23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Bank of America wrongfully took {$45.00} from me. 
Money was wired in to Bank of America on XX/XX/2016. 
Bank of America returned the wired money, but wrongfully returned {$45.00} less than it received. 
Wire in and out tracking numbers : XXXX, XXXX.
Product: Mortgage

Nationstar did a mortgage modification with me 4yrs ago. Now I am trying to remortgage with another bank and they said there is a remortgage on my credit report. I did n't remortgage I did a loan modification. My issue is I have been asking Nationstar since XXXX XXXX, XXXX for a copy of this modification and they have yet to give me a copy of it for the new bank. I have been given numerous excuses as to the reason why they ca n't give it to us. They stated that whom ever did the original modification did n't scan it into the system and that 's why no one could find it. And now it 's going to take 60 days for them to try and locate it. In the meantime I now lose the loan I was trying to get along with the {$500.00} I had to lay out of my pocket for it. 
I told them I find it simply amazing how they can find the " mortgage loan '' that we original did with them in XXXX but yet they could n't find the documents of the " modification '' we did with them ( as they stated " on paper only '' ) only 4 yrs ago!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit. XXXX XXXX ( XXXX : XXXX XXXX : XXXX ), Unknown Name ( XXXX  : XXXX ), XXXX  XXXX XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ), XXXX XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ), XXXX XXXX ( XXXX : XXXX XXXX : XXXX XXXX : XXXX ), XXXX XXXX XXXX XXXX XXXX : XXXX Transunion : XXXX ), XXXX XXXX ( XXXX : XXXX XXXX : XXXX ), XXXX XXXX ( XXXX  : XXXX XXXX : XXXX Transunion : XXXX ), XXXX XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX ), XXXX XXXX ( XXXX : XXXX : XXXX : XXXX Transunion : XXXX ), XXXX ( XXXX  : XXXX XXXX : XXXX Transunion : XXXX ), XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX ).
Product: Debt collection

On XX/XX/14, I contacted National credit adjusters to settle a debt. This debt was past the statute of limitations in my state but they would not remove it from my credit report. However, I wanted it removed so I received an offer to settle the debt. I called and settled the debt for {$140.00} less than what was owed. They then proceeded to inaccurately report it to the credit bureau so I disputed it with XXXX. XXXX stated it was certified by NCA, so I uploaded all the pertinent documents and XXXX came back the very next day and denied my request. This needs to be corrected and if you read the reviews for NCA, this isnt the first time theyve done this to consumers. Its a shady tactic to collect more money once youve paid what was agreed to.
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a Credit Repair Agency. In accordance with the Fair Credit Reporting Act XXXX, the following accounts below has violated my rights according to : 15 U.S.C. 1681 section 602 A. States I have a right to privacy 15 U.S.C. 1681 section 604 section 2, States a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, please provide the following : 1, The Original Contracts with my signature on it 2. Creditor information ( Name, Address and phone number of original merchant ) 3. The payment history and itemized billing associated with each account 4. Proof of Ownership ( Proof that the company trying to collect this debt has authorization to do so ) If you cant provide these XXXX things for all of the above accounts then please delete these accounts immediately. Thanks
Product: Debt collection

I answered a potential risk call and the person said that they were " XXXX '' and need me to verify that I am who she said. I asked that I needed to verify what company or business they were before answering any information. After 5 or 6 attempts to get this she stated they were " State Collection Services. I said ok why are you calling. They said they needed to identify me prior to answering that. I refused to give my dob. She said a street address that I had never heard of amd then a secondary one as well. I said you are incorrect and I verified the her name as XXXX and said that this is clearly a scam and I will be passing the number, name and " business '' name off to authorities.
Product: Debt collection

This is my second complaint to CFPB about Midland Funding. They are yet to verified the debt that they have listed on my credit report. At first I felt as if CFPB had failed me until all the state participated in a lawsuit about the horrendous participate that this organization have been using to collect debt. I am happy this was brought to light. In the case of State of Indiana along with 40 other States include Georgia ( My home State ) VS Encore Capital Group Inc, Midland Funding LLC  and Midland Credit Management In The XXXX County Circuit/ Superior Court dated XX/XX/2018. Midland Funding   did not follow the " REQUIREMENTS TO COMPLY WITH ALL APPLICABLE LAWS, '' ( begins at page 4 onward in attached document ) when they were harassing me for a debt that they are yet to verify, which in violation of FDCPA. Midland is yet to provide ORIGINAL ACCOUNT-LEVEL DOCUMENTATION.

I would like for Midland Fund to provide all that is listed in the " ADDITIONAL REQUIREMENTS RELATED TO DEBT COLLECTION, '' ( begins at page 7 onward in attached document ). If not they should delete the negative items from all credit reporting agency.
Product: Credit card or prepaid card

I have a 3 American Express Platinum cards which cost me over {$600.00} a year in annual fees, providing the highest level of benefits and service Amex offers to consumers. On XX/XX/XXXX, I created a hotel reservation using my rewards points by accident and called the back of my card immediately. The hotel charge was worth {$440.00} but I used points for the entire purchase. I explained that I was just trying to look at how many points the reservation would cost and that I accidentally clicked on the book button. The call was only 7 minutes long and the person I spoke to from Amex ( his name was XXXX ) said no problem and gave me my points back. I assumed that meant that the reservation was also canceled since I clearly stated at the beginning of the call that I was only trying to see how many points it would cost and did not mean to book it. A couple hours later, I realized that the original hotel reservation I made was the best deal and used my points ( which had been reserved immediately ) to book the same hotel again. 

When I reached the hotel in XXXX, XXXX on XX/XX/XXXX, they said I had 2 exact same reservations in my name. They would not let me check in until I took both rooms even though I only needed one. I immediately called Amex and explained the situation. They opened up a ticket and said they would investigate. One supervisor from membership rewards even admitted on a recorded line that it was an Amex issue about 65 minutes into the call, stating that the membership rewards rep should have contacted Amex travel to cancel the reservation. Over the course of XX/XX/XXXX - XXXX, my wife and I spent over 4.5 hours of call time speaking with Amex. We had 7-8 different individuals ( reps and managers ) tell us they would open a dispute and personally promised to get back to us, but none of them did except the last one. No one gave us a timetable for resolution, no one followed up, and we had to call every 2 days asking for updates to no avail. We finally spoke with a supervisor on XXXX who read the transcript of the call on XX/XX/XXXX and said they would not be refunding, even though in the beginning of the call I stated that I accidentally booked the hotel and was just trying to see how many points it would use. 

I was naturally furious and canceled the card immediately. I have no trust in Amex after this experience and never will work with them for a personal card again. They had no remorse, no offer of trying to fix the situation, no acknowledgement of the horrible customer experience, and no satisfactory resolution.
Product: Debt collection

Radius Global Solutions LLC XXXX XXXX XXXX XXXXXXXX XXXX  XXXX I have tried to communicate with Radius indicating the charges that they are trying to collect are invalid from the dental office. All funds have been paid to the dental office. 
They repeatedly send the same letter with the same billing. I have responded back with my rights and to provide judgement indicating a valid debt. They have failed to do so. 

They are now stating they have received a prior dispute with the same allegations from me and will not be conducting any new investigations. There has been no prior dispute from me and appears that they won't go back to the dental office to clear my account. 

It appears in order for this to go away, I must pay a debt that I do not owe. As a consumer, I'm powerless dealing with this debt collector.
Product: Debt collection

US Bank Credit Card Collections Department charged my US checking account without authorization on XX/XX/XXXX. The amount is {$790.00} which they claim is for the US credit card payment due. The US credit card with US Bank I have is in disputed status due to excessive fees and interests charged. 

US Bank Credit Card Collections department sent notice that arrived on XX/XX/XXXX XXXX ( mailed oXX/XX/XXXX ) to state they are going to charge my checking account, not allowing time to dispute. 

I called US Bank today and notified that this transaction was not authorized, disputed it, and requested return. The US Bank stated no intent to return the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of these items from my credit report, which is the result of fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to me which is reported erroneously. I am in desperate need of these items to be INSPECTED and REMOVED. 

XXXX XXXX XXXXXXXX XXXX ... & XXXX XXXX XXXXXXXX XXXX ....
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
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 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, American Express Account # : XXXX has violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

I was charged three times by XXXX a website I have never once visited, as well as nearly {$50.00} at a XXXX restaurant that we dont have within even an hour of our home. 

My cards had been lost during a move at the time the transactions took place, and Chime bank is refusing to credit the fraudulent transactions. 

XXXX XXXX ( Sunday, XX/XX/2022 ) {$3.00} {$3.00} {$4.00} XXXX ( Wednesday, XX/XX/2022 ) {$47.00}
Product: Debt collection

This company is reporting a debt on my credit report that Ive sent multiple letters to the company to validate the debt and they have not sent or validated anything. I do not have any business with this company at all.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and no one appears to care, that I want to dispute particular records in my credit file that do not belong to me, or that I have signed any agreement. The Items I'm disputing have nothing to do with any transactions I've conducted or authorized in order to obtain goods, services, or money. Please remove the items listed below. XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA XXXX ; XXXX  XXXX bankruptcy XXXX Filed Date : XX/XX/XXXX Reference Number : XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

this company continues violating my rights and is reporting information that is not correct. 

As per 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. 

Hard inquiries that i don not recognize : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA XXXX and TransUnion are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
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 1681. 

Account name : Capitol One # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act these accounts have violated my rights : Account Name : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 Section 1681 Section 602A States I have the right to privacy 15 U.S.C 1681 Section 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of a student loan from my credit report associated with account number [ Account Number ]. According to my records, this loan has been verified as closed, and I believe it should be removed from my credit report to reflect accurate information.

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( a ), negative information that is accurately reported must be removed after seven years from the date of the first delinquency. However, since this student loan has been verified as closed, it should not be impacting my credit profile any longer.

The presence of this account, despite its closed status, is misleading and could adversely affect my creditworthiness. Therefore, I kindly urge the CFPB to take appropriate action to ensure that this account is removed from my credit report.

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely,
Product: Vehicle loan or lease

Subject : Complaint Regarding Vehicle Repossession and Breach of Contract Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint regarding the wrongful repossession of my vehicle that occurred on XX/XX/XXXX, by Hyundai Motor Finance. I believe this action constitutes a violation of the terms outlined in my original retail installment contract ( see attached document ( XXXX ) and an amended contract that I submitted on XX/XX/XXXX. 

According to my original retail installment contract, any amendments must be documented in writing and signed by both parties. I submitted an amended retail installment contract, which was sent via USPS Registered Mail, acknowledged as received on XX/XX/XXXX ( tracking number XXXX ) to Hyundais Motor Finance Trustee XXXX XXXX XXXX at XXXX XXXX XXXX XXXX on XX/XX/XXXX, at XXXX ( tracking number XXXX ) at XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( See attached document ( s ) who are the sole trustees based on Hyundai Auto Receivables XXXX XXXX, XX/XX/XXXX, SEC XXXX annual report which is filed with Securities and Exchange Commission ( SEC ) XXXX This document is a legitimate and binding amendment to the original agreement, establishing my rights as the buyer. 

Hyundai Motor Finance has failed to honor the amended contract, disregarding the changes made, which ultimately led to the wrongful repossession of my vehicle. This failure represents a breach of contract that violates regulations in the UCC and the Truth in Lending Act of 1933. Additionally, I have not received my security interests or necessary documentation to conduct business in good faith, further illustrating a breach of trust that could be perceived as security fraud. 

Furthermore, I have expressly revoked any rights granted to Hyundai Motor Finance to repossess my vehicle and have not consented to share my personal information with any third party. This unauthorized repossession raises significant concerns regarding potential identity theft and fraud, under the regulations outlined in 15 U.S. Code 1681c-2. 

On XX/XX/XXXX, I submitted a promissory note in the amount of {$54000.00}, which represented the total full pay amount due on the vehicle. The instructions provided with this promissory note ( see attached document ( s ) specified that Hyundai had ten days to respond to any issues regarding the note ; however, my attempts to communicate and resolve this matter have been ignored. 

Thank you for your attention to this serious matter. I look forward to your prompt response.
Product: Debt collection

Credence Resources Management thank you for your input but I requested verification from XXXX XXXX XXXX But sense you did it your documentation with signatures seem to be a joke { CFPB please blow these signatures up you will see that they are not the same myself nor my wife write like that. { If this is a contract Where it the SSI number, { My drivers license, or for that matter any thing } these documents is not a contract. so Credence Res how about a validation from you this account XXXX XXXX XXXX you supplied verification, { now validation } { 1 } who you spoke to name and contact information, what was said } both } parties, { any associates you may have spoke to, there name and contact information, times and dates, any coworkers you may have talked to about this account their names and contact information what was said both parties, { the original creditors } address and contact information Credence verified means make sure or demonstrate that { something is true or justified } LAW swears to or support { a statement by affidavit } VALIDATION means the action of checking or proving the validity or accuracy of something CFPB I have a right to is information { reviewing this made up signature documents that are not contract is a crime } you should have the information at hand because you verified right 30 days by law to respond
Product: Credit card

My identity was stolen and someone had made multiple purchases on my card and created multiple credits card. 

I try to dispute the charges on the card but wells fargo did not want to return those money the said I was the one that authorized the charge, which I didn't authorized nothing, now the try to forced closed the account all of it happened between XX/XX/year> to XX/XX/year>
Product: Debt collection

XXXX XXXX has been calling my direct family in regards to Past Due debt for my Mother-in-Law and Sister-in-Law. They leave a message asking to call about the two individuals. When you call, there is a recording indicating this is about a past due payment and then when you speak with an agent, they tell you their auto loan is past due and they would like your assistance in helping them. The most recent incidence was today, XX/XX/2018. They contacted my sister directly and asked for a return call. I called them back to inquire what this was about, they said a debt collection and gave the name of my two in-laws. I told them to stop calling my family, they have no relation, they said they only have one number to call ( my mother 's ) and would remove it ... .I then told them this is not true as they have called my sister as well. I asked them to remove all numbers related to this account and felt that this was harassment. As well, it is adding quite a bit of embarassment to my in-laws since now the entire family is aware their accounts are past due. I believe this to be a violation of the FCRA and advised them as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act convergent account # XXXX or account name XXXX XXXX Bank, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer report agency can not furnish an account without my written instructions.