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

XXXX XXXX took XXXX from my discover credit card in XX/XX/XXXX. I called discover before the transaction was posted to block money taken from me for that account. I had not gone to that place a single time in the month of XXXX but money was still taken from me. I called them and went in person to cancel my membership, they said it would be taken care of. I can not afford this transaction, I moved out from the city of XXXX where XXXX XXXX  is back in XXXX. I can't afford to pay this. I also called discover before the transaction was posted and told them to place a stop pay from them because if you read reviews for " XXXX XXXX  '' everyone states that they are deceiving and negligent in card information which is why I called discover before hand so that they could put a stop to it before it was posted. The transaction still went through, I did a dispute and they sided with the merchant. They are extremely negligent with the whole process and have not communicated with me at all since I have reached out to them after getting my card charged. Please read the reviews for " XXXX XXXX '' in XXXX to see I am not the only one in this situation. I can't afford to pay this and it is for a service I never took part in since I didn't go a single day in XXXX and the membership was for the month of XXXX.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXXXXXX XXXX and the joint account owner who was my caretaker informed me she was in communication with XXXX XXXX and that I had to make a payment or the truck would get repossessed. This was in XXXX of XXXX. I called them and made a monthly payment XX/XX/2022 for the usual amount of {$770.00}. The customer service representative verified this would stop the repossession which was very important to me. Well they took the truck anyway without my knowledge right after that and didnt even allow me to get the thousands of dollars worth of personal property I had in there as I was preparing to move residences. It has really bothered me that they were so dishonest so I got some legal advice and if this avenue doesn't produce results then a lawsuit is the next step which I would like to avoid because of the time it would take. They refuse to acknowledge my last payment date because then it would prove my case. That they basically repossessed my truck unlawfully but they refused to acknowledge that I had made any payments in XXXX. Well I finally have the proof of that payment which was the only thing my lawyer needed to move forward with full confidence. This affected me so much I went into inpatient treatment at the VA for almost a year following the repossession.
Product: Payday loan, title loan, or personal loan

My payments to this company is due on the XXXX. I get paid twice a month a pay with my last check, its just how my bills are set up. This particular company calls, harass monthly. Ive been talked to ugly. I said I dont like the fact I used the company for this reason and the employee answered well we dont like you either.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian regarding their failure to comply with the Fair Credit Reporting Act ( FCRA ) in relation to unresolved inaccuracies on my credit report. Despite my formal disputes, some unverified accounts remain on my report, in violation of Section 611 of the FCRA ( 15 U.S.C. 1681i ). I previously disputed the following items on my credit report with Experian because I believe the information is inaccurate and can not be verified. Although some items were corrected, the following accounts remain on my report despite the lack of verification : Creditor/Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Reason for Dispute : Not Mine Creditor/Account Name : XXXX XXXX  Account Number : XXXX Reason for Dispute : Not Mine Creditor/Account Name : XXXX XXXX XXXX Account Number : XXXX Reason for XXXX XXXX Not Mine Creditor/Account Name : XXXX XXXX  XXXX Account Number : XXXX Reason for Dispute : Not Mine Creditor/Account Name : XXXX XXXX Account Number : XXXX Reason for Dispute : Not Mine As part of my ongoing efforts to resolve this matter, I previously filed a report with the Federal Trade Commission ( FTC ). My FTC report reference number is XXXX. Despite this, the disputed accounts remain on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

the folowing accounts XXXX # XXXX {$1700.00}, XXXX XXXXXXXX # XXXX {$3600.00}, XXXX # XXXX {$700.00}, XXXX # XXXX {$1100.00}, XXXX # XXXX {$600.00}, XXXX # XXXX {$33000.00}, XXXX # XXXX {$1000.00}, XXXX XXXX # XXXX {$1000.00}, XXXX XXXX XXXX # XXXX {$1200.00} are all unauthorized items that were opened in my name fraudulently i have filed an ftc report and police report and sent to credit agency with no prpoer response i would like for these items to be removed immediately before further litigation action to be taking thank you
Product: Credit reporting or other personal consumer reports

I logged into my credit report and i saw couple report that am not aware about. 
-- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$120.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$120.00} XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit card or prepaid card

FINAL DEMAND LETTER BEFORE LEGAL ACTION Defendants Name : American Express Company Defendants Address : world financial center, XXXX XXXX XXXX, XXXX XXXX, ny XXXX, XXXX Re : XXXX XXXX Dispute Plaintiffs Name : XXXX XXXX Plaintiffs Phone : XXXX Plaintiffs Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, XXXX Plaintiffs Email : XXXX Dear American Express Company : Please be advised that you owe me the following : 1. Amount Requested- {>= $1,000,000} 2. Description Since XX/XX/XXXX, you have failed to pay me for the damages that resulted from your clear violation of federal online accessibility standards and guidelines. I have documented and saved the list of accessibility violations present in your website as of XX/XX/XXXX. 

Details : Your website does not meet federal accessibility standards and guidelines under the Americans with Disabilities Act of 1990 and Web Content Accessibility Guidelines ( Department of Justice. ) Specifically, you have the following violations and errors present in your website. 

Issue : Missing Language Setting Description : You should set the language for your entire website / webpage to improve accessibility and make your page easier to navigate for screen reader users. 
Legal Violation : 42 U.S.C. 12101 : Americans with Disabilities Act of 1990 ( Title II and Title XXXXII for web compliance ) Issue : Missing Accessibility Statement Description : It seems like you're missing an accessibility statement on your website, which is required in some countries. An accessibility statement is important as it ( 1 ) shows users that you care about accessibility and about them ( 2 ) provides them with info about the accessibility of your content and ( 3 ) demonstrates commitment to accessibility and to social responsibility. 
Legal Violation : 42 U.S.C. 12101 : Americans with Disabilities Act of 1990 ( Title II and Title III for web compliance ) 3. Demands This will be your only chance to settle this matter before I file suit against you in Small Claims Court. I am agreeable to a lump sum payment, or to a payment plan. Please contact me within 2 weeks upon receiving this request or I will file a lawsuit against you without further notice. It is in your best interest to settle this matter before a lawsuit is filed. If a judgment is obtained against you, it will negatively affect your ability to get credit, you will be ordered to pay court costs, and you will incur interest at a rate of 10 % per annum. 

This letter serves as evidence that I have attempted to resolve this matter informally. 


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

TransUnion company send me my credit report and I realize they are addresses, telephone numbers, employment places and account numbers with adverse information that's doesn't belong to me. I would like you to be erased this from my credit report. 
I called TransUnion on XX/XX/XXXX, and XX/XX/XXXX and XXXX.
Product: Credit card or prepaid card

I received a letter dated XX/XX/2020 from US Bank stating that it was closing my account immediately for inactivity. In almost all cases in the past, with other credit card companies, I would receive a letter letting me know that my card will be closed for inactivity in 30 - 60 days unless I ( 1 ) give them a call to discuss keeping the card open or ( 2 ) make a purchase using the card scheduled to be closed.

I found this concerning because most Banks appear to be bending over backward to help their customers during the pandemic. In this case I wasn't given an opportunity to resolve the matter and keep the credit card account open. 

I called Customer Service at XXXX at approximately XXXX XXXX EDT on XX/XX/2020 to discuss the matter as instructed in the letter. The Customer Service Representative told me that this was considered a permanent close and if I wanted it to be re-opened I would have to reapply. I didn't want to go that route so as not to affect my credit score with a new inquiry and asked to speak to a supervisor. The supervisor told me the same thing and let me know that there was no one else I could talk to. I found that surprising and ended the call. 

I just looked at my XXXX FICO Score XXXX on XX/XX/2020 at XXXX XXXX and have an XXXX credit score - nine points away from a perfect score using that model version. It appears that credit scoring was not a variable in their closure mode where they could secure a soft hit on my credit report to determine the minimal risk I present to the Bank without impacting my credit score. 

Thank you.
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 which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take and effective measures to prevent and address fraud on their platform, leaving my account vunerable and unprotected. Futhermore, the 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 has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX SSN : XXXX XX/XX/year> To Whom It May Concern : I sent a request for an investigation under FRA 611 ( a ) to you in reference to the following account ( s ) XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXXXXXX Account # XXXX THIS IS MY 3rd NOTICE REGARDING THESE FRAUDULENT ACCOUNTS I am hurt and confused to see I received a letter advising that you " VERIFIED '' the information. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. Ive been a victim of identity theft so there is no way you were able to verify anything. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Your company has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not DELETED from my report. Please do not " update '' or " verify this information again without doing a due diligence investigation. I am requesting to be provided with the written contract & physical documentation to support the information that is being reported on my credit report via USPS mail. Screenshots will not suffice. Send my actual signature on a contract. As this debt is Not mine. I am asking for this verification because my credit score is important to me, and after learning of my identity being compromised I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do no send me a template letter in response to this request. I am in the process of planning a legal case, so I will need specific answers to the specific questions asked of you in this letter. I have faith that your establishment will do the right thing and truly investigate this matter and if you do not have proof the debt is valid which you will not because of identity theft then please DELETE the information. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record. 

Regards, XXXX XXXX
Product: Credit reporting

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX TransUnion LLC XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Account Number Num : XXXX XXXX : CFPB Case Num : XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report. These items I 'm disputing also is listed bellowed as an attachment. You could see the account information as it appear in my credit repot. 

Enclosed are copies of enclosed documentation, such as Letters supporting my position. Please reinvestigate this these matters delete and correct the disputed item as soon as possible. I have attached copy of all the correspondence regarding this issued with XXXX XXXX. 

Due to the age of the account was closed on XXXX XXXX, XXXX with a zero balance. It has been more that 8 years. The company has reported to the bureaus, to remove the account from the credit report. 

Thank you for the opportunity to clarified this issued. 

XXXX XXXX Dear XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT, XXXX Account Number Num : XXXX XXXX : CFPB XXXX XXXX : XXXX Attachment of the credit Report
Product: Checking or savings account

I try to one and account in Capital one and it said that someone alredy use my SSN to open one such thing that i didnt do
Product: Debt collection

I am showing 2 debts on my credit profile from this company that I have no idea whom it belongs to. I have reached out to the company listed in my credit profile to no avail. This debt collector and whomever is the original debtor has not provided any assistance to me in this matter and it continues to negatively impact my credit profile and quality of life. I am requesting XXXX XXXX assistance with this matter so that I can put this error behind me and begin to rebuild my credit profile that seems to have been impacted in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that the following companies are reporting addresses that are not mine, I have provided a copy of my Drivers license, and these Banks have Account charged my account without sending me a 1099C Under Section 166 of the Internal Revenue Code, All debts or Accounts are charged off. Must send the consumer a 1099C which I have not received from this bank. XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX are bank ( as defined in 1.166-2 ( d ) ( 4 ) ( i ) of the Income Tax Regulations ) and is subject to supervision by Federal authorities. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX has elected under 1.166-2 ( d ) ( 3 ) to use the conformity method of accounting to determine when debts owed to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX become worthless bad debts. 
15 U.S. Code 1681b - ( a ) ( 1 ) ( 2 ) Permissible purposes of consumer reports 15 U.S. Code 1681a - ( 2 ) ( A ) ( i ) 15 U.S. Code 1681a - ( 2 ) ( B ) 15 U.S. Code 1681e - ( b )
Product: Debt collection

Numerous calls from numerous numbers, but all from Wakefield and Associates, purporting to be collecting a debt from someone I have never heard of. I explained that I am not the person they are seeking and have asked repeatedly to be removed from their list. They claim to have taken me off, but the calls just keep coming every day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX SSN : XXXX D.O.B : XXXX XXXX Contact : ( XXXX ) XXXX XXXX Re : Disputing Inaccuracies on My Credit Report TransUnion XXXX XXXX XXXX XXXX XXXX IL XXXX OR XXXX XXXX XXXX XXXX, PA XXXX To XXXX it XXXX concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I have lived at Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX for 8 years and I have never lived in these addresses reported on my XXXX report. Also the my name isnt corrected as well my name is XXXX XXXX XXXX Please consider this a formal request to investigate and correct the following ( XXXX ) inaccurate addresses on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant XXXX15 USC Section 1681i of the Fair Credit Reporting Act of XXXX. As required by the XXXX, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. XXXX Duties of users of consumer reports regarding address discrepancies. The following addresses listed below : XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, LA XXXX XXXX. XXXX XXXX XXXX, XXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX, GA XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, Ga XXXX Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Product: Mortgage

I do n't know why you refuse to help people. Seems to me you make lots of false claims and do litte to actually help recify the growning racketeering that has arisin again. I had XXXX loans initially with XXXX firm that was allegedly purchased by a huge firm, but NO one can provide an fact regarding a RESPA Request. 
They ca n't do this, although they have tried with XXXX different lawfirms that try to intimidate people but are very carful on the working in their letters. What is really sad but very important and revealing is the fact that these law firms have had their problems with foreclosure litigation against them. 
These " pretend '' servicers-lenders are very very ticky and know how to create smoke and mirrors as well as being great at deceiving people with their mailings. Most have " paper mills '' that put out the fabricated, forged, phony, and even " robo-signed '' signatures and notaries!! Even many local trustee/recordrs are way to sloppy in not asking for proof before recordings. 
My most recent encounter is with a very nasty lender I have been fighting for five ( 5 ) years on XXXX loans and this company has well over 40,000 complaints logged against it through CFPB- so there is really something wrong here when you send a person like me a letter and say the " other party responded '' and we have closed the case based upon the mere lender 's reply and response with some of the phony documents attached. 
I have undisputed proof on all XXXX loans that they no longer existed after the first company was bought out. There is also a recent ruling against racketeering here in Colorado in the XXXX Circuit Court Ruling in XXXX et al. v. XXXX XXXX and Bank of America issued on XX/XX/2016 and the CFPB even ignores this and thousands of cases against this company which shows just how corrupt our system is and the fact that our very own government is in on all this racketeering. Otherewise they would be taking positive action to issue a nationwide moratorium on foreclosure so things do n't get out of hand again like in the past. 
I hope the new administration finally disbands the useless, dysfuntional, and questionable CFPB and many others. It is truly time for change in my humble opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. 
DEPTEDXXXX {$3000.00} DEPTEDXXXX  {$4800.00} XXXX {$250.00}
Product: Credit card or prepaid card

I was informed that the rewards certificate i used to purchase an item could only be used once. although the rewards used to purchase that item was returned without a problem.
Product: Mortgage

My home is in foreclosure. I am working with Specialized Loan Servicing. I submitted a request for modification through XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX has not been active as an advocate for me to get relief from SLS. On XX/XX/XXXX I received a letter from SLS indicating they want a letter of explanation. This followed a request for a copy of my pension documents from the XXXX XXXX XXXX County, Maryland. The requester was XXXX XXXX, ID # XXXX. All of this information was to help them modify my loan to a point I can make the monthly payment. Just a few days later, before I was able to submit a letter of explanation I received a letter from XXXX XXXX ID # XXXX, dated XX/XX/XXXX ( just 4 days ) indicating my loan was modified and my trial payments were {$1500.00}. This is the same modification that was offered to me in XX/XX/XXXX. I talked with XXXX XXXX then and told her I could not make that payment due to my fixed income. I am XXXX and receive a Social Security check for {$1800.00} a month and a pension check for {$430.00}. This pension is based on my being a Volunteer XXXX XXXX XXXX for 43 years. I told XXXX XXXX in XXXX I could not afford the monthly payment and needed it to be around {$1000.00} a month. Notwithstanding she sent the same modification out so I can not afford it and they will take my home. She did not reference any of the documents sent to them by XXXX wherein I requested the lower payment. Furthermore they made their decision before I was able to send the letter into XXXX XXXX. In my opinion they are bargaining in bad faith, knowing I can not afford their modification. I have lived in my home since XXXX.
Product: Credit reporting or other personal consumer reports

NCB Management has participated in the violation of HIPAA, as a medical bill was sold to them and they collected funds from me. I paid the account off years ago and they are refusing to remove it from my credit. I have asked them to remove it, multiple times. Their violation of HIPAA should be addressed and this account needs to be removed.
Product: Debt collection

I do not have a signed contract with this company. I'm requesting they see validation of debt sending a statement with paid or unpaid dollar amounts is not validation. I'm requesting a signed signature stating I owe XXXX XXXX XXXX this alleged amount that they placed on my consumer report without my permissible purpose which is a violation of my consumer rights I also believe this whole thing is fraud the dollar amount that they're requesting from me please provide purchase / forward flow agreement of this alleged debt.