23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I would like to file a complaint with XXXX XXXX XXXX XXXX XXXX for Using Unfair Debt collection practices. 15 U.S. Code 1692, Consumer was never properly given 5 day notice, nor a chance to communicate if a debt was disputed or paid. 2. XXXX XXXX XXXX, has not proved or validated if they have ever had entered or have a contract with the consumer, there is no proof of original contract agreement, nor consumers signature, no proof of full account number. 

XXXX XXXX XXXX has performed Unfair Practices 15 USC 1692f Debt collectors may not harass or annoy debtors, may not threaten legal action. XXXX XXXX XXXX has used false and deceptive, and or misleading representation or means in connection of debt. XXXX XXXX XXXX XXXX XXXX has Disclosed my personal information with others to falsify a bad reputation of Consumer XXXX XXXX. XXXX XXXX XXXX XXXX XXXX has used false representation of the character and or legal status. XXXX XXXX XXXX has never entered into any agreement with XXXX XXXX. XXXX has proof of this, further more the entire 15 USC 1692 Of Unfair Debt collection practices has been performed by XXXX XXXX XXXX And Citi Bank , N.A . Citi Bank may have committed tax fraud.
Product: Credit card or prepaid card

I urge you to expedite the update of my account as I have always made payments on time. The current situation is causing me a great deal of distress and XXXX.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. Im reaching out because I recently discovered that a company has pulled my credit without my permission. I want to make it clear that I never authorized these inquiries, and I consider them both unauthorized and fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

An installment loan with incorrect information is in the possession of this company. This account is fraudulent. This fraudulent information has remained on my credit report for years. I have tried numerous times to resolve this matter amicably with XXXX. I requested documentation to validate that this account was personally done by me and never received any information about it - not from XXXX, or the bureaus. My address on the account is even wrong, I have never received any mail from the address that XXXX has on file. I have even mailed in letters to XXXX and have never received a response, I am literally being ignored by this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Title 15 Chapter 41 Subchapter III : ( 15 USC 1681b ( 4 ) ) Permissible purpose. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. 
I look forward to your response.
Product: Credit card or prepaid card

Macy 's credit card. On XX/XX/XXXX I reported XXXX fraudulent orders from Macys.com which were charged to my Macy 's credit card. On XX/XX/XXXX I reported these fraudulent charges via phone with XXXX XXXX XXXX department. XXXX 's cancelled XXXX of the charges and did not ship it. The second charge order number XXXX they shipped on XX/XX/XXXX. I called Macy 's again on XX/XX/XXXX to tell them they shipped the fraudulent order to a fraudulent address and I was told the XXXX charge would not appear on my bill. Macy 's mailed me a new credit card. On XX/XX/XXXX, I received a bill from Macy 's in the amount of XXXX. I called them on XX/XX/XXXX at XXXXXXXX XXXX and spoke with XXXX to file a formal complaint. He would not tell me their bank regulator name or consumer protection agency name. I requested that no more bills be sent to me and to close my account. I did not receive email confirmation of either as requested. I did not receive email confirmation of my formal complaint as requested. XXXX disconnected the conversation and did not call me back. On XX/XX/XXXX I received another bill from Macy 's which includes the XXXX charge, a late fee of XXXX and interest of XXXX. I want written confirmation of a XXXX balance and written confirmation that my account is closed. I want confirmation that any adverse credit reporting regarding a past due bill has been corrected.
Product: Credit reporting or other personal consumer reports

I want to file this complaint with EXPERIAN. I sent them letters regarding the inaccuracies in my report such as date of last activity, date opened, date reported, status, etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction. I have also attached the FTC report with the report number XXXX.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax continue to violate federal consumer protection laws set in place to govern these companies. I did not give permission for either consumer agency to provide me with the service they provide. Therefore gathering my allege financial history with XXXXXXXX XXXX and incorrectly claiming they have verified the information is a violation of my rights. If you have done a reasonable investigation then you should be able to provide me with proof that you did see documents or talk to someone with first hand knowledge to attest to this information you are reporting. Either way I do not give you authority to report this account and you should not have access to it as its private and releasing it in such a public manner puts me at risk of data breaches.
Product: Payday loan, title loan, personal loan, or advance loan

I have been a member of Lendly since XX/XX/XXXX the payments have been taken out of my paycheck. I have never missed a payment with lendly in XXXX of XXXX i refinanced my payments have been sucessful no missed payments in XXXX of XXXX i refinance my lendly loan my payments were {$71.00} every week my payments have been sucessful. Recently i have had expenses that have increased. the {$71.00} have been taking a huge chunk out of my paycheck. in total i have made XXXX payments towards this loan. I would like to settle the account for what i have paid and close lendly. i am struggling to make ends meet and i am on a fixed income barely making it I look forward to a resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

During 2017, i was XXXX and and my mail and credit data was stolen. I reached out to XXXX and police reports. The account # XXXX ending in XXXX was not removed from XXXX and XXXX and was removed from Transunion. After nearly 3 years of trying to remove this single item from my reports I contacted XXXX and informed them i didtnt open this account and suspected it to be my ex wife or someone with access to my account or info. I paid the balance hoping this would resolve the issue. XXXX is reporting that they never recieved payment and have listed late payments and degratory info to the credit reporting which is 100 false. They have not provided that is was fraud and even further I assisted in tryign to pay the settle balance of the account.
Product: Debt collection

Billing Department Alliant Capital Management XXXX  Phone : XXXX Fax : XXXX This company harassed, bullied, tried to intimidate me, and threatened me XX/XX/19. I have no idea who they are. They said I worked for XXXX, I never worked for them. I said I am XXXX. They said they will report me to XXXX. Said I can't double dip. I have no idea what they are talking about. My case is on appeal. I am not receiving anything yet. Basically, all the things he said was not true, and he was not listening to me.
Product: Mortgage

I have been fighting for my home for 8 years now. It all started off with predatory Lending.From XXXX In XX/XX/XXXX I made XXXX and was approved for XXXX loan which I did not see the money. then in XX/XX/XXXX I received a foreclosure notice. I file for bankruptcy in XX/XX/XXXX until XX/XX/XXXX. then I lost my job. ( From XX/XX/XXXX until XX/XX/XXXX my bankruptcy attorney and XXXX Attorney took my house payment they said in " Good Faith ) Then in XX/XX/XXXX I found out they had sold my house to a new lender ( XXXX ) then in XX/XX/XXXX when XXXX tried to evict me and the judge told them they could not evict me because they had sold my home while I was in a stipulation to stay in chapter XXXX bankruptcy. I recieved a Quit Claim Deed and the house was transferred to me for XXXX ( XXXX ) amount. then when I went after XXXX in Federal Court they could not prove ownership ( and neither could XXXX ) my case was dismissed with Prejudice ) and I Remained in my home. In the county Records it states that the home is mine XXXX transferred it to me. Now their is Wilmington trust and XXXX that claim they are to new own and is the note holder the problem with this is there is two different NOTE and the DEED OF TRUST that they have states pay without prevision to XXXX. now Wilmington Trust and XXXX is trying to take my home through Summary Judgement. And they are not a trust connected to my home. The loan number does match and a XXXX for Wilmington Trust stated to me that 'They are the Big Bad XXXX Boys From California and they will get my home '' Im sure that Wilmington Trust has been hit with all kind of housing, deeds and Note fraud. I just want someone to hear me.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased a Vanilla Gift Card for the amount of {$500.00} ( total of {$500.00} ). A few weeks later I gifted it to my sister to help her with her moving expenses. She then tried to use the card a few weeks after where she realized that the card has only a few dollars left in it. This was the first time she opened the card and tried to use it. Then she checked online for the balance and realized that the card has been previously used. Checking online we realized that someone had used this card on XXXX and made multiple purchases from XXXX and XXXX and now there is only {$2.00} left in it. 
Neither myself nor my sister have ever opened or activated this card before that day ( XX/XX/XXXX ). 
I contacted Vanilla customer service immediately on XX/XX/XXXX and opened a claim ( case ID XXXX ). I was told that someone will contact me within a few days but no one did. I contacted the support and they said I need to wait for 90 days. I waited for more than 90 days and then followed again, they escalated my case and told me that someone would contact me within 48-72 hours but no one did. I followed up 3 times like this and got the same answer and no one ever responded. I also emailed them a few time with no response. It's been more than 5 months and I still have NO resolution. I emailed them a few times and told them that I would open a claim with consumer protection agencies if I hear no response from them. Again no response. At this point it is evidence that they are not trying to help me and are not responsive to the issue they caused me due to their low security product that has cost me {$500.00}. I really appreciate your support here as I am not sure what to do and how to get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I have a hard inquiry at XX/XX/XXXX from XXXX. I see it today for the first time in my record. 
And Ill se that I have incorrect ssn number in report that was from this inquiry. 
But I receive my ssn number XX/XX/XXXX And now because of this error I have hard inquiry that I didnt do. Incorrect ssn number in system.
Product: Debt collection

XXXX XXXX XXXX ( exact date unknown ), I submitted a formal request via Credit Control , LLC 's website XXXX XXXX XXXX XXXX XXXX seeking detailed information regarding a debt they are attempting to collect. Specifically, I requested the following : - The original amount of the debt ( initial balance owed to the original creditor ). 
- An itemized list of any payments made on the account, including dates and amounts. 
- A detailed breakdown of any interest, late fees, or other charges added since the debt was charged off.

- Verification of the debt, including documentation proving that the debt is mine, such as copies of the original agreement or contract with the creditor. 
- The name of the original creditor, along with written notification that Credit Control , LLC is either the owner of the debt or acting as an agent on behalf of the original creditor. 

Despite this, I received no acknowledgment or response from Credit Control, LLCnot even a confirmation that my request was received. 

On XX/XX/year>, I submitted a second request through their website. In response, I received an email stating, we are unable to locate an account with the information provided. I promptly replied to this email with the debts Reference Number, which XXXX XXXX had mailed to me previously, and requested the same detailed information for a third time. This email was sent to a valid address ( not a " no-reply '' address ), but they failed to respond. 

As a consumer, I am within my rights under the Fair Debt Collection Practices Act ( FDCPA ) to request this information, and Credit Control , LLC is required to provide it without delay. Their failure to respond appropriately or provide the requested documentation is a violation of the FDCPA and undermines my ability to verify or dispute the debt. 

I am filing this complaint because Credit Control , LLC has disregarded my lawful requests and neglected their responsibility to provide the required information.
Product: Mortgage

I purchased home in

XX/XX/XXXX. In the start of XX/XX/XXXX I tr
ied to remove PMI, had multiple attempts through calls and emails and never got a clear answer why I could not remove. 
In XX/XX/XXXX, Escrow statement sent, shortage, needed to pay in full {$3800.00} or it would be spread over 12 months combined with the increased new payment added {$630.00} each month. 
I have an excellent credit score and  trying to keep that integrity as well as maintain payments so I can live in my home. I find this 64 % increase unacceptable and hard to believe its legit. I have called, emailed and went to this lenders website. I have experienced " number not in use '' messages, extremely busy messages, and also 2 live calls resulting in being put on hold and promised when the supervisor is free they would call back, but never have. Recently, I have been sent automated emails on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all stating the same thing that they are waiting to hear from me. I did get a reply but that individual stated " I'm sorry that was an automatic email that's going out. They haven't turned them off yet. I am no longer originating loans for ( ), they are closing the XXXX office. You may want to go to XXXX for the lowest rates in your area right now ''. 
So I can't get in touch to discuss and now I question how accurate and legal this all is. I did XX/XX/XXXX payments to cover the shortage and new payment, but I would like this matter looking into and get some clarity on why such a dramatic change. Thank you.
Product: Credit reporting or other personal consumer reports

I have requested debt validation from Capital One of the alleged debt. Their response was asking for me to confirm my information. However, if this is my debt, it seems as if they should already have my information for the alleged debt.
Product: Credit card or prepaid card

In XX/XX/2021 my purse containing my XXXX debit card and other identity docs was stolen while I was in the midst of a mental health crisis. The individual was able to assume my identity and collect my unemployment benefits and open other fraudulent accounts in my name for a year while I was unable to properly look after my financial and personal matters due to struggling with XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX  XXXX. I did not have any support system or family so no one knew to check on my benefits and I was not of sound mind to process what needed to be done. I reported the fraudulent activity as soon as I was able once I got my mental health stable again and the right medicaitikn. I call BoA every day and no one will tell me anything. I submitted police reports, ID theft reports, I reported it to XXXX. I sent all the docs to bank of america but still no answers and no provisional credjt. I just want my money back.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX and TransUnion regarding the inaccurate reporting of a XXXX  on my credit report. I believe that both credit reporting agencies have violated my consumer rights by including false information that is damaging to my creditworthiness. 

Details of the Inaccuracy : Inaccuracy : Both XXXX and TransUnion are reporting a XXXX  on my credit report that does not belong to me. 
Explanation : Upon reviewing my credit report, I discovered that XXXX and TransUnion are inaccurately reporting a XXXX  that is not associated with my financial history. I have never filed for XXXX, and this erroneous information is having a detrimental impact on my credit score and overall financial well-being. 

Steps Taken to Address the Issue : I have taken the following steps to rectify the situation : Contacted XXXX and TransUnion : I have contacted both XXXX and TransUnion to dispute the inaccurate information through their dispute resolution processes. 
Documentation : I have provided supporting documentation, including my credit reports, identification, and any relevant proof that confirms the error. 
Despite my efforts, the inaccurate XXXX  information persists on my credit reports, and it is crucial that prompt action is taken to rectify this situation. 

Requested Actions : I kindly request the Consumer Financial Protection Bureau to investigate this matter and take the necessary actions to compel XXXX and TransUnion to correct the inaccurate reporting on my credit reports. 

Enclosed with this complaint, supporting documentation that may aid in your investigation. 

Thank you for your attention to this matter. I appreciate your assistance in resolving this issue and ensuring the accuracy of my credit 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 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 caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017 i have talked to a account representative at XXXX XXXXXXXX XXXX   over the phone before making payment in full for my credit card account, account number XXXX and had made an agreement to pay account only if account was deleted. I've made the payment in full and XXXX XXXXXXXX XXXX have failed to remove the negative item from my 3 credit report with XXXX, XXXX   and transunion. I've contacted and disputed them about this situation. multiple times with no solution. my report shows that my account has payment after charge off in which is double enrichment and is unlawful according to the fair credit act since they have already charged it off
Product: Credit card

Was checking my credit score and saw that there is a TARGET balance for {$200.00}. I have never had a TARGET credit or account. I called TARGET credit card department to verify if there was a open or closed account. There was account under my social security.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1500.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX ran a Hard Credit on my credit file. 

I did not apply or request any credit from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have on my credit file without my consent signature or any digital format of my signature. 

Copy of my drivers License number or a copy of my social security number was provided for XXXX XXXX XXXX XXXX this appears on my credit. 

IT also impacted my credit score for something I did not apply for in which was credit.
Product: Credit reporting or other personal consumer reports

Dear CFPB representatives, for weeks now I have disputed Empowers XXXX  reporting with the Credit Bureaus regarding my CLOSED ACCOUNT. On XX/XX/year>, my account was closed and my subscription with Empower was closed once I paid my line of credit off. Per my request, I wanted to close this account and no longer use Empower for a line of credit. I was sent an email the account was closed and I also emailed Empower regarding this. Empower continues to put comments that my account is still active and current on my dispute investigations. I want Empower to stop providing false inaccurate statements and update their records as well as my credit report status as closed. I have my bank statements to prove my paid off line of credit. Also, Empower is showing I had a high balance of {$200.00}, line of credit was {$170.00}. That was also inaccurate reporting. The {$3.00} was a charge for processing and ACH transaction fees. I paid all that was due. The additional {$3.00} should not be as part of the line of credit issued.