23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2019 I was at the Old Navy store located in XXXX CA. I told the employee that I want to use my GAP credit card and I do not have my card, so she can look me up and use my rewards too- that is what I do when I do not have my card on me. 
She asked me if my card has a chip, and I replied that I do not recall. She told me that I can request a card with a chip and I will get promotional discounts. It seemed fair and I was happy. She had me enter my SS, which I always do if I do not have my card, and after a few minutes, she handed me my receipt and told me that I got all the discounts and I will get my card in the mail soon. 
I have received an OLD NAVY credit card!!!!! I never wanted to open a card with the store. I already have my GAP card, why would I open another store credit card? 
My credit score has been affected by opening that card while I was trying to work on my credit to get a new job. 
I called the company ( OLD NAVY ) and explained the situation and the representative was very nonchalant and did not show any sympathy towards my case. I was very upset and asked him to close my account and that what he did without an apology, although he totally advised me to pay my balance! 
I felt manipulated and misled. I am complaining because I am very concern about my credit and very responsible the way I use it. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. District Court for the XXXX XXXX of Georgia ( Case No. XXXX ) The information listed below is a result of identity theft and is fraudulent. I have never authorized, or opened the accounts listed. This information is frivolous. I request an investigation into fraudulent activities related with my SSN and personal information. Pursuant to the provisions of the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ) ; Formal Request for Information : I am formally requesting the names and business addresses of each individual or entity you communicated with for verification purposes in relation to the fraudulent transactions identified in my credit report. This request aligns with my right to follow up on the information provided and to assist in this identity theft investigation. Attached is a copy of my government-issued identification and a copy of the identity theft report. I am requesting these fraudulent items removed immediately from my credit files. 
Account Name : XXXX XXXX XXXX  Balance : $ XXXX Opened : XXXX. XXXX, XXXX Identity Theft Account Name : XXXX XXXX XXXXlance : $ XXXX Opened : XXXX XXXX, XXXX Identity Theft Account Name : XXXX XXXX XXXX : XXXX XXXX Opened : XX/XX/XXXX, XXXX Identity Theft Account Name : XXXX XXXX XXXX XXXX : {$840.00} /Opened : XXXX XXXX XXXX XXXX  / Identity Theft It is unacceptable, and a violation of federal consumer protection laws, that I continue to face harassment and fictitious debts due to the unauthorized account and unauthorized inquiries. Your agency failure to delete these fraudulent entries will be direct violation of my rights under FCRA Section 605B ( 15 USC 1681c-2 ) ( a ). The FCRA requires immediate removal of fraudulent information from credit reports following a valid identity theft report, which I have provided. Such inaction is further aggravating the distress caused by this identity theft. There has been no legal proof of the marks has been provided or proven. I have reported the theft of my identity to the Federal Trade Commission ( FTC ) and have enclosed copies of the supporting documents, including the FTC Identity Theft Affidavit. This unauthorized reporting has negatively impacted my credit standing. I respectfully request that the FTC, FDIC, & CFPB investigate this matter and take appropriate action to ensure that the erroneous and derogatory information is removed from my credit report. I am also pursuing complaints at federal levels to address these violations because my consumer rights have been violated and belittled.
Product: Debt collection

I have already told this company not to contact me at work. Today on XX/XX/2018 they called my cell phone XXXX and when I did not answer they called my work number XXXX. I stepped outside to call this company and tell them that they are not to be calling my work and the man refused to acknowledge that he was taking it down as a formal request until I verified all this debt information. I want these people to stop calling me at work. I have already requested this and he told me it's not how this works. I know my rights.
Product: Mortgage

Plaintiff 's / Bank law firm was approached with shortsale offer of $ XXXX, Defendant 's representative and lawyers sent in a complete application with a fully signed contract to the mortgagor XXXX XXXX XXXX XXXX and their attorneys, XXXX XXXX XXXX XXXX XXXX XXXX. However, a week prior to the auction, without any counter offer or response on the shortsale amount, the borrower 's attorney received an email stating the offer would not be considered because it was submitted less than 37 days prior to the auction sale. 

Two days before the auction, the Borrowers attorney sent another request to consider the shortsale offer and Plaintiff 's firm advised to send in the offer. The fully exectuted contract, proof of funds, and offer letter was sent to the representative who did not review or in the opinion of counsel send to the Bank. 

Attorney for Borrowers called the Bank and spoke at length with a representative and a supervisor about the offer. The two men said that the law firm had complete discretion in stopping the auction and submit our offer for processing. The men asked me to go to them. Borrowers attorney again contacted the law firm and they said that the servicing guidelines prevent them from accepting or considering our offer. The two parties had no idea what the other was doing even though I communicated the issue, no effort was made to coordinate a response and consider a substantial offer. 

The property was then auction and sold to the same buyer that Borrowers brought to the Bank and law firm. The Bank or law firm 's representatives were fully aware of this buyer and yet accepted a lower offer of $ XXXX. 

The Plaintiff law firm acted unfairly and in violation of the fiduciary duties it has to the Bank and Borrowers to accept the highest offer and rejecting to process the shorsale at the higher contracted offer amount then selling the property for over {$15000.00} less to the same buyer sellers entered into contract with. 

The Bank supports this bad faith conduct by not investigating and demanding that a shortsale be processed with the buyer at the higher amount. 

Additionally, the bank did not have the note and mortgage before they started the foreclosure because the note and mortgage was transferred to XXXX. XXXX  did not transfer the note and mortgage back to the Plaintiff until 2015 when the Plaintiff was set to assign the note / mortgage to a new creditor.
Product: Debt collection

Just received a text from a 3rd party stating they received a call from Jefferson Capital asking for me and that Jefferson capital provided the 3rd party my name and last 4 of my SSN. 

I have not received any mail / communication from Jefferson Capital this is the first time I am hearing of this. 

I called the number the 3rd party gave me and the gentleman stated they called that number looking for me and thought it was me and that they are sorry! Then started are you going to make a payment. I advised that I am filing a complaint because they have not notified me of the debt, they have not given me the opportunity to request verification and that they have violated my privacy by providing A 3rd party private and confidential information about me.
Product: Credit card or prepaid card

On 3 different occasions during the past 8 months, I have mailed, faxed, and delivered in person documents showing me as Power Of Attorney for my XXXX XXXX XXXX mother so that I can have access to this credit card account. This account had fraudulent charges made to it late XXXX and they were promptly reported. Because I chose to wait until I got a full account of the transactions on this credit card before paying, Wells Fargo has sent negative indicators to Credit Bureaus which has resulted in her only other credit card through another issuer to be cancelled. This is the only way we have to taking care of her and providing her daily essentials. 

They have not been cooperative or communicative as far as confirming they have the documents or asking any questions they may have to resolve the issue. The bank segment of Wells Fargo had no issue adding me as POA. In fact they faxed all the documents over to the credit card division and received confirmation that they received back in XX/XX/XXXX. My mother has had a Wells Fargo checking account for over 50 years.
Product: Debt collection

On XX/XX/2018, I wired {$5500.00} to a family member as a gift for their house. I noticed my savings account was extremely low. I mainly pay my car note with my savings account and XXXX. That is about it. I then noticed their was a loan on my account for {$12000.00}. The only loan I should have through USAA is a car loan. I have had loans with them in the passed however all of those loans were paid off. There have been opened credit cards on my credit report that I did not authorize and now this loan that I do not remember opening or signing for. I have also been experiencing fraudulent charges being made on my credit cards. So I have filed all of the necessary paperwork to get these fraudulent accounts removed from my credit report to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. THE LATE ACCOUNTS LISTED BELOW NEED TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX Balance : {$660.00} XXXX  XXXX Balance : {$22000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
2. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4 Validate Account Account XXXX : XXXX Please remove it from my credit report. 
5. Validate Account Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX  ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

This antagonist unknown third party debt collector is threatening to come after me for an alleged debt that is voided due to the nature of it cause, intention, definition, what constitutes a default, and the most importantly, DISCLOSURES. The latin word of default means de+ fallere, meaning " to deceive '', '' to cheat '', or " to lead astray ''. In a financial sense, the actual meaning is to deceive or lead astray a potential borrower. This unknown third party are doing business as XXXX, XXXX & XXXX, PA. I expressed to them a " Cease and Desist '' notice & an Identity Theft Report and they are still harassing me. I will like to sue them for actual damages for the voided principal and security agreement, harassing me, not being conspicuously and clearly with the disclosures, the penalty for the violation of all Provisions and not respecting my mind. The federal Act of the disclosure requirements under the Truth and Lending Act and Regulation Z are governed by the CFBP which is part of the Consumer Financial Protection Act of 1968, amended. The controlling law in the area of disclosures is the " TILA & Regulation Z ''. The original creditor ( FORD MOTOR CREDIT COMPANY ) failed to comply with this federal law as well as this third party. The law is the law, which was broken. A federal law that was made by the Congress and the CFBP.
Product: Credit reporting or other personal consumer reports

The account information regarding my credit score from XXXX is inaccurate. I received a notification from Credit Karma that my credit score was reduced by XXXX points at XXXX. All my credit data is exactly the same as XXXX and in fact, my credit balances have reduced because I am making payments each month. The FCRA makes it clear that bureaus are supposed to report accurate balance and payment data and with that the score should increase over time. XXXX has deliberately sabotaged my credit score by lowering it XXXX points WITHOUT provocation. This bureau has waited several months from my last complaint I filed against them for reporting inaccurate details about my credit, and suddenly they have diminished my credit score to retaliate against me unlawfully! I will upload pics from both XXXX and XXXX to show the exact same credit data and the scores from both bureaus who use XXXX XXXX  instead of XXXX. Credit Karma is their partner and displays information being reported by both XXXX and XXXX to the consumer via their APP. XXXX has reported that a significant vehicle loan had decrease by more that {$1100.00} and suddenly my credit score was decreased by XXXX points!
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit score on XX/XX/XXXX was XXXX - Credit Score on XX/XX/XXXX was XXXX. 
No reason given on why credit score dropped XXXX points. This has hurt my ability to apply for credit. 
Credit report pulled on XX/XX/XXXX showed only 7 accounts opened -- NOW Credit report pulled on XX/XX/XXXX shows 20 accounts opened. Major error on Equifax. 
On XX/XX/XXXX - ( letter received by Equifax on XX/XX/XXXX - Cert # XXXX ) I requested 4 accounts to have " Derogatory '' removed as the accounts are either paid/transferred/payment in process. No Change on the disputed accounts per Confirmation report # XXXX received XX/XX/XXXX from Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was with XXXX XXXX XXXXXXXX XXXX removed because it wasnt my account than the collection agency reported it on XX/XX/XXXX please remove off credit as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

Your failure to maintain reasonable procedures is disheartening and discriminatory. I have provided material information in the form of an identity theft report. I am asking to be treated fairly. I provided written instructions about my credit report. Again I am requesting deletion of erroneous, inaccurate accounts that were the result of identity theft. I am aware you are required to adhere to rules when it comes to identity theft and your refusal has caused me financial harm, risk, XXXX, marital issues, and undue stress. I also am aware that XXXX  is required to send the results of its investigation. In case you didn't receive them I have enclosed the results as an attachment
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and ID. I continued with my everyday life and never had an issue. Just couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I'm shocked with the number of items that were opened on my name including bankruptcy. These suspicious items are not mine. Please remove them from my report. 

XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$5900.00} COLLECTIONS XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are reporting inquires that arent actually mine, which is an infringement of my privacy. I have the right to decide what I deem private. I deem my hard inquiry information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I reviewed my credit report and found grave errors that the company is reporting to my consumer report as late or missed payments, and because of this I am being discriminated against to extent my credit. The inaccurate consumer reporting is causing great harm to my reputation and injury to my character. This is a violation of FCRA 15 U.S.C 1681 ( 4 ) ( b ) These accounts where never late or missed a payment. I demand these accounts be Updated to its proper payment status of Pays / Paid as agreed.

Again, I demand these accounts be Updated to its proper payment status of Pays / Paid as agreed within 30 days of the receipt of this letter. 
XXXX XX/XX/XXXX ( Not more than two payments past due ) XX/XX/XXXX ( At least 120 days or more than four payments past due ) XX/XX/XXXX ( 30 days past due ) XX/XX/XXXX - XX/XX/XXXX ( 30 days past due ) XX/XX/XXXX ( Settlement accepted on this account paid collection ) XXXX XX/XX/XXXX ( Payment after charge off / collection ) XX/XX/XXXX ( Not more than two payments past due ) XX/XX/XXXX ( 120 days past due ) XX/XX/XXXX ( Settled ; less than full balance ) XX/XX/XXXX ( Payment after charge off / collection ) Experian XX/XX/XXXX ( Paid, was past due 60 days ) XX/XX/XXXX ( Current, was past due 30 days ) XX/XX/XXXX ( 30 days past due )
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : The 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

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX  days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I XXXX have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Debt collection

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, CONN APPLIANCES INC failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
CONN APPLIANCES INC Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
CONN APPLIANCES INC Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge. 
On the date XX/XX/2022 XXXX XXXX, agent, XXXX XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had items stolen form me and filed a police report as well as a FTC report letting everyone know that I was a victim of ID theft. I tried getting the information off my reports but Equifax and XXXX refused.