23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have received two letters from XXXX XXXX concerning {$1600.00} of debt that I allegedly owed. The last of these letters was sent on XX/XX/2023. I had no idea where this debt came from. My wife called the number provided by XXXX XXXX to inquire on XX/XX/2023. They told her the name of the person who had taken on the debt, when purchases were made, and what payments he made, as well as the person 's address and phone number. This debt came from " Uplift '' and was through XXXX XXXX. At least one charge was made on a XXXX XXXX XXXX. I have never been on a XXXX XXXX, much less opened a credit card through them. The address provided to us was of the house I lived in when in 8th grade ( 28 years ago ). It seems that one of these companies found my name as connected with that house and then started sending me these notifications. The person my wife talked to did not know how my name was attached to the debt. 

The same day, I called XXXX XXXX to file a complaint. I tried to ascertain from the call person how my name became connected with this debt. He said that the man probably somehow got my social security number and address and opened an account. ( This does not make much sense, as he made 4 payments on the debt. ) We were able to dispute the debt.
Product: Debt collection

Collection Bureau of America is reporting an incorrect amount. I have contacted them numerous times to pay the debt that is owed ; however, they want to charge additional fees and refuse to work with me to resolve the matter and remove the negative remarks from my credit profile.
Product: Debt collection

Under Texas XXXX XXXX XXXX for debt validation I have had my rights as a Texas consumer violated and ignored. I sent Americollect Collection Agencya debt validation letter to confirm this debt is mine and they ignored my request. Under the current law,30 days should be enough time to validate such requests. I mailed the above named company XXXX letter on XXXX/XXXX/15, they received and signed for the letter on XXXX/XXXX/15. They violated my request in 2 ways. 1, for ignoring my request, and 2, for continued attempt to collect on this debt by actively reporting to the XXXX major Credit Bureaus XXXX There is plenty of supporting case law to back this claim up, that actively reporting to the bureau 's is in deed a form of debt collection. I have not received any info from this collection agency to prove I owe this debt. I find it malicious, and I feel I have been taking advantage of by Americollect Collection Agency and I would like this collection removed and deleted from all XXXX credit bureau 's. I have uploaded supporting documents to help prove my case. Thank you
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : DPT EDXXXX Account Number : XXXX DPT EDXXXX Account Number : XXXX DPT ED/AIDV Account Number : XXXX DPT EDXXXX Account Number : XXXX DPT ED/XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports. Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report I have recently entered into the loss mitigation program my mortgage company XXXX XXXX XXXX related hardship, including a payment forbearance program made pursuant to the Coronavirus Economic Stabilization Act, section 4022 ( 15 U.S.C. 9056 ) ; it also includes, without limitation, all other principal and interest payments that are due and unpaid by a borrower experiencing XXXX related hardship. For purposes of this paragraph ( c ) ( XXXX ) ( v ) ( A ) ( XXXX ), the term of the mortgage loan means the term of the mortgage loan according to the obligation between the parties in effect when the borrower is offered the loss mitigation option. ( XXXX ) Any amounts that the borrower may delay paying as described in paragraph ( c ) ( XXXX ) ( v ) ( A ) ( XXXX ) of this section do not accrue interest ; the servicer does not charge any fee in connection with the loss mitigation option ; and the servicer waives all existing late charges, penalties, stop payment fees, or similar charges promptly upon the borrowers acceptance of the loss mitigation option. ( XXXX ) The borrowers acceptance of an offer made pursuant to paragraph ( c ) ( XXXX ) ( v ) ( A ) of this section ends any preexisting delinquency on the mortgage loan. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under 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

I am notifying you about my identity theft in my letter of complaint since I was a victim of it. I've discovered that some of the account included on my credit report is either not mine or was opened without my knowledge. I need your help to remove this account from my report. Any account referenced in an identity theft report must be blocked by the credit bureau, according to FCRA section 605b. I've included a few documents to help in the effort to stop the submission of false information on my report. XXXX XXXX Balance Owed : {$26000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The following dates and card accounts were applied for without my knowledge, this has caused a major hardship in my life. 
XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX/XXXX XX/XX/2019 XXXX XXXXXXXX/XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX/XXXX  XXXX XX/XX/2019 XXXX  XX/XX/2019
Product: Checking or savings account

I have 2 major complaints. First, for the last few weeks, American Express has been adding XXXX % to retail purchases, whether made on line, or in person at a retail store. 
This is being done by their Bluebird checking account / debit card division. It puts excess personal funds on hold above and beyond the amount of the charge that diminishes, sometimes substantially based on the amount of said type charges, the available funds in my checking account. It remains as such until the charge clears the American Express Bank from the retailer. That's the first complaint. The second complaint involves the Bluebird division of American Express holding credits from retail establishments for 8 days before allowing me to have the money fully available in my account. What is the precedent for this? I will attach a screenshot of this very unethical policy, which I can only assume is geared toward them making money, for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lending Club Corp XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX My Wife and I had an unsecured loan opened on XX/XX/XXXX, for {$4300.00}. 
In XXXX of XXXX, my wife and I filed for Wisconsin XXXX XXXX, Voluntary Amortization of Debts, and were granted a Debt Repayment Plan from The XXXX XXXX XXXX XXXX XXXX, State of Wisconsin. 
In XXXX of XXXX, our repayment plan was finished, and The Court ordered our plan completed, paid in full, and dismissed. 
This creditor continues to report to all three of the credit bureaus negative information, and that I have a past due balance. 
In XXXX, XXXX, and XXXX they reported nothing to the bureaus, then in XXXX of XXXX they started to report negatively again. 
This negative reporting continues to cost me thousands of dollars in interest and fees and is fraudulent because I have the documents from the court that say they were paid in full. They are maliciously reporting to the credit bureaus to continue to keep my credit scores extremely poor. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX My Wife and I had an unsecured loan opened on XX/XX/XXXX, for {$10000.00}. 
In XXXX of XXXX, my wife and I filed for Wisconsin XXXX XXXX, Voluntary Amortization of Debts, and were granted a Debt Repayment Plan from The XXXX XXXX XXXX XXXX XXXX, State of Wisconsin. 
In XXXX of XXXX, our repayment plan was finished, and The Court ordered our plan completed, paid in full, and dismissed. 
This creditor continues to report to all three of the credit bureaus negative information. 
In XXXX, XXXX, and XXXX they reported nothing to the bureaus, then in XXXX of XXXX they started to report negatively again. 
This negative reporting continues to cost me thousands of dollars in interest and fees and is fraudulent because I have the documents from the court that say they were paid in full. They are maliciously reporting to the credit bureaus to continue to keep my credit scores extremely poor.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 a letter was sent directly to CB Indigo and FEB Destiny. These companies are also known as XXXXXXXX XXXX XXXX XXXX The reason I originally contacted them is that I have two new collections from the same company. Now I have a total of 4 negative accounts which should at best only be 2 accounts. I requested a second time and was closed immediately and no resolution nor a response on why it was denied. In the end, I am requesting the removal of account CB Indigo and FEB Destiny because they are already being collected from a third party
Product: Mortgage

I received an unsolicited letter that both envelope and letter were made to look as if it were a letter from the VA. No rate disclosure was attached. The phone number header stated : " VA Loan Service Center '', The letter heading stated : " VA Benefits Department ''. The letter also made mention of " tax Free '' options.
Product: Mortgage

I have had a GreenTree loan on a mobile home for XXXX years. It was our only option we could find at the time as newly wed first time buyers. Our original loan was for approximately {$60000.00} and was written for XXXX years at 10.5 %. I now still owe XXXX on a XXXX old mobile home that has no refinance value. 
For reference, I am not behind on payments and have good credit ( XXXX beacon ). I feel very taken advantage of as a XXXXyr old first time buyer. I have paid well over {$100000.00} so far and will have paid over {$200000.00} by the time we complete our loan. I understand the cost of financing but feel this is beyond excessive. Dose this not fall into a predatory lending category? I feel like we have more then paid our debt and more then compensated GreenTree for their help getting some kids started XX/XX/XXXX. Enough is enough.
Product: Credit reporting or other personal consumer reports

I found inaccurate information in PORTFOLIO RECOVERY. I tried to fix the issues by sending them a letter through the mail ; however, I was not satisfied with the results. 
The accounts were not verified. Inaccurate information, such as payment status, payment history, date opened, and date of late payments are still being reported. My rights were violated according to 15 U.S.C. Section 602, I have the right to privacy, and 15 U.S.C Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. I have also attached the FTC report with the report number XXXX
Product: Debt collection

On Friday, XX/XX/XXXX, I received a ( paper ) letter in the mail from " XXXX XXXX XXXX. '', indicating to me that they are a collections company working on behalf of " Creditor : XXXX, XXXX '' to collect an " Amount Owed : {$2200.00} ''. The letter indicated that they have or will cancel my XXXX account unless I contact them and pay off the full amount or make payment arrangements. 

Immediately, I checked my XXXX activity and balance and found no record of this supposed debt, and the account numbers listed on this paper do not match the account ID information I have for my XXXX account. 

At about XXXX on XX/XX/XXXX, I called and spoke to a XXXX customer service representative who informed me this was not a legitimate letter or notice from XXXX and that my XXXX account is proper and in good standing. He instructed me to take photos of the image and e-mail them, along with an explanation, to XXXX, who I understand to be the fraud review department. 

I am deeply concerned about the content of this letter and its ' legitimacy. I have a very active XXXX account that I use for my business and personal needs ; I can not afford for this matter to end up on my credit reports and reduce my overall credit score. I am eager to pursue whatever means are necessary to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing and are not getting a timely response and I need answers because the account listed is NOT mine or you dont recall it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple Inquiries on my credit report ( Transunion, XXXX, XXXX ), without my permission and Pursuant to 15 USC 1681n I am entitled {$1000.00} for each inquiry per 15 USC 1681n.

15 USC 1681N ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

( c ) Attorneys fees Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper.

( d ) Clarification of willful noncompliance For the purposes of this section, any person who printed an expiration date on any receipt provided to a consumer cardholder at a point of sale or transaction between XX/XX/XXXX, and XX/XX/XXXX, but otherwise complied with the requirements of section 1681c ( g ) of this title for such receipt shall not be in willful noncompliance with section 1681c ( g ) of this title by reason of printing such expiration date on the receipt.

( Pub. L. 90321, title VI, 616, as added Pub. L. 91508, title VI, 601, Oct. 26, 1970, 84 Stat. 1134 ; amended Pub. L. 104208, div. A, title II, 2412 ( a ) ( c ), ( e ) ( 1 ), Sept. 30, 1996, 110 Stat. 3009446 ; Pub. L. 110241, 3 ( a ), June 3, 2008, 122 Stat. 1566. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing with Trans Union the following Unauthorized / Unknown collection account that showed up on my credit report. I have already have an extended fraud alert placed on my Trans Union Credit report so there should be no excuse as to why this  collection account unknowingly hit my report without my consent of proving the account belongs to me. This account reporting to my credit report go against the Fair Credit Reporting Act and is affecting my ability to hold a job and get approved for a home mortage. I have also reached out to the collection agency and have attached a filed Identify Theft Police Report to this compliant in order to get this issue resolved in a timely fashion. Below are the reporting Inquiries that should be Removed / Deleted from my Trans Union credit report. Should you need any additional information please let me know.

Reporting Collection Account : 1 ) XXXX XXXX XXXX XXXX Account # : XXXX Account Status : Open Payment Status : Unknown Balance : {$2600.00} Trans Union Attn : IDENTITY THEFT DEPARTMENT XXXX XXXX XXXX XXXX   XXXX, PA. XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the Experian credit reporting agency, and you the XXXX reporting agency , XXXX credit reporting agency block information appearing on my consumer report that is the result of fraud and identity theft within 4 days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit cards and Auto loan accounts opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit reports maintained by you which show the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquiries as reported. The aforementioned accounts collections and hard inquiries appearing on my consumer report maintained by you were not opened made or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a cop of FTC Identity Theft as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts collections and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against TransUnion for failing to properly investigate consumer disputes. This issue has had a significant adverse impact on my credit file, resulting in substantial financial losses due to higher interest rates. 

In XX/XX/year>, I identified inaccuracies in my credit report. I promptly disputed these errors with TransUnion, providing all necessary documentation to support my claims. Despite my efforts, the disputed information remained unchanged on my credit report. 

The CFPBs lawsuit highlights that TransUnion has been conducting sham investigations into consumer disputes, failing to take sufficient steps to process and investigate these disputes properly. This negligence has led to the inclusion of incorrect information on credit reports, adversely affecting consumers financial standing. 

As a result of these unresolved inaccuracies, my credit score was significantly lowered, leading to higher interest rates on loans and credit products. Over the past several months, I estimate that I have incurred exponential additional costs due to these elevated interest rates. 

I urge TransUnion to take immediate corrective action by thoroughly investigating my dispute and rectifying the inaccuracies in my credit report. Additionally, I request compensation for the financial losses I have suffered as a direct result of these reporting errors. 

Accurate credit reporting is essential for consumers to access fair financial opportunities. The failure to conduct proper dispute investigations undermines this principle and causes undue financial hardship. 

I look forward to your prompt response and resolution of this matter.
Product: Payday loan, title loan, or personal loan

XXXX XXXX aka TD Bank allowed an unknown individual to open an account in my name to purchase two XXXX XXXX XXXX XXXX cellphones with a credit limit of {$4200.00} on XX/XX/19. I have disputed this with XXXX XXXX/TD Bank, as well as XXXX, XXXX and XXXX. XXXX and XXXX deemed this " information accurate ''. 

This is a FRAUDULENT PURCHASE in the amount of {$1700.00} that two credit bureaus apparently say is valid and XXXX XXXX says will take 90 days to resolve?? 

I can provide report numbers and documentation that prove I disputed this fraudulent activity. I can also provide the statement from XXXX XXXX mailed to my home showing the detailed account information. I called XXXX XXXX/TD Bank XX/XX/19 when I received the statement to report fraud and was informed in a non caring tone that the account is frozen and I 'should ' receive a follow up from their fraud department which takes 90 days. They will not disclose to me how they allowed someone to buy these cellphones under my name fraudulently on XX/XX/19.
Product: Checking or savings account

I attempted to transfer funds from my M & T Bank Checking account to my accounts at XXXX XXXX and XXXX between XX/XX/2020 and XX/XX/2020. 

On XX/XX/2020, I logged online to check the status and the system informed me that my access was suspended. 

I contacted customer service at XXXX eastern time on XX/XX/2020 and spoke with XXXX, and supervisor XXXX. 

They informed me that M & T blocked the transfer, and is demanding that I provide them with full, unredacted copies of bank statements for the other banks in order to unlock my account. 

I offered to provide them the statements with the transaction details redacted, however their customer service supervisor, XXXX, refused and stated that M & T will not unlock my ability to complete external transfers unless I send in these statements. 

I consider this a major privacy violation and will not send those statements in unless I am able to redact my personal transaction information for other banks.
Product: Credit reporting or other personal consumer reports

Someone has used my personal information to open 1 loan and 1 credit card under my name which are now reporting on my credit. I do not know who used my information but these accounts are unauthorized and were not opened by me. They must be removed from my XXXX, XXXX, and Equifax credit reports! 

The following listed accounts have been opened using my personal information without my authorization : XXXX XXXX XXXX XXXX {$15000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$25000.00}