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

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. Account : XXXX XXXX XXXXXXXX number account XXXX
Product: Credit reporting or other personal consumer reports

These are unauthorized inquiries ( XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  ), which I have not approved or given written permission to furnish in my credit report.
Product: Credit card or prepaid card

Back on XX/XX/XXXX I went to a merchant in XXXX name XXXX  XXXX looking to get my Mobil phone fix they charge me {$220.00}, {$220.00}, {$120.00} to fix my Mobil However it was not fix it was damage more since I could not put in my sim card I when to the merchant and notify them of the issue they acknowledge the issue and I fill out a complain form which was sign and stamp by the merchant. They said they could not give me the credit for the service due to the fact that my credit card was from aboard USA so I dispute it with my back they gave me the credit then the said they send me a letter for more supporting document which I did not receive so they when ahead and give the merchant back they money for the bad service they gave me I call the bank to inquire why and they told me the case could be reopen and I should send supporting document which I did send back in XX/XX/XXXX they gave me the credit back in XX/XX/XXXX and then they took it back on XXXX XXXX I call they and ask the reason and they said because the time frame is up so I should go fight with the merchant
Product: Money transfer, virtual currency, or money service

Last XX/XX/XXXX and after 18 months had developed a perfect on-time payment history on a ( SLATE ) credit card it had moved into an extraordinarily high ( 24.9 % ) rate credit card, so I paid it off, in full with a certified cashiers check as advised by the bank and applied for another interest free card ( Freedom ) and was approved but was told to await receipt of the new card before I could do any balance transfers right away, as I was attempting to move some other debt the interest free card. After not receiving the new card for approx. 2 weeks I called in and was told my approval AND any application data was missing and was casually asked to apply yet again. I finally did so a few days later in the middle of last XX/XX/XXXX, waited for the new card which did arrive and then waited the obligatory 10 days before finally able to establish a {$3000.00} credit line and made the balance transfer of approximately {$1000.00} on XX/XX/XXXX to pay off an XXXX XXXX XXXX credit Card in anticipation of going ahead with a home loan approval where paying off that card was their Underwriter 's requirement to actually be able to proceed with the loan process. Suffice it to say that my goal was to move any debt I had left at Chase Bank onto the interest free card I had now in my wallet. Sounds simple but from there things get a bit hazy. The long and the short of it is that it took 41 days for the payoff to arrive at XXXX and by that time I and my loan approval had expired. When I asked why, an XXXX executive officer told me I had not been truthful and not actually ( as I insisted I had ) paid off that {$1000.00} balance on the XXXX card ending in XXXX. When I inquired at Chase bank as to what had happened to the balance transfer in XXXX I was told their 3rd party vendor had issued a check ( not made an ACH transfer as I had been assured it was to be that way ) and sent that check to XXXX at a XXXX XXXX XXXX in XXXX California. I called back to XXXX to ask them about that address and they had never heard of it.
Product: Credit reporting or other personal consumer reports

Security Credit Services obtained my personal information without my authorization or consent. I have NEVER did business with this company and have no knowledge of this company nor do I have a contract with this company. This is aggravated identity theft and I have made a complaint with the CFPB, this company responded stating they are authorized to collect on this account even though, I have not authorized or signed any contract with this company. I have not authorized for this company to have my personal information and do NOT agree to do business with them.
Product: Debt collection

They sent repeated texts and calls giving no background information on who they are. This is XXXX with XXXX. Please give me a call back Have no clue who XXXX is. Plus, the numbers they were calling on were all different or didnt work. However, they called my mom and revealed to her I had a loan with them to pay, which is illegal. You are not allowed to do that or tell third parties about the debt. 

I assumed fraud and reported them to the FTC and FBI. 

Additionally, they were very rude to me, dismissive, abusive, smug and cocky to me on the phone. They have now allegedly verbally told me they are issuing a cease and desist with me because I am being ridiculous. Weird because they are the ones who have been harassing me and my family. Zero accountability for their behavior.
Product: Checking or savings account

The company froze my account with my personal money because I deposited a certified check. The bank left me without access to my funds, which had nothing to do with the certified check I had deposited. I had to go without food. I couldn't pay my rent at my new home, and I had to borrow money for gas to continue getting to work. After begging for help, the bank did nothing except keep my account frozen for 10 days.
Product: Credit reporting or other personal consumer reports

MY PURPOSE OF THIS COMPLAINT IS NOT TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DON'T TRY TO SAY THE ( FCRA ) DOES NOT APPLY TO YOU BECAUSE YOU ARE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF XXXX XXXX OR THE XXXX  IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOT WITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16G2F ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF XXXX XXXX OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO YOU! XXXX XXXX XXXX VIOLATED 15 USE 1681A ( 2 ) ( B ), 15 U.S. CODE 1681B ( A ) ( 2 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692J ( A ), AND 15 USC 1681E ( B ).
Product: Credit reporting or other personal consumer reports

I am requesting an investigation into Experian 's deceptive business practices. They deny consumers the opportunity to discuss problems with live customer service representatives. This practice denies XXXX  and those with XXXX the ability to quickly obtain and correct information on their consumer reports. 

Experian has a tele-prompt system that blocks any/all attempts to reach a live customer services representative placing consumers in an endless loop and creating an undue burden to obtain or verify information in consumer files. This endless loop also eats up cell phone minutes without disclosure you will never reach a live representative. 

I am requesting the CFPB enact or enforce laws that prevent this type of deceptive business practice.
Product: Credit card or prepaid card

I called chase on XX/XX/19 to close all of my credit cards and replace them since I lost my wallet while I was on vacation. I just got my new cards yesterday and I notice theres still transactions going through on my old credit cards. I couldnt have been more specific I told them to close all my cards and reissue them. Today Ive been on the phone already for 30 minutes talked to 5 representatives and they keep telling me their system has an algorithm that decides which merchants are trusted to allow transactions to go through even though my cards were closed. I ask to speak to a manager and instead I get someone named XXXX who is not a manager who once again tells me their system uses an algorithm to decide which transactions are ok or not.
Product: Credit card

I have a Home Depot Credit Card ( issued by Citibank ) and I had used it to purchase items on promotion ( 6 months no interest ) on XX/XX/2016. I was promised that no interest would be charged if I pay in full by due date XXXX XX/XX/2106 ). I have paid the transaction amounts for each month in full since then. For the month of XXXX the total transaction I had was {$11.00} which I paid prior to the due date. However, Ciitibank is charging me a {$25.00} fee since I did not pay the minimum payment of {$25.00}. I do not agree to the minimum amount that Citibank is asking to pay as it would mean that the 6 months no payment no interest is not what was promised to me.
Product: Checking or savings account

At XXXX in the morning, I woke up to my phone receiving text messages of bank transitions through my mobile banking. I immediately sent a email to my bank and called the fraud department about these transactions. I noticed that my debit card wasn't in my wallet either. The fraud department gave me a tracking number and while I was on the phone with the fraud department, I was still getting text messages from US Bank that more transitions and withdrawals were happening. I also went to US Bank in person to let them know what was happening. When I spoke to the teller and let her know what was happening she said, '' you people always have a excuse. I immediately asked to speak with a manager and closed my account. I also made a complaint to the Branch Manager. I'm a XXXXXXXX XXXX XXXX XXXXXXXX XXXX and my only source of income is my XXXX XXXX XXXX. I'm also XXXX American/XXXX  When the teller said to me you people, I knew immediately I would never bank there again. I received a letter from US Bank today, the letter stated that they will not reimbursed me my {$630.00} that was stolen from my account. I did not make these transactions and I want to add, I don't have a credit card with US. Bank and I don't have any loans with US Bank and my account doesn't allow me to get cash advances. All the fraud from my account were all based on cash advances. I have banked at US. Bank for 2 and 1/2 years and I have never received a cash advance. The cash advances added up to {$630.00} within a week period.
Product: Debt collection

Was curious to check my credit score online only to find out I owe {$320.00} which I was not aware of from a previous complex I used to rent an apartment from. Being a seasonal employer was there for XXXX months & paid my rent till I moved out & left for XXXX in XXXX 2013. Never got an email nor phone call stating I owe them money & I shared my apt with another person.
Product: Credit reporting or other personal consumer reports

Mohela reported my student loans to XXXX bureaus finally, but they reported them as Deferred and only included XXXX months of information out of the XXXX or XXXX  months it's been total. They were more concerned with my old original accounts reported since they actually reported them multiple times while I was waiting for the fresh reports. Their fresh reports did not reflect a single thing that I was told would happen if I enrolled into the Fresh Start program, It actually put me in a worse position than I was in when I had the collection accounts on my reports for multiple years. 

I was baited into the program using pure deception, and I would have not enrolled if I had known this was going to be the result. Everything I was thinking was going to happen was nothing but a big blatant lie directly to me over the phone. I was so happy to hear what would happen to my accounts and credit reports that I shared the wonderful news with almost everybody I know, including posting about it on multiple public Discord servers. I thought my life was finally going to get to a stage where I was able to get personal loans or business startup loans, credit accounts, pretty much all of the options the average XXXX XXXX has available. Nope, I still have absolutely no options, and now I don't even have any credit scores once again! XXXX years since I was scoreless and now I'm right back to square 1 with my non-existent financial opportunities. 

I also didn't receive any billing statement for XXXX, and I made a payment in XXXX voluntarily, yet my credit reports claim my last payment was the day before it was reported for the very first time and reported as Deferred on XX/XX/2023. 

Im going to consult with my lawyers to determine the extent of this whole thing with Mohela, and also Im going to file a lawsuit directly against the Department of Education XXXX XXXX that my accounts were transferred from, for deceptive business practices and everything else the incident falls under.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Filed Multiple complaints with XXXX XXXX XXXX and Chex Systems about my Identity being stolen and nothing has been done to start correcting my credit report. I have sent in copies of my police report for identity theft and it still hasnt been corrected and just recently XXXX XXXX XXXX closed my account that was not in the negative without warning or an explanation. I have been blocked from being able to open a decent bank account and I dont think its fair. I should be able to have a legit and credible bank account for my money.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate credit reporting by [ Credit Bureau Name ] in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 Sections 602A and 604A ( 2 ). I recently obtained a copy of my credit report and discovered several inaccuracies pertaining to the following accounts : XXXX account XXXX XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX Upon reviewing my credit report, I noticed that these accounts contain erroneous information, including but not limited to incorrect payment histories, misrepresented balances, and inaccurate dates of last activity. These inaccuracies are severely impacting my creditworthiness and financial standing. I am disputing the information reported by [ Credit Bureau Name ] regarding the aforementioned accounts, as it does not reflect the accurate and up-to-date status of these accounts. Under 15 U.S.C. 1681 Section 604A ( 2 ), I have the right to dispute any inaccurate information contained in my credit report and request that it be corrected or removed. Furthermore, I believe that [ Credit Bureau Name ] has violated 15 U.S.C. 1681 Section 602A by failing to maintain reasonable procedures to ensure the maximum possible accuracy of the information contained in my credit report. The discrepancies in the reported information demonstrate a failure on their part to fulfill their obligations under the FCRA. I request that the CFPB investigate this matter thoroughly and take appropriate action against [ Credit Bureau Name ] for their non-compliance with the FCRA. Additionally, I urge [ Credit Bureau Name ] to promptly investigate my disputes and correct the inaccuracies in my credit report. Please find enclosed copies of my credit report highlighting the discrepancies, as well as any supporting documentation related to the disputed accounts. Thank you for your attention to this matter. I look forward to a prompt resolution and the restoration of accurate information in my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I noticed inquiries on my credit report that I did not authorize nor have any knowledge of. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

The collection account is not mine. I have no knowledge of this account nor have authorized anyone to use any of my personal information. This is a fraudulent account.
Product: Debt collection

XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX South Carolina XXXX Prince Parker and Association Subject : Debt Verification Request for Account in the name of XXXX XXXX Tax Payer Number ending in XXXX XXXX XXXX XXXX XXXX Account Dear Prince Parker and Association I am writing to request verification of the debt associated with the account in the name of XXXX XXXX tax payer number XXXX, as listed on the consumer report. I have not authorized the inclusion of this information, and I have no record of doing business with your agency. 

In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), I request the following information to verify the legitimacy of the alleged debt : An official affidavit of debt pertaining to the account in question. 
A bill of sale confirming the transfer of this debt to your agency. 
Detailed accounting records showing the calculation of the owed amount. 
Documentation proving your ownership and purchase of this debt. 
Evidence establishing your agency as the original due holder in the course of this debt. 
Any contracts or agreements that bind me to this debt to you. 
Furthermore, I request access to my complete accounting records from the time the account was opened until now showing I owe you. This is essential to verify the accuracy and validity of the claimed debt. 

Please provide the requested information within 30 days from the date of this letter. Failure to do so may result in legal action to protect my rights. 

Sincerely, XXXX ; XXXX registered owner of XXXX XXXX property of the XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account  # XXXX, XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXXXXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States 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
Product: Mortgage

I paid all but XXXX XXXX on my mortgage but sps has not applied the payment to the balance. I have called and spent hours on the phone and in the end of the conversation they say just call back in a couple of days.
Product: Debt collection

Debt was originally incurred in XXXX or earlier over 14 years ago. This collection agency claims they acquired the debt in XXXX at which time the debt would have been over 10 years old. Statute of limitations has expired. I do not owe this debt to Citi Bank!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> :
Product: Debt collection

XXXX and Crosstown Law LLC, continues to try and collect a debt that not only do I not owe but I 've never had a XXXX account. XXXX themselves has verbally told me that there 's nothing in there system showing I 've ever had an account with them. 

XXXX can not validate the debt according to the FDCPA Law 15 USC 1692g, Section 809 ( b ) Validating Debts.
Product: Mortgage

I declared bankruptcy ( XXXX ) in XXXX XXXX and re-affirmed my loan with XXXX XXXX. XXXX reported my payments as " current '' which was correct. The issue came up when XXXX transferred my loan to Green Tree as of XXXX XXXX. XXXX failed to report my loan as " re-affirmed '' and this error was duplicated by Green Tree. As of XXXX XXXX Green Tree still continued to show my loan as in bankruptcy despite the loan being re-affirmed and the bankruptcy being discharged in XXXX XXXX. Green Tree also showed late payments in its XXXX report to the credit agencies which was not correct. I wrote Green Tree on XXXX XXXX, XXXX when i became aware of this. Green Tree sent me a letter dated XXXX/XXXX/XXXX where in they decided to delete the loan from any credit agency reports. The loan exists and instead of correcting the error they simply deleted the loan from all XXXX credit agencies. I checked my credit report with XXXX today and sure enough, there is NO Green Tree mortgage. So now the XXXX XXXX is still reported with last activity XXXX which is a mistake AND there is no note that shows a transfer to Green Tree because Green Tree simply deleted the entire loan account.