23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have perfect credit and credit monitoring and I do not have any collections nor have I ever had anything in my life go to collections. 

Starting on XX/XX/2018 I have received 15 phone calls I can document from the following phone numbers : XXXX, XXXX, XXXX. When I call those numbers back it, sometimes, connects me to Halstead Financial in IL. I contacted Halstead and told them to stop calling me as they have the wrong person. I spoke to a supervisor, XXXX and his manager XXXX. I did not get last names. XXXX gave me his number of XXXX but it does not connect. I filled out a request to stop calling me on their web-site as well. They continue to call me.
Product: Credit card

XXXX XXXX and its credit card provider US Bank recently engaged in a " bait and switch '' tactic which lured me ( and other ) customers to sign-up for their XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( requiring a {$75.00} fee ) by promising a benefit which they then replaced by a significantly lesser benefit within XXXX days. XXXX XXXX recently removed their much-touted benefit of a bonus night on award stays. This benefit was clearly advertised as " BONUS AWARD NIGHT EXCLUSIVELY FOR CARD MEMBERS & ENJOY THE BENEFIT AFTER PAYING {$75.00} ANNUAL MEMBERSHIP FEE ''. Based on this _promise_, I paid the membership fee ( {$75.00} ) on XXXX XXXX, 2015 and met all spending requirements. XXXX XXXX announced it was rescinding the promised bonus award night and replacing it with a different award worth significantly less. In addition to the membership fee, my credit rating was diminished due to the hard credit inquiry imposed by US Bank. All of this occurred within a time period that made it impossible to gain the originally promised award bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS IN REFERENCE TO MY ORIGINAL COMPLAINT WITH XXXX XXXX # XXXX, I am appealing their decision based on the letter I received yesterday from them.. 

I '' m attaching documents that is already received by XXXX XXXX but am emphasizing details on the documents. I do understand I 've submitted +2000 pages if not more to XXXX XXXX and it 's not easy to follow. 

All complaints I 've submitted to the CFPB which are stated below are all connected and related to my Identity theft which originated in XXXX XXXX or XXXX, ia XXXX. Which the 3 financial institutions in XXXX are XXXXXXXX XXXX, XXXX, and XXXX XXXX, and all are still pending an open investigation by the FBI and SEC. 

I '' m restating that all cases or investigation can not be closed until FBI and SEC Concludes their investigation into my Identity theft which started in XXXX and is still continuing to this day. 


XXXX ) XXXX XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX ) XXXX XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Product : Student loan XXXX ) XXXX XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX XXXX ) XXXXXXXX XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX ) XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX ) XXXX BANK Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX ) XXXX XXXX  XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX XXXX ) XXXX XXXX  Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX ) XXXX XXXX Complaint number XXXX Date XXXX XXXX ) XXXX XXXX Complaint number ; XXXX Date submitted to CFPB : XXXX XXXX ) XXXX XXXX  Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX ) XXXX XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXXOPEN Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX XXXX Balance Owed : {$5700.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$590.00} DP OF XXXX XXXX Balance Owed : {$3900.00} XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} DP OF EDUC XXXX Balance Owed : {$6200.00} XXXX  XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I accidentally paid my credit card bill to American Express too early and now I'm struggling to make the next billing period min payment becasue of that. I asked them to credit the additional payment towards the next billing cycle and they said it's not possible. I made the min payment due for the XXXX payment. But then I paid an additional {$4000.00} on XX/XX/year> which applied as an additional payment for the XXXX payment. So it was above and beyond the min due. I asked them to put this {$4000.00} towards the XXXX payment since it was a much larger payment, {$7200.00} and they said it's not possible. Without crediting that {$4000.00} I can not make the min payment due. It seems like a fairly easily resolution to help a customer with payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had numerous inaccurate names and addresses on my Experian credit report. I had 2 collection reports on my profile from the same company XXXX XXXX XXXX ( XXXX ). 
XXXX XXXX XXXX  and XXXX XXXX XXXX never sent me validation of debt under Fair Debt Collection Practices Act. XXXX XXXX XXXX did a hard inquiry without my permission.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : Wells Fargo Bank Acct # XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX This letter is my LAST request for you to remove your inaccurate and unverifiable accounts from my credit report. Once again, note that this is not a refusal to pay, but a notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

The following accounts remain unverified, even after multiple attempts to receive validation from you. I request that these accounts be immediately removed from my credit report with all credit bureaus that you report to : VANCE AND HUFFMAN LLC Furthermore, I believe I may have received telephone communication from your company even after I specifically requested to not be contacted by phone. As you know, this constitutes a violation of the FDCPA. I will be closely reviewing every call I've received from unknown numbers, but I am nearly certain these calls came from your company. 

According to the FTC, consumers can sue a collector in a state or federal court within one year of the date the FDCPA was violated. Consumers can sue for damages, like lost wages and medical bills. Even if a consumer can't actually prove damages, they can still be awarded up to {XXXX} plus reimbursement for attorney 's fees and court costs. A group of people suing as part of a class action lawsuit can even recover money for damages up to {XXXX}, or one percent of the collectors net worth, whichever amount is lower. 

Best Regards, XXXX XXXX XXXX
Product: Consumer Loan

My daughter wanted to purchase her first car on her own, but even though her credit score qualified, she did not have sufficient income, so I had to co-sign with her in order for her to purchase a car through DriveTime. The information presented during the financing of the vehicle was extremely misleading, because nowhere does it spell out that XXXX-XXXX % of your payments will ALWAYS go to interest, which means you will ALWAYS be upside down on your car loan. Our intention at the time of purchase was to get the car, pay on it for 12 months until she could qualify to finance on her own and then refinance it to remove my name. That will never happen because of the way that they setup the payments and interest. This should be not allowed. These people take major advantage of folks and then leave them hanging with no way out. Additionally, they consider you " delinquent '' on your payment if you are one day late, and no matter who you talk to and notify them of when you will be making the next payment, they call continuously and pretend they have no notes about your payment. Surely something can be done about these people!!!! This is ridiculous. Now my daughter qualifies for a loan on a brand new vehicle with more than one bank, but because of how the loan is structured with DriveTime there is no way for her to trade it in or refinance it. Her only way out is to let the car go back to DriveTime which would immediately ruin her credit that we have worked so hard to establish. These people are crooks!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX, and XXXX continue to deliberately report inaccurate and fraudulent accounts on my credit profile. I've submitted dispute letters as well as an FTC report to have this situation rectified. To no avail, the inaccuracies still remain. Under FCRA US 1681 b ( XXXX ) this is a complete and utter disregard of my rights and will be addressed in litigation if not verified, validated or deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX 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: Mortgage

From the start of the loan process or about 35-40 days ago I was given an amount of about {$5000.00} and they even waived the {$500.00} processing fee only to find out from the disclosures that it's over {$10000.00} and was told once I signed the final disclosure documents which I did that my XXXX would begin. After this I continued to receive request for reason to delay the closing. I requested the loan money to update my house and pay off debt. This process has taken over 2 months and has worsening my credit score.
Product: Credit card

On XX/XX/2023, I received an Alert from my XXXX account that the credit limit on my Home Depot credit card ( THD ) had been decreased from {$5000.00} to {$2500.00}. I called the number provided in the alert, XXXX, which was to CBNA, ( CITI Bank ) on XX/XX/2023, and they could give me no information as to why my credit limit was decreased. I then called The HomeDepot customer service number to complain and request a reason for this decrease. My Home Depot credit card was dormant and they could not give me a reason for the decrease. I was very upset to learn that my Credit Score went from XXXX to XXXX. I have not been late in paying back my monthly credit card bills. I asked Home Depot to increase my credit limit back to {$5000.00}, which they did, only because I wanted my Credit Score to go back to XXXX. I even made a purchase of {$4.00} on my Home Depot credit card. On XX/XX/2023, I complained to the Home Depot customer service that it was unfair that CITI Bank decreased my credit limit. When I never received a reply from CITI Bank, I called Home Depot Customer service again. On XX/XX/2023 I received an email from CITI Bank which said they dont discriminate but gave me no reason for the decrease. On XX/XX/2023 I received a Voicemail from CITI saying they will respond to me in writing. CITI had no reason to decrease my credit. It was unfair and caused my Credit Score to drop to XXXX. While XXXX is still an excellent Credit Score, they had no reason to decrease my Home Depot credit limit in the first place. CITI gave me no notice of their intentions. By decreasing my credit limit, I feel they implied that I wasnt a good credit risk. CITI should not be allowed to engage in such practices.
Product: Debt collection

XX/XX/2020 I sent a certified letter to XXXX XXXX XXXX XXXX XXXX ) at XXXX XXXX  XXXX XXXX, CA XXXX for a validation of a debt I allegedly owe in the amount of {$670.00}. I received a response back from XXXX that did not provide me the with the information, I had requested from XXXX which is outlined in FDCPA 15 U.S.C 1692g. In addition to this there are other violations XXXX and Experian is committing. When I sent the notification of dispute to Experian and XXXX that account was " Not Marked as Dispute ''. This is required under 15 U.S.C 1692e ( 8 ) and 15 U.S.C 1681s-2 ( B ) ( 3 ). Also, from my understanding the Metro 2 is the agreed upon Industry Standard that supposedly provides a more accurate way of reporting to ensure the " Maximum possible accuracy ''. If this is the case, then why is XXXX XXXX Account XXXX redacted? XXXX. The way that this is being reported could be any of many numbers associated to any account, which could be a mixed and merge account of anyone. This account also, fails to report the Date of First Delinquency, Date of Last Payment, and Date Closed. This is not only incomplete and inaccurate reporting but an act of defamation. I'm providing documentation to help make it easy to see my complaint.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, Equifax data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following accounts XXXX XXXX XXXX XXXXXX/XX/year>, XXXX XXXX XXXX : Account number : XXXX, XXXX XXXX XXXX : Account number : XXXX, XXXX XXXX XXXX : Account number : XXXX, XXXX  | XX/XX/year>, XXXX | XX/XX/year>, XXXX XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX : Account number : XXXX, XXXX : Account number : XXXX, XXXX | XX/XX/year>, XXXX | XX/XX/year>, XXXX : Account number : XXXX, XXXX | XX/XX/year>, XXXX XXXX XXXX | XX/XX/year>, XXXX XXXX XXXX | XX/XX/year>, XXXX | XX/XX/year>, XXXXXXXX XXXX XXXX  : Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, and ( Original XXXX  ) : Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTIANED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EQUIFAX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A COPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$510.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$650.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

Received call on Tuesday, XX/XX/2023 at XXXX from phone number : XXXX. I took the call and only said hello. They asked for XXXX XXXX ( my name ) and said I confirmed I was him. They mentioned my address and asked me to confirm. I asked who they were, they said CBE Group. I told them I am unaware of who they are and they said that is why we are wanting to confirm your information. I XXXX them while on the call and saw they were debit collectors. Any outstanding debts I have, I am on payment plans and have been making them on time. I have received no collection notices in the mail. I told them I am unaware of who you are, so I am ending this call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Policy canceled and credit was supposed to be sent to me. Shouldn't be on my credit reports. It needs to be removed.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX  XXXX Balance Owed : {$5700.00} XXXX XXXX XXXX XXXX Owed : {$2200.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : {$11000.00} XXXXXXXX XXXX XXXX Balance Owed : {$19000.00} XXXXXXXX XXXX XXXX  Balance Owed : {$5700.00} XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Equifax non-reporting of a XXXX  of my accounts is severely damaging my EQUIFAX credit score. I have been denied credit because of their non-reporting.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on my previous complaint : XXXX, I listed two account from XXXX XXXX that were showing on my report. One was deleted but XXXX XXXX Account : # XXXX is still showing on my report. 

I believe this my have happened because I incorrectly uploaded the same picture twice. 

I am a normal consumer while this may have been a simple mistake on part by uploading the same picture twice... ..My complaint clearly stated that I want both account deleted from my credit report.

If I must reiterate the laws again : 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 an account without my written instructions 15 U.S.C. 1681i - procedures in case of disputed accuracy also states that if after an reinvestigation an item is found to be inaccurate, incomplete, or can not be verified the consumer reporting agency SHALL PROMPTLY delete that item of information. With the attached recent updates of my credit reports, there are several inconsistencies on my credit report that show a proper investigation was not conducted. 

I do expect full cooperation since the first account was deleted. However the laziness of the credit bureau and obvious concern for themselves and NOT for me the consumer is alarming. 

And if this account is not removed I will take the appropriated steps thereafter.
Product: Money transfer, virtual currency, or money service

So I bought an item and paid through paypal family & friends. The seller is from XXXX so the money currency had to change so it was around XXXX euros. The seller said to have shipped it the same day I paid for it which was XX/XX/2019, but it has been a month since and I still have not received the package. I tried getting in contact with the seller through email provided on paypal, but it was invalid. I tried contacting them through the social media i found them on which was on twitter which it got suspended. Now i have no way in contacting them and cant get a refund. This seems to me as a scam, but before i paid the seller they provided me screenshots as proofs of other buyers who have bought to them, but when i looked back on our messages because their account was suspended the pictures have disappeared. I even tried contacting them about the iteme i bought before their account was suspended yet no messages. Their account seem to have been suspended recently..