23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have a debt with " the XXXX card '' now per my understanding Your Rewards credit card has a dual function that allows you to access two credit card accounts with separate lines of credit a XXXX account issued by XXXX XXXX XXXX, XXXX. and a XXXX XXXX Private Label Account issued by the Exchange Credit Program. 

REF : XXXX XXXX XXXXXXXX Debt is from XXXX I was in the XXXX from XXXX. I was in the belief that I paid off the card in full before departing to XXXX in approx XXXX. I never received any statements from XXXX while I was in the service that there was remaining debt. 

Had there been remaining debt it would have been garnished from my XXXX XXXX pay immediately. 

From XXXX to XXXX I received no notices that I had a debt. 

In XXXX I received a notice from a 3rd party debt collector stating that I owed over XXXX. For which about XXXX is actual debt and the rest is interest. 

Debt collectors pay only a fraction of the charged off debt. 
Debt collectors to the best of my knowledge can not continue to charge interest on a debt. 
This debt is over 11 years old. 

When I contacted them they THREATENED : they will put a lien on my social security number. 
sue me for the 11-year-old debt that the debt will continue to gain interest They will garnish my wages ( they have done this ) They also stated that even though they are a 3rd party debt collections agency they are not bound by the statute of limitations. 

The Law that they are talking about ( I would guess ) that gives the government the right to collect a federal debt without a statute of limitations is PUBLIC LAW XXXX. Which is only applicable in the following categories. 

anyone OVERPAID by a federal agency Federal Student Loans Child Support Income Taxes This debt does not fall into any of these categories. 

However ; even it did per SEC. 14219 ( 2 ) ( B ) APPLICATION OF AMENDMENT.The amendment made by subsection ( a ) shall apply to any debt outstanding on or after the date of the enactment of this Act. ( XX/XX/XXXX ) Said debt does not fall into one of the categories and is from XXXX. Thus making the statute of limitation applicable in this case. 

This debt by their own admission is no longer with AAFEES but is a third party debt collector. See attached screenshot.
Product: Credit reporting or other personal consumer reports

Equifax has faced significant criticism due to multiple data breaches, most notably the 2017 breach that exposed the sensitive information of over XXXX XXXX consumers, including Social Security numbers, credit card data, and other personal details. As a company entrusted with safeguarding consumer credit information, their failure to prevent such breaches raises serious concerns about their ability to protect sensitive data. I am deeply worried about the safety of my credit information, as these breaches could lead to identity theft, fraudulent activity, and long-term financial damage. Equifaxs mishandling of data security has shaken consumer trust, and despite their promises of improved measures, I remain skeptical about their commitment to preventing future incidents. It is unacceptable for a credit reporting agency to allow such risks, and I believe more accountability and transparency are necessary to ensure the safety of consumer information.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report, and noticed I had fradulent account on my reoport. Please remove this saccounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have 2 separate complaints. One for equifax and one for XXXX. 


Equifax : Has not updates my score since 2019. No information on this report is accurate and it shows my score as a XXXX almost XXXX points less than XXXX  or XXXX  due to the bad information on the report. I reached out to them via email and have not heard back. They dont take calls. 

XXXX : Does not let me dispute items on my report due to previous disputes. However I have a valid reason to file a dispute for the item I am trying to and they refuse to let me file the dispute. The information is not accurate this account was paid directly to the lender and resolved.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX, the federally protected consumer, has placed numerous complaints through the CFPB ( 15 u.s.Code 6805 and 16 CFR 131.1 ) and certified mail for the entire year of XXXX about XXXX XXXX and Experian Consumer Services willful non compliance of the Fair Credit Reporting Act and Privacy Act of 1974 by the sharing of inaccurate, non public, personal information on my consumer report. ( FCRA Sec 603 ( d ) ( 1 ) ) without my expressed written consent. ( FCRA Sec 604 ( a ) ( 2 ) ). XXXX XXXX and Experian Consumer Services is also currently past the 30 day allotment to resolve this ongoing dispute which is also documented via the complaint placed via the CFPB since the last complaint that has been placed, on XX/XX/XXXX and XX/XX/XXXX. 
The law states that it is illegal to have a consumer report containing information solely as to transactions or experiences between the consumer and the person making the report ( FCRA Sec 603 ( d ) ( 2 ) ( a ) ( i ). I've repeatedly stated the reasonable procedures that congress has set forth for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer and the consumer reporting agencies, XXXX XXXX and Experian Consumer Services, has had no regards to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of the Fair Credit Reporting Act. XXXX XXXX and Experian Consumer Services has never provided their method and/or proof of verification that gives them the authority to report inaccurate, non-public, personal information on my consumer report. Which is documented via the CFPB with their responses that has not addressed the issue of their willful non-compliance of the Fair Credit Reporting Act and Privacy Act of 1974 by the sharing of inaccurate, non-public, personal information on my consumer report. 
There is also income being reported, by XXXX XXXX, on my consumer report as well ( XXXX XXXX XXXX XXXX ) which also goes against federal regulations. Nor has this account been properly verified and/or validated according to federal guidelines. 
According to the compliance procedures of the fair credit reporting act every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 605 [ 1681c ] and to limit the furnishing of consumer reports to the purposes listed under section 604 [ 1681b ] of this title. 

I have attached the following : Passport Card, CAF Notice, Power Of Attorney, Fee Schedule, consumer report ( s ), Opt Out Confirmation ( s )
Product: Vehicle loan or lease

A Non-Judicial Repossession Without Contract : They never contacted me at my home. 
This was an unlawful non-judicial repossession under 15 USC 1692 I have no contractual relationship with LVNV Funding LLC I have no contractual relationship with XXXX XXXX I have no contractual relationship with Absolute Recovery Property Redemption You have no legal right to my property Violation of 15 USC 6802 ( Gramm-Leach-Bliley Act ) : Unlawful disclosure of my nonpublic personal information to unauthorized third parties ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) without my consent I, XXXX XXXX, never authorized LVNV Funding LLC to share my personal information No notice was provided regarding the sharing of my information No opportunity to opt-out was provided No letter or communication was received regarding the transfer of information to XXXX XXXX oXXXX XXXX XXXX XXXX Redemption Violation of 15 USC 1692f ( Fair Debt Collection Practices Act ) : Taking my property without legal right or contractual authority Using unfair and unconscionable means to collect an alleged debt Unauthorized entry onto my property Taking action that can not legally be taken Potential violations of 18 USC 241 and 242 : Conspiracy to deprive me of my property rights Acting under XXXX of law to deprive me of my constitutional rights to due process
Product: Checking or savings account

I was appointed as Guardian of my father, XXXX, on XX/XX/XXXX. Subsequently, his property was deposited in eight ( 8 ) bank accounts, including a Bank of America account. The account is titled, MY NAME, Guardian of XXXX Joint w/ Guardianship Clerk XXXX County . My father, XXXX  died on XX/XX/XXXX. Thereafter, my attorneys, XXXX & XXXX, filed a Petition on my behalf in the XXXX County Surrogate 's Court, and on XX/XX/XXXX, I was appointed as Administrator of my father 's Estate. As fiduciary, I have proceeded to close seven ( 7 ) of the Guardianship accounts, with the exception of the Bank of America account. The branch manager has been totally incompetent. At first I was told I could go to any branch with the appropriate documents and close out the account. Then I was told that I had to come to her branch. After going to her branch, she once again refused to close out the account. At my insistence, she finally reached out to her legal department and she was informed that I needed documentation from the Guardianship Clerk. That information is totally incorrect. Once my father passed away, it was out of the hands of the Guardianship Clerk, and it was necessary for me to file my Petition for Administration of his Estate with the Surrogate 's Court.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX BANK # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX
Product: Consumer Loan

zenco collection company calling my place of employment at three times or more per day, after i have requested them to contact me by mail
Product: Credit reporting, credit repair services, or other personal consumer reports

The dates mentioned I were late in making my payments were incorrect, I requested the proof but they failed to provide the documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account and credit inquiries listed on my Experian credit report is unauthorized, fraudulent and not my account : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX
Product: Checking or savings account

Back in XX/XX/2023, I submitted an online completed application to XXXX XXXX XXXX. On XX/XX/2023, I had visited the property in person ; and XXXX gave me a mini tour of the apartment unit. 
Upon submitting the application, I had to pay {$300.00}. ( See images ) {$50.00} Application Fee ( non refundable ) {$250.00} Administration Fee ( Refundable if not approved ). And at the very end, a surprising {$5.00} was added. By the week of XX/XX/2023, I was informed I was not approved. So, I requested a receipt of my {$250.00} refund. By XX/XX/2023, I received a call from XXXX ( I might be spelling her name wrong ). She called to confirm mailing address and disclosed the check number was # XXXX for {$250.00}. 
XXXX ( the owners of Luminous ) are located in XXXX. I'm in XXXX. It's been over two full weeks. No check has been placed in my XXXX XXXX. XXXX at the Post Office alleged on Friday, XX/XX/2023, they place my mail in my box as it arrives. 
In conclusion, I'm starting to think XXXX never mailed anything or the XXXX Employees are holding my mail or they placed my mail in the wrong box. Either way I'm entitled to my refund before the 30th business day. Therefore, at this point, it's best {$250.00} gets credited back straight into my personal checking account ; and we can cut the chase today. 
Please have XXXX, XXXX XXXX XXXX, credit my account. I called them twice asking for the tracking number, and nobody has called me back. 

XXXX XXXX XXXX XXXX : ( XXXX ) XXXX
Product: Checking or savings account

I opened a savings account with Discover Bank on XX/XX/21 and even had to call in to do a verification call with them. At no time even when calling in before the account was opened did they say anything about an account I had from a few years ago that was closed. NOTHING!!! So I was not even aware of this account, well two days later the froze the account and closed it because of this old account. Now mine you I had deposited a settlement check I had gotten from an insurance settlement. This check was to be held for 7 days, which was fine since I just wanted the money for savings. Well I called when I got the text about the account be frozen and was told it was closed and most likely the would just reverse the check deposit since it was still pending, I of course did not believe this and called XXXX where the check was drawn from and was told the check had been cashed already! SO I called discover back and was told so rudely oh yea well we will mail you a check after it has been 60 days! What! Oh yes its are policy to keep customers money to make sure everything is ok. Really OK with what! The account had only one transaction and it was the deposit, its been 2 days! Well he said so sorry too bad were keeping your money for 60 days then we will mail you a check and it will take another 2 weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX # XXXX, has violated my rights. 

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

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

In accordance with the Fair Credit Reporting act 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

JPMCB CARD XXXX Balance : {$1700.00} I believe the information being reported to be inaccurate.
Product: Debt collection

Alleged Debt {$1200.00} Current Debt collection company - Common wealth finance Original creditor - XXXX XXXX XXXX XXXX Had no knowledge of this account/debt and I have had medical insurance-ALWAYS hence I have no other medical debt period. I had/have No knowledge of this account and certainly didnt know I owed it. It wouldve been taken care of
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have 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 also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

Flagstar Bank purchased my mortgage from my previous company. I did not ask them to purchase it - they purchased it without my knowledge. On XX/XX/2018, I received a letter from Flagstar Bank stating that property in the Special Flood Hazard Area ( SFHA ) as shown on maps published by the Federal Emergency Management Agency ( FEMA ) are required to have flood insurance. They then claimed that my property was in that category. They are incorrect because FEMA has issued a Letter of Map Amendment ( LOMA ) that can be found online, that specifically excludes my property from the SFHA. If Flagstar bank had typed my address into the FEMA database and read the LOMAs issued for our area they could have figured it out themselves. More importantly, the mortgage company that previously owned my loan did not require it because it isn't required. Flagstar should have asked that previous mortgage company. It isn't my job to educate them. After I received that XX/XX/XXXX letter, I called the number listed in XXXX and sent the insurance department the LOMA. Flagstar sent a 2nd letter on XX/XX/XXXX. I called their insurance department again in XXXX and resent the documents. Flagstar sent a 3rd letter dated XX/XX/XXXX and now say I have to pay {$2300.00} for flood insurance that I DON'T NEED and ISN'T REQUIRED. I have uploaded all the documents to them as requested today XX/XX/XXXX. Please help!
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX XXXX and I purchased 2 money orders ( $ XXXXeach ) from a Western Union kiosk in XXXX or XX/XX/2023 however during transport to my house, I lost the envelope containing the money order and receipt. I returned to the kiosk where they provided me the order numbers I then contacted Western Union customer service via email requesting that they utilize the order numbers to investigate and refund the money orders. They said it takes 6 weeks to process but despite attempts to follow up, there has been nothing done to recoup my money. I've tried calling customer service but their automated systems say the customer service can not assist and directed me to refer to their email but still nothing has been done.
Product: Student loan

Every time that I called to try and alter my repayment type, they were saying that there was really no way to improve upon my payments. For some reason, I was still having to pay over {$2000.00} a month. This took a huge hit on my financial situation, and eventually had to go a different private route that has become difficult on its own. I also felt that every time I made a payment, the total principal barely went down. When I questioned this to them, they were saying that I was unable to pay off the principal more, and was only able to pay the interest at this time and what was minimally owned. It became increasingly frustrating that I was being forced to pay so much off, and the principal barely lessened over time. Something definitely seems off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending my CFPB compIaint to inform you that I have been patiently waiting on the response of the Credit Reporting Agencies about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, Sections 605b within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$3000.00}.
Product: Credit reporting or other personal consumer reports

In response to a stall letter dated ( XX/XX/year> ) from Equifax Information Services LLC. see attachment Ive previously requested an investigation into inaccuracies on my credit report ( XX/XX/year> ). The response was : We were unable to locate a credit profile in our database with the identification information you provided Therefore I have included the necessary documents. See attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$14000.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$7000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

hello my name is XXXX XXXX I recently went to purchase a car thinking I had a blank credit report because I have never used my ssn to obtain anything other than my house in my name. they informed me in the dealership that my credit score was mid XXXX. a shocker to me. I created a XXXX XXXX  account to check my credit and there were several fraudulent accounts reporting on my report. I notified my local police department and filed a complaint with the ftc. I would like the following accounts listed removed from my credit report as they as fraudulent and I do not know who opened them. XXXX XXXX XXXX XXXX ACCOUNT # XXXX AMOUNT OWED {$1300.00} DATE OPENED XX/XX/XXXX. XXXX XXXX XXXX ACCOUNT # XXXX DATE OPENED XX/XX/XXXX AMOUNT OWED {$950.00} XXXX XXXX XXXX XXXX ACCOUNT # XXXX DATE OPENED XX/XX/XXXX {$1300.00} XXXX XXXX XXXX ACCOUNT # XXXX DATE OPENED XX/XX/XXXX XXXX ACCOUNT # XXXX DATE OPENED XX/XX/XXXX. XXXX ACCOUNT # XXXX DATE OPENED XX/XX/XXXX AMOUNT OWED {$0.00} XXXX ACCOUNT # XXXX XX/XX/XXXX AMOUNT OWED {$360.00} XXXX  ACCOUNT # XXXX DATE OPENED XX/XX/XXXX AMOUNT OWED {$0.00} XXXX XXXX ACCOUNT # XXXX DATE OPENED XX/XX/XXXX AMOUNT OWED {$0.00}
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report several fraudulent account sand inquiries appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent inquiries and accounts have affected my life and resulted in several fraudulent hard inquiries and accounts and appearing on my consumer XXXX credit report. XXXX XXXX XXXX {$1200.00} # XXXX opened XXXX, XXXX XXXX {$700.00} # XXXX opened XXXX, XXXX XXXX {$3700.00} # XXXX opened XXXX, XXXX XXXX  {$300.00} # XXXX XXXX, XXXX {$940.00} # XXXX opened XXXX, XXXX XXXX  {$1200.00} # XXXX opened XXXXXXXX XXXX XXXX {$3200.00} # XXXX opened XXXX .I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting Agencies Experian, XXXX and XXXX What happened Consumer Name : XXXX XXXX Social Security XXXX : XXXX SSN ), Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent inquiries have resulted in several fraudulent inquiries appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries and account are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that Experian credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX