23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I sent them a debt validation letter, they never sent me anything pertaining to the identity of the person that created this debt, they sent me a bill and continue to defame me on the credit bureaus... ..i sent them a afidavit of identity ... .they did not acknowledge the afidavit. they have not sent anything ask for in my letters ... .to establish my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO. MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OBTAIN A XXXX LOAN, THEY ALSO MADE PAYMENTS ON THIS ACCOUNT TO COVER IT UP. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : XXXX. XXXX XXXX XXXX  OPENED : XX/XX/2009 XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report today and I noticed an account in collections on my credit that I have no knowledge of and did not authorize, the account in question is for a phone line someone opened under my name that is now in collections, XXXX XXXX # XXXX, the collections agency is XXXX XXXX XXXX, the account was opened it says on XXXX of 2023, the amount its for is {$2400.00}. 
Please remove this account from my credit ASAP I have also obtained an FTC report for Identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX allowed seller, XXXX XXXX, to lie about their location and the quality of their product in advertisements on the their platform. I attempted to purchase a mask from XXXX XXXX at the beginning of the pandemic. The masked was advertised as being comparable to a XXXX mask and manufactured in the US. But, the seller was actually located in XXXX, and the mask is not comparable to a XXXX mask. In fact, it's vented, so it can't even be worn on an airplane. And, I wasn't able to ascertain any of this until it was too late because it took 3 1/2 months, plus to get the item. I tried to cancel multiple times throughout the process as well, but the seller refused every attempt then cutoff all contact, despite asking for a call tag. 

So, I filed a claim with Comenity Capital Bank, and they temporarily removed the charge while they conducted their " investigation '' which consisted of nothing more than confirming that XXXX XXXX had received payment. That was it. They did nothing else. Then they reinstated the charge. After being given the runaround for a month or so, I filed an appeal. In the appeal I proved that Comenity Capital Bank did not do their due diligence by providing links showing that XXXX XXXX had been shut down for fraud. But, Comenity Capital Bank did not budge ; thereby, committing fraud themselves via collusion. 

The links supporting my argument are as follows : 1. WHOIS ( SHUT-FOR-FRAUD ) : XXXX : XXXX 2. XXXX  : XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX I have records of most my interactions with Comenity Capital Bank showing what was and was not done throughout the entire process as well, including, where Comenity Capital Bank refused to close the account, despite making two requests in writing. They even mailed me a new card after my second request. 

I'm also sure the FTC would like to know that Comenity Capital Bank has referred the account to collections, despite the evidence, so I'm now getting 3-5 calls per day from different numbers with different area codes where the caller hangs up once I answer. 

But, when I call the number back they all lead to Comenity Capital Bank. Or, to sum up, it's almost like Comenity Capital Bank had grown so accustomed to scamming their marks ; I mean, customers, via acts of fraud that they've got the process on speed dial. And, the game of trolling " customers '' while holding their credit XXXX along the way is just an added bonus.
Product: Credit reporting or other personal consumer reports

I am requesting for XXXX to delete these fraudulent accounts immediately from my credit report. I am victim of identity theft and I did not benefit from any goods or services of these fraudulent accounts. I have attached a copy of my FTC report to this correspondence.
Product: Money transfer, virtual currency, or money service

I received my payroll deposit on XXXX  XX/XX/XXXX I was also supposed to receive new debit cards I call Chime Bank to check on the status of my card someone from the chime bank said they were looking into it on XXXX  XXXX the XXXX all in my money was going for my account {$2500.00} in one transaction $ {$21.00} XXXX received emails from time saying thanks for the anyone transfer for those amounts I never authorized anyone to go into my account to take out anything and I never did a money transfer Don't know anything about anyone transfer but my money was missing I called Chime back to find out what happened to my deposit and they said they was going to do a dispute then it was closed in XXXX hours I called back to do another dispute because I never authorized anyone to take money out of my account receive XXXX emails from chime saying thanks for the anyone transfer for new cards Don't have no idea what anyone transfer is so they basically stole my money someone that works for chime or have a connection to that bank
Product: Debt collection

Hello, i have gotten text messages and calls but they are not my name through the information they are giving, but it is on my credit report, but i dont have anything from that company
Product: Credit card

I was approved for a Capital One Credit Card with a credit line of {$5000.00} on the month of XX/XX/XXXX. I received the first bill statement in mail by XX/XX/XXXX, which included a consumer 's remittance check and the bill was due by XX/XX/XXXX with a positive balance owed in the amount of {$4700.00}. Just as it is my Federal obligation to do so ( UCC 3-415 ), I unambiguously filled out the remittance coupon as a check for the amount of {$4700.00} also stating a few Federal Law Codes and reserving all rights with a professional wet stamp as my authorized signature, which included " Pay to Bearer Without Recourse '' and on XX/XX/XXXX I sent the check to Capital One XXXX XXXX XXXX XXXX, NC XXXX which was picked up by the postal mail carrier for delivery processing, however today is now XX/XX/XXXX and I have not received any confirmation that my account has been accredited to from the payment that has been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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.
Product: Debt collection

I have sent an affidavit to the company National Credit System and have yet to hear back from this company. I have filed several disputes with XXXX and have not received why this is still on my credit report. This is a fraudulent account and does not belong to me. As I have explained several times my wallet was lost with my ID and my social security card inside. I have been trying for months to clear up the damage that this mishap has caused. XXXX  /national credit system continue to not correct and removed this item from my report. I have done all that was asked of me from National Credit and they have not even responded back to me. XXXX continues to not remove or even explain why this is still on my credit report.
Product: Vehicle loan or lease

I am disputing the imposition by Carvana of requiring a down payment to receive financing through XXXX. Attached below is federal law that supports my position. I look forward to prompt resolution of this matter and am excited to continue doing business with Carvana in the near future!
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE A MORTGAGE IN MY CREDIT REPORT THE DO NOT BELONG TO ME. I DO NOT HAVE A HOUSE, THIS CREDIT BUREUS ALLOW SOMEONE ELSE TO REPORT IN MY CREDIT PROFILE ILLEGALLY.PLEASE INVESTIGATE WHY TRANSUNION REFUSED TO REMOVE AN ACCOUNT THAT IS NOT MINE. SEE ATTACHED
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 XXXXXX/XX/XXXX
Product: Credit card

After years of heavy usage and flawless credit with my XXXX XXXX credit card with XXXX, I was involuntarily transferred to Synchrony Bank. On XXXX Synchrony charged my account a {$25.00} " late fee '' even though it was n't until the next day XXXX that Synchrony emailed me instructions on how to register on their website to set up payment. So today I sent them payment in full -- minus the {$25.00} -- and closed the account. But how many other poor consumers paid the {$25.00} " late fee '' because they could n't afford to close the account, or because they did n't see it among their legitimate account activity? It 's dishonest, bad business, and should be regulated against during involuntary transitions from bank to bank. Please help me stop Synchrony from engaging in this practice. Please help me stop Synchrony from reporting this alleged " late '' payment on my credit report which is otherwise perfect. Thank you.
Product: Debt collection

I noticed a collection on my credit report when I pulled my annual free reports. I have never heard of this company, and never received any documents from them regarding this debt. I started working with XXXX XXXX XXXX to get to the root of it. They informed me that they werent able to resolve it. I sent a dispute to XXXX because I never got this account validated, which is what XXXX XXXX was trying to do. I simply asked for a copy of the agreement authorizing them to collect the alleged debt, something with my signature promising to pay the creditor, and a complete payment history to prove that the debt they were trying to collect was legit. XXXX conclude their investigation with it being verified, I dont how they verified it, because I never received any of the things that was requested. 
The name of the collection company is Portfolio Recovery Associates : Address ID : XXXX Date opened : XX/XX/XXXX ( I didnt open any acts in XX/XX/XXXX ) Terms : 1 month First reported : XX/XX/XXXX ( It just appeared, never knew about it I pulled my report ) Recent Balance : {$12000.00}
Product: Credit card

TD Bank Credit Card Offer for TD Cash Rewards Visa offered {$200.00} cash back when spending {$1500.00} within 90 days of account opening. Never received the {$200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX have 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
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from Experian, XXXX and XXXX. 

Please delete the following account : XXXX Account XXXX : XXXX XXXX : {$0.00}
Product: Debt collection

Account XXXX XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.
Product: Debt collection

I used the XXXX 's internet serviced by XXXX since XX/XX/XXXX and charged at less than {$20.00} per month by yearly contract and paid all the bill on time except the last statement in XX/XX/XXXX when I need stop the internet service due to relocation. I called XXXX to stop my service and they agreed to bill me the balance to my new address. After two months, I got the statements over {$40.00} plus the late fee of {$60.00}, so the total balance on the last statement is {$100.00}. I complained to XXXX asking them how my last statement increased from {$20.00} to {$100.00}. The representatives said I didn't paid the last two months. I explained to them my online account is inaccessible due to the closure and I didn't receive the bill until two months later. I disputed firstly the late payment fee of {$60.00}, which is not my faulty, secondly is the final statement of over {$40.00}. while I didn't get the reasonable explanation or reconcilable solution for my statement. XXXX ( XXXX ) just sold this disputing statement to the third party debt collector twice. The first debt collector report my collection to XXXX and XXXX and I called debt collector, XXXX and XXXX and my disputes result was this debt collection record was removed from my credit report. However, this debt was sold to Eastern Account system and they report to XXXX and XXXX again. XXXX  clear this report but XXXX didn't clear this report and indicate this record is correct. I can't agree for this dispute results and they just suggested me to file the complaint on CFPB 's website. 
I want to complain XXXX 's billing system is very tricky and always overcharged the customers. During my 3-year contract with XXXX, I've complained they're overcharging for numerous times. XXXX, by virtue of its monopoly status as the only internet service provider in the neighborhood, always billed the wrong statements based on their unfairness clause in the contract, as the consumer, we have no other choice but paying the buckets since it really wastes time and effort to argue with them. Please do investigate XXXX 's billing system. I'm not the only one overcharged or misstatement on the bills.
Product: Credit reporting or other personal consumer reports

When I log into Equifax to retrieve my credit score I am unable to see my credit accounts. Initially I spoke with a representative about my credit score being blank and they fixed it within an hour but my accounts never appeared. I contacted them in regards to the accounts not showing up. They said something is weird and it would need to be escalated to technical support. Its been XXXX weeks, technical support has yet to contact me or fix the issue. My score was fixed in XXXX hours but my accounts are not fixed and I want to know why has anyone contacted me or fixed the issue, or why my account is even in the condition.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Had intentions of paying the balance but having placed on my credit profile without contact is unprofessional. Furthermore a representative informing me that this could negatively impact my credit isnt within the guidelines for a creditor/debt collector to discuss with a customer.
Product: Credit card or prepaid card

( Related to XXXX Reports XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX where employees of XXXX, XXXX XXXX, CA impersonated COMPLAINTANT to trigger Citi 's fraud alert by failing to pass authentication during a call with Citi employees, in order to generate a false fraud alert against his account. XXXX 's strangeness is shown by pretending to connect to Citi via a conference call with the COMPLAINTANT when XXXX 's representative was only calling Citi to skip the authentication to trigger a fraud alert & FTC # XXXX ) COMPLAINTANT has noticed incessant behaviors of Citi employees generating manual locks / fraud alerts, in an attempt to force COMPLAINTANT to call its customer service to unlock the card. There are ample examples including XX/XX/XXXX Fraud Alert where Citis automated system promptly notifies the COMPLAINTANT upon detecting potential fraud attempt via text and email. However, in this instance, there were no email or text alerts that system would send on its own without manual employee intervention, which the system would send should there be a concerning activity regarding COMPLAINTANT 's  account. In/About XX/XX/XXXX, COMPLAINTANT has  successfully registered the Citi card with XXXX. In/About XX/XX/XXXX another correction was made with XXXX. On XXXX XXXX XXXX  PST, Citi employees asserted that COMPLAINTANTs change of email with XXXX has caused the issue although COMPLAINTANT has received no text/email alert from the Citi 's system. ( In general, credit card companies or payment processors would delegate this task to phone or payment processors, who would verify that the registered ID/email/phone numbers belong to the valid credit cards. Banking institutions themselves do not have views into processors ' inner system as they only process transactions that were already filtered through. For example, there is no need for banking institutions to be aware of email, id or phone number change as payment processors would detect these on their own before sending the transactions through the banking institutions ). When questioned, Citi employees stated that reason for not sending text/email fraud alert is due to having to speak to the COMPLAINTANT for this issue. However, this still doesnt explain why ( 1 ) Citi didnt notify the COMPLAINTANT via text/email of this supposed fraud attempt after XXXX successfully accepted the card into the system and ( 2 ) Why fraud alert lock was triggered after around 48 hours. Citi shouldnt adjust its security stance of its card by waiting for the COMPLAINTANT to  open the Citi app to view the warning message, instead of immediately alerting via text/email. 
Having observed similar patterns through the course of 1 year, COMPLAINTANT wonders whether employees of Citi have constant need to fabricate reasons to jam the transactions against the COMPLAINTANT, in order to portray COMPLAINTANT as a strange and/or dangerous customer, while portraying themselves intact as ordinary people. ( to whichever audience that they might deem worthy enough )
Product: Mortgage

For probably a year and a half I have fought with Shellpoint Mortgage over them charging me for insurance when I have had my own. I provide them with the proof and they act like they havent received anything. They also say I miss payments is why Im behind also. When I ask for the exact month/year I provide them with proof because I pay with personal check. Next month rolls around and the amount due never changes. Call and they throw a whole different month out there than last time. I go get the proof and send it to them. This is an issue every month. They have ruined my credit by saying I am 82 days delinquent.
Product: Credit card or prepaid card

My Home Depot Credit Card number got stolen when i called a home depot costumer service number ( XXXX ) and i was ask for my card number during the call for status on a shipment on a appliance order i had made on XX/XX/XXXX. I reported the card number stolen as soon that i received an text alert 2 day later to my cell phone saying that a charge of {$1200.00} was charge to my card from a XXXX store when i live in XXXX XXXX. I immediately call them and they said that they will close my account, credit or refund the charge back to my account and replace my card. They replace the card but the charge still shows in my account. 5 days later a call their Fraud department and they told me that the investigation has not been file ; so once again i had to tell them what happened ( again ). they told me that i will have to wait. 

All I want is for the fraudulent charge of {$1200.00} that i didn't authorize or made to be credit it back to my account. I don't have to wait for their mistakes or security problems. 

Its pretty obvious that they have some security issues and internal problems when it comes to consumer information security. 

I just want for this to be resolve. 

Thank you, XXXX XXXX XXXX