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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX po box XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$3000.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4700.00} XXXX XXXXXXXX XXXX Balance : {$850.00} XXXX XXXX XXXX Balance : {$960.00} XXXX XXXX Balance : {$670.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$1000.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, H XXXX XXXX XXXXXXXX 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 XXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$740.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$970.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$720.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$740.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX Balance : {$1100.00}. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

I applied for a Miles and More world Master Card from Barclays Bank. The card had a promotion offer XXXX Miles and More Points after spending {$3000.00} and a free companion pass every year. I met the promotional requirements and got the points. But, I didn't receive the companion pass. I tried to look in my Miles and More account as well as my Barclay 's account. The companion pass didn't show. I called XXXX as well as Barclays I didn't get a clear reply. This year on XX/XX/XXXX, I checked again, there was nothing in my account. I called Barclays and was told to contact XXXX. I called XXXX XXXX ' Miles and More customer service and was transferred to a dedicated line. The agent told me that the pass expired on XX/XX/XXXX and the pass for this year isn't there.I called Barclays again to inquire. I was told that the pass is sent via email. I haven't got any email stating about the pass last year and haven't got anything this year also.
Product: Credit reporting, credit repair services, or other personal consumer reports

A USPS certified receipt mail letter was sent to Experian and delivered on Monday, XX/XX/2019 requesting validation of debt from XXXX XXXX. In my request for validation, I reminded Experian that in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681g the consumer is entitled to said records from said company or agency, the requested records which prove/show that the debt is indeed mine that were given to Experian to validate this debt. They must in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681i delete this information from my credit report or send me copies of the  documents that they have in their files with verifiable proof. I also requested correspondence be in writing. As of today, XX/XX/2019, Experian has not provided me with verifiable proof or copies of the documents used to validate this debt. Instead, on XX/XX/2019, the company sent me a credit monitoring alert and email stating that the debt listed was not changed because the company " certified '' ( with no paperwork ) that the information reported was accurate. Experian is reporting incorrect information and refuses to produce record supporting documentation that any individual to whom gave the information or the documentation itself as requested. Consumer reporting agencies bear the responsibility to ensure the accuracy of the accounts they report and their responsibility must consist of more than merely parroting information received from other sources. An investigation that merely shifts the burden back to the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).
Product: Debt collection

I have requested to do a verification and validation of this debt with a Photo copy of my identification or SS. They have not given me what I have ask for on numerous occasions. I am requesting to be deleted due to not be able to verify the information.
Product: Debt collection

Cooling and Winter, Attorneys at Law, XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone XXXX This law firm is trying to collect a debt which is not mine. They continue to send me letters representing XXXX XXXX XXXX. I actually have a credit card in Excellent standing with XXXX XXXX XXXX. It is current and I have a large credit line. Cooling and Winter has sent me a credit card application dated XXXX XXXX, XXXX that is a forgery. It does not contain my handwriting nor my signature. Clearly someone using my identity. Please have them cease and desist and clear this fraudulent account. XXXX XXXX
Product: Vehicle loan or lease

In XXXX my XX/XX/XXXX XXXX payment was the last payment I was able to afford on my truck after Wells fargo bank put CPI insurance on it and never asked me or my agent if I changed my insurance or dropped my insurance. It increased my payment by almost XXXX a month. The response by wells Fargo auto loan was I needed this on my truck. Bringing my payment to XXXX and change. I live on XXXX  and cant afford that much. They were no help when I called several times. The bank is now very confused on the dates of repo. XX/XX/XXXX Saturday night at XXXX or XXXX XXXX the repo man knocked on my door and I went out with him and opened my garage to allow him to hookup to it. The Bank started saying in the last couple weeks that I called on XX/XX/XXXX and said I wanted my truck repossesed that was already done I never asked wells fargo to do no such thing ever. The forced placed CPI was what made me unable to afford my truck nothing else. I had to file bankruptcy to stop the the harrasment from collectors wells fargo had hired. I could not get a apartment or a decent place to live after this until years after the repo. I lost my truck to them in what I call a theft of my truck.They keep saying I need insurance from XX/XX/XXXX to XX/XX/XXXX At this time Wells Fargo had my truck from repoing it on XX/XX/XXXX. 
I cancled my insurance on XX/XX/XXXX. They didnt sell the truck untill XX/XX/XXXX 6 months later. 
Here is where there wrong in XX/XX/XXXX I made the last payment before they put CPI on mhy truck. 
XX/XX/XXXX was 6 months and 2 days later with no payments. They as a company according to auto loan dept on XX/XX/XXXX max is 95 days well that was incorrect in my case as well. There is no way wells fargo repoed my truck in XXXX in XXXX as I no longer lived there. I also no longer had my truck because of there repo due to forced placed CPI by them. I know the date by two things the proof of insurance and my diary which has the date as XX/XX/XXXX as well. I called them for the last time on XX/XX/XXXX. 
Never called in XX/XX/XXXX as they claim. On XX/XX/XXXX I moved out of XXXX and the truck was gone to them. 
I am out alot of money and there being really not nice denying me outside aribritration. You will notice the letter from XXXX XXXX stating the forced placed CPi could have caused my default. She is the only one that got that right. She is the vice President of CPI refunds at Wells Fargo Bank. Wells fargo has had some really bad employes over the years and made alot of victims out of people for no reason they say they want to make things right. I dont think that at all. Like they told the Federal reserve there going to be forced into closing there doors for good. To get the cap lifted on the gross value. 
That was earlier this year. I dont feel for them at all. As they dont for me. I dont understand there records and all the charges and also dont understand why aribritration is so out of line.
Product: Payday loan, title loan, or personal loan

This complaint concerns Payoff ( https : //www.payoff.com/about/contact/ ) For the past several months, I have been receiving invitations from Payoff, via email and postal mail, to apply for a loan to pay off some or all of my credit card debt. These invitations have been accompanied by a unique invitation code, which I am asked to enter on their website to begin the process of applying for such a loan. Repeatedly over the past several months, every time I have entered my invitation code, my application is blocked with an unspecified error, and I am directed to contact Payoff via its live customer support chat. Each time I am told the exact same thing : that there is a " technical problem '' with my account, and that their " engineering team '' will look at it and that I will hear back from Payoff within a few days. Each time, this has NOT happened. Nobody ever follows up with me, either by phone or by email, or via any other means. The same issue has continued when I have attempted to email Payoff ( repeatedly since XXXX ) : I am told there is a " technical problem, '' the " engineering team '' will look into it, and that I will hear back from them ( yet I never do ). The same has also happened when I contacted their phone support. I spoke to them twice by phone, only to be told in the end that it is a " technical problem '' that their " engineering team '' needs to look into and that they will contact me. Again, they never have. Perhaps I shouldn't, as this poor level of customer service is a red flag, but I would like the opportunity to at least apply for a Payoff loan, but have found absolutely no recourse so far in attempting to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have twice now disputed an incorrect missed payment to XXXX   regarding a car I traded in in XX/XX/XXXX. My credit report states that I missed a payment in XX/XX/XXXX. I have provided them with proof of the trade in date and they are claiming my documents don't meet their standards. The document provided is the receipt of trade in/ purchase of a new car given to me by the XXXX XXXX with the visible date of XX/XX/XXXX. It is impossible for me to have missed a payment on XX/XX/XXXX. The car was XXXX XXXX and I was no longer responsible. I honestly don't know what else I could give to them to show them I did not miss a payment.
Product: Credit card or prepaid card

I have been dealing with this insurmountable debt on my credit since 2018. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My caregiver STOLE my credit card and ran up my balance. I had an excellent history before this. Now I can't get another card or pay this extravagant balance, and I'm barely making ends meet as it is. I've done everything, I even filed a police report against the involved party. No one helped me. I do not deserve to have such a blemish on my credit. My credit was excellent before all this.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed inquiries I didn't consent to and personal information I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I never consented to these inquiries and did not provide written consent to report them List all inquiries : XXXX XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/year> Please investigate and provide proof with statements showing that I authorized or consented to these inquiries or personal information and proof that I authorized the reporting of this information. If proof can not be provided I demand these inquiries and personal information be deleted.
Product: Credit reporting or other personal consumer reports

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be deleted : XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Credit reporting or other personal consumer reports

I recently check my credit report and across all 3 major bureaus, unauthorized inquires are there. They are affecting my abilities to obtain additional funding and advance economically. I have reaching to each bureau and give excuses as to why these inquires can not be removed. Here is a list of the companies and dates of the inquires that need to be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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

Transunion has literally ruined my life.they have reported my XXXX XXXX XXXX closed and delinquent. They reported I disputed XXXX XXXX. This is incorrect information. XXXX XXXX have removed bankruptcy from their file transunion will not remove it, they will not update my person information with verification. They will not remove XXXX XXXX. I don't know why transunion is reporting incorrect information on my credit report. My account has been closed due ton Transunion reporting incorrect information I'm unable to buy a home due to transunion reporting incorrect information. No credit card company is reporting anything negative on my credit report.
Product: Debt collection

I recently noticed a collection company reporting on my credit. I have never received a notice regarding this nor do I know what it is. Midwest Recovery System is reporting on my credit for original creditor XXXX XXXX XXXX?? I am unaware of either of these companies. 
It is from XX/XX/2011 which, for one is past the statute of limitations. For two,  how can they just report on my credit without first sending notice and this isn't mine!
Product: Mortgage

XXXX XXXX XXXX was helping me with my bankruptcy. Once we finished with the payments to the trustee. the mortgage bank told me i was behind over XXXX dollars. The bankruptcy is for me to start on a XXXX balance. The lawyer that is in communication with the bank said that the bank should of sent me info on that. which is not true he is in direct contact with them. Ive told him that the law firm has many lawyers and helpers that the during this process that it was done correctly. im asking to reopen my case to have it filed correctly since it is their negligence that im in this situation. The lawyers said that it is the banks fault when he is the one to talk to them on my behave. Thats the services i paid for and are not defaulting on me and they are not taking any responsibility.
Product: Mortgage

Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint to the denial of loan modification because your company failed to provide the detailed explanation required by Regulation X, 12 C.F.R. 1024.41 ( d ). If a borrower 's complete loss mitigation application is denied for any trial or permanent loan modification option available to the borrower pursuant to paragraph ( c ) of this section, a servicer shall state in the notice sent  to the borrower pursuant to paragraph ( c ) ( 1 ) ( ii ) of  this section the specific reason or reasons for the servicer 's determination for each such trial or permanent loan modification option and, if applicable, that the borrower was not evaluated on other criteria. The client is also submitting a complaint due to the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).
Since X/XX/17 - the loan modification application was sent to the lender for review - since this time we have tried to obtain an update through opposing Counsel due to a litigation hold on the file the lender would not provide us with any information - they lender denied this application due to affordability on XXXX without any communication - the lender failed to provide any notice of the review and the denial is inaccurate - even if the payment increases the client shows enough income for the modification to allow him to repay his debt and retain his home - we request a new review of the clients information and communication to be granted during this review
Product: Mortgage

Unbeknownst to me, apparently, in XXXX, my mortgage company sold my mortgage to a company known as " Mr . Cooper. '' I started receiving generic letters from " Mr . Cooper. '' I presumed it was just spam. Never did I ever expect or imagine a mortgage company would be called " Mr . Cooper. '' My son finally opened one of their letters yesterday because he had recently bought tires for his car from " XXXX XXXX. '' Suffice to say, we were shocked to find out that Mr. Cooper 's legal team was notifying me that I was {$4900.00} in default and that Mr. Cooper would take legal action. 

Lucky for me, as a retired XXXX XXXX, I have the means to pay this sum of me. I have had many many mortgages and they are have been bought and sold and never did I have to restart my automatic deposits. I can only imagine those less well off than me who are about to lose their homes to a company that has cleverly chose a name so as not to bring attention to itself or let you know the importance of them. I think this is nothing but an effort to take the homes from people by naming a company a ridiculous name so that its customers will not realize the severity of ignoring them. 

I hope you will take a look at the duplicitous business practices of this company and the intent/origins of their name. I bet you will find that many of its customers are defaulting on their loans simply because they were unaware that their loans had been bought out. 

Sincerely, XXXX XXXX XXXX, XXXX XXXX
Product: Debt collection

Until XX/XX/XXXX, I have had the same medical insurance for the last 10 years or more. All of the negative activity on my credit report is medical. I do not owe any of those bills. When the doctor 's or hospitals generated those bills to my address, I contacted XXXX, my primary insurer and XXXX XXXX XXXX XXXX XXXX, my secondary insurer. I was told by both agencies that due to the fact that the providers sent their bills in late, they were uncoverable and the I did n't owe anything, as I was n't at fault and 100 % covered. Also, in the case of XXXX XXXX, for example, I was going to his office 3x 's a week for XXXX. How come he only charged me once over a 2 month period? Because his office filed late, I do n't owe him anything, which I explained to his office in XX/XX/XXXX, they told me they would not pursue payment any longer, they lied.. The collections companies that are attempting to collect from me do not have contracts with me. I owe them nothing, none of them. These companies are making false statements and I would like for this misinformation to be removed. I have have continuous medical insurance for 30 years. Only since moving to Florida in XX/XX/XXXX have I experienced agencies falsely saying I owe bills, sending it to collections. Not my fault nor am I responsible for their late filing. If they paid their taxes late, would they be absolved of paying their taxes or penalties? They ca n't continue to hold me responsible for their incompetence and lies.Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act XXXX XXXX  # XXXX, account # XXXX, account # XXXX, account # XXXX # XXXX account # XXXX account # XXXX account # XXXX has violated my rights 15 U.S.C 1681 SECTION SECTION 602.A STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION SECTION 604 A STATES SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Debt collection

I have received 3 letters on different Private Student Loans and have 1 on a payment plan, the 2nd one they denied and yesterday I received a 3rd collection from XX/XX/XXXX. I know that there is a statute of limitations and there is no way that I can afford to keep doing payment plans. I have had XXXX twice and just starting to get up on my feet. I need help.
Product: Money transfer, virtual currency, or money service

took my cash app and its been like that for a while and would like it back or a check or money sent back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account Name XXXX, XXXX, XXXX XXXX XXXX, XXXX  has violated my rights. 

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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX Account number XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.