23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third time trying to remove XXXX XXXX from my credit report. Experian claims it has been removed and it still as of XX/XX/2020 has not been removed. Please refer to prior complaints XXXX and XXXX. How did Experian Verify this information? In both Complaints, I furnished a Settle and release agreement document on XXXX ( XXXX XXXX ) account # XXXX. This document is validation for removal. What is CFPB going to do about this? CFPB was built to protect the Consumer, last I looked that would be me. Experian has yet to do what they claimed to have done in the previous two complaints. XXXX XXXX XXXX   inaccurate is still on my credit report.
Product: Checking or savings account

At first I absolutely loved sofi, especially how you can do everything in the app from investing to creating savings vaults. However my opinion has greatly changed since my account was restricted a week ago. Money can come into my account but not out. I've called every day since for an update but they won't give me answers due to it being under review by their " internal review team ''. I have been unable to access my funds at all and I'm about to default on some bills, thank good I have a good relationship with my father who is helping me for the time being. I'm extremely frustrated that they will not give me any answers on how to resolve this or even why it was restricted in the first place.
Product: Credit reporting or other personal consumer reports

My problem is with two entities ; XXXXXXXX XXXX and XXXX XXXX. Because I am disputing an outragous dental bill from XXXX XXXX in XXXX, California, these two entities chose to ignore/wave off/be indifferent to the dispute, even though I specifically mentioned the dispute. I am a senior citizen with limited funds, and although these entities are undoubtedly simply following their procedures, I refuse to be pushed around by them. So yes, sorry I'm making a big deal out of it, but I've been pushed around by financial entities before, and this late in life, I'VE HAD IT! 
Because it took so long for XXXX XXXX to adjust their previously invalid bill, and because yes, I refused to make a payment on a bill with no validity, XXXX XXXX and XXXXXXXX XXXX  have imposed punitive measures accusing me of " late payment '', measures designed to punish me, and destroyed my previous good credit by dropping my credit score by almost XXXX points. This has SEVERE ramifications for me and neither of these wealthy companies could care less! 
They're all so disgustingly pleasant on the phone, masking their true intentions, and intent on punishing me because I won't roll over and accept their lofty superiority in these matters. This experience has been a miserable burden!
Product: Credit card or prepaid card

On XX/XX/2023, my Marcus ( by Goldman Sachs ) GM rewards credit card account was closed for no apparent reason. I spent over two hours calling and chatting with card specialists who told me that I failed to agree to some document that none of them could produce. They would not re-open my account nor would they allow me to apply for an new one. Then I tried applying for their business card. They approved the application on XX/XX/2023 and sent me a new card. I activated the card per their instructions but on XX/XX/2023 they sent me an email closing my account... again, with no explanation. I called and asked for a reason and they simply told me it was " regulatory. '' There is discrimination going on here and that's why they won't give me an honest answer.
Product: Debt collection

Hayt Hayt Landau PL. filed suit for a " Debt '' they claim is owed to them. There have not been any contract entered in with such company ( except notice mail. later ) and by attempting to " collect '' are in violation of a default notice ( certified letter XXXX sent asking them to show verification or validation or cease actions. They failed and now have filed a suit. 
Their claims are invalid and are of a fraudulent construction. All details are not revealed making them further incorrect in their claims. They also have not told the price they bought consumers debts for.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts and inquiries. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud.XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX Date XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX ; INQUIRIES XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX and XXXX Inquiry Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account NumberXXXX Creditor Name : XXXX XXXX XXXX Dear CFPB, I am writing to formally file a complaint against XXXX XXXX XXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ).

CARES Act During the national emergency caused by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by XXXX XXXX XXXXXXXX . Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law.

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report.

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXX XXXX XXXX about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA.

Request Therefore, I request that the CFPB investigate this matter and require XXXX XXXX XXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect.

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

dear equifax, I recently discovered some unauthorized inquries reporting on my file. Please remove them from my credit file.
Product: Debt collection

I received a letter from an Attorney on behalf of XXXX XXXX. That is clearly a violation of 15 USC 1692e ( 3 ).

A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. 

This is just going to far and XXXX XXXX is becoming a nuisance. I will be filing for default judgement soon as I have all the evidence. Also XXXX XXXX statedbthey would have XXXX attempt to help collect the debt below. That is also another violation of 15 Usc 1692e ( 14 ) ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. 

Also XXXX XXXX keeps saying they have validated the debt. All they did was send statements, that is not proper debt validation pursuant to 15 USC 1692g and they never mentioned who the original creditor is which was the consumer.

Pursuant to 15 USC 1611 & 15 USC 1640, XXXX XXXX has civil liabilities and can be held criminally liable. 

XXXX XXXX has now incurred over 20 various violations and now this case is now eligible for district court. Will be in contact with the US AG XXXX XXXX.
Product: Checking or savings account

Hello, I don't understand why capital one has decide to close my account because i m 100 % sure that i do not made any activity that need to be considered like anormal or suspected. 
A person who has a bank account is supposed to make bank transfers between their own accounts or to make a payment, as well as pay with credit cards or services and use tools like XXXX to receive or send money to relatives. 
I do not share the bank 's information that the above is considered an abnormal activity of a client. 

So why does the bank decide to close my account by sending me an email with the following information : Were closing your account ending in XXXX XXXX XXXX, Your account ending in XXXX will close on XX/XX/year>, because Capital One has observed activity on XXXX or more of your Capital One accounts that is inconsistent with typical customer account usage. ( When you opened your account, you agreed to the disclosures reserving our right to close it at any time, for any reason. ) Since were closing your account, youll need to : Stop writing checks from this account immediately. 
Redirect any automatic debits and/or direct deposits. 

Also, you wont be able to open any new accounts in the future. 

You can close your account before XX/XX/year>, if youd like. Otherwise, well close it and transfer your money to a linked external account if you have one. If you dont have a linked account, youll receive a check in the mail within 10 business days from closing at the address we have for you on file. 

If you have any questions, give us a call at XXXX, XXXX XXXX XXXX  XXXX, 7 days a week. Well be happy to help you.
Product: Credit reporting or other personal consumer reports

Last year when i found out that i was a victim of identity theft, i quickly found out that it was my XXXX XXXX that opened accounts under my name without my consent. I contacted the bureaus, they instructed me on what to do, i did exactly what they told me, however not everything that was fraudulent was removed from my credit report. I need help
Product: Debt collection

On XX/XX/2022, the medical debt vulture company, XXXX XXXX XXXX XXXX XXXX XXXX, sent debt they purchased from XXXX XXXX XXXX XXXX to Shermeta Law Group. On XX/XX/2022, Shermeta sent me a letter saying they were servicing the debt now. They call this their demand letter. There was no demand for payment, no option for a payment plan, nothing. Just a letter from a law group with a law group letterhead saying they service my debt now. This was intended to intimidate me. I sent back a letter to them disputing and asking for validation on XX/XX/2022. Shermeta sent validation showing XXXX XXXX of purchased medical debt leading to Shermeta Law Group between XX/XX/2022 and XX/XX/2022. But, by XX/XX/2022, Shermeta Law Group had drawn up both validation and legal papers to sue me, filing the legal complaint XXXX days after the dispute was received, with a summons ultimately issued on XX/XX/2022 in the XXXX XXXX in XXXX XXXX MI. Service was attempted the week of XX/XX/2022, but I was out of town. I called Shermeta and spoke with XXXX on XX/XX/2022 who told me that I 'can ' respond to the summons after I am served, misrepresenting the fact that no answer virtually always means a judgment in their favor. I set up a payment arrangement that day, XX/XX/2022. They told me there was 'nothing ' they 'could do ' about dismissing the lawsuit because XXXX XXXX with the courts now. ' This is another lie. On XX/XX/2022, I paid in full and called the next week to ask whether this could get Shermeta to serve me dismissal papers. They said the lawsuit was 'canceled ' and nothing else would happen with the lawsuit because I paid in full. This is yet another lie because I was served today, XX/XX/2022, over this fully paid debt. I believe they broke the law with the timeframe between my dispute and their lawsuit. I think they attempted to deceive me into not answering the court case. I think they lied by telling me they can't do anything to dismiss the case. I think they lied and will continue to try to collect on this debt to double, maybe even triple collect. If they're trying this with me, they've done it to others. Last, I think they are nothing but a law firm that uses incredibly deceptive and aggressive methods to collect for clients. They took my down payment for my first house for my children and gave it to corporate investors. I know it was my debt -- it was for the birth of my child -- but there was no offer for partial payment or even a payment plan before they filed legal paperwork. They should not exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX  Bankruptcy XXXX XXXXXXXX XXXXBankruptcy XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This morning I was made aware that my sensitive personal information ( including my Social Security Number, Date of Birth, address, Driver 's License information, and credit card numbers ) may have been obtained by unknown hackers from the credit reporting agency Equifax. 

I immediately checked the website Equifax established for those affected, www.equifaxsecurity2017.com. I was panicked, and wanted to do everything I could to protect myself as quickly as possible. I was concerned when the registration form asked for the last six digits of my SSN rather than the four that are typically required -- especially given the circumstances -- but communication from Equifax and other officials was poor so the whole situation felt urgent and uncertain at the same time. I decided to complete the registration despite my reservations.
Shortly thereafter, I discovered that I may have waived my rights to a class action lawsuit by registering for this website. While Equifax did make the following statement on their website www.equifaxsecurity2017.com claiming that the waiver would not apply to this latest cybersecurity incident, my trust in their intention and ability to handle this situation with integrity is somewhat compromised : " NO WAIVER OF RIGHTS FOR THIS CYBER SECURITY INCIDENT In response to consumer inquiries, we have made it clear that the arbitration clause and class action waiver included in the Equifax and XXXX XXXX terms of use does not apply to this cybersecurity incident. '' As a modern American citizen I have no choice but to participate in the credit system. Even something as simple as getting an apartment demands the exposure of my most sensitive and vulnerable information. Throughout these ordinary experiences, I have implicitly trusted that those responsible for collecting and protecting my information would exercise unfailing vigilance. With hundreds of millions of lives at stake, the enormity of that responsibility can not be understated ; their catastrophic negligence in this matter is equally difficult to articulate. 

Equifax is responsible for the protection of our financial lives at no cost for the rest of our lives. Nothing less. Any legal, financial, personal, or other problems that may arise from their negligence is also their responsibility to bear. They violated a sacred trust that we had no choice but to grant them. They deserve to suffer the fullest extents of civil and criminal justice, and I will not be denied my own justice because of a sneaky waiver in an urgent situation. 

Thank you.
Product: Credit card or prepaid card

I have had my identity stolen. This started on XX/XX/2022 and have closed all the accounts except a chime account that was opened fraudulently. The only way to contact chime is through a customer service email address.On XX/XX/XXXX I sent a email to the fraud email they have on their website and have not received any response. I will not be held reliable for any losses. I have XXXX and they can not even help to close it. Chime is a not a legitimate business.
Product: Debt collection

XXXX XX/XX/XXXX : Received a statement from Hunter Warfield Inc. stating that {$2500.00} was owed. I called Hunter Warfield and they said the money was owed to XXXX XXXX in XXXX, AL, an apartment complex I used to live at, for 'cleaning and damages '. I disputed the claim. I also called XXXX XXXX directly to ask why this debt was owed and they declined to respond. This was a surprise to me, as I had received a final account statement back from XXXXXXXX XXXX when I left and received my full security ( {$350.00} ) deposit check in the mail two months later. 

My wife submitted a dispute on the Hunter Warfield website in XXXX. 

XXXX XX/XX/XXXX : I received confirmation from Hunter Warfield that the debt was disputed and that XXXX XXXX had not responded. 

XXXXXXXX XXXX order Hunter Warfield to collect a fraudelent debt from me. As you can see in attachment XXXX, XXXX issued me a final account statement, stating that there were no charges after move out, dated XX/XX/XXXX, and even returned me the {$350.00} deposit that I gave at move-in in XXXX of XXXX. Hunter Warfield sent me a statement dated XX/XX/XXXX with the {$2500.00} charge. This was not consistent with my statement at move-out. 

Additionally, I have 10 months worth of on-time rent payments and {$0.00} account balances to further highlight the fact that there is no such debt owed to XXXX XXXX XXXX This is not attached because it contains personal information.
Product: Debt collection

I have attempted to speak with Central Financial Control to verify the debt on multiple occasions. They keep stating they are not receiving my attorney 's faxes with her letter of representation. I have attempted to contact them in order to verify the debt, despite the fact that they have never sent me any documentation via mail but reported debt on my credit report. Now I call and no one answers the phone number. This is extremely frustrating as I am being denied a loan due to this outstanding account. I did some research and it seems this is n't the first time this company has done this to consumers.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
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: Debt collection

Per last report to Equifax on XX/XX/XXXX XXXX XXXX opened XXXX XXXX. 
Per Equifax report last payment made on XX/XX/XXXX. 
Per Equifax report shows balance of {$2500.00}. 

I have continuously been disputing XXXX XXXX opened XXXX XXXX however, have not received original contract with my signature. I need to obtain verification from XXXX XXXX verifying the debt belongs to be with proof of contact. 

*On XX/XX/XXXX XXXX XXXX telephone service was open in my name that was approved by me and I had no issues obtaining services. 

Thank you for your prompt response. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I sent a complete and detailed XXXX misconduct form XX/XX/year>. After waiting 30+ days for XXXX  to come to a decision, I receive an e-mail on XX/XX/year> telling me that I was denied but didn't list the reason why. Mind you this application included several court documents, some from the CFPB, that XXXX was guilty of misconduct. It is my belief that they are denying me for NO REASON.