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

I am a victim of Identity Theft stemming from both the XXXX data breach and the XXXX data breach, in which my personal information was compromised and subsequently misused without my knowledge or consent. On XX/XX/XXXX, XXXX publicly disclosed that on XX/XX/XXXX it had suffered a significant data breach due to Hackers, with a revised announcement in XX/XX/XXXX stating that all three ( XXXX ) XXXX of its accounts were affected and the names, email addressed, phone numbers, birth dates, passwords, calendars and security questions of its account holders were compromised. On XX/XX/XXXX, XXXX disclosed a major data breach between XX/XX/XXXX and XX/XX/XXXX that exposed consumer data, including names, addresses, phone numbers, email addresses, and potentially other sensitive personal information. Due to these breaches, I have reason to believe that my personal data was used to open unauthorized accounts in my name. 

This FTC Identity Theft Affidavit is to report fraudulent accounts showing on my consumer XXXX credit report which I do not recognize and which are the result of Identity Theft Fraud. On XXXX, XXXX publicly disclosed that on XXXX it was breached and XXXX publicly disclosed its breach on XXXX, confirming that the incident occurred between XXXX XXXX XXXX7. Each exposed sensitive personal consumer data and due to these breaches my personal information was compromised and used to open unauthorized accounts in my name without my knowledge or consent. These fraudulent accounts consist of a personal credit card account with XXXX on XXXX, a personal credit card account with XXXX XXXX  on XXXX, a rental lease account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These accounts have resulted in several fraudulent collections, closed accounts, and multiple fraudulent hard inquiries appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 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, collections, and hard inquiries are the result of Identity Theft and Fraud.
Product: Debt collection

I regret to inform you that I can not accept your decision to dismiss my identity theft claim by attributing it to an error or a misrepresentation of material fact. It raises serious concerns as to how and why you possess the authority to determine what constitutes a material fact. It's worth noting that your role does not grant you the powers of a judge or jury, nor any inherent right to make such determinations. I was the victim & Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests According to the guidelines set forth by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the protocol is to adhere to the law and investigate accordingly. 

XXXX XXXX XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!! 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!! 

I am willing to grant you one final opportunity to process my request concerning my identity theft. Failure to do so will compel me to seek legal recourse through the judicial system. In such a scenario, you will be held accountable for the damage caused to my reputation, credit, and the emotional distress I have endured throughout this ordeal. It is highly likely that what constitutes a material fact will become abundantly clear during legal proceedings, and you may be required to compensate me for your negligence.

Please manage your responsibilities accordingly.
Product: Debt collection

I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA XXXX. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.
Product: Checking or savings account

Capital One 360 failed to mail a new debit card to Account # XXXX XXXX XXXX XXXX XX/XX/XXXX nor respond to honorable XXXX Complaint Report XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX further failed to respond to CFPB complaint XXXX requesting litigation in XXXX XX/XX/XXXX. 

Capital Ones legal representation called XXXX XXXX, XX/XX/XXXX at XXXX XXXX stating he had 1-Hour to agree to whatever settlement amount they offered. I request the CFPB order provisional payment over {$50000.00} for their negligence to prevent XXXX XXXX XXXX from banking while leaving the bank account # XXXX open, failure to file and failure to respond to CFPB complaint XXXX requesting litigation in XXXX XX/XX/XXXX.
Product: Credit card

I have XXXX balance transfers with the same credit card that were taken out at XXXX different times. XXXX is a large amount that was taken out first and is now no longer at 0 % -it is 16.99 %. 
The second XXXX is a much smaller amount and is still at 0 %. 
I noticed this month that the principal of my 16.99 % balance had only gone down about {$10.00}, where as my 0 % had gone down {$200.00}. This company is not applying the payment to the highest rate portion of my bill. I do not use this card for purchases and I am not able pay more than the minimum due. This applies to the minimum due and how they are dispersing it. When I called them they said they are allowed to do this and only are obligated to apply any amount above the minimum due to the highest APR.
Product: Credit reporting, credit repair services, or other personal consumer reports

I thought I was receiving free credit report on Transunion website but they ended up charging me {$25.00}! Also they make it hard to cancel subscription.
Product: Debt collection

Verification to Creditors XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This letter is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) that your claim is disputed, and validation is requested.

I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine.

I ask you to provide all following information : 1.Please provide evidence of your authorization under 15 USC 1
692e and 15 USC 1692f in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please provide evidence of your authorization to do business in m
y state. 5. Please provide evidence or proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days from receipt of this notice to respond. Your failure to respond, on point in writing, hand signed, and in timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it For the purpose of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
Kind Regards, XXXX XXXX
Product: Credit card or prepaid card

I have 3 Delta American Express cards. I received a bill for an annual fee on one of the 3 ( the business account ), and called to cancel the card. They cancelled the card, but said they still had to charge me the XXXX dollar feel because I did n't call within 30 days of receiving the bill. I explained that I am very busy, that it was on my to do list, and I did n't get to it, until the time of the phone call. ( Aproximately 2-3 months ) after receiving the bill. They said they expected payment. Since then, the account has been closed but I get monthly bill for XXXX dollars for a service I have not used. I believe this is poor business practices, especially in light of the fact that I have 2 other cards with them and am a loyal customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed in a dispute letter to all 3 credit bureaus for Department of Ed/Navient to verify that the account belongs to me. They sent me a credit report with no verifying documents, just saying verified. They have yet to send in any proof that the account belongs to me, instead Navient has made my score drop and my payment history drop. It said one late payment and now it has 8 late payments, ruining my credit and making it hard for me to get approved for things because of this account. Navient took the late payment ( 1 ) off..made it current then changed it back to late and dropped my score 10 points..they did this twice in one day for a total of 20 points! Today I was notified that it changed to 8 missed payments! Their customer service is horrible to talk to, you can never get anywhere so that's why I went the route of contacting all 3 bureaus and they still didnt resolve the issue and instead of navient verifying the account all they did was add late payments and ruin my score more!
Product: Mortgage

On XX/XX/XXXX, a letter was sent to me to advise that eff XX/XX/XXXX, TCF National Bank and Chemical Bank were merging, my line of credit account would be given a new loan number, and there would be a different way to submit payment online. I followed the instructions and set up a new user profile and once logged in, found I had no information regarding my account. No payment due date, amount due, or balance information is present anywhere on their website. I can submit a payment, but am weary about sending money through this new site when I can't confirm if it's even going to my account. The only contact information provided is a phone number, XXXX. I have called this number every day since XX/XX/XXXX and have yet to get through to a live person. I usually spend an hour on hold before giving up, today I'm at XXXX and said enough is enough, time to file a complaint. How a legitimate financial institution can not provide simple information like payment due and due date, and the outstanding balance is beyond me. And then to not provide a means to speak to someone about their account is inexcusable.
Product: Credit reporting or other personal consumer reports

Transunion has prevented me to gain access to my free credit report via XXXX. Also Transunion will not allow me to initiate an online dispute. 

Transunion is penalizing me for initiating disputes. So this a dirty tactic.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint in response to the recent investigation conducted by the Credit Bureaus. I do not agree with trheir findings and I am requesting for the complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular items in question. I submitted a letter to the 3 Credit Bureaus XX/XX/2022 requesting to corerct the suspicious information I found on my Credit Report. I belive that the Credit Bureaus have not validated these accounts in accordance with the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. It's either the Credit Bureaus correct these accounts or remove completely from my Credit file : XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Balance : {$0.00} DEPT OXXXX XXXXXXXX XXXX Balance : {$0.00} DEPT OF ED/XXXX  XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$10000.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : #, XXXX XXXX XXXX XX/XX/XXXX Account name : #, XXXX XXXXXXXX XXXX XXXXXXXX XXXX Closed Account name : #, XXXX XXXX  XX/XX/XXXX Account name : #, XXXXXXXX XXXX XX/XX/XXXX Account name : #, XXXX XXXXXXXX XXXX  XX/XX/XXXX Account name : #, XXXX XXXX XX/XX/XXXX Account name : #, XXXX  XX/XX/XXXX Account name : #, XXXX XXXX XX/XX/XXXX Account name : #, XXXX XX/XX/XXXX Account name : # XXXX XXXX XXXX XX/XX/XXXX Account name : #, XXXX XXXXXXXX XX/XX/XXXX Account name : #, XXXX XXXXXXXX XX/XX/XXXX Account name : #, XXXX XXXX XX/XX/XXXX Account name : #, XXXX XXXXXXXX XX/XX/XXXX Account name : #, XXXX XXXX XXXX XX/XX/XXXX has violated my rights XXXX 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

My information was impacted in the Equifax data breach and my personal information has been compromised, I see a few fraudulent accounts and inquiries that arent mine neither have I authorized anyone to apply for any of these accounts or inquiries listed below : its to my understanding that I have rights to a fair accurate credit report according to FCRA and consumer laws protecting me and my information. I would like these items removed due to them affecting my credit report and scores and i have no type of association with any of these acounts or inquiries U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.
Product: Checking or savings account

XX/XX/XXXX I was on hold for hours with Capital One my paycheck was never deposited into my account. A automated message was put on the phone line that states its a system wide issue that they have been trying to fix since XX/XX/XXXX. I need my money, bills have to be paid I need food this is insane to not have access to your money that you worked two weeks for. They need to waive all late fees overdraft fees and compensate people for money loss during this process. Now I have to borrow money from people just to survive.
Product: Credit card or prepaid card

I have been charged with late fee even I pay on due date exactly. The capital told me because its when they received the money they posted to my account in which I dont believe that. Because when I make a payment with my debit card like I always do the money go directly to my account and my available money go up.
Product: Credit card or prepaid card

On the morning of XX/XX/21, I awoke to an email from Citi Simplicity Cards telling me that they have closed my account Citi Simplicity Card. The card had a XXXX balance and I have been in good standing with Citi for as long as I had the card. 

I was told there was no activity on the card, which is not actually true as I called Citi to change my address on XX/XX/21 of this year, actually 4 month previous to them closing the card. 

By Citi closing the card, my available credit went down and so did my credit score. I called Citi twice with no resolve and then made a visit to my local Citi branch. They graciously said they would reopen the card after a credit check, which again would be a hit to my credit report and score. I told them NO. 

This is very frustrating as Citi was able to email me for any reason at any time but no email warning about the impending doom of my card and credit scope
Product: Checking or savings account

On XX/XX/2020 at XXXX, I made a cas @ h deposit of {$600.00}, the ATM took and held the funds but they were never deposited to my account, received an error message stating that the ATM could not process cash deposits at the time, it printed a receipt instructing to call the on XX/XX/2020, bank to confirm the the deposit was made to my account, since according to their automated system the bank was closed Saturday XX/XX/2020 when I called right after the incident, and called back again in XX/XX/2020 but the bank was closed too, the bank stated the the funds were not deposited to my account, so submitted a claim, called the bank today to follow up with the claim and the banks has closed the claim starting that the technician did not find any funds in the ATM, and are not willing to reopen the claim or investigate further to solve my issue.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to remove the following unverified accounts from my credit report : XXXX ( Account Number : XXXX ) ** XXXX XXXX XXXX XXXX  ( Account Number : XXXX ) ** Despite being notified months ago that this information was not validated, Experian continues to report these accounts, causing financial harm and emotional distress. This reflects the issues highlighted in the CFPBs recent lawsuit against Experian for conducting sham investigations and uncritically accepting furnishers improbable responses, in violation of the Fair Credit Reporting Act ( FCRA ). 

I demand these accounts be removed within 30 days. Failure to comply will result in legal action. Supporting documentation, including an FTC report, is attached.
Product: Vehicle loan or lease

Hello, I got the new XXXX  XXXX car from the XXXX XXXX dealership on XX/XX/2020. I signed the lease agreement/contract stating payment of {$490.00} ( including sales tax ). the dealership had my driving license data and picture of my DL. They made a mistake and typed my zip code as XXXX, instead of XXXX. 

After a few days later I got a XXXX package from the same XXXX  dealership asking me to sign a new contract as they messed up the sales tax calculation on their part and zip code XXXX has higher sales tax than XXXX. So basically my payment should have been reduced not increased., but XXXX increased my payment. I have this newly updated contract with the corrected zip code and I submitted that to VW credit company. They are not willing to adjust my payment. I tried reaching to everyone in XXXX  customer care/ XXXX  XXXX Dealership but they failed to resolve this issue or not willing to honor my new contract which I have in black & white and signed. 

I have attached a copy of the contract for your review and take action against XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Federal Credit Reporting act. The list of accounts has below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have the right to privacy.

15 U.S.C. 1681 604 A SECTION2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against APELLES LLC for Violations Related to a Fraudulent Checking Account Dear Sir/Madam, I am writing to lodge a formal complaint against APELLES LLC regarding their attempts to collect a debt associated with a fraudulent checking account at XXXXXXXX XXXX . I believe their actions constitute a violation of permissible purpose under the Fair Debt Collection Practices Act ( FDCPA ). 

On [ XX/XX/year> ], I was contacted by APELLES LLC concerning a debt they allege I owe on a checking account that I did not open or authorize. This account is fraudulent, and I have taken steps to report the fraud to XXXX XXXX and the appropriate authorities. 

My specific concerns are as follows : 1. **Fraudulent Account** : The checking account in question was opened without my consent, and I have no association with this account. APELLES LLC has no legitimate claim to collect any debt arising from it. 

2. **Lack of Proper Notification** : I did not receive any prior written notice from APELLES LLC regarding this alleged debt or its origin. 

3. **Unauthorized Access** : APELLES LLC appears to be attempting to collect on a debt related to a fraudulent account, which raises serious questions regarding their permissible purpose to access my personal information. 

4. **Failure to Provide Verification** : Upon my request for verification of this alleged debt, APELLES LLC has not provided adequate documentation proving their right to collect on this matter.
Product: Money transfer, virtual currency, or money service

Since at least XXXX XXXX, 2017 I have been trying to withdraw my money from Coinbase. I get an error that says I am not able to be found in public records, and therefore, am unable to verify my account. Since I am unverified, I am unable to withdraw my money. Even though I was unverified, the Coinbase system had no problem with me funding my account with over {$5000.00}. It let me put money in, but wo n't let me take it back out. 

I have put significant effort into contacting Coinbase customer support to get my issue dealt with. Coinbase has simply ignored my request. In addition to that, I waited on hold for over 2 hours on 3 separate occasions only to have the customer service representative hang up on me after finally getting through. Also, the customer support representative did n't give me any useful information whatsoever and did n't even try to solve my case. 

I would like to scan my Passport or Social Security card in order to prove my identity, so I can then withdraw my remaining balance, and then I would like to PERMANENTLY close my Coinbase account.