23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

In late XXXX One Main Financial added ad account to my credit file for a loan of $ XXXX. I have never had any loans in this amount or any dealings with this organization or any of their subsidiaries. I sent One Main letters beginning in late XXXX to inform them the account was not obtained by me and it was removed. Then in early XXXX it was added back to my XXXX credit report. I have sent letters to One Main and to the CEO of Springleaf ( the parent company ) regarding this matter to request formal debt accordance with Fair Debt Collection Practices. All my letters have been acknowledge and received and I have been promised that the matter will be looked into and I will receive a response but have yet to receive any respose. Then, after acknowledging my letters I began receiving collection notices, during the period where all collection activity should have been stopped as I requested validation of the debt. I hired an attorney in XXXX XXXX who has also sent formal letters requesting validation in XXXX XXXX and XXXX XXXX that have gone unanswered. I have also disputed the item with the credit bureaus ( XXXX ) and it still remains. My rights as a consumer as being violated to the greatest degree and it is not only unethical but inappropriate to report false information from an account that is not mine on my credit report after being notified that the account was never opened by me multiple times by both me and my attorney.
Product: Credit reporting or other personal consumer reports

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address and mySSNCard.
Product: Prepaid card

I received a Cash App card in the mail on XX/XX/XXXX. The website/app stated that I signed up for the app and card on XX/XX/XXXXXXXX XXXX 

I've never had cash app, used cash app, or signed up for cash app. 

This is fraudulent activity.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX  credit card was put into collections and the balance was {$1500.00} or so. I was dealing with XXXX XXXX XXXX XXXX and setup a payment plan with them to automatically deduct {$100.00} from my bank account. I paid 9 consecutive payments totaling {$900.00}. 

Then my account was transferred without my knowledge to Unifund. They sent me a letter saying that they were now handling my account. I was unaware that I was dealing with Unifund or that I even had to lookout for a letter from them because I was working with XXXX XXXX and that this debt would soon be resolved. 

Here are my issues : I did not authorize XXXX XXXX XXXX XXXX to transfer my account to Unifund and that my agreement to satisfy my debt was with XXXX  not Unifund. 

I find it very convenient and not a coincidence that {$900.00} was collected from a {$1500.00} balance and as soon as I was close to paying my debt my account is transferred to another collection account. I feel that Unifund and XXXX are practicing predatory lending and unethical business practices creating a never ending loop where I will never be able to resolve this issue. They are taking advantage of me and passing my account around making it extremely difficult to settle the debt. 

I owed XXXX XXXX XXXX XXXX {$1500.00} and after collecting {$900.00}, Unifund is now saying I still owe {$1500.00}. Where did the money go? Again, a never ending loop where I can't resolve this issue and continue to worry that my credit rating will always be negatively effected. 

I want to resolve this issue and want XXXX, Global, and any other future collection agency to cease and desist in pursuing collections. I have done everything in my power to try and make good on this collection and I do not want to waste any more of my time or have my credit rating negatively effected by this issue now or in the future.
Product: Vehicle loan or lease

I started a loan with the company. I am never late with payments however I am overpaying in interest. The interest is taking the majority of my Money. I just paid on my loan and the whole amount went into interest. I feel this is fraudulent and taking advantage of the consumers. I will never be able to pay this loan off at this rate.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about some erroneous items in my report. You must delete these items that were opened without my knowledge, consent, or authority within 4 business days.These items are damaging my file and needs to be deleted. 

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

XXXX ; Experian and XXXX should not be reporting each inquiry listed as a separate line item on my credit report. ( Please see page attached. I have also attached a copy of my Drivers license and SSN for identification purposes. ) These multiple inquiries are well within the 14 45 days that is typically allowed to check different lenders and find the best loan. These inquires are all the same lender and therefore should only be reporting as ( 1 ) line item. All of these inquiries are of like kind. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report only ( 1 ) inquiry. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Debt collection

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account number attached in supporting document Please provide me with : 1. What the money you say I owe is for. 
XXXX. A detailed explanation of how you calculated what you say I owe.

3. Copies of any and all papers that prove I agreed to pay what you say I owe.

4. A verification or copy of any judgment, if applicable.

5. The identity, name, and address of the original creditor.

6. Proof that the Statute of Limitations has not expired on this account.

7. Proof that you are licensed to collect in my state.

8. Your license numbers and Registered Agent or Agent of Service.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Product: Debt collection

Every few months, a different credit collection agency tries to collect a debt that has already been classified as too old to collect. In addition, this debt was dismissed by the Department of Education due to the schools improper loan practices. In this case, the most recent debt collector is Synergetic Communications IncXXXX out of XXXX, Texas. Your agency has already resolved the debt with one agency. Now the above company is trying a new collection tactic. Below is the new credit agency trying to collect on this debt : Synergetic Communications Inc. 
XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXX-Phone XXXX-Fax As I mentioned in my previous complaints, the debt is more than 10 years old. It also was dismissed by the Department of Education. 

I'd like attempts to collect on this debt to end. 

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

Have advised all 3 bureaus that I am a victim of ID theft have submitted police reports, ID Aff. and they refused to remove the accounts that are included which are : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX.
Product: Credit card or prepaid card

Since a new ATM replaced the broken one at a FREE ATM location at a XXXX in XXXX, MN the XXXX XXXX  debit VISA card has been charging me an ATM fee of {$2.00} for the 4 times I used it despite it saying its a free ATM and it never charged this before the machine was replaced. XXXX XXXX has only reimbursed me once so I am still out {$7.00} and they refuse to resolve this. The employees are extremely rude and just say they wont fix it and then just hang up on you over and over again. I filed a complaint with the XXXX XXXX XXXX, but they claim its out of their scope without giving reasons why. There should be a class action lawsuit for defrauding customers, stealing from them and committing bank fraud. I reached out to the XXXX ATM regarding this ATM charging a fee when it is supposed to be a free ATM and while they said they would send someone out to see if it needed an update to resolve such an issue, the issue was never fixed and it is still listed as a FREE ATM and it is still charging me {$2.00} every time I use it. 

On XX/XX/23 I was charged a {$2.00} ATM fee at this FREE ATM & on XX/XX/23 I was charged a {$2.00} ATM fees at XXXX free ATM in XXXX and again on XX/XX/23 XXXX  card provided by XXXX XXXX  and sends the money I earn to this debit card charged me a {$2.00} fee when the XXXX app says this is a FREE ATM. The company is impossible to work with and have no desire to follow through on their promise when an ATM is supposed to be free nor any desire to fix the problem going forward for this not to keep happening?! Its so infuriating and frustrating and false advertising fraud! Its theft, thievery!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX/XXXX  XXXX
Product: Credit reporting

Report did not reflect my financial status, thus a credit application to XXXX was refused
Product: Credit reporting or other personal consumer reports

I have recently review my credit report and realize all these inquiries are not mine as I have reached out to the companies to try to have them removed and explain to them that I have been going through that for the past 4 to 5 years and this was not me. 




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 or other personal consumer reports

XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Subject : Complaint Regarding Unauthorized Credit Card Charges and Incorrect Billing by Home Depot and Citibank Dear Sir/Madam, I am writing to formally lodge a complaint against Home Depot and Citibank concerning the unauthorized use of my credit card and the subsequent mishandling of the issue, which has adversely affected my XXXX score. 

I discovered unauthorized charges on my Home Depot credit card. I promptly contacted Home Depot to report the fraudulent activity. After conducting an investigation, Home Depot sent me a letter stating that I was not responsible for the charges. Despite this, I have continued to receive billing statements and collection letters from both Home Depot and Citibank demanding payment for the disputed amount. 

I have contacted both Home Depot and Citibank multiple times to resolve this matter, providing them with a copy of the letter that absolves me of responsibility for the unauthorized charges. Unfortunately, they have not corrected the error, and the outstanding balance remains on my account, which is now negatively impacting my credit score. 

Enclosed with this letter, please find copies of the following documents for your reference : The letter from Home Depot confirms that I am not responsible for the unauthorized charges.

Recent billing statements and collection letters from Home Depot and Citibank demanding payment.

Any additional correspondence I have had with Home Depot and Citibank regarding this issue.

This situation has caused significant stress and inconvenience, and I am seeking the Consumer Financial Protection Bureau 's assistance to ensure that Home Depot and Citibank : Remove the unauthorized charges from my account. 
Cease any further collection attempts related to these charges. 
Correct any negative information reported to the credit bureaus due to this error. 
I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX Letter from Home Depot Recent billing statements and collection letters Additional correspondence with Home Depot and Citibank
Product: Mortgage

Plaza Home Mortgage has denied my request for a loan restructuring for over two years now siting that the holder of the note will not allow it according to their Loss Mitigation Department. Plaza Home Mortgage is the note holder after some investigation and their admission. I was advised I would receive a face to face interview with a company called ( XXXX ) XXXX XXXX XXXX , XXXX to go over my account and to help save my house from foreclosure. I was told they would contact me and I should just wait. I never received any contact from XXXX, nor would Plaza give a number for them when I called. Plaza then placed my home in foreclosure and is now adding an additional XXXX to XXXX dollar per month onto the balance without clarifying what the amount is for on the statement or in a letter. They have also been returning my payments but siting in one of the denial that my account was not seasoned with payments so they could not restructure the loan.
Product: Debt collection

This company is attempting to collect a debt that is 9 years past and has exceeded the limited time to collect and sue. They know that but they keep calling.
Product: Credit reporting or other personal consumer reports

feel that my information was exposed on a data bridge My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized inquiry listed on my credit report, which is fraudulent in nature. Despite my multiple correspondences with your bureau and the submission of the required FTC Identity Theft Report, this inquiry remains on my credit file. As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions associated with this inquiry and providing comprehensive documentation to substantiate my claims. Despite these efforts, your bureau has yet to resolve this matter satisfactorily. It is essential to note that the fraudulent nature of this inquiry has been confirmed by the respective institutions, and they have assured me that this inquiry was erroneous and should be removed. Furthermore, other credit bureaus have already acted on the FTC report and removed this unauthorized inquiry from their records. Therefore, I am perplexed and concerned by your bureau 's continued reporting of this fraudulent inquiry. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. Please remove the inquiry from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Late Close : XXXX XXXX {$0.00} Charge Off : XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX XXXX {$18000.00} XXXX  XXXX XXXX {$0.00} XXXX  XXXX {$0.00} Collection : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$1000.00}
Product: Checking or savings account

Dear Investigation Team, I purchased a tour with XXXX XXXX  to go to XXXX for the month of XXXX Less than a week into the tour there was a head on collision with a truck.I was XXXX to the hospital with XXXX XXXX XXXX and loss of property ( my XXXX and luggage were destroyed ) .I went to XXXX hospitals and had to return immediately to the XXXX where XXXX had to have XXXX and pay excess of $ XXXX in medical bills. Despit submitting all the evidence and receipts Bank of America has charged me in full for a dangerous and undelivered service. 

I can not believe they would even try to ask for payment given the terrible experience.It goes to show they had no XXXX XXXX wanted to make me continue even though the hospital recommended XXXX ( I have attached the report ). 

I had planned a month and then had other plans for XXXX. It has cost me well over $ XXXX with medical, lost travel costs, etc. Just horrible. 

Additionally- I have received inappropriate XXXX texts from the driver who almost XXXX me. 

I have been waiting on the paperwork that was sent XX/XX/XXXX. It is now XX/XX/XXXX, so I can follow up with any questions you may have, since I have not heard from anyone at Bank of America other than a rejection letter that did not address any of the above concerns- chiefly, I did not receive the tour and the cost of rebooking flights, hotels, medical, and replacing all that was damaged in the XXXX XXXX accident. 

I look forward to your assistance in this grave matter. 

Best, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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