23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Stenger & Stenger , P.C. on behalf of XXXX XXXX XXXX and as of XX/XX/XXXX XXXX XXXX XXXX XXXX, claims that I owe them a debt when I have never hired or have given expressed written consent to contract with me in any capacity. They've gone as far as filing for a judgement against me when they haven't provided proof of service or any shred of evidence that I owe them any amount. They refuse to produce any contract with my signature granting their company or employees permission to buy my personal information, contact me or to sell my personal information to a 3rd party. They have been harassing me about this unsubstantiated claim since XX/XX/XXXX. They also refuse to produce an explanation as to their process of validating their claim against me. They have been awarded judgement through violating my right to Due Process as I was not informed that there was a court date set. They've filed a Wage Garnishment with the State of Michigan as well. They have recently filed a motion to substitute that company awarded the judgement thus selling my personal information without written consent. This constitutes Identity Theft as well as Human Trafficking if any securities were created from these fraudulent claims and subsequent Adverse Action that has affected my ability to obtain credit. I've sent several requests for a contract containing my written consent with both parties agreeing to the alleged " debt '' and multiple Cease & Desist letters to no avail. Interest has caused this alleged debt to double since XX/XX/XXXX. They are in violation of 15 USC 1692 ( c ), 15 USC 1681n and 15 USC 1681b.
Product: Vehicle loan or lease

I showed up to carhop In XXXX WA, they could see I was desperate for a car after they pulled a beaten switch on me with a couple different vehicles? They finally got to the one and only vehicle they would offer me which was a XXXX XXXX XXXX with obvious rust damage throughout the whole car massive amounts of dog hair all throughout the seats, filthy dirty, never was detailed not even cleaned., we all have a choice however I was in a XXXX XXXX need for a vehicle. They told me I couldnt get a nicer vehicle that actually cost the same or less as this one they charged me over {$13000.00} with terrible interest rate out the door for this Lemmon, that had mechanical problems from day one I called him, informed them as they tell me to do they give me a number and name to a mechanic that use for customers problems only for me to call never to be able to get through to somebody, and when I finally was able to, they were not only days or weeks out of an appointment they were months out! Mechanical problems became worse with this car. The rust was getting bad. There was black mold throughout the car and to make matters worse when I was doing the financing I said, what about insurance? They told me. We do not care if you get insurance one way or another so I naturally put that off, however? I did say. I 100 percent t need GAP insurance! That they refused and they said they dont do that I have to pay for that elsewhere? Since then the car was stolen and I got a phone call from the towing company where I went to retrieve my belongings out of the car that were still left that were not stolen for me and the car was completely wrecked and its still in the XXXXXXXX XXXX XXXX in XXXX Washington wrecking up Payments owed the car was stolen from me. I called the XXXX police gave them a report. Nothing came of it and said Im not gon na pay for this car. They keep calling me to make payments on the first three months I was late on my payments, but made the payments after that I made 3 to 4 more payments on time every time as soon as it was due now Im going on two months late I think 37 days to be exact? I need out of this lemon they charged me over {$13000.00} for this car thats not even worth {$1500.00}. I need to get a new vehicle but I cant do anything with this on my credit. They want to help me pay it lower amount to charge it off paid off? But Im not gon na do that they have gotten more than what its worth through my payments. Theyre not getting another dime for this car no matter what. They used bait and switch tactics they used a price change tactic where they had a sticker price and then they told me the real price? The sticker price was {$2500.00} and then they told me it was a mistake it was really {$13000.00} give me a break? Total scam artist beware please help me out of this.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Subject : Formal Dispute and Request for Investigation Account # XXXX I am writing to formally dispute the reporting of the account referenced above as it appears on my credit reports provided by TransUnion, XXXX, and XXXX. The discrepancies between the information reported by these bureaus, along with XXXX 's documented history of inadequate investigation practices, necessitate immediate attention. 

Key Discrepancies in Reporting : TransUnion : Account Status : Indeterminate. 
Payment Status : Payment after charge off/collection. 
Last Reported Date : XX/XX/year>. 
Comments : Purchased by another lender. 

XXXX : Account Status : Indeterminate. 
Payment Status : Charge-off. 
Last Reported Date : XX/XX/year> XXXX : No account details reported for this account. 
Grounds for Dispute : Incomplete and Inconsistent Reporting : The account is inconsistently reported across TransUnion and XXXX, with XXXX failing to provide any details. This raises concerns about the accuracy and completeness of the data being reported. 

Violation of the Fair Credit Reporting Act ( FCRA ) : Under the FCRA, all information furnished to consumer reporting agencies must be accurate and verifiable. The discrepancies between the bureaus demonstrate that this requirement is not being met. Additionally, XXXX 's lack of reporting on this account highlights a failure to maintain a complete credit file. 

XXXX 's XXXX Investigations : XXXX has a documented history of conducting " XXXX  investigations '' into consumer disputes, including a recent case where the company failed to conduct reasonable investigations into consumer complaints, as required under the FCRA. This calls into question the validity of any automated or cursory reviews XXXX may attempt in this instance. 

Resolution Requested : Provide a thorough and detailed investigation of the discrepancies outlined above. 
Verify the accuracy of all reported data, ensuring alignment across all three credit bureaus. 

Remove any inaccurate, unverifiable, or outdated information regarding this account from my credit reports. 

Provide me with written confirmation of the actions taken as a result of this dispute. 
Please note that under the FCRA, you are required to complete your investigation within 30 days of receiving this dispute. If you find that the information can not be verified, it must be promptly deleted or corrected. 

Supporting Information : I have enclosed copies of my credit reports from TransUnion, XXXX, and XXXX, highlighting the discrepancies for your reference. 

Failure to address this matter accurately and within the legal timeframe may result in further action, including filing complaints with each state AG and pursuing legal remedies.

Thank you for your immediate attention to this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

1. Failure to Validate the Debt : Under the Fair Debt Collection Practices Act, I have previously requested validation of this debt starting back from XXXX of last year and numerous times since. To date, the creditor has not provided any original signed contracts or agreements that legally bind me to this debt. Copies of statements or generic account summaries are insufficient and do not constitute proper validation. 
2. Incorrect Reporting of Charged-Off Debt : Since these accounts have been charged off, I should have received a Form XXXX from the creditor, indicating that the debt has been canceled and considered as income for tax purposes. XXXX is not a tradeline and should not be reported on my credit report. The continued reporting of these charged-off accounts is in violation of the Fair Credit Reporting Act, as it does not accurately reflect my current financial obligations.
Product: Checking or savings account

XX/XX/year> - called Marcus to update my phone number on my account as I lost access to prior registered number. Was told it would not be possible as the system was not allowing them to do so. Was told I can not use my state ID to verify myself either as NY State doesn't permit it. Was given no alternative but a case was opened and told I'd receive help in 1-3 days. No one helped. 

- A transfer request I made from Marcus account to my newly linked XXXX account was cancelled by Marcus. 

XX/XX/year> - I call back and ask for an update. Am told to wait an additional 1-3 days. 

- I try to withdraw some money from my Marcus account to my XXXX XXXX account which is already linked and been used for transfer several times before. That is denied and the error message says to call customer care. 

XX/XX/year> - I call again and am told my number change request has put my account on review and no transfers can be made but the issue is being worked on. I am frustrated and request to close my account completely. I speak to multiple representatives including a supervisor and have been on the phone for a hour now. Supervisor tries to make a transfer and thus close the account. That doesn't work because I'm told the account is still under review given the phone number change request. I am told there's nothing that can be done at the moment until their review is done and to give it 1-2 weeks. 

- I receive no updates or communication from Marcus. 

XX/XX/year> - I attempt again to make a transfer from my Marcus to my already linked XXXX XXXX account and it is not possible. I call Marcus customer care again. Am told I can not speak to someone other than the supervisor without authenticating myself at the number on the account. I re-explain that that is the whole reason I'm calling! I am told a new case will be opened and someone will call me at my new number in 1-3 days. 

It's been over a month with no way for me to transfer my money out of Marcus.
Product: Credit card or prepaid card

I had found flights through Capital One XXXX  for a trip to XXXX  with my partner ( XXXX XXXX ) who is also a Capital One member. When we had decided to purchase these tickets on XX/XX/XXXX a notification came up on my screen stating an additional {$81.00} per ticket had been added. This happened seconds after my partner booked her flights for the correct price with no additional fee and as I was inputting my payment info, Capital One XXXX XXXX  credit card ending in XXXX. I immediately called Capital One XXXX  with hopes to have the price matched to the original price that I attempted to book. After the service representative failed to grant my request, I stated that I would not be purchasing my flights with Capital One XXXX but through the airlines directly, which I did so shortly after. Once, I ended the call with the Capital One sales representative, I closed the tab on the booking page, never having clicked book or purchase tickets, and went about my day to search and purchase tickets through XXXX ( Confirmation Number ( s ) XXXX, XXXX ) and XXXX XXXX ( Confirmation Number XXXX ). 

A few days later Im paying my credit cards, which I do every 2-3 weeks and notice a charge from Capital One XXXX  . I immediately called them to figure out what happened as I never purchased tickets through them. They assure me that they can trace a click or prove that I booked my flights through them, which I never did. After explaining my exact actions and reassuring them that I never booked with Capital One XXXX they continued to inform me that I did something I did not do. I mentioned that there could have been a glitch or malfunction with their page or their tracking system because I am more than one hundred percent certain that I did not purchase anything through the Capital One XXXX platform. 
Regarding the second charge : While in XXXX, I stopped at a convince store to purchase gum, XXXX, a deck of playing cards and a bottle of water. After returning home and paying off my credit cards as I normally do, I noticed that I was being charged {$200.00} USD for something that should have been around {$10.00} USD. I found that the conversion rate is close to what the total should have been. If it was XXXX pesos, it would have been an accurate purchase but I was either scammed or mistakenly charged in USD. Capital One claims that I need to have the paper receipt to dispute this obviously incorrect charge. 
I've spent days on the phone with capital one to resolve this issue of false charges and have only been given a {$100.00} goodwill credit.
Product: Mortgage

Wells Fargo Mortgage is continuing to harm consumers who have their mortgage loans with them. I asked for assistance for one month with my current loan modification payment and Wells Fargo offered me no help only options that would harm me and benefit Wells Fargo. Examples are higher interest rate modificiation which would create a further hardship and put my home at risk of foreclosure and offering me a repayment program for only 3 months which would make the payment unaffordable. Wells Fargo in the past had a deferment program to help mortgage holders skip a month, adding it to the end of the loan as a courtesy to help with temporary hardship. Wells Fargo no longer offers this program. Instead they are only interested in greed. As a consumer I am very upset your agency is allowing Wells Fargo to continue their bad business practices and harming consumers instead of enforcing rule against this bank. Apparently a XXXX XXXX fine is not enough to prevent Wells Fargo from continuing to harm consumers. Please investigate.
Product: Credit card or prepaid card

I received a Square debit card that I did not sign up for. The card had my name and was mailed to an old address ( parents home address ). I contacted the company to investigate. This did not show up on my credit report.
Product: Credit reporting or other personal consumer reports

In XX/XX/year> I received a credit alert that a new mortgage account was opened. I did open a new mortgage but the mortgage proceeding was closed in an LLC of mines in XXXX. The mortgage was opened under XXXX XXXX XXXX, the mortgage was sold to XXXX XXXX XXXX which started reporting under me personally. I bought this property under my LLC, it needs to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

This morning, I was stunned to see inaccurate accounts on my credit report, and I can't understand how this could happen. I regularly check my credit report, but this time, there were unexpected errors that Ive never encountered before. I even refreshed my browser, hoping it was a glitch, but the inaccurate accounts remained.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of fraudulent accounts from my credit report, which I believe were opened as a result of identity theft. I have already taken the necessary steps to report the identity theft to the appropriate authorities and to mitigate any further damage to my credit. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Identity Theft Consumer Protection Act, 15 U.S.C. 1681c-2, I am requesting that you investigate and remove the following fraudulent accounts from my credit file : XXXX XXXX XXXX XXXX {$750.00} XXXX & XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX {$8500.00} XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX {$2400.00} XXXX XXXX XXXX {$5200.00} XXXX  XXXX XXXX {$300.00} XXXX XXXX XXXX {$8500.00} These accounts were opened without my authorization. I have attached a completed Identity Theft Report, which is required under the FCRA. As per the law, I am requesting that you block these fraudulent accounts from my credit report and provide me with a written confirmation of this action. 
Please find the following documentation attached to support my claim : A copy of my government-issued ID. 
A copy of my Social Security card. 
A copy of the Identity Theft Report. 
Any other supporting documents, as needed. 
Under the FCRA, you are required to complete your investigation within 30 days of receiving this request. I respectfully ask that you notify me of your findings in writing and update my credit report accordingly. 
If you require any additional information to proceed with this request, please do not hesitate to contact me. I look forward to your prompt attention to this matter and the removal of these fraudulent accounts. 
Thank you for your time and assistance. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, AC # XXXX, DO:XXXX, Amount {$2000.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX XXXX, AC # XXXX, DO:XXXX, Amount {$1100.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXXXXXX XXXX XXXXXXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$8600.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX XXXX , AC XXXX XXXX, DO : XX/XX/XXXX, Amount {$750.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX AC # XXXX, DO : XX/XX/XXXX, Amount {$180000.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$15000.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX XXXX, Ac # XXXX, DO : XX/XX/XXXX, Amount {$20000.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX XXXX, Ac # XXXX, DO : XX/XX/XXXX, Amount {$8600.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX XXXX, Ac # XXXX, DO : XX/XX/XXXX, Amount {$2600.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible.
Product: Credit card or prepaid card

I AM XXXX XXXX XXXX XXXX WITH SOCIAL SECURITY AS MY ONLY INCOME.I WAS OFFERED A CREDIT CARD FROM AVANT FINANCIAL CORPORATION. I WAS HAVING TROUBLE MEETING THE PAYMENT DUE DATE. I REACHED OUT TO AVANT 'S CUSTOMER SERVICE TO ASK IF THE PAYMENT DATE COULD BE CHANGED. I WAS TOLD " NO. '' I CONTINUED TO HAVE TROUBLE MAKING THE PAYMENT ON THE DUE DATE BECAUSE I DON'T GET MY CHECK UNTIL THE XXXX OF THE MONTH. AGAIN, I REACHED OUT. THIS PARTICULAR CUSTOMER SERVICE WAS VERY RUDE TO ME, STATING THAT I COULD TAKE MY COMPLAINT TO THE CORPORATE LEVEL AND THE ANSWER WOULD STILL BE " NO. '' I WAS APPALLED BY THE WAY I WAS TREATED, SO I WROTE A LETTER IN XXXX XXXX TO THE CEO OF AVANT, XXXX XXXX. IT IS NOW XX/XX/XXXX AND I HAVE NOT RECEIVED A REPLY. ALSO, BECAUSE OF THEIR BILLING CYCLE THERE ARE SOME MONTHS WHEN 2 PAYMENTS ARE REQUIRED. I'M HAVING DIFFICULTY MAKING PAYMENTS. THIS COMPANY DOES NOT SEEM TO WANT TO WORK WITH THEIR CONSUMERS. THEY ALSO DO NOT SEND REMINDERS WHEN THE ANNUAL FEE IS DUE WHICH CAUSED MY AMOUNT OWED TO BE IN THE RED!! OTHER CREDIT CARD COMPANIES HAVE BEEN VERY READY TO WORK WITH ME. AVANT DOES NOT APPEAR TO CARE WHAT THEIR CUSTOMERS THINK. I FEEL AS THOUGH I'VE BEEN TREATED LIKE A " SECOND-CLASS '' CITIZEN. I FEEL THAT I HAVE BEEN DISRESPECTED, BUT, FURTHERMORE FEEL THAT AVANT DOESN'T CARE!! I AM ASKING FOR HELP IN REACHING OUT TO AVANT ON MY BEHALF TO HELP RESOLVE THIS PROBLEM. BY THE WAY I ALSO TRIED TO CALL THE PHONE NUMBER LISTED FOR THE CORPORATE OFFICE IN XXXX. EACH TIME I CALLED I GOT A BUSY SIGNAL. THANK YOU FOR YOUR TIME AND ATTENTION TO THIS MATTER AND FOR YOUR HELP!! IF YOU REQUIRE FURTHER INFORMATION, PLEASE CONTACT ME.
Product: Credit reporting

Experian is reporting XXXX collection accounts on the same student loan. I have disputed this information quite a few times to have the account removed from my credit profile, but the items still remains as if I have XXXX outstanding student loan debt. 

The CRA policy is based on termination of a debt collector 's authority and the debt remaining unpaid. Deletion is intended to prevent XXXX collections from simultaneously reporting on the same debt.
Product: Credit card

offer mailed, offer not executed, yet they keep sending me new applications. 

send the card OR cease and desist all mailing.
Product: Bank account or service

My netspend debit card got unauthorized transactions for a hotel in XXXX which I do not have passport nor purchased a plane ticket..I had charges from XXXX XXXX.XXXX XXXX.i called the police as it was happening be they did not have a 24th our hot line called in the morning had card blocked was told charges was pending an they allowed the transaction to go thru days later after having my card blocked..I 've called several times an told different things an hung up on ... I am very upset I have bills do an need food for my children ... Please send a fax so I can fax documents
Product: Debt collection

I have a month to month lease with my old apartments. I notified the manager that I'm leaving next month as my contract said. My English is not that good and I asked my brother who speaks better English to talk to the manager as well and notify her of my last day at the apartment which was XXXX XXXX. My brother and I confirmed our last date and she understood it and she told us she will deduct the deposit fees ( {$250.00} ) and we agreed on everything, then she asked us to make it in writing as well, so we put it in writing and my brother went next day and dropped it in the box outside the office because the office was closed that time. I moved out the apartment in XX/XX/2019 and I dropped the keys at the office, then I received a letter from the apartments asking for XXXX rent and almost {$700.00} fees for not giving them a notice. Why would I pay XXXX month if my last month of stay is XXXX, and if they consider I need a month notification, they should charge XXXX month as a notification period and not both. When I tried to talk to the manager, XXXX XXXX, she threatened me either to pay or collection agency and ruining my credit. I was expecting suing and going to court, but she sent the fake bill to the collection agency which they never contacted me in writing or never called me about this fake bill. It is an obvious way of using power, threatening people and taking advantage of their low language and communication skills.