23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2019 a fraudulent account was opened in my name without my consent for a XXXX  XXXX credit card From Midland Credit MGMT in the total amount of {$6000.00}. I've made contact with the company and opened a dispute through XXXX. This debt is due to Fraudulent actions and Identity Theft i Want all collections to Cease And Desist!
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Product: Credit card or prepaid card

I am requesting that American Express honor the XXXX XXXX XXXX  sign up bonus for spending {$3000.00} in 3 months that was advertised when I signed up for this credit card. I spent over {$3000.00} in a month. I was told I was denied this sign up bonus due to opening and closing too many AMEX cards. That is absolutely incorrect as I only have 2 credit cards from American Express, both which are still active. I have credit cards from different issuers and use them depending on the situation ( travel card for travel expenses ). I have not and had no intention of closing these credit cards. I have spoken to representatives on the phone who said a " popup '' should have appeared when I applied for the card which would have told me I would not be eligible for this sign up bonus. A popup did NOT pop up stating so and if it did, I would not have submitted the application. This is a classic case of bait and switch and is false advertisement.
Product: Credit card or prepaid card

I was sent a third party text link from a stock pick company XXXX This text sent to my phone only had a simple credit card form to fill out for payment. This wasn't completed on the merchants website at all. 
When I got access to this information, I immediately requested a refund seeing this isn't what I was told it was to be. This company told me they don't honor refunds. I immediately filed a dispute with Goldman Sachs ( Apple Card ). 
Apple Card accepted this companies generic website pages as proof of purchase. 
I have asked over and over again for proof of me accepting a no refund policy as again this transaction NEVER occurred on this website, again all done via a third party text message link for credit card input. 
They have NEVER provided this proof as you must select the box as agreeing to their terms which again never happened. 
Since filing a dispute, this company that took my {$4500.00} has blocked my access and deleted my account. I have supplied Apple Card with this information and they yet refund my money. 
I have contacted XXXX many times via email, text, and they won't respond to me. They have again blocked my account, this is FRAUD!! 
This XXXX company has FRAUDED me out of {$4500.00} and I want my refund. 
I have tried many times resolving this with Apple Card, today I simply asked for my account number so I may include it in this dispute, they refused to provide me with this information.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Conns Appliances INC Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number : XXXX XXXX  NAME : XXXX XXXX XXXX XXXX  address : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Conns Appliances INC I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Debt collection

Capstone collection is fraudulently adding collection accounts my credit report without providing the liable signature document showing proof of ownership to the collection account, I never lived or applied at XXXX XXXX and they added a collection to my credit report without attempting to call to verify nor did I receive any mail
Product: Credit reporting or other personal consumer reports

I am writing to complaint to VERVENT/XXXXXXXX XXXX XXXX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX, AL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report numbers related with this complaint are XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to report the inaccurate credit reporting by Comenity Capital Bank. The COMENITYCAPXXXX XXXX should be immediately deleted from my credit report due to incorrect information. This account says that it was purchased by another lender so why is it reporting as a charge off account? This is a violation of the FCRA. Also, the company that purchased the account is already reporting on my credit report and I have a payment plan set up so why is this account still being reported as a charge off? There are so many violations that I can take legal action. At this time, I am only asking for the deletion of the account. According to the law, I can take this to small claims court due to the many violations and inaccuracies. If so, I will be seeking compensation for {$1000.00} per violation. I am requesting for the deletion of this account for inaccurate reporting. I will attach the letter that was sent to the credit bureaus and my credit report showing the inaccurate information.
Product: Credit reporting

XXXX XXXX XXXX XXXX is listed as a derogatory items on my credit report.XXXX is reporting wrong information on my credit report for a debt that was paid in XXXX 2015 in flagrant violation of the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX is reporting a rating of XXXX on a scale of XXXX on my credit for a debt that was paid off in XXXX 2015. It is a wrong credit rating because the debt was paid off. XXXX XXXX is intentionally reporting wrong credit information on my credit report and it has negatively affected me.
Product: Credit card or prepaid card

Wells Fargo ( the creditor ) failed to mail me billing statements. Because of this I notified them every month in writing and by phone that I had not received any of my billing statements. The creditor stated that they would be sending out the statements in the mail and that their system keeps having issues with not sending the billing statements. The creditor never sent me billing statements. Because of this I was unaware if I had a balance on my account. I was also unaware if I had a minimum payment due. I did not make any payments as I did not receive instructions on how to pay my bill. The creditor reported my account as late ( delinquent ) to all 3 major credit bureaus ( XXXX, XXXX, XXXX ). After a couple of months/years, the creditor finally sent me a collections notice requesting immediate payment of a specific dollar amount without explaining what the amount was for. Because I did not want negative information on my credit report, I paid the amount that was requested of me. The creditor reported my account as charged off. The creditor violated several consumer protection laws by not reporting my account as current ( never late ) and closed. The creditor does not have tracking information showing that I received the billing statements they were required to send me.
Product: Credit reporting or other personal consumer reports

I have tried to get the balance on my collection account straighten out since XX/XX/2023. I have submitted disputes online, called, etc to no avail. The amount of the collection account keeps changing and affecting my ability to obtain credit. This account is over two years old and should not be showing on my credit report based upon the FCRA.
Product: Credit reporting or other personal consumer reports

Ive contacted these companies multiple times trying to dispute these accounts. Im a victim of identity theft so these accounts are not mines. 

Accounts : XXXX XXXX XXXX {$3100.00} XX/XX/XXXX XXXX XXXX {$480.00} XX/XX/XXXX XXXX XXXX {$810.00} XX/XX/XXXX THESE ACCOUNTS THAT WAS FRAUDULENTLY OPENED IS CAUSING ME TO NOT RECEIVE HOUSING FOR MY DAUGHTER & I. IM A SINGLE PARENT
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXXXXXX || Account Number : XXXX XXXX || Account Number : XXXX. XXXX || Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX. XXXX || Account Number : XXXX. XXXX || Account Number : XXXX XXXX || Account Number : XXXX
Product: Credit reporting or other personal consumer reports

After several weeks of calling the Mortgage company they neglected to provide me with accurate documentation needed to process my requests which caused 60 days of delay in processing and 2 months of over 30 day late reports on my mortgage payments. I would like for them to remove any credit delinquencies reported during the time that I was waiting for them to process my application for assistance.
Product: Prepaid card

I received an Amex XXXX Card for {$130.00} American Express XXXX XXXX XXXX, which loads on XXXX XXXX XXXX XXXX XXXX  and shows a balance. I attempt to use this on XXXX ( using {$0.00} less than the face value of the card ). And the transaction is declined. I can't seem to load my XXXX card at all
Product: Credit reporting, credit repair services, or other personal consumer reports

This is unbelievable, bureaus keep up with incredible reporting practices because they put stuff on my credit file without even informing me ahead of time.. They don't belong to me, I did not have an account with these companies, Please delete the mentioned accounts XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

I was selling a XXXX on XXXX XXXX and The Random person Text me like as usual is this available I said yes he said I will come in the morning and asked me do you using Zelle I said yes he asked me for my XXXX I gave it and he sent the money on my zelle but it was fake I didn't get any mails from zelle not even notifications and he called me on XXXX and he said me I sent you money please give it back my money to me he never send it and he was shouting scremming to getting his money back and he was threatening me that he will call FBI and police tomorrow and I got scared I sent the {$300.00} and After that it was scam I got to know Please XXXX help me to solve this issue. to get my money back.I have proof of everything.pictures payments mails chats of the person.
Product: Debt collection

I have excellent credit and no late payments/debts but was called repeatedly by Dynamic Recovery Solutions number ( XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of the XXXX data breach and as a result I'm also a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Thank you. As well as letters were sent to XXXX Trans Union and XXXX Demanding to comply with a method of verification used to verify any of this information that is on my report that is inaccurate with no reasonable or legit answer as of yet so clearly this is all apart of my data being exposed. Because of this blunder of this company I have been unable to purchase a home, I have been denied work and I have tremendously struggled financially trying to fix this problem that WAS NOT caused by me and I demand it be fixed immediately! 

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that all credit reporting agencies block all of the accounts, collections and hard inquires identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this complaint be sent to me via email to the email provided and a new updated credit report be mailed to the address listed on file as current. Please block and delete the following XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian regarding the inaccuracies and unresolved issues in my credit report concerning my XXXX XXXX account. Despite my previous disputes, Experian has failed to accurately update my payment history and account status. 
Account Details : Account Name : XXXX XXXX  Account Number : XXXX... 
Date Opened : XX/XX/XXXX Dispute Details : I received an extension from XXXX XXXX for payments for the months of XXXX and XX/XX/XXXX, which pushed my payments to XX/XX/XXXX. My next payment was due on XX/XX/XXXX. Despite this extension, Experian continues to report late payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( which was paid on time ), negatively impacting my credit score. I have provided evidence of the extension to Experian, but the errors have not been corrected. 
Account History : XX/XX/XXXX : Reported 60 days past due XX/XX/XXXX : Reported 30 days past due XX/XX/XXXX : Reported 30 days past due I have attached a screenshot of my Experian report showing the incorrect information. I request the CFPB to assist in resolving this matter by ensuring Experian accurately updates my payment history and removes the incorrect late payment entries. 
Attachments : Screenshot of the Experian report XXXX XXXX XX/XX/XXXX Statement XXXX XXXX XX/XX/XXXX Statement XXXX XXXX Payment Extension Agreement Thank you for your assistance in this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX must acknowledge that the debt being reported on my consumer report is not only inaccurate but also fundamentally flawed in its premise. The alleged obligation reflects a misunderstanding of the underlying relationship and the nature of the account ending in XXXX. As the agent acting on behalf of the principal, I hold a legitimate interest in the application, which serves as the original collateral securing the account. This account was established based on my authenticated application, making it clear that I can not owe a debt on an account created through my own credit investment. Instead, I am owed consideration for the principal 's interest, which exists within the account. 
It is essential to recognize that I, XXXX XXXX XXXX as agent for the principalam entitled to subrogation rights for choosing to allocate my credit to XXXX  XXXX over its competitors. Rather than breaching trust, obscuring the true intent of the agreement, and issuing deceptive billing statements for the sake of unjust enrichmentXXXX XXXX XXXX should act with transparency and honesty. This transparency is critical to allowing consumers to make informed decisions about their financial engagements. 
In essence, XXXX XXXXXXXX has been profiting twicefirst from the consumer 's credit and then from their ignorance of the true nature of the transaction. This practice is not only a breach of trust but also a clear case of unjust enrichment. Congress enacted the " Holder in Due Course Rule '' ( 12 CFR 433.2 ) to protect consumers from precisely this kind of exploitation, ensuring that financial institutions can not separate their profit motives from their obligation to act in good faith. XXXX XXXX has a duty to repair all damages caused by their willfully and knowingly intent to take what truly did NOT lawfully belong to them. To take something from a customer that he or she had no knowledge of owning is still theft. The agreement is in fine print and very lengthy for this purpose. Obligations of the United States are being settled as agreed, the shame is most of the American people are not aware of it. Use the Principal 's interest to settle the alleged debt and return the payments made by the agent back to the agent as outlined in 15 USC 1615. Remove all the derogatory information from the Principal 's ( XXXX XXXX XXXX ) consumer report. XXXX XXXX 's use of my credit as collateral effectively grants them a usufruct, allowing them to benefit from my assets while I, as the rightful owner, should retain the underlying rights and interests associated with them.
Product: Debt collection

I am submitting this complaint regarding a billing issue with XXXX  that XXXX unresolved despite multiple attempts to address it with their customer service and supervisory staff. 

In XX/XX/year>, I transferred my XXXX account to a new address. Before moving, I confirmed with XXXX that my account balance was paid in full. XXXX even issued me a refund at that time, further confirming that I did not owe anything. 

Now, more than a year later, XXXX is attempting to charge me for an amount they previously stated I did not owe. I have contacted their customer service and escalated the issue to supervisors multiple times. Each time, I have been assured that the matter would be resolved, but no action has been taken. 

I am seeking CFPBs assistance in resolving this matter, ensuring that I am not wrongly charged, and holding XXXX  accountable for their misleading billing practices. They have transferred my account to sunrise credit services and have not upheld their end of the deal even after saying they removed the balance from my account and closed it out.
Product: Mortgage

RESPONDENTS FAILURE TO TIMELY RESPOND TO CONSUMERS REQUEST FOR INFORMATION PURSUANT TO 12 C.F.R. 1024.36 12 C.F.R. 1024.36 ( d ) ( 1 ) Response to Information Request provides that : ( 1 ) Investigation and response requirements. Except as provided in paragraphs ( e ) and ( f ) of this section, a servicer must respond to an information request by either : ( i ) Providing the borrower with the requested information and contact information, including a telephone number, for further assistance in writing; or ( ii ) Conducting a reasonable search for the requested information and providing the borrower with a written notification that states that the servicer has determined that the requested information is not available to the servicer, provides the basis for the servicer 's determination, and provides contact information, including a telephone number, for further assistance.

12 C.F.R. 1024.36 ( d ) ( 2 ) ( B ) Time Limits provides that : ( B ) For all other requests for information, not later than 30 days ( excluding legal public holidays, Saturdays, and Sundays ) after the servicer receives the information request. 

On or before XX/XX/2022, XXXXXXXX SN Servicing Corporation ( hereinafter, XXXX or SN ), received the Consumer XXXX XXXX ( Consumer or XXXX XXXX ) XX/XX/2022 request for information ( XXXX  ). The XXXX XXXX requested, among other items, call notes, loss mitigation documents and information, an accurate pay off balance, the mortgage loan owner/assignees contact information, and other information. In the XXXX, we specifically requested that RESPONDENT send all correspondence to our authorized third-party representative, XXXX XXXX XXXX XXXX  A copy of the XX/XX/2022 XXXX and a copy of the US Post Office XX/XX/2022 delivery confirmation of same, are attached hereto as Exhibits A and B, respectively. 

Unfortunately however, XXXX has failed to investigate and/or respond to the XX/XX/2022 XXXX, and has therefore failed to comply with section ( d ) ( 1 ) of 12 C.F.R. 1024.36. 

Specifically, XXXX failed to comply with Regulation X, 12 C.F.R. 1024.36 ( d ) by not providing the above items to me, the Consumer in a timely manner. By copy of this Complaint, we are once again requesting that XXXX immediately provide us with the items listed in the XX/XX/2022 XXXX  ( See Exhibit A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I submitted a list of items that were unknown to my records and also unverifaible. I waited on a response and after 2 months I have 0 results.