence to proceed with this complaint. 

Thank you for your attention to this matter.
Product: Mortgage

Nationstar Mortgage adjusted our mortgage payment without providing the disclosures required by 12 USC 1026.20 ( d ). We received no notice XXXX days prior to the adjustment date, and therefore did not receive the disclosures and information that would have led to reduced mortgage payments through refinance or other methods. I have asked them about this and they refuse to acknowledge their responsibility to provide this mandated disclosure. Additionally, Nationstar, even after multiple requests, refuses, or is unable, to provide a copy of the Note with all modifications thereto as required by California Civil Code section 2943 ( b ). Nationstar claims XXXX XXXX as Trustee is the owner of the Note, but all they have provided is a copy as it was on the day it was signed, showing XXXX XXXX as the lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX I filed police report stating identity theft had taken place. One of the fraudulent accounts was from the bureaus, a XXXX  XXXX credit card. It was removed and then all of a sudden it reappeared back on my credit report recently which is fraudulent and reporting in activate an absolute information. Their address is XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX  XXXX. And it has a balance of {$800.00}. Please investigate contact this company and make sure that they never put it back on my credit report because it has resulted in a decrease in my credit score.
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 USC 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 

1

5 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.