23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Medical appointment, with a XXXX, date uncertain, ( probably XXXX ) for routine exam. Routine exam, no XXXX growths found. Dr.did remove, by freezing 2 ( two ) very small XXXX growths on my neck. I was released and total charge would be {$20.00} for an office visit. 
Received a bill in the mail for {$150.00} for surgical charges! 
I disputed this, contending that the freezing of 2 ( two )  small calcified pin size growths WAS NOT XXXX. 
I continued to receive monthly statements from this unethical Doctor? 
On XX/XX/XXXX, I received a demand letter from Southwest Recovery Services for service by XXXX XXXX. 
I mailed a " Cease & Desist '' letter to Southwest Recovery the next day. 
I am now receiving " demand letters '', threatening legal action from Southwest Recovery Services. I believe this is in direct violation of the Fair Debt Collection Act.

In addition I received an inquiry from the Social Security administration concerning a {$450.00} charge from XXXX XXXX   that XXXX had filed on my Social Security account, part 'B '. 
I DO NOT have part 'B ' coverage, only part A. 
XXXX XXXX made a copy of my current XXXX card & knew that I did not have part 'B ' coverage. This is a fraudulent charge made by an unscrupulous dishonest, vindictive Doctor. This man should be made to answer for this attempted fraud.
Product: Credit card or prepaid card

Hello I signed up for Barclays XXXX  XXXX XXXX XXXX towards XXXX end with a promotional offers of XXXX XXXX XXXX and {$95.00} statement credit after spending {$2000.00} within 90 days. I met the requirements and got the XXXX XXXX XXXX but haven't got the {$95.00} statement credit. Barclays is denying {$95.00} statement credit and telling me that it's not in the offer terms Luckily I got the offer terms downloaded before that offer was gone and also took the screenshot from their website. Attaching both with my complaint
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized furnishing of my personal credit information by your company. According to my recent credit report, there are entries that I did not authorize and which I believe are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). This is the XXXX letter and dispute I have sent to this CREDIT BUREAU along with my police report, FTC report, and supporting identity documents verifying my identity. I indicated in all my letters and police report that I am indeed a victim of identity theft, and these creditors and CREDIT BUREAU are violating my consumer rights and not protecting me as an American consumer according to the stated laws. This is my XXXX notice to this company notifying you guys that these listed accounts are fraud. My information isnt protected, and this credit bureau isnt honoring my identity theft claim. My XXXX notice of litigation will be a lawsuit suing this credit bureau, these company did not honor my rights or acknowledge my supporting documents regarding identity theft. I was incarcerated for 10 years with proof when all these accounts were open illegally and fraudulently and Ive proven this matter and will prove it in court without a doubt, XXXX going to sue for my rights being violated, pain and suffering, false allegations from these creditors and credit bureau, and assisting to furnish wrong and fraudulent accounts. I demand all accounts be removed ASAP. 

Specifically, I refer to the following account : FRAUDULENT ACCOUNTS : XXXX. M & T BANK : {$330000.00} ACCOUNT # XXXX XXXXXXXX XXXX XXXX  : {$50000.00} ACCOUNT # XXXX XXXX. XXXX XXXX : {$540.00} ACCOUNT # XXXX XXXX. XXXX XXXX XXXX : {$9500.00} ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX {$210000.00} ACCOUNT # XXXX XXXX. XXXX XXXX : {$4700.00} ACCOUNT # XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$400.00} BALANCE {$900.00} ACCOUNT # XXXX XXXX. XXXX XXXX XXXX  : {$300.00} BALANCE {$460.00} ACCOUNT # XXXX XXXX. XXXX : {$100.00} BALANCE {$650.00} ACCOUNT # XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX {$7000.00} BALANCE {$2400.00} ACCOUNT # XXXX Fraudulent Address : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX These above addresses are fraudulent, and these perpetrators created fraudulent identity documents such as a fake ID and other fake documents to secure a loan in my name and make payments on the loan accounts. My identity has been stolen and compromised during the time I was incarcerated for 10 years ; this is the XXXX notice I have sent this company with all supporting evidence and documentation. I will be suing for assisting and adding in opening accounts and furnishing fraudulent data on my consumer credit report, this company did not take the proper steps to help protect my consumer report and properly investigate this matter.
Product: Credit card or prepaid card

Bank of America makes it unusually difficult for Business Credit Card Customers to set up the Minimum Due payments to be withdrawn from clients OTHER bank. 
XXXX Bank of America, ( on Business Accounts ONLY ) makes it difficult for clients to set up AUTO pay for a minimum balance due, and Instead only allows clients to set up Pre-set amount of payment. ( and Not minimum payment due ). I believe that BOA makes it difficult in order to generate millions in Late Charges from Business Clients. 
My Example : When I received my business credit card, I went on the website to set up auto withdraw for a minimum amount due, and for Paperless statements. my minimum payment due was $ XXXX. After about a year of auto payments, I went online to check my balances, and learned that I was charged XXXX XXXX monthly late fees for 4 months because the minimum payments increased ( due to the rate increase ). When I called BOA, to explain my situation, and to explain to them that I set up min payments to be withdrawn, they stated that it was not the case, and that I was supposed to go through extra steps in order to do that .... 
I believe BOA is making it difficult for clients in order to generate extra revenue.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. XXXX and remove it. 
XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX & XXXX  Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card opened with XXXX XXXX XXXX XXXXXXXX. on XX/XX/XXXX under the account number XXXX XXXX, a personal credit card opened with XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX XXXX, a personal credit card opened with XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX XXXX, a personal credit card opened with Together XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX under the account number xxxxxxxxxxxx XXXX, a personal loan opened with XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX under account number xxxxxx XXXX, and a collection account opened with XXXX XXXXXXXX XXXX opened on XX/XX/XXXX under the account number xxxxxx XXXX. I do not recognize the aforementioned accounts, or collection, as reported. The aforementioned accounts and collection appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and the collection, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # s ( XXXX and XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, the collection, and hard inquiry are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an extremely common name and am very concerned because I know there is a very bad guy born on the same day with the same name as me. I found this out when an apartment complex did a background check on me and got my information mixed up with his. Today, I found an associated address that is not mine on my Experian Credit Report today using their XXXX XXXX XXXX. It took Experian a long time to send me the email to activate this service and it is currently in a " processing '' status. I need to have this address removed and lock my credit reports. Here 's the wrong address not associated with me in any way " XXXX XXXX XXXX, XXXX XXXX, MISSOURI, XXXX ''.
Product: Debt collection

XXXX XXXX is tryin to collect debt that I am unaware of. I asked for Validation of debt. I do not owe credit control. Please see attached document.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX ; XXXX XXXX XXXX XXXX, CT XXXX ; XXXX # XXXX XXXX XXXX, CT XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$8900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

good afternoon dear agency : I suffered a fraud when I took a taxi I forgot my wallet inside and someone stole my cards and they used them to do various things because they bought a lot of things in my name I called the stores to cancel they didn't cancel instead I got a lot of calls from companies every day they are calling me asking me to pay the bills and it was not me who bought them please i want you to delete all these fraudulent accounts that are on my credit please
Product: Credit reporting or other personal consumer reports

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow. 

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Incorrect DOB : XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX - XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Mortgage

I am a victim of identity theft and was also vandalized. My credit score of XXXX has gone down to XXXX, because of the problems with the identity theft. Up until XX/XX/2018 I was faithful paying on the mortgage on time. 
Important documents like the social security numbers, my mother 's will, a quitclaim and other documents were stolen. I tried to contact the attorney 's office who drafted the will in XXXX California, but their office closed and a new attorney works there. 
Since I was behind in payments, I applied for a state program to avoid foreclosure. I had an opportunity to meet with the mortgage company Mr Cooper with their attorney and a mediator. After submitting documents to the mortgage company for a loan modification ( which by the way they said they would not use my credit score ) I was denied a loan modification because their bank guidelines only take 75 % of the rental income. 
I strongly believe Mr Cooper wants to take possession of the home due to the $ XXXX in equity. They also say I have no legal right to the property, since I have no will stating mother transferred the property to me. I can not prove this will because it was stolen by the thief. I did record a quitclaim at the city of XXXX Oregon. 

They claim I have no legal right to the property, since I am not on title. I can not even sell the property either. 
I was approved for a principal reduction program through XXXX, where they will pay {$50000.00} to make me current on the past due payments and apply the rest of the proceeds to my principal. Mr Cooper would not accept the principal reduction program. They also gave no reason to XXXX as to why they are rejecting the program. 
I have been in this house for 15 years and am XXXX years old. I believe I've been discriminated because I am XXXX and they can take advantage of the fact I'm a senior. Please help me to save my home otherwise I will be the next homeless victim and living in my car, and this is not an exaggeration!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so upset that I have sent in TWO letters on XX/XX/20 and XX/XX/20 with no responses. I know that by law the bureaus are supposed to send me my investigation results and I have not received any responses.
Product: Debt collection

Multiple calls per day attempting to collect payment on a loan less than 30 days overdue. Phone carrier flagged these as spam due to number of attempts. 

Multiple attempts on : Tuesday XX/XX/23 - XXXX and XXXX Wednesday XX/XX/23 - XXXX, XXXX, one attempt at XXXX Thursday XX/XX/23 - XXXX, XXXX
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX 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 la

w. 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. 


EQUIFAX Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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: Money transfer, virtual currency, or money service

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

please see attached file with response to request from experian
Product: Checking or savings account

Please refer my previous CFPB complaint # XXXX filed on XXXX XX/XX/2024. Went to branch on XXXX XX/XX/2024. Got my phone # enrolled for XXXX. Did one XXXX outgoing money transfer in the branch-worked fine. 

Later after few hours at home. XXXX outgoing transfer from the computer were not working with the same error message. Tried wells fargo app-they worked. But after XXXX such transfers even app stopped working. 

with a very weird message '' for your protection we are unable to send this XXXX  payment '' Such an unreliable bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M XXXX XXXX XXXX ORIGINALLY NAMED XXXX XXXX XXXX AS WELL AS XXXX XXXX XXXX XXXX XXXX THROUGH TWO JUDGES JUDGE XXXX  XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX  WITH XXXX  CASEWORKER XXXX XXXX AND XXXX XXXX XXXX SUPERVISOR ALONG WITH SUPERIORS XXXX XXXX AND OTHERS NOT CHANGING MY NAMES IN ORDER TO HELP ME AGAINST XXXX XXXX  INSTEAD INVESTORS WERE PLACED ON MY SECTION 8 DOCUMENTS ALLOWING HARM TO ME AND MY SON OVER 20YRS.  DUE TO MULTIPLE IDENTITY THIEVES FOR MULTIPLE YEARS YOU'VE HELPED ME WITH, I DO THANK YOU ALL SO MUCH DOING ALL YOU COULD ALONG WITH MY HAVING TO LEAVE MY SECTION 8 XXXX XXXX XXXX A DAY AFTER MY GRANDMOTHER'S BIRTHDAY THESE THINGS STILL REFUSE TO LEAVE ALONE.  NOW I'M TAKING THEM ALL TO COURT ALONG WITH FIDELITY INVESTMENTS.  WISH WE LUCK.  

ANYHOW.  I'M HERE TO CORRECT AND UPDATE MY MAILING ADDRESS TO ALL THREE CREDIT BUREAUS AS WELL AS REMOVE HARD INQUIRIES AS YOU ALL KNOW STILL ON MY CREDIT REPORT AFTER TWO YEARS AS A CAREER STEALING MY GRANDMOTHER'S NAME XXXX XXXX  AND USING THE QUEEN XXXX  THROUGH XXXX XXXX   SAD BUT TRUE.

I HAVE MY LETTERS WRITTEN TO EQUIFAX, XXXX  AND XXXX  FOR SOME REASON KEEPS TRYING TO MAKE ME OUT TO BE WHAT THEY WANT FOR THEIR BENEFIT AND NOT MINES TRYING TO PIN POINT ME IN THE XXXX COMMUNITY I AM NOT OF NO WAY NO HOW BUT THEY KEEP TRYING AND YOU ARE MY WITNESS.  THEY EVEN TOOK MY GOOD CREDIT SCORE TO AN ALL TIME LOW I'VE NEVER HAD IN THE 500'S.

MY ADDRESS IS CURRENTLY XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NEVADA XXXX.

I NO LONGER USE ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEVADA XXXX AND XXXX XXXX XXXX XXXX XXXX NEVADA XXXX.

I'VE BEEN AWAY FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEVADA XXXX SINCE XXXX XXXX XXXX AND HAS NOT ACCEPTED SECTION 8 SINCE XXXX XXXX XXXX DOCUMENTED GIVEN BUT NOT ADHERED TO.

PLEASE HELP.  THANK YOU SO MUCH. GOD BLESS.
Product: Credit card or prepaid card

I have had a Capital One Quicksilver card for several years. Before the pandemic I had no problems with the card and could easily check my statements on line. 

Sometime in XXXX, the website check in procedures changed and they demanded they send a text to a US phone number. I had one but XXXX XXXX XXXX canceled my number as that program was not available. I got another number from XXXX. When I called to change the number, they asked me to photograph and send my ID. I sent my passport and passport card. I followed up several times and resent it. No response. They said I must have a US driver 's licence as ID to change the phone number. 

Everyone in the US does not have or are able to get a US driver 's license. 

I experienced a similar problem with XXXX XXXX. After several complaints, XXXX suggested and sent a XXXX device that resolved the problem of a US phone. 

Capital One has yet to address the issue. 

I sent an email to an executive with Cap One credit cards. 

" Dear XXXX XXXX, I have been a Capital credit card customer since XXXX, card ending XXXX. I really enjoyed the service, and would like to avail of the offers I am getting for the 360 account, however, sometime during the pandemic the access to my account was changed that demanded a US number be available to check my account. I had an XXXX  number, but they canceled it. 

When I got a new US number, I was told I could only change it by sending a photo of my US driver 's license. I spend most of my time overseas and don't have a US driver 's license. I am nearly a super senior and many of us develop XXXX as we age making getting a US driver 's license not possible. I have twice sent my US passport and passport card as directed, but no response. 

The other financial firms I use, allow a foreign phone number or give an option to confirm I am really me via email or 20 questions. XXXX XXXX gave me a XXXX. Some of my accounts are at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Never had a problem accessing my accounts. 

Only Capital One has this requirement that I find most unfair and prejudiced against anyone with a XXXX. 

I have a new card but I have not activated it as I can not check if there are unauthorized charges, or as in the case of my honeymoon we canceled due to XXXX, I still don't know if my card was credited the hotel charges. 

I know you are a very busy man as President of Capital One credit cards, but can you forward this to someone that can help? 

Sincerely appreciate the Help, XXXX XXXX XXXX '' I received an email from Cap One, that I could open with the last four numbers of my Social security number. When I opened it, the email demanded I receive a call or text from the same canceled number. They did include for the first time, an email address. XXXX. 

I sent XXXX an email, and shortly received the same email requiring the last 4 of my Social security number and the same canceled phone number. 

I can not activate the new card if I have no way to verify all the charges are correct. I trust your agency can get their attention. 

Thank you for your efforts. 

Best Regards, XXXX XXXX
Product: Debt collection

I never lived at XXXX XXXX XXXX XXXX, SC XXXX that is attached to the debt. I did however live in the same town at XXXX XXXX XXXX XXXX, SC XXXX. I can only assume someone near me got hold of my information and made the account. 

I don't know how to prove I have never lived someplace other than providing the only two Drivers licenses I have had in the past decade. If you can please tell me what I need to provide to prove I have never lived here.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. I am a victim of identity theft stemming from a recent data breach, and these accounts and inquiries were created without my authorization. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that all items listed be removed. 
Accounts to be Blocked and Deleted :XX/XX/XXXXXX/XX/XXXX