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

This is my several 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 an 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX XXXX regarding several violations of my consumer rights. Specifically, I am concerned about breaches of both Federal and New Jersey State laws relating to the handling and disclosure of my personally identifiable financial information. 

( Violation of Federal and State Privacy Laws ) - XXXX XXXX has failed to provide me with the opportunity to opt out before disclosing my personal financial information to third parties, including other financial institutions and consumer reporting agencies. This lack of disclosure and opt-out option violates my rights under the Gramm-Leach-Bliley Act ( GLBA ) and the New Jersey Data Protection Act ( NJDPA ). 

Despite my clear instructions that I did not consent to such disclosures, XXXX XXXX has asserted their right to share my information based on their Privacy Policy and Privacy Notice. However, these documents state : " Personally identifiable financial information collected by financial institutions ( like XXXX XXXX XXXX is subject to other federal privacy laws ( such as the Gramm-Leach-Bliley Act ( GLBA ) ). '' " For New Jersey Residents : We will not share information we collect about you with non-affiliated third parties, except as permitted by New Jersey law, such as to process your transactions or to maintain your account. '' ( Failure to Provide Accounting Information ) -I have also requested a detailed accounting of my account, including documentation signed by an authorized representative, to clarify the true amount owed and the source of funding for the account. Instead, XXXXXXXX XXXX has only provided me with a copy of the Promissory Note, which reveals multiple violations of the Truth in Lending Act ( TILA ). 

( Inadequate Handling of Correspondence ) - Additionally, despite my specific instructions that all correspondence be sent to a designated address, XXXX XXXX continues to send mail to an address that is inconvenient for me. This disregard for my specified address is a violation of my privacy. 

( Identity Theft and Extortion Concerns ) - Federal law defines identity theft as " a fraud committed using the identifying information of another person '' ( 15 USC 1681a ( q ) ( 3 ) ). By disclosing my personal information without my consent, XXXXXXXX XXXX actions can be considered identity theft. Furthermore, these actions may also involve depriving me of my rights under color of law ( 18 USC 242 ) and could be construed as extortionate collection practices ( 18 USC 894 ). 
If these issues are not addressed promptly, I will consider taking further action to protect my rights, including seeking damages for breaches of the Fair Credit Reporting Act ( FCRA ), TILA, Uniform Commercial Code ( UCC ), and New Jersey consumer protection statutes.
Product: Debt collection

This company added a collection account to my credit report. 
Amsher Collection Service Account # : XXXX Date Opened : XX/XX/2022 Balance : {$310.00} This account do not belong to me and this company is in violation of the law. 15 U.S.Code 1602 p ) The term unauthorized use in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 15 USC 1692b ( 2 ) Not state that such consumer owes any debt ; 15 USC 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not participating. I do not know this company and never been in contact with this company. I want this account deleted from my credit report immediately. 

I have filed an FTC report, filed a complaint with XXXX  and sent a certified letter to the creditor today.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> National Credit Adjusters XXXX XXXX XXXX XXXX XXXX, KS XXXX Account number : XXXX Original creditor : XXXX XXXX Subject : Cease and Desist Request for Deletion of Collection Account Dear National Credit Adjusters, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Using a crypto wallet called XXXX ( based on Crypto.com ) I purchased XXXX dollars of XXXX and was attempting to send it to another wallet, after it said it successfully processed my transaction I attempted to deposit it into the wallet which failed multiple times, I have attempted to contact support multiple times and they will not contact me back. 

Its been several days of attempts with no luck, I have not gotten any emails or chat replies back from support and have no way of knowing how else to contact them. 

Date of transfer XX/XX/2022 XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX last XXXX of my social are XXXX my date of birth is XX/XX/year>. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX  XXXX XXXX. {$2600.00}, XXXX XXXX  XXXX. {$730.00}, XXXX  XXXX XXXX XXXX. {$4100.00}, XXXX  XXXX XXXX XXXX. {$4300.00}, XXXX XXXX XXXX. {$11000.00}, XXXX XXXX XXXX. {$8800.00}, XXXX XXXX XXXX. {$8900.00}, XXXXXXXX XXXX XXXX {$17000.00}, XXXX XXXX  XXXX XXXX. {$4400.00}, XXXX XXXX XXXX. {$8700.00}, XXXX  XXXX XXXX XXXX XXXX {$20000.00}, XXXX XXXX. {$32000.00}, XXXX XXXX. {$15000.00}, XXXX XXXX XXXX XXXX. {$970.00}, XXXX XXXX XXXXXXXX XXXX. {$980.00}, XXXX XXXX XXXX XXXX. {$5400.00}. 

These accounts have resulted in several fraudulent negative accounts and collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts or collections reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This information is inaccurate and old.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX  and Equifax recently regarding information reported on my credit file. I inquired about the individual/s that reported to their concerning regarding a bankruptcy in XXXX and XXXX. I was advised by the representatives/ and supervisor that the United States Bankruptcy Court XXXX District of Illinois reported the information to XXXX  and Equifax . I asked that information be removed in accordance to Section 1681 ( 5 ) of FCRA ( Fair Credit Reporting Act ) I  was told they would not be removing because the above entity reported this information. The above-mentioned credit agency was advised that the Bankruptcy Court did not report this information and I presented proof of this information to the credit reporting agency. I received and update to my credit report on XX/XX/XXXX stating they had completed my dispute. XXXX  and Equifax seem to not follow the law in reporting fairly and in accordance to the law. I have attached the letter of removal sent to Equifax and XXXX, the letter from the bankruptcy court, and their removal for non-compliance
Product: Mortgage

I submitted a request for mortgage assistance/ modification in  XXXX     2017  to  Ocwen  Mortgage Compan y . A t that time, no foreclosure date had been established. I received a letter from Ocwen requesting additional documentation within a reasonable period of time.   I submitted the documents as requested. Suprisingly, I received a deficiency notice from   XXXX   XXXX   XXXX   on    XXXX   XXXX  201   7, esta blishing a foreclosure date o f   XXXX   XXXX    2017  a t  XXXX   XXXX . To date  (   XXXX /17    ),  m y Ocwen Mortg age online account indicates I have a pending modification in consideration. Ocwen intentionally mislead me to believe I was in the process of saving my home. At the same time I received the foreclosure notice. I ca n't believe Ocwen would offer me assistance and pull the rug out from me without evaluating the documents i submitted. Ocwen is in gross violation of RESPA  1024.41 loss m itigation regulations relative to the improper establishment of a foreclosure date with a pending modification in process.
Product: Credit reporting or other personal consumer reports

CFPB- 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX liens on my Equifax credit report that do not belong to me. I have asked for verification from Equifax and they failed to do so. I contacted the courts they do not report to 3rd party agencies nor do they give out any information from the courts on the phone. I sent a method of verification to all the credit reporting agencies and got no response and its been over 30 days. These do not belong to me and I want them removed immediately. XXXX is not the method of verification. I called the courts and they did not give no one information. Remove immediately! I will start legal action if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not in my name and needs to be removed from my credit history. As of XX/XX/2019, this account was PAID IN FULL for the corrected balance due. They were in formed on numerous occasions that in XXXX this account was hacked. The person who hacked my account attempted to charge and make payments from fraudulent accounts. At that time, you closed my online access. Then refused to provide me with any monthly statements. However, during that time, you felt the need to charge late fee after late fee after late fee on an account that by your own admission I had no access to or record of account balance. It was not until you were threated with legal action that you provide me mailed monthly statements but that again took you over 6 months to do. 
Therefore, when I refused to pay those late fees you got mad. In XXXX of 2019 you were sent a settlement check of {$660.00} which was the correct balance after removing your numerously illegal monthly late fees. See if you dont provide a customer with account access or monthly statements you can not legal charge a late fee. SO, I thoughtfully removed those from my account and provide you with a final payment closing out this account in my name. 
Now you continue to refuse to acknowledge that you accepted the settlement agreement by depositing the check, yet you deposited the check and credited my former account. SO, any charges to this account after XX/XX/2019 are not mine and I have no legal responsibility to pay them. IN fact, this account is no longer considered my debit. 
So, as I have directed you several times. You are to cease and desist from contacting me any way, shape or form about an account that is not legally mine. As far as the credit agencies reporting this account should be marked paid in full account closed with no balance due as of XX/XX/2019. IF you continue to harassment and file false reports to my credit report, I will seek legal action. You have been warned!!
Product: Credit reporting, credit repair services, or other personal consumer reports

this information I listed the fraud accounts I found on my credit report.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

On XX/XX/2023 at the Chase XXXX XXXX XXXX branch in XXXX XXXX, CA, I was making a {$36000.00} deposit with the teller. 

A fraudster came alongside me at the teller window saying I dropped money and was handing me a {$20.00} bill. Unbeknownst to me, he approached me at the precise moment I had entered my Pin Number. Also unbeknownst to me or the teller, he also stole my Debit Card. 

Within 30 minutes at a branch in XXXX, he made 3 ATM withdrawals from Checking, his female accomplice made 1 inside branch withdrawal ( {$4800.00} ), and then 4 more ATM Checking withdrawals ( {$3600.00} total ). 

I didnt know I had been robbed until 45 minutes later when I received a Chase Fraud alert. I checked my wallet and saw my debit card was gone. 

I returned immediately to the branch and Chase opened two Fraud claims- one for the {$3600.00} in ATM withdrawals and one for the in-person {$4800.00} Savings withdrawal. 

I filed a police report. The officer subpoenaed 4 tapes. The final Police Report states that XXXX saw the two tapes Chase provided and saw the thief withdrawing my money from two ATMs in XXXX. It also mentions a woman ( the one who impersonated me inside the branch to withdraw the {$4800.00} from my Savings account ). 

NOTE : XXXX subpoenaed four tapes but Chase did not comply. Ironically, the two tapes Chase refused to supply were the exact two Fraud told me they needed in order to pay my claim : 1. Male seeing me input my pin and stealing my card at the teller window, 2. Female inside the branch withdrawing {$4800.00} in cash. 

On XX/XX/XXXX, my ATM Claim for {$3600.00} was paid in full. However, Chase Fraud denied the {$4800.00} in-person claim. ( That transaction was sandwiched in between the seven that had been deemed Fraud. ) I appealed and was denied again due to lack of care. It has been 4 months and I am still out my {$4800.00}. 

I heard from different sources that this same couple robbed other victims around that time in a grocery store, banks, etc. 

I can not believe that Chase has denied this claim, given the evidence presented. Their refusal to comply with the subpoena that would have validated my claim is unacceptable. 

Chase agreed that I was robbed and defrauded of my ATM cash at 6 transactions - but the inside branch transaction that took place at the same time was denied. 

Please note : I went to the teller to deposit {$36000.00}. I only use my debit card inside the branch where I should have been safe. ( I never use it anywhere as my bank records will attest. ) I was robbed in front of the tellers window. How can Chase deny this claim? Its criminal.
Product: Credit card

Lowered available credit limit, on two separate cards, without warning, therefor making credit look as if it is maxed out. Never have been late with payments. Have a XXXX credit score, and only reason, is because they " looked '' into my spending habits. This isn't a just cause, and by maxing out my available credit use with credit reporting agencies, my credit rating will fall. And, I fear now, they will want to raise my interest rates also, because I'm " Maxed Out ''. I'm furious .... I look after my credit and use it appropriately.
Product: Payday loan

I took out a Loan from Cash Central XXXX, Al for {$300.00} sense that time I lost my job and also my medications went through the roof so I was unable to pay the Loan back. Every sense that time I have been receiving phone calls everyday. Not a day pass they are calling me and they always call from a different number so I never know who it is calling. They have caused me to pay out so much money at my Bank, at the time my Bank was XXXX XXXX in XXXX, Al. They have caused me to pay out hundreds of dollars in overdraft fees, money that I could have paid them with but they would not stop trying to debit my account. They call every day starting at around XXXX I am telling them the same thing each time they call me that I do not have any money to pay them now if I did have the money I would pay them each month until I paid them up but until my income increase I am not able to pay them. I am on a fix income and I can not pay them now and I can not tell you when I can pay because I do n't know my self. I am so tired of the harassing phone calls I am on XXXX and XXXX and every day it gets worse and worse and I ca n't keep putting up with them calling every day like this it works on my nerves and it up sets me really bad. I told XXXX people that call me that I would try to pay something next month and she screamed at me and said next month, why next month? I told her I had to see how my bills would run and I could not give her and amount so to how much I can pay. I know even if I could pay them it would not be more than {$4.00} or {$5.00} dollars if that much. They just keep calling and calling every day. They have been doing this for the pass 6 or 7 months and I ca n't take it any longer. My nerves are to bad and they runs my XXXX XXXX up by calling every day. If they were to slow down the calls except to may be once a month then that would be helpful a little but I still do n't know if I would have any money to pay them even then. I can try if I have any money left but I seriously doubt it not right now until my bills comes down. I am paying high bills right now and it is taking all of my money to just keep my house going so that I can have some where to live. It 's not that I do n't want to pay them but I do not have the money now. They ruined my Bank account and I had to close it because of all the over draft fees the Bank was charging me. Each day they sent the debit through for the {$300.00} and some dollars and every day the Bank charged me {$38.00} per transaction, I paid out a lot of money to the Bank for these transactions, money they could have had if they would not have kept trying to debit my account. I am so tired of this and I do n't know nothing else to do except not answer the phone but If I did that I could miss important phone calls from other people I need to talk to. I am just tired of the harassing phone calls. This is not good for my illness. Regardless of what I say to them they still call every day. I just want the calls to stop. I will pay something when ever I can.