23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AK XXXX XX/XX/2020 IC Systems XXXX XXXX  XXXX XXXX XXXX XXXX, MN XXXX I was notified by your company on XX/XX/2020 through A credit report regarding an alleged debt. I have reason to believe I do not owe this debt because I did not receive any communication from this company about a debt. Furthermore I have never given any of my information to your company. I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts in Alaska. 
Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information. 
If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor. 
Sincerely, XXXX XXXX XX/XX/2020 2020
Product: Credit card

There was a fraudulent charge on my credit card back in XX/XX/year>2024 in the amount of {$1200.00} at a XXXX 's superstore. The Citi Credit card didn't even send me a notification whether I recognize this charge or not and the charge went through. Next day, the fraudster charged another {$0.00} at an unknown gas station. Now, the Citi ( Mastercard ) sent me a text asking whether I recognize this charge or not. Immediately, I said that I didn't make that charge. Then, I went to my online account and I found out that the previous amount of {$1200.00} was also a fraudulent charge, which I didn't do. So, I cancelled my old card immediately and asked for a new card and recorded a dispute for that transaction. Now, after 6 months from that and after talking to Citi dispute department over 10 times ( and over 10-12 hours ), they still haven't refunded my money yet. I have talked with their security department, their fraudulent department etc - but of no use. They kept saying that they would let me know their findings. But, not only they never returned any call- they still hasn't resolved the matter. At this point, I am totally frustrated and ready to take a legal action against my credit card company. At a last resort, I wanted to notify this to CFPB with the hope that CFPB will be able to resolve this for me and I can get my {$120000.00} ( and with interest ) as soon as possible.
Product: Payday loan, title loan, or personal loan

Ive tried telling them my payments are high my car was XXXX they charged me XXXX in total I cant afford it anymore
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently paid off XXXX in credit card debt, 5 weeks ago. My credit report still states an 83 % usage of rotating credit. This is incorrect, the time it takes for agencies to improve your score after paying debt off, is far longer than usage impacts your credit score. This is unfair and wrong, how long will it take for my credit score to be reflective of my good credit???
Product: Money transfer, virtual currency, or money service

Good morning, i would like asking your help returning funds that was mistakenly between Bank of America 's accounts. 
Claim Number XXXX with Bank Of America. 

the funds were mistakenly transfer I admit, however, i notified the bank 10 min after it happened. the bank did very little to nothing to recover the funds and contact the person the funds were transfer to. 
they are hiding behind legal terms and taking no action and very little responsibility of the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The are reporting a collection account with XXXX XXXX XXXX  in the amount of {$19000.00} on my XXXX  and Transunion   credit report. This is not my account. I have disputed this account several times with the credit bureaus and the creditor.
Product: Student loan

I filed two separate Feedback Cases with the Department of Education- Federal Student Aid ( DOE ), back in XXXX and XX/XX/XXXX after having received notification from my loan service provider, Nelnet , that I owed over {$21000.00} in student loans ( including interests ). Nelnet was contracted by DOE, and obtained my student loans on XX/XX/XXXX. I provided both DOE and Nelnet with personal bank statements ( XXXXXXXX XXXX XXXX ) showing that I had issued three separate payments, totaling {$21000.00}, during the COVID-19 Emergency Relief- Student Loan freeze, thereby paying all my DOE-held Loans, in full. I was also informed by Nelnet that check ( s ) were issued to me. I never received any monies from DOE or Nelnet, and was never notified that a refund was approved or that check ( s ) were being issued to me. I informed Nelnet that I did not receive said check ( s ), and never cashed said check ( s ), and that I wanted to file a claim with them concerning this. In XX/XX/XXXX, I filed a Claim with the US Department of Treasury relating to the Nelnet-referenced check that had purportedly been issued to me, and cashed by unknown individual ( s ). In XX/XX/XXXX, DOE notified me that they were closing my Feedback Cases, and were referring my complaints to Nelnet. On XX/XX/XXXX, Nelnet responded back indicating that a Fraud Investigation was opened in XX/XX/XXXX, and that in XX/XX/XXXX the Department of Treasury reissued [ my ] refund checks, but they still contended I owed them {$22000.00}. On that same day, I contacted the US Department of Treasury, who informed that that they are still waiting to obtain additional information from DOE concerning my check ( s ), and that a check in the amount of {$16000.00} was cancelled and reissued to the DOE. At this point in time, both DOE and Nelnet have repeatedly refused to address my allegations, repeatedly failed to comply with the timelines set to inform me of any outcomes/findings, failed to verify that full payments of the loans were made, failed to look into the allegation of identity fraud and check fraud, and failed to have open and transparent communications with the US Department of Treasury and me concerning the allegations.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

The fraudulent account appearing on my credit report is : XXXX I sent a request to Transunion to have all of the incorrect information removed from my credit report, Pursuant to section 605B of the Fair Credit Reporting Act. I have sent them all the required documents ( Police report, Identity verification, Credit report with the false info circled ) but Transunion did not take any action regarding the incorrect and fraudulent information on my credit report. Transunion did not remove the fraudulent account. Meanwhile, the two other credit bureaus removed the fraudulent info .This is a clear violation of the section 605B of the Fair Credit Reporting Act and Transunion should be held accountable.

Their inaction is making my life unfairly difficult.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to request a security freeze on my consumer credit file and a certified copy of my complete consumer report, as permitted under the Fair Credit Reporting Act ( FCRA ).

The primary purposes are to prevent unauthorized access to my credit information, protect against potential identity theft, and obtain a comprehensive review of my current credit status.

I am specifically requesting a complete and certified consumer report that includes all comprehensive details maintained in my file. This should encompass a full overview of my credit accounts, detailed inquiry history, personal identification information, and any additional notations or remarks present in my records. 


Identifying Information : Full Legal Name : XXXX XXXX Current Address : XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX, TX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Please send all documentation via certified mail to the address listed above. I request written confirmation within XXXX business days. 

My goal is to exercise my legal rights and protect my personal financial information.

Thank you for your prompt attention to these matters.

Enclosed Verification Documents : Government-issued photo identification with current photograph Official proof of current residential address Additional supporting identification materials
Product: Mortgage

The principal unpaid balance of my mortgage is {$130000.00}. The value of the home is around {$300000.00}. 
I have requested Truist Bank on several occasions to remove the PMI as the value of the home was in excess of 78 % for several years. They refused to remove it and continue to charge it. The continuation of charming me a PMI at this point is illegal but i can not make them remove it.
Product: Credit card or prepaid card

In late XXXX, XXXX, I went to Florida to visit friends and rented a car from XXXX at the XXXX airport. It was billed on my Capitol One credit card through XXXX vacations. Before dropping the car off back at the airport, I stopped at a gas station and filled up the tank. 
Yet what appears on my credit card but an unauthorized charge for {$43.00} for gas for the car. This was billed on XXXX XXXX. I was outraged, and called the credit card when I saw the charge.. I got passed from one person to another to another and finally someone said they would remove the charge due to fraud. The charge was removed on XX/XX/XXXX ... and then immediately replaced. When I called again, it was removed on XX/XX/XXXX ... then put back on XX/XX/XXXX. 
I tried the XXXX what an oxymoron. They give XXXX a top rating. I will never trust them again. Meanwhile customers give it the lowest rating possible, one star, and there have been nearly 2000 complaints from customers the past three years. 
Plus when I checked other people have been hit with the same thing here 's one on XXXX " But my biggest gripe was they charged me {$14.00} for " less than full gas tank ''. In fact, I filled the tank and the only gas spent was from my hotel to the airport. '' Another one was charged over {$100.00} for gas, but I can't find that complaint right now. This company literally steals money from customers, and yet Capitol One thinks that's just fine. It needs to permanently remove that fraudulent charge from my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX the bureas have violated my right by reporting payments on credit accounts on my consumer reports. 

Account XXXX XXXX XXXX XXXX XXXX They are reporting a payment late on my cosumers report between me and this creditor. 
The bureaus have violated my rights. I have the right to privacy and a creditor may  not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This is against the law and violating my rights. 

I need these late payments removed from my consumers report immediately as it doesnt follow the FCRA or any laws in that matter. Being that its against the law i know i can take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm complaining because Experian have failed to comply with, furthermore blatantly disregarded, my request to provide me with the documents that their company have on file that was used to verify the account that I disputed in writing. I sent them a dispute letter requesting that they verify all data for the disputed account and nearly 40 days later I have yet to receive anything of the sort. Because it is well past the time permitted by law, and they are unable to verify the account, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely the account in my dispute. 
I ask that you resolve this matter with urgency as my character is being adversely affected and may be hindering me from securing employment because of their wilful non-compliance with the FCRA. Thank you.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : NCB MANAGEMENT SERVICES Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX Your NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter XXXX XXXX
Product: Credit card or prepaid card

I am a victim of identity theft. I do not have any knowledge of these accounts. I have sent Synchrony Bank several letters about Belk amount due {$1300.00} and Walmart due {$500.00} stating I am not aware of these accounts since XX/XX/2019. All my information was compromised my name, address, telephone number, email address, and bank accounts. These creditors have agreed not to issue a credit. I sent in letters to the 3 credit bureaus also.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX XXXX credit card on XX/XX/2020 and I did not get approved so I called them to ask why and they told me that I did not get approved because there was an account reflecting badly on my credit report. I didn't know what account they were talking about because I don't have any negative accounts on my report ; well to my surprise, I found that there is a charged off XXXX  account appearing on my credit report. This account does not belong to me. I did not open it nor am I affiliated with that company in any way. I did not benefit anything from that account that was opened in my name without my permission and I never made any payments towards that account. I filed a complaint with the consumer financial protection bureau, filed a XXXX XXXX police report and notified the company that they are reporting incorrect information.
Product: Debt collection

Ability Recovery Service has illegally obtained my personal information, this company is using my social security without my authorization or signature and is done UNDER DRESS. I spoke to a XXXX at ARS, on a recorded phone call ( XXXX ) and she said she was the secretary, manager & supervisor. This violation of 15 U.S code section $ 1692e false and misleading representation. and is saying collection debt on behalf of XXXX XXXX group is fraud. At common Law this is fraud and extortion. The lady who was on the other end phone, mocked me as i told her i practice common law, in which is my GOD give right, and that right was denied. The ARS is Tring collect a debt that's already pad paid. See, title 18 - 31 section 8, see title 31 section 3123. Under these obligations United States Exemption from taxation. an this company is violation the terms and provisions of the Unites States
Product: Credit card or prepaid card

Around XX/XX//2018 I lost my card and there was multiple transactions made fraudulently on my account I reported the fraud and let the bank know they credited the account and then refilled the account I been 3 months trying to get the matter resolved and they have not reached out to me on the correct number XXXX I did not make the charges and need the credits out back on my account
Product: Debt collection

They called my family member saying they located me by location services what ever that means. I called and asked them to only send correspondents through the mail and to stop harrasing my family.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 XXXXXXXX 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 or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

XXXX 's has a payment due date schedule on my account for the XXXX of each month. I made a payment online on XX/XX/XXXX for the amount of {$180.00}. XXXX 's charged me a late fee of {$41.00} on XX/XX/XXXX and an additional charge of {$150.00} with an APR of 31.99 %. Each month XXXX 's is charging me over {$100.00} in XXXX fees. This is outrageous and prevents me from being able to pay down the card in a reasonable manner. XXXX 's is overcharging my account each month and I contest their attempts to collect fees. This year alone, I've been charged {$930.00} in interest charges even if I make on time payments. XXXX 's is using excessive amounts to collect and causing my credit report to appear as delinquent. I'm contacting my state attorney general 's office to report excessive charges against XXXX 's.
Product: Payday loan, title loan, personal loan, or advance loan

during my harassment period on XXXX I got a text at XXXX XXXX to make a payment and then I asked them why they were calling me at XXXX XXXX XXXX They said I needed to make a payment are they going to put charges of fraud against me and that was an intending me and scaring me. Then they would not give me the option to change my payment method I have already told them the account was overdraft and they still are trying to take payment out to the account
Product: Debt collection

HAD A ITEM ON MY CREDIT REPORT SO I CALLED THE COLLECTION AGENCY THAT REPORTED IT. IT WAS MODERN ADJUSTMENT BUREAU LOCATED AT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA. XXXX. I CALLED THEM SEVERAL WEEKS AGO AT XXXX AS I WANTED TO KNOW WHAT THIS WAS ALL ABOUT. I HAD THE DISPLEASURE TO TALK TO A RUDE AND ARROGANT WOMAN SAID HER NAME WAS XXXX, WOULD NOT GIVE HER LAST NAME. I WAS DISPUTING THIS BILL AS MY COMPANY OPENED UP THE CHECKING ACCOUNT AND MY NAME WAS ON IT, BUT APPARENTLY THE ACCOUNT BECAME OVER DRAWN, WHEN I ASKED FOR DOCUMENTATION ON THIS BANK ACCOUNT SHE WENT INTO A PUSHY AND THREATENING DEMEANOR, SHE WENT ON TO SAY " WHEN THIS GOES TO COURT THIS WILL COST THOUSANDS OF DOLLARS FOR YOU LATER ON '' " YOU SHOULD TAKE CARE OF IT NOW AND DISPUTE IT LATER '' SHE MADE IT SOUND LIKE A {$1300.00} BILL WOULD BE RAISED TO {$5000.00} WHICH IS DECEPTIVE COLLECTION TACTICS. I NEVER RECEIVED THE DOCUMENTS, BIG SUPRISE. ARE THEY NOT SUPPOSED TO GIVE ME A HEADS UP ON WHO I AM CALLING AND THAT THEY ARE TRYING TO COLLECT A DEBT ETC, SHE JUST WENT INTO HER GANGSTER ROUTINE TRYING TO SCARE ME INTO PAYING THE BILL DISMISSING ANYTHING I HAD TO SAY. 
I HANG UP ON HER CAUSE IT WAS LIKE TALKING TO A BRICK WALL.
Product: Credit reporting

I was a customer of XXXX from XX/XX/XXXX until XX/XX/XXXX and had never been late or missed a payment. The original contract expired after a few years so I had no obligation to continue the service. In XX/XX/XXXX I notified and cancelled XXXX and switched to another provider. XXXX claimed I owed a {$150.00} cancellation fee but I had never signed a contract extension. XXXX said I automatically took an open contract when I accepted a newer piece of equipment they offered [ unsolicited by me ]. I do not remember being informed a new contract was involved. My credit history is clean except for this erroneous claim and I am not paying what I do n't owe. Companies should be required to get a new signature accepting a new or extended contract before they can enact that new or extended contact, i.e., no automatic opt in but instead, a clear customer choice to do so or not. My Experian credit report went from XXXX on XXXX to XXXX on XXXX because an agency hired by XXXX issued a past due account of {$150.00} [ as of XXXX ] after I did n't accept their settlement offer of {$77.00}. I would appreciate the CFPB making an effort to require companies to be more upfront with customers in situations like changing contract obligations. Thanks for reviewing this complaint. 
XXXX