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

Hello my name is XXXX XXXX XXXX and I hope all is well with the person whom is reading this. This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of 2 years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) IN Accordance with the written instructions of the consumer to whom it relates You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy Account name XXXXXXXX XXXX in the amount of {$860.00}, XXXX XXXX In the amount of {$310.00}, XXXX  XXXX in the amount of {$260.00} and XXXX XXXX XXXX in the amount of {$180.00} Pursuant 15 U.S code 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency 1 proof of identity of consumer 2 a copy of identity theft report 3 the identification of such information by the consumer and 4 a statement by the consumer that the information is not information relating to any transaction by the consumer have attached all the relevant documents pursuant the above section of the law I demand all the above fraudulent accounts DELETED immediately
Product: Credit reporting or other personal consumer reports

15 U.S.C. 1681 is a section of the Fair Credit Reporting Act ( FCRA ) that establishes the purpose and congressional findings of the act. The FCRA is a law that governs access to consumer credit reports and aims to promote the accuracy, fairness, and privacy of personal information.

Has also been exposed in the databreak and I would like to delete everything off my credit profile for I had no consent of..
Product: Credit reporting or other personal consumer reports

Greetings EXPERIAN Today is XXXXXXXX XXXX  I received your Verify Accurate for the Accounts on my Consumer Credit Report. I requested DOCUMENTS from each COMPANY and they DID NOT SUPPLIED PROOF OF PURCHASE AGREEMENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED SEVERAL ACCOUNTS THAT'S NOT REPORTING ACCURATE INFORMATION
Product: Credit card

I have a credit card with Bank of America. I have had this card for quite some time and there are multiple balances with difference interest rates on this card. I thought if I made a monthly payment that is higher than my minimum payment due then that extra amount would be applied to the balance with highest interest rate first. But they are not doing this and I asked about it and was told that this is not how they distribute the extra amount that is paid over the minimum due. But I thought this was a regulation in the CARD Act. Am I misinterpreting the law?
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about Iberia Bank card service, I am victim of identity theft, this has been reported to the 3 major credit bureaus and law enforcement, a security alert is on my credit files see addendum below. I did not authorize an inquiry on my XXXX on XX/XX/2019. Please remove immediately. 

Iberiabank Inquiry from XX/XX/2019 XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/18, I used the XXXX XXXX XXXX XXXX to send {$300.00} to my mother. On the app there is a XXXX feature that is powered by PayPal. The quickpay feature only requires the recipient 's number so I used my mother 's phone number. 

As shown on the bank statement, the money was indeed withdrawn immediately from my savings account ; however, my mother did not receive the payment. 

I called PayPal about the problem and they did not find any transactions. All they could suggest was to wait 30 days for the money return. Admittedly, I lost track and waited too long for the money to return and I understand that this is partially my fault. However, I refuse to lose {$300.00} over an error made by one of these companies. 

I called the XXXX XXXX XXXX XXXX and they were able to provide a transaction ID to show that the {$300.00} was, indeed, withdrawn from my savings account on XX/XX/2018. The bank instructed me to call PayPal as they were not able to further assist me in getting my money back. 

Again, I call PayPal and gave them all the information they needed. They were able to find where my money went, and it turns out the money was sent to a recyclable phone. In other words, the money was sent to the wrong person who happened to own my mother 's phone number. PayPal is trying to notify the person but they told me that I am better off by contacting my bank again and disputing the claim. 

I am now filing a CFPB complaint since neither of these institutions are able to assist me in getting my {$300.00} back.
Product: Credit card

On XX/XX/XXXX, I was charged a {$29.00} late fee by American Express, even though my payment was made promptly. My account had a due date of XX/XX/XXXX, but the payment did not process because, I believe, of a technical error on American Expresss part that resulted in my auto pay not being properly enabled. 

Immediately on XX/XX/XXXX, upon noticing the fee, I paid off the full balance. I then contacted American Express to request a waiver of the late fee, explaining that the payment issue was due to a technical error and not a failure on my part. During this call, the representative declined my request for a waiver and stated that the matter would be forwarded to a different team for review. 

However, after waiting for XXXX weeks without any follow-up, I called again on XX/XX/XXXX. During this second call, the representative once again declined to review the fee or provide any additional information regarding the issue. 

I am disputing this {$29.00} fee and request that American Express waive the fee.
Product: Credit card

The fact that I always make timely payments on this account is causing me a great deal of anxiety. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Product: Debt collection

I told pnc bank before to put my work on a do not call list. I found out that around XXXX XXXX XXXX XXXX they have been calling my work.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was leaked in a data breach and was used fraudulently to open accounts without my permission or knowledge. I have filed a report with the FTC report number FTC number : XXXX XXXX XXXX XXXX {$140.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$160.00} XX/XX/XXXX XXXX XXXX XXXX  {$2500.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX 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/year>
Product: Credit card or prepaid card

XX/XX/XXXX commerce bank XXXX XXXX XXXX XXXX XXXX, MO XXXX Dear Madam or Sir : Re : ( XXXX on XX/XX/XXXX ) On XX/XX/XXXX, I purchased the following product or service : This in regard to commerce bank violation of law by taking approx. {$1300.00} payment on a an open disputed charge. They say the don't have to abide by federal law ( and send me to different commerce bank department which send me back to the dispute department ) regarding that. 

Unfortunately, I was dissatisfied for the following reason ( s ) : violation of the federal law about paying bill while a dispute is open and the dispute is certain to resolved in my favour since I provided ample evidence that I never received the merchandise and the merchant promised refund several times and never delivered on his promises. 

To resolve the problem, I would like the following to take place : I would like a full refund of the payment on the disputed charge. 

I have enclosed copies of my records related to this situation. 

I look forward to your reply and a resolution to my problem, and will wait until XX/XX/XXXX before seeking help from a consumer protection agency or the XXXX XXXX XXXX. Please contact me at the above address or by phone at XXXX. 

Sincerely Enclosure
Product: Credit reporting or other personal consumer reports

Year XXXX - to year XXXX credit report is reading late XXXX times this is inaccurate and preventing me from purchasing a home please remove the late payments do I can better my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The report was opened XX/XX/XXXX they say i owe {$1100.00} i filed a dispute XX/XX/XXXX still no answer as of XX/XX/XXXX XX/XX/XXXX
Product: Mortgage

We have been attempting to complete a loan modification with Truist for 18 months. They first lost our completed package from XX/XX/XXXX, never informed us until we called. Then we had to fill out a second package early XXXX and was never informed it was completed. We received a late bill months later in XX/XX/XXXX with a complete stranger added to our mortgage. Truist made us fill out a third loss mitigation packet XXXX XXXX which we did. We were told in XX/XX/XXXX that we were missing paperwork and would need to fill out a fourth packet- then we called XX/XX/XXXX as we had yet to receive it. We were told XX/XX/XXXX that everything was sorted and we needed to wait for our options ( XXXX ) days. Today, XXXX XXXX we received a letter dated XX/XX/XXXX that we were in default on our mortgage. 
We immediately called and spoke with XXXX in loss mitigation. They had kicked us out, she apologised for their mistake on XXXX XXXX and informed us that we could finally make a payment on XXXX XXXX and if we made three additional monthly payments, we would be given our modified loan. 

This has caused so much stress and time. We were told multiple times that we could not make a payment until a decision was reached by loss mitigation, then we were told we could, then we would try and be told no payments would count until loss mitigation process was complete. 
Truist has lost our paperwork, not communicated when something was missing, told us it was being processed and to waitmultiple times. Their failure to inform us of payments resuming in XXXX, adding a stranger to our mortgage, then failing to inform us which paperwork was missing, telling us no paperwork was missing, saying they sent us letters/called us when they did not, and then putting us into default- none of this was necessary. 
We have finally been given the option to make our monthly payments, but this has been an absolute nightmare and I want assurance that we can keep our home and resume payments as normal. We should never have been lost in the shuffle and had our payments fall behind solely due to their lack of communication and failure of training every employee to know their procedures regarding payments and modifications.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report on XX/XX/year>, and noticed unauthorized inquiries. I need these inquiries removed. When I contacted XXXX about the hard inquiries, they were unhelpful and seemed skeptical even though I had already filed an FTC report. However, when I spoke with TransUnion, they were more cooperative and put the inquiries under dispute, making the process easier. These unauthorized inquiries are affecting my credit, and I want them removed.
Product: Debt collection

I have never had an account with this lender. 
XXXX XXXXXXXX XXXX XXXX MASTERCARD {$770.00}
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found an account listed under the name XXXX XXXX XXXX with the account number XXXX that is currently inaccurately reporting late payments for XX/XX/year>. This payment was in fact made on time. The consumer reporting agencies need to ensure all information is reporting accurately. This account has never had any late payments. I have attached a copy of my report for your reference and request that you investigate this matter and promptly remove the incorrect late payment entry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Debt collection

This company has hand mailed me 2 letters within the month now and these are n't regular collection notices, these are " court order '' documents with my name and address on them but no other information such as a judge or his signature on the document and also..no notary stamped anywhere. They have threatened to garnish my wages also.
Product: Debt collection

Multiple calls a day with very rude employees demanding for me to stay on the line.
Product: Vehicle loan or lease

Capital one- Amount XXXX This account is paid and closed. I have told them to remove it as it violates my rights according to 15 U.S.C 1681 section A section 2 XXXX XXXX XXXX has been on my report since 2011 and they still won't remove it.
Product: Debt collection

On XXXX, XXXX, I placed a complaint about this Debt Collectors company, RESURGENT CAPITAL SERVICES L.P., located in XXXX, SC XXXX XXXX XXXX XXXX, phone XXXX XXXX XXXX XXXX. At that time, they were harassing me, in less than a month they sent me five notifications about an old credit card debt from the year XXXX for {$18000.00}, using confusing language that overshadows and contradicts information. 

I respondedto all five notificationsas they arrived because they keptthreateningme that if I don't respond to dispute this debt in 30 days, they'll obtain a copy of judgment. In order for me to respond to them, I had to expose myself ( I'm XXXX XXXX XXXX ) and others to this deadly Coronavirus COVID-19, every timeI had to go to print the response letters, and to the Post Officeto mail them.In all my responses I've disputed this debt and I've asked them to stop contacting me, at least they want to pursue this matter in court, but they haverefused to do it bycontinuing to send me more notifications. Also, I haveverified that the Statute of Limitations for enforcing this type of debt through the courts in Texas has expired ( I have mentioned all of this information on my previous complaint ). 

On XX/XX/XXXX, RESURGENT CAPITAL SERVICES L.P. responded to my complaint to theConsumer Financial Protection Bureau ( CFPB ), citing on their 2nd page that : " Our records indicate that XXXX XXXX XXXX submitted a notice requesting that we cease communication with them to this office on XX/XX/XXXX. When Resurgent receives a cease and desist request, Resurgent places a restriction on the account so that our office initiates no further contact to the customer, except to respond to specific requests received from the customer. Please be advised that the cease and desist notifications received also states that XXXX XXXX XXXX disputes the validity of the debt. '' ( response attached ) I HAVE NOT askedRESURGENT CAPITAL SERVICES L.P. to respond to any specific requests since my lastcease and desist request on XX/XX/XXXX. 

On XX/XX/XXXX, once again, they've sent me another notificationusing the same old confusing language that overshadows and contradicts information as the five previousones before I placed mycomplaint on XX/XX/XXXX ( picture attached ). 

All six notices are coming from the same XXXX XXXX XXXX, XXXX MI XXXX And the same Correspondence Department XXXX XXXX XXXX, XXXX, SC XXXX
Product: Payday loan, title loan, personal loan, or advance loan

The late payments in question violate the provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a and 15 U.S. Code 1681b, which mandate accurate reporting of credit information and disclosure of permissible purposes for accessing credit reports. Additionally, the creditor 's actions may be in violation of 15 U.S. Code 1666b, which prohibits creditors from treating credit card payments as late under certain circumstances. 

Despite my attempts to rectify the situation directly with the creditor, the late payments remain on my credit report, causing undue financial harm and impeding my ability to access credit on fair terms. I am reporting this because I want to ensure compliance with federal regulations governing credit reporting and lending practices. 
XXXX. XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

In XXXX I had some unauthorized charges from XXXX. I called pay pal multiple times and asked them to remove my checking account and explained I did not give permission for them to use my checking account. They advised to go online and remove my bank account from my XXXX account. I explained every time I tried to do that it was giving me a error. I then went into a Peoples Bank Branch and st down with a MANAGER for a long period of time explaining this issue and asked to close my account and open a new account to prevent any further transactions from XXXX. I showed the manager how many times I called paypal and showed him the error message. He advised that I did not need to close my account a block would be put on and no more transactions could come through. This month 2 more XXXX  cam through causing my account to over draw. I called peoples and was told to file a claim and I would NOT be refund overdraft fees even if it was fraud. I asked for a manager and was still not assisted. I was emailed thinking I could file the claim electronically but I'm asked to come into branch again or find a printer and fax. I called XXXX  several times and they told me they removed the bank account and refunded me but I have not received my money. I followed up with Peoples Bank several times and I have not come to an resolution.