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

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) concerning multiple creditors ' mishandling of collections, charge-offs, and repossession accounts. I firmly believe that my rights under various consumer protection laws have been egregiously violated, and I implore the CFPB to conduct a comprehensive investigation into these matters. 

Upon meticulous examination of my credit report, I have unearthed a myriad of alarming discrepancies and potentially deceptive practices. The following accounts warrant immediate attention due to the gravity of their violations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Self Inc.  has proceeded with an unauthorized charge in the amount of {$52.00} to my checking account. I have never had any contact/relationship or agreed to any services provided by Self Inc. or any of their associated entities prior to me detecting this fradulent charge. 

I am afraid any accounts/services have been opened with my personal information with the inappropriate due diligence fron Self Inc in verifying these. 

I do NOT or have ever agreed to any products/services from Self Inc or any of its associated entities. I have never provided my bank information to Self Inc or any of their associated entities. I have NOT agreed or authorized any charges on their behalf and demand these be reversed. All accounts/services immediately suspended and closed. As well as the 3 credit bureaus be notified of this wrongdoing and requested to erase all and any information reported linked to Self Inc or their associated entities.
Product: Checking or savings account

Hello so my social security and bank account was hacked by someone which caused them to open new accounts in my name I contacted my bank and let them know about the and I also contacted XXXX and told them of the issue. Everything was running smooth for a good amount of time. After a month or so XXXX restricted my spending account out of no where and disabled my card so I thought it was nothing and waited it out them then suspended my account indefinitely and put it under review I resubmitted the reason for what happened to my bank accounts and XXXX never too notice to the matter but only sent back and atoned response telling me that they where closing my accounts. I emailed them to remove my money so I could get my funds back and then fully close the account the never responded back to me its been over 2 months and I still havent received a response to getting my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to Experian and received a form letter. It is evident Experian didn't read or was to lazy to respond maturely. The complaint was specific but Experian replied back - Unfortunately, at this time, we are unable to process your disputes, as they are not specific. 
Perhaps they just have people that don't know how to respond other than pushing a button to send form reply outlined by others. So as a test, I will submit the complaint again. My complaint and request was - Credit Reporting Agencies have stated that a verbal permission to access a credit report is allowed for a company. May I have the section in the FCRA that allows verbal permission for a company, not a person, to access consumers private credit report? 
Is the CFPB a waste of money?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX , and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 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. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Sending attached documents and complaint to the furnisher at the same time as this document is being sent. The furnisher of credit information being disputed within the attached document, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) is fraudulent, which can be demonstrated by review of the attached documents. 
The charge of operating a motor cycle without protective eyewear does not apply to the provisions of Florida statutes section 316.211 ( 2 ), where the motorcycle at bar was a scooter with an engine displacement of 50 cubic centimeters or under, thus protective eyewear not required pursuant to the provisions of Florida Statutes section 316.211 ( 3 ) ( a ). 
This action was commenced on XX/XX/2019. These actions constitute filing a false report with the credit reporting agencies. 
Actions taken by company : Conviction of violation of Florida Statutes section 316.211 ( 2 ) and suspension of my drivers license for 5 years, due to the violation of Florida statute section 322.264, which was a direct by-product, ( fruit of a poisonous tree ) of the original fraudulent action of issuing a citation when no law was in fact broken. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX, Fl. XXXX, Fl. Bar # XXXX, was the fiduciary, that was paid {$1500.00} to dispute these matters with the furnisher, that refused to do so. I accepted the terms of the agreement under undue influence of a conspiracy to deprive me of my civil rights, perpetrated by the court, fiduciary, and officers of the furnishing agency.
Product: Vehicle loan or lease

NFCU Subject : Explanation of Inability to Open an Account due to Confinement Dear Ally, I hope this letter finds you well. I am writing to address a recent matter concerning an account application that appears to have been initiated under my name. I would like to clarify that I did not open an account with NFCU during the specified time frame due to extenuating circumstances that rendered me unable to do so. 

The application in question seems to have been submitted on XX/XX/. I must emphasize that during the period surrounding that date, I was in confinement and faced significant limitations in my ability to engage in any activities outside of my immediate living space. 

The nature of my confinement was such that I did not have access to the necessary resources, including internet access and physical documentation, required to open a new account. Moreover, my location was not conducive to such activities, making it logistically impossible for me to initiate any account-related procedures. 

I understand the importance of accurate record-keeping and the need for thorough investigations in matters like these. I kindly request that you conduct a comprehensive review of the application details and consider the circumstances I have outlined. It is my hope that this clarification will allow you to confirm my assertion that I did not open the account mentioned in your records. 

If there are any additional steps or documentation required from my end to support this claim, please do not hesitate to inform me. I am more than willing to cooperate fully to resolve this matter promptly.

I appreciate your understanding and cooperation in this regard. It is my earnest hope that we can swiftly resolve any discrepancies and rectify the situation. 

Thank you for your attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I was charged a {$25.00} late fee on 2 of my credit cards and my payments were made on time
Product: Credit reporting

Name XXXX XXXX XXXX is not my name. It is on my credit report.
Product: Debt collection

My current legal name is XXXX XXXX XXXX and my current occupation is I 'm a XXXX  of XXXX XXXX XXXX XXXX XXXX XXXX. I 'm just asking to be fairly not long ago I check on my credit report and some incorrect information and inaccurate on my credit report I did report to CRA and ask them to remove those items then XXXX  and XXXX confirmed is fraud and I 'm the victim of fraud now I 'm stil waiting XXXX to remove the inaccuracies off my credit report I was lose almost over two hundred points of that suddenly they have another collection came from XXXX phone account # XXXX and the amounts is {$290.00} dollars said that the account was open in XXXX last year 2016 my question is all that time XXXX phone why they do n't report to the CRAs the three major credit reports that I have open account with them or someone else? I 'm have snaill business and I 'm work hard everyday I 'll pay my debt I do n't owe no deb at all just my two credit card couples hundreds of dollars if I pay my debts I suppose deserve for good credit score, this they not report at all then the thing go wrong and they report to the three major credit report without notice when I know is too late my credit report already report and my credit score is went down that hurst my employees, my financial, leasing, insurance etc ... and my XXXX daughters next year the go to college university XXXX XXXX   how do I have student loans for them XXXX as for myself I did write a notice on my credit report that any new inquiry or new account please contact me on my personal phone numbers, but no body contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with XXXX XXXX XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX XXXX  for review or collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX the following accounts reporting on my credit report have violated my rights .All information reported to each credit Bureaus are different and mismatched. accounts # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Including the following inquires reported ; XXXX XXXX  Credit Cards XX/XX/XXXX TransUnion XXXX XXXX XXXXk Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX TransUnion XXXX XXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. It also states Consumer reporting agencies can not furnish a account without my written consent and instructions.
Product: Money transfer, virtual currency, or money service

XX/XX/year> there was a transaction for {$85.00} made on my brothers cash app account. He is underage so I am the sponsor on his account so I have the authority to speak on his behalf. The transaction was made for a withdraw from our mothers card ending in XXXX to be added to his cash app balance he immediately realize this was mistake and with Drew the money from his cash app balance back to the card XXXX and we can provide proof of that however neither cash app nor go to bank credited the money to the card and when we try l it and we have filed complaints with the federal reserve disputed it with the bank file complaints with Cash App and they tell us that there is no new information on it and they would be happy to assist us if we had any other concerns, but they can no longer assist us on this matter and we are just out {$85.00} and no one can do anything about it. the cash app account that it occurred from was $ XXXX and the bank was XXXX bank which states that no error occurred and the money was never sent to them. someone needs to figure out where this XXXX $ is and it's been weeks now u fair for the consumer to be told they are simply out of luck with no explanation
Product: Credit reporting, credit repair services, or other personal consumer reports

For months now I've tried to address this Bankruptcy with the reporting company and they still choose to ignore me. I've sent letters requesting validation and verification and nothing has been done.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 XXXX XXXX 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

I have been a customer in good standing for many years with XXXX XXXX. 2 months ago I started receiving collection notices from Jefferson Capital for XXXX. I contacted XXXX  and they said I am a good customer and I do not owe an old collections bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section XXXX A. XXXX I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Reverse Mortgage Solutions ( RMS ), XXXX TX/XXXX   NC Re : Hail damaged roof ( Colorado ) My reverse mortgage is handled by RMS. My homeowners insurance paid immediately for the replacement of my hail damaged roof. However, RMS cashed and withheld the insurance funds for 2 1/2 months and required a boatload of documentation, making it impossible for me to pay my roofers upon completion for the roof replacement, which was completed promptly in XX/XX/XXXX. I didn't receive final reimbursement for my insurance payout monies from RMS until XX/XX/XXXX, at which time RMS deducted {$170.00} from my insurance payout to cover their own inspection charge. My roof had already been inspected and approved by the City, but RMS would not release my already paid insurance funds until they double dipped me {$170.00} for their own inspection. 

When looking online, I was horrified to find many senior citizens have been delayed or denied reimbursement from RMS for their homeowner damages. I don't understand how this can be legal for a reverse mortgage company to cash and withhold legitimate insurance company payouts on senior citizens ' homes.
Product: Payday loan, title loan, or personal loan

They gave me a line of credit for {$1300.00}, and I made XXXX payments of XXXX semi weekly and my balances is XXXX, I wonder is they subtracted the money I paid XXXX email them and also talk to a representative about this matter, they is overcharged me in interested. Been making payments ever since XXXX of XXXX, could you look in to see if there are fraudulent interested fee .Thanks
Product: Credit card

I purchased an XXXX XXXX online on XXXX. I purchased this using my Goldman Sachs Apple Card on monthly installments. The item could not be delivered to me due to XXXX XXXX. XXXX canceled the order. However the Goldman Sachs Apple Card has charged me for monthly installment payments and taxes on the item for several months. 

I have made repeated calls to the Goldman Sachs Apple Card dispute team and to XXXX directly. They claim they put this into a disputed status but nothing has been resolved. I have made payments on these erroneous charges for XXXX months. I have spoken with supervisors at both Goldman Sachs and XXXX. No one has been cooperative or helpful in refunding this money that is owed to me. 

I can not believe that credit card companies like this are permitted to treat consumers in this way. It is unethical and unconscionable. I'd advise anyone considering an Goldman Sachs Apple Card to stay away.
Product: Debt collection

Tried to call apartments who are claiming I owe this debt. They said I didnt owe XXXX $ that I owe XXXX $ They said I cant fix it because my lawyer has to call them. I am not sure whats going on but, its stopping me from being able to rent in other apartment complexes. I dont even know the correct amount Im supposed to pay or if I even legally owe this money. The apartments had a hate crime against me and didnt give me proper amount of days to move out when I moved out.
Product: Debt collection

The law firm of Bronstein and Weiss have contacted my family members in an attempt to reach me to collect a debt. This has upset my family, and me, especially after they are trying to collect a debt that is more than five years old, and after being requested to submit any correspondence and contact information in writing.
Product: Credit card or prepaid card

I noticed that my most recent credit report contains late payment ( s ) reported on XX/XX/2017 for my Discover account. 

I want you to know that I understand, and have great respect for my financial obligations. 

Unfortunately, at the time of the incident mentioned above, I had was unable to pay at the time due to flooding in my household which caused me to have to pay for a place to live temporarily.. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. 

In the near future, I am planning on applying for a home loan, and it has come to my attention that the missed payment ( s ) on my credit reports could hurt my ability to qualify.
Product: Debt collection

When I tried to contact the collection agency I was trying to see if they could work a resolution out with me. They was very rude and stated that my debt would be collect either way it go.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from TransUnion regarding these items. 
I am requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( The previous request not honored ). As the following items can not be verified, please correct status or delete them from the credit file : ACCOUNTS XXXX XXXX not mine/never late COLLECTIONS  XXXX XXXX XXXX not mine Identification already on file, please notice your internal notes. Please send a complete updated copy of the credit report. Additionally, DO NOT place a fraud alert or promotional block, etc. on my file without my expressed permission.
Product: Debt collection

It is imperative to address the false representation of debt collection by PROGRESSIVE MANAGEMENT SYSTEMS, as they are engaging in fraudulent activities with the intent to defraud and deceive the consumer regarding an alleged debt of {$920.00}. The stated amount is false and does not constitute the financial responsibility of the consumer in question. There is no recollection whatsoever on the part of the consumer regarding any such claim made by PROGRESSIVE MANAGEMENTS. It is hereby demanded that PROGRESSIVE MANAGEMENTS immediately cease and desist from these criminal acts directed towards the consumer.