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

its with XXXX XXXX XXXX also in XXXX they sent me a letter stateing i owed money for a loan but thing is iv never had a school loan in my life..yes iv lost my id b4 my social number card yes iv lost b4 im actually waiting for my new card to come in the mail now as we speak for a long time somone has had my credit becuase when i was XXXX my mom almost didnt get food stamps because at XXXX they were saying i XXXX XXXX XXXX XXXX XXXX way out in another part of XXXX that iv never even been in iv never been as far as XXXX and XXXX this place was a few hours away and back then they had told my mom we had to get to there police station to make a report in order to fix it all but at the time we couldnt make it that far out there so my mom kind of let it go i guess. but now i get emails from XXXX XXXX stating i done just made a bitcoin purchues and thank you heres my reciept when i never paid anything with XXXX XXXX i cant even get a XXXX because they wont idenfiy me because of all the XXXX XXXX it says that i have when i dont phone XXXX iv only had XXXX it says that i owe XXXX XXXX and XXXX when iv never even had either of them it says i have a eviction iv never lived alone yet in my name i stay with my boyfriend right now im looking for a apartment but im getting denied its saying i have a eviction or owe a apartment when i dont it says i owe XXXX insurance IV NEVER EVEN HAD A CAR B4 i dont even had a driver record so how the XXXX do i owe insurance???? i just [ please want this all fixed because right now i cant do anything without getting denied from everything i need to move out asap they are tearing are building down and i have no place to go and cant even apply for a apartment because im getting denied from this XXXX
Product: Debt collection

DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A ALLEGED DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE CONNECTING ME TO THE DEBT.
Product: Vehicle loan or lease

I have a XXXX XXXX XXXX XXXX financed through XXXX XXXX XXXX payments are due the XXXX of the month with a 10 day grace period If the payment is not made on the XXXX the next day I start getting phone calls wanting to know when I will make the payment three or four times a day almost everyday anywhere from XXXX XXXX to XXXX XXXX I give them my address and contact phone number. I am a XXXX XXXX XXXX my truck was in the repair shop for three weeks with no other source of income tried to explain this to them and all they want to know is if I can make a payment by credit card or post dated check nothing seems to make a difference to these people they are relentless in their attempt to collect their money. I feel this is harassment to collect this debt. I have other loans with other people and very seldom receive any calls and if I do we resolve the issue with no problem.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Scammer ), DBA : XXXX XXXX XXXX/ ( the Scam Website ), all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of XXXX USD was transferred from my wallet utilizing Coinbase services
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I filed a report with the FTC. The following accounts that are on my Credit Report do not belong to me. Please reference the attached files.
Product: Debt collection

I am requesting the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumer, this must be provided within 15 days in order to be in compliance with FCRA guideline
Product: Debt collection

On the morning of XX/XX/22 at XXXX my personal information was disclosed to a third party male by XXXX and XXXX XXXX The information released to the third party included my first and last name the last XXXX numbers of my social security number, the case number, the balance owed and also disclosed a different amount of judgement they were seeking. my personal information was disclosed without my consent to the third party male.
Product: Credit card

Last year I was contacted by several companies about an online business opportunity. XXXX of the companies that called me was XXXX XXXX XXXX. XXXX XXXX contacted me by telephone and I paid them {$10000.00} for a business entity set-up, tax consultant, tax preparation service for life, business credit development and credit account manager. After paying them for these services they set up a XXXX corporation ( I live in XXXX ) and I have disappeared. I have not been able to get in touch with them since. I have left numerous messages and they never return my calls. I now realize that this was most likely part of an online business scam and I am reaching out to your organization for help having Discover dispute these charges using claims and defenses. This company has not provided their services I purchased and I want my money refunded to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the Experian and XXXX credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00}, DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00}, DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the XXXX and Bank of America. The Account Opened is Bank of America Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$12000.00}. The Account Opened is Bank of America Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$16000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against American Express regarding their handling of a dispute I initiated on XX/XX/2023. This complaint pertains to American Express 's failure to address and resolve inaccuracies in the way they are reporting one of my accounts on my credit report. 

On XX/XX/2023, I sent a dispute letter to American Express, challenging the way they have listed an account on my credit report. As per the Fair Credit Reporting Act ( FCRA ), it is imperative that an account reported on a consumer 's credit report is 100 % accurate, verifiable, and complete. In my dispute letter, I specifically raised concerns about the following discrepancies : -High Credit Amount on XXXX : American Express reported a high credit amount of {$16000.00} on XXXX, which appears to be inaccurate or inconsistent with the account 's history. 

-Credit Limit on XXXX : American Express reported a credit limit of {$13000.00} on XXXX, which may not align with the actual terms of the account. 

-Missing Payment History : American Express did not report any payment history for this account on any of the credit bureaus. 

While I diligently raised these issues with American Express through my dispute letter, I have not received any response or resolution from them to date. Despite my attempts to rectify the inaccuracies, the reporting on this account remains inconsistent and incomplete between the different credit bureaus, which adversely impacts my credit standing.
Product: Debt collection

Affirm Inc My 3 unpaid accounts were XXXX  in a bankruptcy that was filed XX/XX/XXXX and XXXX XX/XX/XXXX I got this email today Hi XXXX, This is an informational update about Loan XXXX. You don't need to do anything right now. 
On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX acquired your loan, with an unpaid balance of {$160.00}, including principal and accrued interest ( if applicable ). XXXX XXXX XXXX XXXX XXXX now owns your loan and may contact you either directly or through an affiliate or third-party servicer. 
Heres the contact information for XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX MN XXXX To learn more about why your loan was transferred, visit the Affirm Help Center. If you have any questions about your loan repayment, please contact XXXX XXXX XXXX XXXX XXXX at XXXX. 
Regards, Affirm This message is for informational purposes only. It is NOT an attempt to collect a debt. You are not required to take any action at this time in response to this notice. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- - I logged in to my account to see that I have 3 loans in collection, 3 loans that were XXXX in the bankruptcy. I called to discuss it with them and they said since the email states its for informational purposes only and that they are not attempting to collect a debt, that they are following the law. I'm not a lawyer but I don't think they can sell a XXXX debt to a collection agency. 
I contacted XXXX XXXX XXXX as well and they said there's nothing they can do.
Product: Money transfer, virtual currency, or money service

About a few months ago ( early XX/XX/year> ) a random letter from cash app was received to an older adress my family lives at. 
I was out of state and upon my return i open the letter to find a new Cash app debit for my use. I never opeed or requested and cash app account/debit card. The issues bank ( XXXX ) is request i communicate with only cash app. They ( cash app ) has not been able to provide me a written or email reprt on the situation in order for me to accurately report it or retain the information for my records. I have been XXXX I can not get information due to not being listed on the accout. I have had mutiple call with the support center and they have been trying to be hanful in getting me to the fraud department but the process is XXXX XXXX in itself and their have XXXX little direct communication with the fraud department.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Transunion and XXXX have violated my rights per 15 U.S.C 1681 section 623 which states consumer reporting agencies must report accurate and true addresses.
Product: Credit reporting

I sent complaint letters to XXXX, where I requested them the investigation of few suspicious and inaccurate accounts in my credit report. They received the XXXX XXXX on XXXX, 2015 and the XXXX XXXX on XXXX XXXX, 2015. As of today 's date, I have not received any answer from them. I am desperate because I would like to buy my house and this situation is greatly affecting that possibility. They have exceeded the time allotted for investigating and have not answered any of my questions. This further supports my suspicions that the information is not mine. I do not believe that i am a victim of identity theft, I just feel that the information was mistakenly reported to my credit history
Product: Vehicle loan or lease

I believe carvana sold me a car that was not the correct car as advertised. The is registered as a black and its white. On the car it self it says XXXX XXXX XXXX when it's listed as something different. Not only that all the problems with XXXX  in general. I do believe I have been scammed
Product: Debt collection

I sent the following letter to XXXX. on XX/XX/XXXX, when I found the charges in collection on my credit reports. 

To whom it may concern, 1. On XX/XX/XXXX I spoke first a representative XXXX at XXXX and requested cancellation of the account effective XX/XX/XXXX. 
1.1. She stated that I had to speak to XXXX to cancel the account. I spoke to XXXX, providing the same information, and was asked to fax the request to cancel the service. 
1.2. I then faxed the request to the number I was given XXXX and formally requested cancellation of the account effective XX/XX/XXXX. 
1.3. Since XXXX Company had official ownership of the home by the court any charges billable after the date of XX/XX/XXXX need to be removed from our account. 
1.4. I requested a final bill be sent to my daughters address in XXXX. Fl. No final bill was ever received from your organization. 
2. Unsure of true amount owing I paid {$99.00} on-line on XX/XX/XXXX in an effort to satisfy our debt up to XX/XX/XXXX. 
Sincerely, After receiving this letter the collection notice was removed from my credit report. 

As of this month both XXXX and XXXX are both reporting the charge of {$320.00} in Collection again. 

I have been dealing with this issue since XXXX. What can be done to have it removed preminantly?
Product: Debt collection

XXXX XXXX, California hired attorneys of XXXX XXXX to file liens and foreclosure on my property under fictitious loan scheme of over XXXX, as in {$300000.00} loans fraud schemes using my deeded property for loans that I did not know about, had my authority or collected in any manner. The orders from CFPB have been filed repeatedly and ignored, which is aggravated contempt of court, after the fact and accessory plus organized racketeering for financial benefits. US BANKS is claiming to be the Plaintiff, and this is misrepresentation using the courts as an active enterprise to gain benefit from the fraudulent malpractices. 

Using licensed authorities to facilitate aggravated identity theft is beyond reprehensible and I seek aggravated monetary relief and restitution plus damages of the willful and calculated intimidations. 

I contacted XXXX and they hung up on me many times for weeks and US Banks hung up on me and I filed reports with supervisors but they disconnected calls also. 

I do not feel that the stipulated agreements and injunctions that CFPB will be sufficient because I have been victimized by same perpetrators aiding banks for no less than a decade and I kept filing complaints with so much retaliation that squatters used my identity and I know that there is probably many more fictitious loans. 

The CFPB entered into a Consent Order with XXXX XXXX XXXX XXXX over allegations that XXXX XXXX pressured and incentivized its employees to open unauthorized accounts, in violation of the Consumer Financial Protection Act, the Fair Credit Reporting Act, the Truth in Lending Act, and the Truth in Savings Act. 
According to the CFPB, from XXXX through XXXX, XXXX XXXX  allegedly imposed sales pressure and sales goals as part of bank employees job requirements, leading employees to use consumers credit reports and sensitive personal data to apply for and open deposit accounts, credit cards, and credit lines without consumers knowledge or consent. Affected consumers were charged fees on unauthorized accounts; suffered negative impacts to their credit profiles; lost control over personal identifying information ; and expended time and effort investigating, seeking closure of unwanted accounts, and monitoring and mitigating harm. 
Under the terms of the Consent Order, XXXXXXXX XXXX will pay a {$37.00} XXXX penalty and must remediate all harmed customers for unlawfully charged fees and costs, implement policies to prevent future violations of applicable law, and refrain from future violations, among other things.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the continued presence of inaccurate and fraudulent information on my credit report. Although I was compensated as part of the Consumer Financial Protection Bureau ( CFPB ) lawsuit against XXXX for inaccurate reporting, my credit report still contains errors, including unauthorized inquiries and an incorrect address. 

Specifically, I have identified fraudulent inquiries on my report that I did not authorize. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and request the removal of these inaccuracies. I demand a thorough investigation and the immediate removal of all unauthorized or erroneous inquiries. 

Additionally, my correct address is : XXXX XXXX XXXX, XXXX, XXXX XXXX. 

My credit report currently lists an inaccurate address, which must be updated to reflect my actual residence. Please correct this immediately and provide written confirmation once the changes have been made. 

Issues to Be Addressed : Fraudulent Inquiries My credit report reflects multiple unauthorized inquiries that I did not initiate. Under the Fair Credit Reporting Act ( FCRA ), I demand a full investigation and the immediate removal of these fraudulent inquiries. 
Incorrect Address My credit report lists an inaccurate address. My correct and current address is : XXXX XXXX XXXX, XXXX, XXXX XXXX. 
Please update my records accordingly and provide written confirmation of this correction. 
Legal Notice : As you are aware, XXXX has already been sued by the for issues related to inaccurate reporting. If these inaccuracies are not corrected promptly, I will escalate this matter further, including filing additional complaints with the CFPB, the Federal Trade Commission ( FTC ), and other regulatory bodies Thank you for your prompt attention to this matter. I look forward to your resolution of these issues
Product: Debt collection

On Friday XXXX XXXX, XXXX Attorney XXXX XXXX XXXX XXXX XXXX. took out of my XXXX XXXX checking account as a Wage Garnishment XXXX without my approval for an old XXXX furniture loan debt that I had opened back in XXXX. This debt is over XXXX XXXX XXXX, and I have not had any communication with this debtor or any third company at all since XXXX. On top of that I called today XXXX XXXX, XXXX and spoke to XXXX and they confirmed that they no longer have record of this debt in their system and that this debt was sold to XXXX XXXX XXXX back on XXXX XXXX, XXXX. So, this tells me that XXXX XXXX XXXX XXXX have sold an 'old debt ' to Attorney XXXX XXXX XXXX XXXX XXXX XXXX and she went ahead and garnished my wages without sending me notification of this debt, without filing a judgement against me, nothing. She violated my legal rights as a consumer on numerous things, not giving me written notification of this debt so that I can attest if this debt is mine, also since this debt is over the XXXX of limitation for the state of NC which is 3 years in NC which is where I reside she ca n't file a judgement against me so she can not legally file a judgement against me, not only that she garnished my wages on a debt that is over XXXX XXXX XXXX which is another violation of my consumer legal rights. I am requesting that this attorney gives me back my money of XXXX} and writes me a check and mails it to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX NC XXXX or I will be forced to take her to court for XXXX violations. Please, help me resolve this matter at your earliest convenience. Thank you.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Prepaid card

A DUPLICATE CHARGE APPEARED ON MY ACCOUNT FROM A HOTEL STAY. DESPITE A DOZEN CALLS TO RESOLVE THE ISSUE, AS WELL AS A CONFERENCE CALL BETWEEN MYSELF, AMERICAN EXPRESS SERVE CUSTOMER SERVICE, AND THE HOTEL - DURING WHICH CALL THE GENERAL MANAGER OF THE HOTEL SAID THE DUPLICATE CHARGE WAS RELEASED BY THEM ON XX/XX/2017 AND SO THE RELEASE OF THE DUPLICATE CHARGE SHOULD BE REFLECTING ON MY ACCOUNT - STILL THIS FDIC-INSURED PREPAID AMERICAN EXPRESS SERVE CARD TECHNICAL DEPARTMENT REFUSES TO RELEASE THE DUPLICATE CHARGE. THEY ALSO SEIZED {$100.00} FROM MY RESERVE ACCOUNT TO COVER THE NEGATIVE BALANCE CREATED BY THIS DUPLICATE CHARGE WHICH WAS RELEASED ALREADY BY THE MERCHANT ( THE HOTEL ), BUT AMEX SERVE LABELED/EXPLAINED THEIR FORCED TRANSFER FROM MY RESERVE ACCOUNT AS HAVING BEEN DONE TO COVER THE CARD 'S MONTHLY FEE. BUT THE CARD 'S MONTHLY FEE IS ONLY A DOLLAR, AND THAT MONTHLY FEE IS WAIVED FOR DIRECT DEPOSIT CUSTOMERS, OF WHICH I AM ONE. SO NOW THEY ARE FALSIFYING TRANSACTION LISTS/STATEMENTS. IT SEEMS LIKE THIS SUBSIDIARY OF AMERICAN EXPRESS HAS GONE ROGUE, AND IS UNDER LIMITED TO NO SUPERVISION BY THE PARENT ORGANIZATION. ALL THE CUSTOMER SERVICE CALLS HAVE BEEN TRANSFERRED TO THE PHILIPPINES AND DESPITE THE FACT THAT THEY SPEAK ENGLISH AS A SECOND LANGUAGE, THERE STILL SEEMS TO BE A LANGUAGE BARRIER EACH TIME I TRY TO EXPLAIN THAT THIS IS A DUPLICATE CHARGE, NEVERTHELESS, WHEN THE MERCHANT THEMSELVES GET ON THE PHONE AND SAY THAT THE CHARGE HAS BEEN RELEASED, IT DEFIES LOGIC AS TO WHY IT REMAINS ON MY ACCOUNT, EFFECTIVELY BLOCKING ME FROM USING MY ACCOUNT THROUGH NO FAULT OF MY OWN. I HAVE READ SEVERAL ONLINE COMPLAINTS OF USERS OF THIS CARD HAVING THEIR MONEY AND DIRECT DEPOSITS STOLEN BY THIS PREPAID CARD COMPANY, AND I AM AFRAID THAT MAY HAPPEN NEXT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to dispute the issue on my credit report and credit bureaus did not remove inaccurate information even when I sent in evidence.
Product: Debt collection

DESIGNED RECEIVABLE SOLUTIONS has placed a derogatory account on my credit profile without my authorization which has violated the FDCPA. To my knowledge, I do not owe DESIGNED RECEIVABLE SOLUTIONS any alleged debt and would like them to provide proof of claim with authenticated verification. DESIGNED RECEIVABLE SOLUTIONS has placed this alleged account on my credit report to intentionally cause harm to my pursuit of happiness by affecting my Consumer transactions for personal, family and household purposes.