23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a call from XXXX XXXX XXXX about a credit card debt owed by US Bank. They said that I took out the credit card in XXXX and defaulted on it in XXXX. I never had a credit card with US Bank. 
They called me XX/XX/XXXX, in the evening. I called US Bank on XX/XX/XXXX in the morning. US Bank has no record of me ever having a credit card with them. The only account I have ever had with them is my son 's account because he opened it before he turned XXXX. 
I called XXXX XXXX XXXX back and let them know that US Bank said that I never had an account with them and that they do not delete accounts they sell for collection until after 7 years. 
XXXX XXXX XXXX insisted that I settle the account or they would get a judgement against me for 10 years, attach my wages and bank account and any property and vehicles that I own. 
US Bank told me that they have to be a phishing scam looking for information from me. 
I told XXXX XXXX XXXX to take me to court because I was not paying them anything on this because the account never existed.
Product: Consumer Loan

To whom it  may  concern : In 2013, I cosigned a loan fr om Santander Consumer f or a  XXXX   XXXX   XXXX . Since then, the signee and I have experienced problems, ranging from lost payments to unfulfilled agreements. One of the more pressing issues, however happened last  XXXX , when they repossessed the vehicle without any letters or notifications to let us know. Worried about my credit, I called Santander and negotiated a reinstatement amount ; they also agreed to remove the repossession since I was going to pay. As a cosigner, I went ahead and paid the full amount and I retrieved the car. However, the agreement was not kept. The repossession was not removed from my credit. Thus, I would like to formally request the removal of the repossession last year from my account and credit report. I have made several payments since then, as well as going so far as to pay extra. As a second point of contention, I would like to request a reconsideration of the interest rate on the vehicle, pursuant to the Arkansas ursery law. he current rate of the loan is 20.6 %, which is 3.6 % over the Arkansas cap of 17 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX : XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$400.00} XXXX : XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$360.00} TransUnion : XXXX XXXX XXXX {$0.00} XXXX XXXX Balance {$400.00}
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT XXXX, and I include it again. Kindly correct this account XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover Financial Services is in violation of 15U.S.C 1681b ( a ) 3 ( f ) ( i ) ; for unlawfully obtaining my XXXX  Consumer Report on ( XX/XX/2022 ) without my authorization or permissible purpose under the Fair Credit Reporting Act and its guidelines. It has been more than 60 days since they were notified of their violation and they have not provided me a copy of my written authorization I gave them or permissible purpose.
Product: Vehicle loan or lease

On XX/XX/XXXX. XXXXI received my credit reports and observed Credit Acceptance has a voluntary surrender on the account, this is false information. I filed a previous complaint against Credit Acceptance with the Consumer Financial Protection Bureau under report # XXXX. Credit Acceptance requested an extension for investigative purposes and the account was removed from my credit reports and then reappeared today, XX/XX/year>. I have the vehicle and it was not voluntarily surrendered.
Product: Credit card

I am writing to formally dispute two fraudulent charges made on my credit card on XX/XX/year>, originating from XXXX in the amounts of {$1900.00} and {$1600.00}. 

At the time of these transactions, I was in XXXX, and my credit card was securely in my possession. I received a text message alert regarding these suspicious charges and promptly responded that I had not authorized them. 

Following my report, the bank conducted an investigation into my claim of fraudulent activity. However, I was informed that my claim was not approved, as indicated in the attached letter. Upon reviewing this correspondence, I noticed that the XXXX XXXX email address associated with the fraudulent transactions is not mine. I have never opened an account with XXXX, suggesting that an account may have been created in my name for the purpose of impersonation, which has since been closed, as the email address is no longer valid. 

As a long-standing customer of this bank for over 10 years, I have consistently made all payments on or before the due date, reflecting my reliability and lack of history regarding false claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried using XXXX to get my free credit report from each agency. It only worked for one. Both XXXX  and Experian refused to give me my credit report online, and instead insisted I mail them of bunch of documentation.
Product: Debt collection

I am forced to reach out to you for assistance as a last resort. It 's been well over 3 years ago that I closed my short sale successfully and " cleared '' my debt with XXXX XXXX XXXX ( loan # s : XXXX & XXXX ), But for some reason I am still being harrassed by debt collectors from Nationstar ( # XXXX ) trying to collect on a debt that was settled on the shortsale transaction with XXXX XXXX XXXX ( # XXXX ) on XXXX/XXXX/2012. 
They are also falsely reporting this debt to the credit bureau.
Product: Credit reporting or other personal consumer reports

XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). XXXX is depriving me of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization or consent to nonaffiliated third parties, including but not limited to TRANSUNION Consumer Reporting Agencies by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Payday loan

I made an agreement over thee telephone to pay them {$210.00} for 7 months, I only brorrowed {$800.00} from them in which there trying to charge me an interest rate @ 800 %. They did not disclose this info until the papers were signed for this loan. I asked this company to send me an email with the new payment arrangements and they never did. I have come to the conclusion that that {$210.00} per month would be interest only. They are trying to make me pay {$6200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX  # XXXX, and account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A : states I have the rights to privacy.

15 U.S.C 1681 Section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

The amount child support enforcement of Kansas is asking for is not valid. I have had a payment made by the state of XXXX for obtaining my GED. I also was not the one that asked for this money or received it at anytime and my children never received the money either. The person that received the benefits did not use it toward my children.
Product: Checking or savings account

I made a purchase on XXXX/17 through a website. The total purchase was XXXX. When i received the order confirmation from the company my address was wrong. I tried to call them and their phone number just seemed dead, it did not connect or anything. I submitted two different contact forms through their website with no response. A few days later I filed a claim through my bank which is JP Morgan Chase, they temporarily gave me the funds back and said that it would go through a 45 day investigation. 45 days came and went and nothing came of it. Last week Chase took the funds back from me and when I called them I was told that this is not Fraud because I made the purchase ( even though this company does not exist and since also took their website down ) and that the seller use XXXX as their merchant services which protects the seller and that I have no protection of my money because of that. I spoke to someone else at Chase who said that did not make any sense and they would reopen the claim. I called again today and was told that the case was not reopen they were just going through the documents again and that this was not fraud because I made the purchase and there is nothing they can do to give me my money back. They have no contact information for me to contact sqaure. There is no contact information for this company, when you google the address it is a home address.
Product: Mortgage

Spoke with my mortgage company Wells Fargo XXXX requesting a forbearance because I have been affected by Covid-19. I spoke with XXXX to request the forbearance, she tried to put the request in their system but could not process my request. XXXX transferred me to XXXX XXXX in the preservation dept. she was unable to assist me with the request. XXXX transferred me again to XXXX, XXXX transferred me XXXX. After I was transferred 5 times and on the phone 2 hours they still did not process my request for the forbearance. Wells Fargo is giving me the run around and I don't want to lose my home. I have faxed my request to Wells Fargo requesting the forbearance. Please Help
Product: Credit reporting or other personal consumer reports

Back in XX/XX/XXXX I called ally financial to dispute late payments on my credit report. I was advised by the rep he sent it over to the department that works the disputes. Today is XX/XX/XXXX and i have yet to hear anything. So I call. First lady says oh yeah I see they sent you an email.XX/XX/XXXX wanting exact reasons why u were late paying for those dates. I said I never got an email nor a letter.then call was dropped. 
I call back 2nd lady said well it's not my fault they closed the case since u never responded. I said I'm sorry but is that how you talk to paying customers? Secondly I never got an email. She said ok well I'm sorry. I said let me speak to your supervisor. She hung up. 
I call back. A 3rd rep now. She is trying to tell me to contact the credit bureus I'm like look let me just have a supervisor please. Supervisor gets on the phone she says so why were u late and for what months. So i said " My first XXXX had me off work from XXXX XXXX. 
Second XXXX had me off work XXXX-XXXX  XXXX And my last XXXX had me off work XXXX XXXX '' The supervisor, XXXX, proceeded with `` it shouldn't take anyone that long to pay their bills '' I'm so upset with customer service with ally. None of them care about any individual that pays them. I asked XXXX to have her manager call me. I am still waiting.
Product: Bank account or service

Upon viewing my consumer report I noticed that their is a US Bank account that I never opened. I was recently a victim of ID Theft. I believe that this is a result of the ID Theft. I sent the following dispute to the XXXX but I received no response. I ask that this information be immediately deleted from the record they maintain under my Social Security number and provide an updated report. 



XXXX/XXXX/2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Fax : ( XXXX ) XXXX To Whom It May Concern : I was recently informed of negative information reported by US BANK included in the file XXXX maintains under my Social Security number. Upon ordering a copy of the report, I found an entry from this bank listing a ACCOUNT CLOSURE FOR ABUSE. 

I am unaware of ever having an account from this US BANK. 

Please validate this information with US Bank and provide me with copies of any documentation associated with this " [ item ] '' bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. 

For your reference, my personal information is as follows : XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB, you all are supposed to assist especially if the credit bureaus are not doing their jobs and I am not understanding. This is my 3rd time asking for assistance with my credit and no one is responding back to me nor investigating my disputes.. The below items does not belong to me and I am trying my best to try and buy me a house but this negative debt is hindering me. Can you all investigate these items and either provide proof of my signature or delete them. Thank you. 

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, Texas XXXX XX/XX/1966
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE BEEN TRYING TO GET THIS ACCOUNT REMOVED FROM MY EXPERIAN CREDIT FILE FOR SEVERAL MONTHS NOW AND THEY KEEP TELLING ME THE CREDITOR VERIFIED THAT THE ACCOUNT BELONGS TO ME BUT I'VE NEVER RECEIVED ANYTHING BESIDES A BILL WHICH DOES NOT BELONG TO ME. THEY KEEP CHANGING INFORMATION RELATED TO THE ACCOUNT WHICH I'VE INCLUDED WITH THIS COMPLIANT. THE ACCOUNT HAS ERRORS WHICH IS A VIOLATION ALSO.
Product: Debt collection

On said NAVY C/U account I was paying just fine, and being a business owner, and I was using that card for my business, but was seeking additional capital to launch my new website, having said that I looked for financing and was contacted by a supposed NAVY C/U loan specialist, and he said he could get me a better loan and pay off my existing one in the process, so he new all the terminology and of coarse I believed him. 
So with in a week he had Paid off {$10000.00} on my card, and I was waiting for my new card supposedly? 
He some how recharged what balance I had left, and maxed me out, you can tell by the charges, XXXX ads and more and I was frauded. 

I want to pay this off but because of this on my credit I can not get a loan to pay them off, they made me offer because they know I was frauded ... And this has been the 5th time I have been lied and cheated out of money for loans, this is hurting my ability to stay in business let alone survive in the market. 
Please help thank you with business funding not being regulated a lot of people are being scammed and this is not fair to my life and has caused many hardships due it this being on my XXXX. The other 2 companies saw the fraud and removed it! 
This card in? I believe was a user only card My mom and I were in business together she invested in it she has since passed and technically should not be on my credit if so
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following 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: Checking or savings account

I contacted Chase Bank back in XX/XX/year> about Checking/Savings account 's that Chase bank had allowed to be opened without my consent, due to identity theft. These accounts were opened a few years back, I believe. I never received any account opening documents. I have never lived at any of the addresses they have listed on those accounts. I did not sign any account applications, and I never received any debit cards. I also did not apply for any credit cards with Chase bank. I did not apply for any checking or savings account 's either. First of all Chase Bank confirmed they closed most of the checking and savings accounts with exception of the following accounts One ending in XXXX. On the XXXX It says you denied my claim, and when I called to ask why I was told to send a police report in that shows the Chase Bank account 's opened fraudulently. I was also told it was because some payment made to a XXXX XXXX XXXX XXXX  XXXX XXXX account. Neither of which have I ever done business with. So any transfers that would have occurred would of course be Fraudulent. These account 's were opened as Identity Fraud. I sent an identity theft affidavit. I am reattaching the affidavit. Along with a Police Report submitted on behalf of the Chase Bank accounts. It is also worth noting that Chase Bank had allowed another email address to be registered also ( XXXX ) This is not my email address. Lastly the letters that they supposedly sent regarding the credit cards were sent to some XXXX XXXX address in XXXX, I don't know whos address that is but it makes sense why I never received those letters. Regardless Chase bank has an obligation to remove my liability from ALL Checking and Savings accounts. I should not be responsible for accounts that were opened by an Identity Thief, and Chase Bank should take my claim more seriously as opposed to just denying the claim and then telling me you verified it to public sources? What Public sources? If it was any address you verified in the past most likely it's been removed from my profile because I did not live at those addresses and I have updated my credit files with Extended Fraud Alerts. I want to confirm that Chase Bank does remove and close the fraudulent checking and savings accounts. Chase Bank should not have me flagged for Accounts I never opened nor conducted business on. I have no monetary ties to any of the said accounts, and Chase Bank has these accounts linked to my social and should not. These Accounts are and were fraudulent. An Identity Thief/Fraudster opened these accounts, and I want to confirm Chase Bank Identity theft department has resolved this issue. IF I ever happen to want to open a Chase Bank account in the future I should be allowed because I never opened the previous accounts to begin with. I have never been a chase customer. Please correct your information and close the fraudulent accounts. Every bank should have an identity theft department and should properly investigate my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with GM FINANCIAL and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX  GM FINANCIAL and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Debt collection

I contacted CREDIT MANAGEMENT on XX/XX/2022. I told them that this debt was not mine. They would not investigate. They stated I had to call XXXX in order to get the collection removed. I do not live in the city this debt occured in and never have. I have proof of where I have been living for the last 6 years in the form of utility bills in my name. They were not even interested in seeing them. This has lowered my XXXX XXXX by XXXX points. the account number is XXXX. I am uploading the untility bills for the dates in questions. I also have an address in North Carolina. Thus the license for there. 

I have also contacted XXXX XXXX and submitted a fraud package. They say it will take an additional 30 days to investigate and XXXX to XXXX to report it to the collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card company close one of my credit cards because there was a security alert on my identity and they wanted me to send in my identification. This is in 2020 when the covid was fully just started and the only option they would give for me to send them my identification was to mail it through the post office I had just went on for a little at work, and I didn't want to go out and have to go stand in line at the post office. So they didn't give me any other option to send my identification and so therefore they close my account. It ruined my credit. And after a month I kept on complaining and trying to send them my identification finally they let me email it to them and everything was fine. Then they kept on sending letters and calling me and asking me to reopen my account but they already ruined my credit. So finally I let them open one of my accounts because I had two. So I let them open the one with the lowest credit limit which was a {$300.00} limit. They send me my new card and we're doing just fine I go to check my credit report and they're reporting the wrong credit card with the wrong account on there and the credit limit is a {$900.00} limit I complain about it and they do nothing about it I log on to my account online. and it's the right account online they're sending me the bill I'm paying the bill every month they're sending me the right bill but they're reporting the wrong account to the reporting agency. And continuing to ruin my credit saying I'm delinquent payment every month. and my problem is transunions does not require creditors to show proof that it's my account, because if they did it would have been taken off. They've been reporting it for 3 years. I have proof that they're reporting the wrong card I have a email from XX/XX/2020 saying I paid a {$250.00} payment and if you look on my XXXX credit report it says that month XX/XX/2020 that I was delinquent 90 days I wasn't it's the wrong account they're reporting so can you guys help me. The document I'm uploading is ( XXXX ) has the right account number and it's showing that I paid {$250.00} Wich was my balance on {$300.00} limit not like the {$700.00} limit they've been reporting delinquent every month for over 2 years.