23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Sure, here 's a sample letter to the Consumer Financial Protection Bureau ( CFPB ) regarding the unauthorized reporting of a negative item on your credit report : -- - [ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Dear CFPB, I am writing to formally file a complaint regarding an unauthorized negative item reported on my credit report. I have discovered that [ Name of Creditor ] has reported [ describe the negative item, such as a late payment, charge-off, etc. ] to my credit report without my written consent or authorization. This action has negatively impacted my credit score and financial standing.

I have taken the following steps to resolve this issue : 1. Reviewed my credit reports from XXXX, Experian, and XXXX, and confirmed the inaccurate information. 
2. Filed a dispute with each of the three major credit bureaus regarding the incorrect item.

3. Contacted [ Name of Creditor ] directly to request the removal of the inaccurate information, providing evidence to support my claim.

4. Filed a police report regarding the unauthorized activity and identity theft.

5. Submitted an Identity Theft Report to the Federal Trade Commission ( FTC ).

Despite my efforts, the negative item remains on my credit report. I believe this constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and potentially constitutes identity theft and fraud. I am requesting the CFPB 's assistance in investigating this matter and ensuring the prompt removal of this unauthorized negative item from my credit report. 

Please find enclosed copies of my credit reports, dispute letters, police report, FTC Identity Theft Report, and any correspondence with [ Name of Creditor ].

I appreciate your prompt attention to this matter. Please do not hesitate to contact me if you require any further information or documentation.

Thank you for your assistance.

Sincerely, [ Your Name ] -- - Make sure to include all relevant documentation and adjust the details to fit your specific situation before sending the letter.
Product: Debt collection

Avenue closed down all XXXX of its locations a few years ago. This company before it closed down I was disputing charges on credit card not about clothes but MAGAZINES. When I opened my account several years ago the store clerk offered me magazines for 3 months only as a promotion. The promotion has turned into a nightmare. Avenue is a clothing store and not a magazine store. Comenity Bank has taken over the credit card for this company that NOOOOOO longer exist. And keep raising up my balance for some magazines I never looked at. Comenity has my payment way over {$1000.00} and on what, some magazines? They have even reported I have missed my payment to the credit bureau for a company that NO longer exist in this world. Why are they charging me interested on a company no longer exist? Avenue Stores, LLC, filed for Chapter XXXX bankruptcy protection, according to court records. A chapter XXXX debtor usually proposes a plan of reorganization to keep its business alive and pay creditors over time. Now Comenity bank is working for this out of business store and charging me like they were still in existence. They reported to the credit bureau that I missed my payment and I feel that my balance isn't that high because I barely bought clothes from that store. It's the magazines charges that I have been disputing with Avenue.Chapter XXXX is intended to help businesses and individuals with significant debt. Avenue filed Chapter XXXX because they couldn't keep up with current debt payments can use Chapter XXXX bankruptcy to create an affordable payment plan. So they going to keep charging me interested after 2 years and ruin my credit rating. Comenity Bank is a fraud and should be exposed of their practices. I want to know if Avenue store is still in Business.  I'm also going to get in touch with the State Attorney general in New Jersey where they were located.
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 Transunion, XXXX, and XXXX. 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 The 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: Credit reporting or other personal consumer reports

PURSUANT TO 15 USC 1681 REPORTING DATA BREACH Between XX/XX/year> and XX/XX/year>, a former employee may have accessed and shared my personal information. The employee has since been terminated, and there is an active investigation underway in partnership with law enforcement. 
The personal information shared included my name, contact information, date of birth, account number and transactional data.
Product: Prepaid card

I have a {$500.00} Amex gift card. I have attempted to use it at XXXX, XXXX XXXX, XXXX and XXXX. Each time, it gets declined by Amex. The stores can not help and Amex just told me to use it somewhere else, however this is frustrating that it does not work at several large stores and it is a large gift card that is seemingly useless.
Product: Student loan

Filed for renewal of income-based in XXXX XXXX ( it is now XXXX XXXX ). Every time I contact them they say they need additional information because the information I sent is out of date. I have contacted them XXXX2 times per month since, and they always tell me something new and place my loan in forbearance. This is accumulating interested on a problem they refuse to fix. Now they are telling me that I am in school full time so the problem is fixed. I am NOT in school!
Product: Money transfer, virtual currency, or money service

Complaint Description : Refund of extra {$1500.00} deducted from my account and sent to *********Claim number # XXXX I had purchased an item from Mr XXXX and paid via XXXX XXXX the XXXX of XX/XX/XXXX The initial XXXX transfer did not pull through, evidenced by no deductions from my account and non payment to Mr XXXX XXXX account. I called BoA at XXXX XX/XX/XXXX but received no response. I had to repeat the transaction, and this time I received text message confirmation request which I confirmed. The transfer went through this time. The next day XX/XX/XXXX, I rechecked my account and noticed that Mr. XXXX had been paid twice adding up to {$3000.00} instead of the one confirmed {$1500.00}. I called BoA thrice on XX/XX/XXXX XXXX XXXX XXXX and XXXX XXXX  and again received no response. The next day I called and was given a claim number, that would be settled within 10 days. I alerted offerup the buying platform myself and Mr. XXXX used. I also contacted Mr. XXXX via the platform. BoA could have halted the transaction, but did not. After 10 days, I called again and this time I was told the bank bears no responsibilities whatsoever and they can only reach out to the other bank and wait for a response for the next 90 days. This response does not promise a refund. I explained to them that if the XXXX platform on BoA website was working perfectly, and if they had responded to their calls, this would not have happened and as such the bank does bear responsibility for the inefficiency of this transaction. Situations like this are not uncommon with BoA Mr XXXX has since closed his page on offer up, his phone number XXXX has since been unreachable. 

As proof that transactions like this occur regularly with BoA, I had another one today. Tried over 10 times and called them twice today alone, spending days on a transaction that should have been less than 5 minutes. 


I reached out to the XXXX and was referred here
Product: Prepaid card

I have tried to use the card online and over the phone with XXXX, I also tried to use it at XXXX XXXX XXXX. Both as for zip code and I used mine but they get declined. I tried using as credit and debit. It take XXXX cents off the card but the sake does not go through. I tried to find a way to add my zip code to the card but the auto answers say you can not do that. I went through every option on the phone and you can not get a real person. I have tried to find merchants that do not require the zip code but they no longer exist. I have XXXX that I can not use and it's very upsetting. I searched on line and I find at rediit that others have the same issue. 

Tried several places XXXX all decline Tried support line XXXX there is no way to get a person Searched online XXXX and see that others have the same issue.

I looked at many merchants and I can not find one that does not require zip code. I also do not what to have to just spend it on something ... I want to get someting I can use like groceries or pay a bill ....
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account listed with XXXX XXXX as a charge-off, with a credit limit of {$750.00}, but it's listed as being charged off in XX/XX/XXXX, even though there are no balances listed for XXXX at all and a last payment listed of XX/XX/XXXX with pays as agreed status through XX/XX/XXXX. The claimed balance is {$1000.00}, even though there is a listed limit of {$750.00}. I've requested this be corrected to remove the charge off status and late payments, as the last correct information is my full payment on XX/XX/XXXX, but no one from any of the three credit bureaus or XXXX XXXX has helped at all. Please have this negative information removed expeditiously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted two rounds of dispute letters to XXXX, TransUnion, and XXXX on XX/XX/23 and XX/XX/23 requesting review and copies of contracts with XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; and XXXX XXXX XXXX regarding illegal collection fees. I have also requested that TransUnion remove inquiries from XXXX XXXX XXXX that appear on my report but were made fraudulently, however, these inquiries remain on my report.
Product: Credit card or prepaid card

I currently owe XXXX XXXX  around {$600.00} for a Victorias Secret Card and {$400.00} for a XXXX XXXX. The debt was created in XXXX of XXXX. I lost my job in XXXX of XXXX. I found a job shortly after, and worked to pay at least the minimum on my accounts. The moment I didnt make a payment for a month ( date unknown ) I would start to get at least 6 to 15 phone calls per day. This would happen if a single payment was missed. I have reached up to 3 or 4 missed payments at a time- as the months increase, so do the amount of calls. 

I did call the bank in late summer of XXXX, after a phone call was made to my mom demanding for a payment to be made. I never gave my moms phone number as a contact, and had no idea how they got it. While on this phone call, I mentioned how the many phone calls a day were harassment, asked how it was legal to contact my mom, and proceeded to ask about options available to me. The person on the other line said the calls were normal and they contacted my mom because they couldnt get ahold of me. I asked my mom never be contacted because its not her account. However, I had been in contact with them - just not in constant contact. The man on the line only gave me options where a payment could be made, though I said multiple times I couldnt make a payment till I found another job. 

The phone calls increased after this phone call, despite me making payments when I could. After getting around 15 phone calls at XXXX, I took to XXXX to look up borrower rights. In this search I found out the amount of calls I have received and the call to my mom were very illegal. I then called the bank and demanded the harassment end. They did not talk about it offer me any options to help with my situation or offer any relief, but the phone calls did stop after this conversation. I did receive occasional emails but had no problem with this as I know they need to have some form of contact. At this time, I was paying when I could. 

On XXXX XXXX, XXXX another phone call was made to my mom. I have the voicemail from this phone call. I immediately called as soon as my mom sent me the information. This time I asked more questions about how they got my mothers contact. The lady on the other end said they had to search for another way to contact me- which means they illegally looked for family members to contact. I never gave permission, at any point, for my mom to be contacted. Again, a conversation about programs or options wasnt made. 

I havent known how to report this, but an article I read mentioned filing a complaint with Consumer Financial Protection Bureau.
Product: Prepaid card

I have a {$2000.00} Amex gift card. I have tried to use it at XXXX, XXXX, XXXX and no website accepts this card. I called American Express and they just told me to find a merchant that accepts it.
Product: Money transfer, virtual currency, or money service

I already filed a complaint for this exact issue last year. I attempted to buy very expensive XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I paid him the full amount of XXXX thru zelle mostly some thru XXXX for a deposit very early on. The day they were supposed to ship he said the cargo flight was full and we had to postpone it. Next week said same thing but he managed to get it on another flight and it would be there in a morning. Sent me a tracking number with a company Ive never heard of and couldnt find anything besides the XXXX store they were tan off of. At this point i was so worried and 2 hours before delivery was supposed to be i got a text from the shipping company claiming it was too cold to finish the shipment as is. The XXXX would be in danger claiming it was in the negatives. They proposed a electric XXXX XXXX  they could move them into for XXXX $ more dollars and that was the only way they would finish the shipment. They promised they would refund my money when i got the electric XXXX back to them. Ive done this for over 10 years shipping to and from XXXX XXXX even and never once even heard of a electric XXXX, let alone a shipping company stopping the shipment 3/4th of the way there. The real temperature was 45 degrees. And to make a long story short they never showed up and XXXX XXXX refused to send me a refund or new XXXX to replace the ones i had already paid for. I have more then 70 screenshots proving everything but with this current system j have to scroll down past a years worth of photos select one at a time and then restart so if you want all of them please let me know i will try through my computer. They are all also on all 3 of the complaints i filed against XXXX XXXX, zelle, and XXXX XXXX from last year XX/XX/year>. He said he would replace them for another XXXX in shipping. He would of pulled another stunt and tried to get me for everything i would send to him. After it all happened i told a friend and turns out he got screwed by the same guy. He owns his own shop in XXXXXXXX XXXX called XXXX XXXX. And the llc that XXXX XXXX XXXX is under was connected to a judge XXXX case i found after deep diving all of his info. I am sorry if not all of the pics match up in a chronological order, like i said i have 70 pictures atleast but due to this system keeping them in order and adding all of them is very difficult. I will gladly send them over via email or attempt on my computer if needed.
Product: Student loan

Due to financial difficulties as a single mother, I had asked for a forbearance on my student loans years ago and was told ok. This was many years ago, I ca n't remember what year - XXXX, maybe. I had not heard anything from any agency. No one called my work or home. Now it 's XXXX, two weeks ago, XXXX XXXX started calling my employer about a wage garnishment. They were harassing me at work. I had no idea XXXX XXXX had my student loan. I thought it was a scam. Last week, I called the US Dept of Education and they could only tell me my student loan had been transferred to XXXX. They could n't tell me anything else about my loan. I never received any paperwork to that effect. I called the XXXX and was told my student loan was in default and had been taken for collection by XXXX XXXX. I never received any paperwork notifying me or giving me the chance to make payments on my loan. Now XXXX XXXX is garnishing my wages with an amount that I can not afford to pay. XXXX XXXX was rude and threatening and called continuously at my employer. I also felt that they gave out private information to my employer that they should not have done.
Product: Credit reporting, credit repair services, or other personal consumer reports

The car was auctioned for {$8900.00} we Only owed XXXX  dollars The finance company is lying about the amount they received in the amounts that we
Product: Mortgage

XXXXXXXX XXXX and Select portfolio is continues to conduct unfair lending practices and mortgage fraud. 

XXXX claims I agreed to a Sub Prime Loan Modification. I never agreed to a Subprime mortgage. My principle balance was {$84000.00} prior to XXXX transferring my loan to their Loan Servicer ( Select Portfolio Servicing ). 

I have been waiting for the past 7 months to get a resolution with Select Portfolio for a Loan Modification, Now SPS is stating they need approval from the Lender who is actually XXXX XXXX. This is a mortgage fraud, XXXX told me to behind on payments to qualify for the HARP program. Now SPS is saying the same thing, my mortgage payment is {$980.00} a month and out of that amount only {$120.00} dollars goes towards the principle balance. 

Please add me to the Class Action Lawsuit against Select Portfolio and XXXX  for Mortgage Fraud
Product: Credit reporting or other personal consumer reports

I am writing to formally request updates and corrections to my credit report. After reviewing my credit report, I noticed discrepancies in my personalinformation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are
Product: Mortgage

Hello, My name is XXXX XXXX and I would like to find out if there is any way that you would be able to assist me in my current situation? I 'm going to try and make a long story short. Everything started in XX/XX/XXXX when I got a sub-prime mortgage loan through Wells Fargo and leads up to today XX/XX/XXXX. When it was time to go to closing, the loan officer that I was working with was no where to be found so they had to brief someone else about my account before we could proceed which pushed our closing time to a later time. Then I 've been battling unemployment and being sick and out of work so my payments have be sporadic but I 've always tried to stay in contact with Wells Fargo or work with a housing counseling agency, or lawyers. I 've been threatened with various foreclosures, and had to appear in court many times. For about 1 year now, I had to get a lawyer to file bankruptcy papers and my trustee payments have gone up XXXX. I was unaware that while in the bankruptcy that I had to continue paying my regular mortgage payments. This caused me to fall behind also. Now Wells Fargo attorney is sending me a notice for a Motion Of Relief to the property. I sent them their Attorney the money in XXXX and WF did n't receive notification until XXXX XXXX and again I 'm being taken to court. This time I do n't think it 's my fault because WF Attorney has a " hold '' on my account until their given instructions on how they want to apply the funds and now it looks to WF as if I had n't paid any mortgage from XX/XX/XXXX-XX/XX/XXXX and that is why I 'm being sued. I 've talked to WF XXXX times and they keep telling me they are unable to speak to someone in their Attorney office and in the mean time, this foreclosure is hanging over my head and I do n't have any where to go with my children nor do I have any money to put out to move. Almost every lawyer I have been to do n't really do too much to help me because they say that WF can do the things to me they have done. Now it 's the XXXX day in a row that I have been calling Wells Fargo and their Attorney still have n't given them instructions as to how or if the funds will be released so that my account will be current.The Attorney 's bankruptcy person ( XXXX XXXX ) can never be reached. I tried to call and left a message, ( XXXX a WF Rep. tried to call XXXX left a message ), ( XXXX another WF Rep. tried to call XXXX left a message and sent an email ), ( XXXX another WF Rep. called XXXX sent an email ), and XXXX XXXX a WF Rep. tried to call left a message and sent an email on XXXX ), and still no one has gotten me any answers yet. Wells Fargo is telling me to make my XXXX payment but I refuse just in case I have to move because they do foreclose on my house, then I need money for a deposit somewhere else. Believe me, its way more to this story but I 'm paraphrasing what 's going on now. What if anything can I do? I 'm looking forward to hearing from someone soon. I NEED HELP A.S.A.P. 

Thank You Kindly, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my credit monitoring app notified me that a copy had been pulled by Chase bank. I have never applied nor do i have Chase. I immediately called chase to inquire and was advised to give it 90days and it would be removed. We are 5 months later and it still appears. I called again today and was told the same thing. I am no longer interested in speaking or holding for a Chase rep and would like to have this issue resolved immediately
Product: Credit reporting or other personal consumer reports

XXXX profit and loss has not been reported as told to me by XXXX or XXXX to the internal revenue service XXXX  in order for this to be reported to my credit as a valid debt write off or canceled debt has to be reported within 180 Days per statutes and laws governing these accounts
Product: Credit reporting or other personal consumer reports

The account XXXX XXXX XXXX is reporting three late payments of 30 days. XXXX, XXXX and XXXX This is highly incorrect. 
These payment were paid on time and as scheduled. I reached out to XXXX about this account and they keep telling em to hold and then they send out a letter saying that even though they were wrong, they can't go and change already posted information. 
The account was opened XXXX. XXXX, 2023. It was an XXXX XXXX. Reporting XXXX XXXX inquire should be removed. XXXX. XXXX, 2023. Reporting XXXX XXXX XXXX inquire should be removed. XXXX. XXXX, 2023. Reporting XXXX XXXX XXXX should be removed, not my name. XXXX XXXX is my name. XXXX XXXX XXXX XXXX is reporting should be removed. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV XXXX is reporting should be removed, my only address is XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX