23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX in this website I did a complains agains Chrysler Capitel because my request was to SHOW AS the conversation I have with each representative after the repossession of the car in which I still have a debt with them. 

Even they sent me a letter by mail that said " YOU CAN GET YOUR CAR BACK ANY TIME BEFORE WE SELL IT BY PAYING US THE FULL AMOUNT YOU OWE including expenses. TO LEARN THE EXACT AMOUNT YOU MUST PAY, CALL ... '' In this letter does NOT said " let me see if you qualified to get you car back '' as you can read in the previous parragraph. ( attached letter ), The representative that didn't allow me to paid the amount by phone it could be any of this names " XXXX '' or " XXXX '' or '' XXXX ''. 
Did not gave me the opportunity to talk with any supervisor. 
I call several time a requesting a supervisor, none of the representatives English or XXXX speaker didn't allowed me to pay my car or connected me with a supervisor. 

Because the previous representative decided not to sell my car even I had the money to pay and I can show in the statement of my back account. 

Meanwhile, I have to rent a car three times and to buy a second car to move between XXXX and XXXX long drive and have the debt with Chrysler Capital.. 
They sold my car a XXXX XXXX  XXXX and then I received different emails with different amount of how much I own and still in the response that they gave here in the past complain the send a old amount. 

I also said to the representative " XXXX '' if I am not wrong this is her name, that I wanted the supervisor or I will hire a lawyer and he will listen this conversation. 
She also told me " GOOD LUCK WITH ANY LAWYER THAT WILL HELPED YOU TO REQUEST THE CONVERSATIONS AND SHE WAS THE SAME THAT DIDN'T'T ALLOWED ME TO TALK WITH A SUPERVISOR '' And my following calls to try ro talk with different representative in English or XXXX, all of them told me the same NO SUPERVISOR and NO POSSIBILITY TO PAY THE DIFFERENT OF YOUR CAR, TO TAKE YOUR CARE BACK. 

I am requesting all the conversation I have after the repossession, because they didn't allowed me to paid the different and continue with my car. 
And I would like to finish with the representative " XXXX '' how she also remains of " HOW THIS WILL AFFECT THIS MY CREDIT SCORE. '' I am requesting all the conversation I have with Chrysler Capital.
Product: Debt collection

I am a single mother. I recently tried to purchase a home and was denied because of my credit. That inspired me to pull my own credit report to see why i was denied. To my discovery there several unauthorized accounts in my credit report that were nit authorized by me.
Product: Credit reporting or other personal consumer reports

Please remove the account XXXX XXXX XXXX XXXX from my credit report per the agreement with the creditor. This account was paid in full on XX/XX/year> and should have been deleted when account was paid satisfactorily. I have attached the PROMISSORY NOTE AND SECURITY AGREEMENT ( WITH ARBITRATION CLAUSE ) for your reference.
Product: Credit reporting

I checked my report via XXXX and my inquiries were all removed now they are all back on and I was not advised as to why? 

Why delete and then add them back?
Product: Credit card or prepaid card

About XX/XX/XXXX I received an e-mail from XXXX XXXX asking if this new card was mine. I opened the app and looked at report and noticed a new card had been opened in my name. I called the company listed with the card and told them I didn't open this account. They asked for my address and I gave them my address and it wasn't the correct one that was listed with the account. I gave them my previous address and that was not the correct one either. I have lived at my current address since XX/XX/XXXX. my previous address I had moved in on XX/XX/XXXX. The company I reported this to sent me a letter and asked for me to fill out a report for fraud / identity theft and send it back to them so they can determine the case. I did not file for a credit card with this company Indigo Mastercard.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing regarding a notice I received from your company about an alleged debt that you claim I owe. I am requesting validation of this debt in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically ). U.S.C. 1692 ( g15 Please provide me with the following information so that I may verify the debt : 1. The name and address of the original creditor.

2. The amount of the debt, including an itemized breakdown of the principal, interest, fees, and other charges.. Proof that you are authorized to collect this debt.

3.Copies of any agreements or contracts that I allegedly signed, showing my responsibility for this debt.A 4. Copy of the full payment history on this account, including details of all payments made and any additional charges applied.

In accordance with 15 U.S.C. 1692g ( b ), I request that all collection activities cease until you provide the requested validation of this debt.

Please be advised that failure to provide sufficient validation will result in my disputing this debt with all relevant credit reporting agencies and filing complaints with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). 

This letter is not a refusal to pay but a request for verification of the alleged debt. I request that all further communication regarding this matter be conducted in writing. 



hat all collection activities cease until you provide the requested validation of this debt. 

Please be advised that failure to provide sufficient validation will result in my disputing this debt with all relevant credit reporting agencies and filing complaints with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). 

This letter is not a refusal to pay but a request for verification of the alleged debt. I request that all further communication regarding this matter be conducted in writing.
Product: Consumer Loan

I was laid off this past summer and went and told this loan company this information. The very first thing the manager did was to look and see what I could sell to pay the loan payment that was not overdue. I continued to pay through the fall as I got severance pay. When the severance pay exhausted and all I had was unemployment and could not pay the XX/XX/XXXX payment the manager said that I could come in and rewrite the loan then I would n't be due again until XX/XX/XXXX. I was looking for work and had been since I was laid off, with no luck. I could not pay the XX/XX/XXXX payment so the loan company started calling me, my dad, my sister, my daughter in law, etc. I had already told them I could not pay the payment as I had not landed a job yet. When they called my sister she was in the hospital on oxygen and a bipap machine. She told them she was in the hospital, yet asked her to leave me a message. I called the loan company and let them know that they were not ever to call my sister again. My sisters doctor told her she may not live long and I was enraged that people would do things as that. Since then the loan company has called me every day. Called my daughter In law that is XXXX, called my Dad and his wife that are also disabled. Then the loan company decided to leave letters at my address a few times, Then they called a seasonal job I got XX/XX/XXXX to verify my employment with a co-worker and told her to give me a message. Then the loan company had someone go to my job and told my co worker that she needed to ask me a question, posing as a client. Then they called the call center and got the extention to where I was. I could not talk with them because I was with a real client. Today they had a police officer from the sheriffs department bring a tag at my work that said I was to pick up a claim at the sheriffs office. When I went to see what this was about the loan company had papers to sue me for the total amount of the loan and had 14 days to answer this claim. I do not have funds at all and the loan company knows of my situation. This has caused stress to my family and work, not to mention stressful to me as well. It has been nothing but pure harassment since after XXXX. I have had this loan for 3 years and rewrote the loan several times and have paid my payments on time until I got laid off and severance pay ended. I have only gotton paid twice since I have had this seasonal job so far and am paying on rent and electricity. I am also trying to find a full time permanent position. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent inquiries on my credit report that I don't recognize, these inquiries need to be removed asap due to fraud. 

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 these inquires are fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following account companies have violated my rights. 

- XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XX/XX/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 -XXXX  XXXX XX/XX/XXXX 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 with 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: Bank account or service

I opened a secured cc account with bank of america in 2013 for {$300.00}, a while after I closed out my account. Later the bank said I owed them XXXX when I only had a limit of the {$300.00} I put in ( my line of credit ). Later they reduced it back to XXXX. I opened the account with the explanation that the {$300.00} I put in was my limit. When I reached the limit I could not use the car until I put another XXXX in. The bank is now saying I owe them XXXX and keep reporting it on my report with no data displayed and when I call the bank or write them and ask them for proof, since I could only use what I put in, I am told they do not have to provide that to me ( per XXXX ). They are also reporting the dates wrong on the report.
Product: Student loan

Cases against the PHEAA ( FedLoan Servicing ) : Cases of Greed, Corruption, and Mismanagement. 
My Case : General seeming mis-mangagement was noticed as early as XXXX and XXXX when not all my 10+ loans were listed on my loan statements and on my online account-some were missing, which was misleading. 
My specific case of PHEAA is specific greed and corruption manifest by not sending me my annual ( or even quarterly ) accrued interest for most of the years the last 6-7 years, and automatically capitalizing the interest into the principal causing my overall student loan debt to jump over 100K, and then causing interest upon interest upon interest upon interest to accrue like a run-away freight train. 
The last accrued interest statement I received was in XX/XX/XXXX, and it gave me ( counting time in mail both ways ) essentially only 1 week 's notice to pay {$1700.00} of interest. I needed just 1-2 weeks to get these funds to keep from the capitalizing, but the argument of this case is that they were motivated by greed and wanted so much for the interest to be capitalized so that in the long run they would get more money out of me. This is corruption at its core, not in " good faith '' as the law requires. Its bad, its greed. 
So I filed a complaint with the XXXX XXXX XXXX ( USEd ). My request was to go back to XXXX and separate the interest that they wrongfully capitalized restoring my overall student loan balance and apply the next payment I made after that to the accrued interest. USEd must have sent the complaint to XXXX. I received a letter from FedLoan Servicing this past week and they refused to do this.
Product: Money transfer, virtual currency, or money service

I requested {$20.00} from another Zelle user within the U.S. it proceeded to say they were unauthorized even though they had Zelle.
Product: Vehicle loan or lease

they went in to my checking acout and try to pull out XXXX but it was no money in the acout because i have not schule a payment i all ready sen theme XXXX on XX/XX/XXXX XXXX was no money for theme to take out on XX/XX/XXXX XXXX and when i went to try to pay them on line they lock my act and told me that i hand to pay them XXXX before the can remove repojecting off my suv.so i pay them XXXX .and noe the telling me istill hold them XXXX wich i dont because they recive the XXXX out of my check acct.
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.

1. Account Name : XXXX XXXX XXXX / Account # : XXXX / Account Type : Credit Card / Balance : {$760.00} / Date Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX / Account # : XXXX / Account Type : Credit Card / Balance : {$580.00} / Date Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX / Account # : XXXX / Account Type : Credit Card / Balance : {$1100.00} / Date Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX / Account # : XXXX / Account Type : Revolving / Balance : {$0.00} / Date Opened : XX/XX/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

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Experian is govern by 15 USC and they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Experian written permission to furnish these accounts. 
Accounts : XXXX XXXX, XXXX XXXX  XXXX
Product: Credit card

XXXXXXXX XXXX XXXXXXXX I know nothing of this
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Name : My current legal name is XXXX XXXX XXXX XXXX, but it is listed incorrectly on my credit report as [ XXXX, XXXX, XXXX / XXXX, XXXX, XXXX / XXXX, XXXX, XXXX ]. I request that my name be updated to reflect the correct information. 

Address : My current residential address is XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX, but my credit report shows an outdated address as [ XXXX XXXX XXXX, XXXX, FL XXXX / XXXX XXXX XXXX, FL XXXX ]. I request that my current address be updated accordingly. 

I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my drivers license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any other official document that displays my correct phone number.
Product: Student loan

Student Loans are through Navient. In XX/XX/2018 I renewed my IDR through Student Loans.gov. In XX/XX/XXXX I called Navient and a girl couldn't locate it, so I called back and spoke to a guy who said he did locate it, but it was not processed. He said he would put a rush on it and in the mean time do a forbearance to bring account current through XX/XX/XXXX. I did that, and in XX/XX/XXXX I began getting mail, emails and phone calls about payments. I called them in XX/XX/XXXX and the girl said it was still being processed. Now we are at end of XX/XX/XXXX and I'm still getting phone calls, statements and emails that I'm behind in payments and that I should do a forbearance again. I sent them an email stating that I would not do that and that they need to do their job and process my IDR. I even check on the website and it was never processed.
Product: Credit reporting or other personal consumer reports

This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ invalidated credit information. Please remove it immediately. You claimed you didnt have enough information although you have my name and basic information
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going back in fronth with diversified with settling a delinquent account they original inform me that if i settle the account it would be deleted from my credit report that never happened they also advised once the payment clear i would receive a letter confirming that which was never sent via email or mail.Upon recently reviewing my report the account was never deleted when i called back to ask why they then advise me they cant delete it only the original creditor can. i call XXXX and asked can they delete the charge off. they inform me diversified would have to delete it due to the fact that they reported it ( which makes sense ). At this point I'm tired of going back and forth between XXXX and the collection agency. The only reason i settled the account because i need to get a mortgage loan. I have now closed and I'm still dissatisfied that they lied and the reporting status I would like this charge off account removed immediately.
Product: Credit card or prepaid card

I was shopping at TJ Maxx in XXXX XXXX. When I was checking out the clerk asked it I'd like to open an account. I told her no, that I'd already had an account with TJ Maxx and  that apparently when the card isn't used frequently enough the account is automatically closed. The clerk said that she could just open my old account. She assured me this wouldn't be a new account, just an opening of the old one, which she does all of the time. I agreed for her to re-open my old account. The  truth was she opened a new account, but led me to believe otherwise. This was very misleading. The new account and the check into my credit immediately dropped my credit score 9 points, I don't know if it will drop anymore.
Product: Debt collection

I am a victim of identity theft. It was brought to my attention back in XX/XX/2023 that a collection account from contract callers was reporting an account from XXXX an XXXX company. I notified the company that it did not belong to me and that it was a fraudulent. I went to the police station to file a police report because I was concerned that my identity was stolen. I also contacted all 3 credit report companies to put a freeze and fraud alert. I took all the necessary steps the collection agency and original debt company needed me to do. It was then removed off of my report, a few weeks later it was placed back on my report! This has affected my life tremendously as I recently started a new maintenance business and needed a vehicle to maintain it. It has stopped all my efforts in this endeavor. I have wasted so much time and effort trying to get the creditor to remove this account and they are ignoring my complaints, police report and statements of this account NEVER belonging to me. I never live at the address where the account was associated with and I never tried to apply for credit with this company ever. I need your help as they have ruined me because of it and stopped my effort to succeed with my business
Product: Credit card

American Express offered my minor son, XXXX, a Credit Card. I 've complained once before and they promised to stop ... but obviously they lied and are n't keeping their promise. They must stop now.
Product: Bank account or service

To whom this may concern, Attached is a slightly outdated version of my tax documents. The highlighted items are fraudulent items submitted by Scottrade. Upon receipt of a police report and supporting documentation the IRS removed these items. However, shortly afterwards, Scottrade, in order to retaliate and discourage a Whistleblower, submitted them back to the IRS. 

This back and forth and the failure of Scottrade to take responsibility for their faults has caused me enormous headaches when dealing with the IRS. Essentially, when Scottrade and the IRS continue to change what it submitted to my tax return, the amount of tax owed keeps changing. Resulting in refunds, that then result in deficient payments, that go back and forth with utter confusion.
Product: Mortgage

To follow is a pasted a copy of the letter that I sent to Citibank. 
CitiMortage Customer Research TeamXXXX XXXX, MD XXXXDear Madam/Sir, Our CitiMortgage payoff statement quoted per diem interest of {$84.00} per day. 
CitiMortgage charged at the per diem rate of $ XXXXCitiMortgage charged us interest at this rate through XX/XX/2015. 
The mortgage was paid in full electronically on XX/XX/2015. 
The total CitiMortgage per diem interest charge was $ XXXXThe correct charge is {$2300.00}. 
Please promptly refund the remaining {$200.00} due and mail it to our new address listed above. 

I doubt that this is the first time Citi has issued an incorrect payoff that yields them an extra {$200.00} that they have not earned. I worry that there may be thousands of citizens who have been taken advantage of in this way. Most consumers do not realize that banking in our current post XXXX means that every number and every fee must be checked. Please look into this and let me know how I can help.
Product: Credit reporting or other personal consumer reports

UPDATE XXXX to paid in full- See 1099 C for proof.

Remove all hard inquiry - that was not validated the Power of Attorney ( That mean all of them ) You have four days upon receiving this Notice to update the profile. ( You don't have 30 days, you have 4 BUSINESS DAYS ) Remove all collection that has not been validate by the Power of Attorney Update the Name- XXXX XXXX XXXX Should be the only name on the profile Remove all Address that is not XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Scheduled fee for PENALTY I am removing Each Credit Reporting Agency Power Attorney and introducing a New Power Attorney Update accordingly.