23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Good Evening, I have submitted a registered security via the Electronic Fund Transfer Act, it is my understanding that my signature secured the security, in which per your Indenture you are selling that security on the secondary market and making profit daily. I did not GIFT you my signature/security. I expect Considerable Value to be given in exchange. Holders shall have an absolute right to receive payment of the principal of, and interest on, their Notes when due, and to institute suit to enforce any such payment. 

IN SHORT THE CREDIT APPLICATION IS a Asset-backed security ( A ) means a fixed-income or other security collateralized by any type of self-liquidating financial asset ( including a loan, a lease, a mortgage, or a secured or unsecured receivable ) that allows the holder of the security to receive payments that depend primarily on cash flow from the asset, including- ( i ) a collateralized mortgage obligation ; ( ii ) a collateriilzed debt obligation ; ( iii ) a collateralized bond obligation ; ( iv ) a collateralized debt obligation of asset-backed securities ; ( v ) a collateralized debt obligation of collateralized debt obligations ; and ( vi ) a security that the Commission, by rule, determines to be an asset-backed security for purposes of this section ; and Per 15 USC 78c ( a ) ( 79 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by the three ( 3 ) parties listed below : XXXX XXXX. XXXX XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Equifax XXXX XXXX, This is a formal notice that you both, Equifax And XXXX, have failed to respond in a timely manner to my dispute letter that was received by you both no later than XX/XX/XXXX deposited by certified mail with the U.S. Postal Service on that date. 

Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. 
Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and pursuing a federal lawsuit should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. 

For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified, accompanied with the method of verification and, following failure to verify, DELETED from the report as soon as possible : 1. ) Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Instructions : THIS ITEM IS INACCURATE AND UNVERIFIABLE. PLEASE DELETE! 

XXXX. ) Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Instructions : THIS ITEM IS INACCURATE AND UNVERIFIABLE. PLEASE DELETE! 

XXXX. ) Account : XXXX XXXX XXXX XXXX XXXX  Instructions : THIS ITEM IS INACCURATE AND UNVERIFIABLE. PLEASE DELETE! 

XXXX. ) Account : XXXX XXXX XXXX XXXX XXXXXXXX Instructions : THIS ITEM IS INACCURATE AND UNVERIFIABLE. PLEASE DELETE! 

XXXX. ) XXXX XXXX  XXXX Instructions : THIS ITEM IS INACURATE AND UNVERIFIABLE. PLEASE DELETE! 

The listed items are entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days. 

FAILURE TO DO SO WILL RESULT IN LITIGATION FOR FULL DAMAGES! 

Thank You!
Product: Consumer Loan

During XXXX of 2016, I borrowed money from a private institution called " Lending Club. '' I needed the funds to pay off high-interest credit cards and to help with relocation for work. However, I am paying over 30 % in interest on a loan amount of a little over {$16000.00}. 

The interest rate seems too high and disproportionate. I have been making payments on time but it is becoming financially difficult to keep making these high-interest payments.
Product: Debt collection

After reviewing my recent consumer credit report, there appears a collection. the original creditor is a hospital located in California. I have never been contacted by any hospital in California nor any agency on behalf of any hospital. I have no hospital debts. Designed Receivable Solution has violated the FCRA by reporting this alleged debt prior to contacting me. they would have been informed that this debt is not mine. 
In 2021, the Consumer Financial Protection Bureau ( CFPB ) issued a rule for debt collectors limiting when a collector can report information about a debt to credit reporting agencies. This law prohibits a debt collector from telling a credit reporting bureau about a debt before either speaking to the consumer or sending a debt validation notice and then waiting to make sure it's delivered
Product: Checking or savings account

On XX/XX/22 I received an email from what I thought was XXXX stating that I submitted a payment that I did not authorize. I called the phone number on the email and spoke with a man identifying himself as XXXX XXXX, who I believed to be a XXXX representative. He asked me for my social security number and banking information so that he could access my XXXX account which I provided him with. Shortly after providing my information to XXXX XXXX, I received a phone call from my son who oversees my accounts to prevent this type of activity from occurring. He informed me that a XXXX payment for {$500.00} was submitted to XXXX XXXX, that I did not authorize or send. I quickly hung up with XXXX XXXX and called Chase to try to stop the activity. They froze my accounts. On XX/XX/22 Chase bank reversed the XXXX payment of {$500.00} to give me my money back. Then on XX/XX/22 chase bank reversed that payment resulting in a debit of {$500.00} after further investigation. When I spoke with them, they told me that by providing this man with my information, that authorized the XXXX transaction. 

I am XXXX XXXX XXXX with XXXX XXXX causing confusion and impacting my memory and ability to process things in the moment. My doctors believe I may be showing signs of XXXX and I am being medicated for these XXXX XXXX. I was confused, foggy minded, and truly believed I was speaking to XXXX XXXX from XXXX. I explained my cognitive challenges to Chase bank and they told me there was nothing they can do to help me. I did not authorize this payment and provided my information to this third-party while not in the right mindset. I was scammed and want my money back. By not giving me my money back, Chase bank is allowing elder abuse to occur!!
Product: Credit reporting or other personal consumer reports

I find out new collection account from XXXX XXXX XXXX. Original name : XXXX XXXX XXXX. ( opened : XX/XX/2023 ) in my credit report with TRANSUNION. I never had any deal with that company. First of all, I asked this company to prove to me that this is my debt and they didn't. If they can't verify my information, please remove it from my credit report immediately, i know it has to be remove in 30 days. If they can verify that it is my account please provide : method of verification, original contract with my sign and SSN number. Only if they will provide it, it can be verify! But i am sure they can't! This is not my debt, remove this account from my credit history. This is hurting my credit.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to formally request the removal of unauthorized hard inquiries from my credit report. These inquiries appear to be the result of the Equifax data breach and a lack of proper follow-up and verification by XXXX. I seek your assistance in addressing this matter and ensuring that my consumer rights are upheld. 

The specific details are as follows : Credit Reporting Agency Involved : XXXX Equifax Issue : Unauthorized hard inquiries related to the Equifax data breach Request : Removal of these inquiries from my credit report The Equifax data breach compromised sensitive personal information, leaving many consumers vulnerable to unauthorized actions, including unapproved credit inquiries. I believe the hard inquiries on my credit report are a direct result of this breach. Despite reaching out to XXXX to dispute these inquiries, I have not received adequate follow-up or resolution. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or unauthorized items on my credit report and expect prompt investigation and correction. As part of this request, I am asking the CFPB to : Investigate the circumstances under which these hard inquiries were placed on my credit report. 

Require XXXX and Equifax to provide evidence of my authorization for each hard inquiry. 

Remove any inquiries for which authorization can not be verified. 

Attached to this letter, I have included documentation to support my claim, including : Identity theft report and I have documentation of me reaching out to both credit bureaus. 

I respectfully request that the CFPB ensure XXXX and Equifax complies with federal regulations to address this issue promptly. These hard inquiries negatively impact my credit score and financial well-being, and their removal is necessary to restore the accuracy of my credit report. 

Please confirm receipt of this dispute letter and provide updates on the status of your investigation. I am available to provide additional information or documentation as needed to assist in resolving this matter. 

Thank you for your attention to this issue. I trust that the CFPB will take the necessary steps to protect consumers and ensure a fair resolution.
Product: Credit card or prepaid card

Kickoff Lending LLC, appears on my credit report with a limit of {$500.00}, I never applied for credit through them, I have never receive correspondence from them in my name, I disputed this with XXXX, now they have reported a late payment. The phone number they have on file is a recording.
Product: Checking or savings account

I have overdraft protection and yet the Bank of America keeps charging me a {$35.00} overdraft fee! I have three times written to XXXX XXXX .... the branch manager in XXXX, New Jersey but she never has the courtesy to answer me. Yet again I received a bank statement with a {$35.00} overdraft fee!
Product: Credit card or prepaid card

I purchase an item from Home Depot. The item was delayed in delivery. When it was finally delivered I no longer needed the merchandise. I returned the merchandise to the store. The return/refund was approved and I received a return receipt from customer service on XX/XX/2023, see attached copy of receipt. as of today the refund has not been applied to my card. I was told by Home Depot customer service that the refund would take from 3 to 5 business days. Credit card company has not refunded my money. It has been now 30 days. I do not have the item and seller has my money.
Product: Debt collection

I sent a letter to Credit Collection Services to verify a debt they are attempting to collect from me. I gave them 30 days to respond in which I still have not heard back from them. 

I sent the letter certified mail and the tracking number is XXXX
Product: Debt collection

I found numerous fraudulent accounts under my name showing on my credit reports. AWA Collections did not take my identity theft reports seriously and kept reporting false information and harming my history and also being abusive. I gave them a call and the employee was extremely rude and never tried to help. This company is avoiding legal documents such as Identity Theft report and/or Police Report and making my way of recovery even harder.
Product: Credit card

I have two credit cards with Bank of America. I recently had to use both for some major purchases. Today I logged on to set up Auto Pay so that I can pay the debt down. The company has removed the ability to set up a specific amount to be paid each month and only allow the option of Statement Balance or Minimum Due. I find this extremely unfair as I can not currently pay the Statement Balance amount but want to pay more than the Minimum Due. Because I can't schedule such payments any longer and now need to take time to log in each month to pay beyond the Minimum Due. Of course, if I forget or fail to do so for some other reason ( work, health, family, vacation, plenty of reasons this could happen ), Bank of America benefits by earning extra interest on the amount I hold on the credit card and do not pay down each month. This is not reasonable and just a way to juice consumers for more money when they are already making tidy profits on high interest rates. 

I called the company today ( XX/XX/2024 ) and the agent I spoke with confirmed that they did not offer any option for amounts other than Minimum Due or Statement BalancXXXX. I asked if they could set up a recurring payment for me and she said they could not. She took a complaint down and said the company was really good about reading them. I asked if I would hear back from anyone on the issue and she said, " No ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and JPMCB Card, XXXX XXXX XXXX, and XXXX/XXXX XXXX. The Account Opened is JPMCB Card Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00}. The Account Opened is XXXX XXXX Services Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8900.00}. The Account Opened is XXXX/XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

My XXXX credit report shows American Express performed a hard pull on XX/XX/XXXX and another on XX/XX/XXXX. I was not approved for my only American Express card until XX/XX/XXXX. Their application process states they only perform a hard pull upon approval. 

I filed a complaint with AmEx, but they incorrectly referred to the XX/XX/XXXX pull as a soft pull and refused to remove it. However, my credit report clearly shows it as a hard pull under " Regular Inquiries, '' not " Account Review Inquiries '' where soft pulls appear. 

AmEx 's response ( attached ) falsely claims the XX/XX/XXXX inquiry was soft and provides no valid reason for its refusal to remove it. 

XXXX does not offer a direct way to dispute this, and AmEx seems to have misunderstood the issue. 

Please remove this unauthorized hard pull from XX/XX/XXXX. I have attached proof of my sole AmEx account, opened on XX/XX/XXXX, documentation that my XX/XX/XXXX application was denied, and proof of AmEx 's policy to perform a hard pull only upon approval.
Product: Debt collection

Midland Credit Management began contacting me in XXXX of 2020. The agents constantly called me trying to get me to pay a debt to a company that I was never a consumer/creditor with. They violated my privacy, which made me feel like they were committing identity theft upon me. They sent papers to my house multiple times with their intimidating logos and their messages. They made me feel guilty for something I had never done regarding their company. They made me feel worthless and that my reputation was ruined. I believe they used false and misleading claims/communication along with unfair practices telling me that I owe something they have no proof that I owe. 
They stole my identity by locating my information, i.e. my name or social security number, and I never gave them consent to use it. 
I know this is a violation of my rights under 15 USC 1692 and 15 USC 1692c.
Product: Payday loan, title loan, personal loan, or advance loan

I contacted the company around XX/XX/XXXX to request a XXXX extension for the next upcoming payment due to an injury at work and pending XXXX pay. The agent informed on a recorded line that if I paid a {$15.00} late fee, the extension would be approved until the XX/XX/XXXX payment due date. On the XX/XX/XXXX payment date the payment was automatically debited from my checking account and I resumed monthly payments thereafter with no delay. When I checked my credit reports in XX/XX/XXXX I noticed a late payment was listed for the account. I called member services and asked why the late status was listed if I was approved for a XXXX extension. The agents stated the extension was not correctly labeled in my account. I asked for the issue to be corrected. I checked my credit again in XX/XX/XXXX and now there is a second late payment reported on the account ( for a total of XXXX late payments ). I checked my XXXX bank statement and all payments from XX/XX/XXXX - XX/XX/XXXX and from XX/XX/XXXX, XXXX XXXX, XXXX have been automatically debited from my account as agreed. The company has failed to correct the information and is fraudulently charging a {$15.00} late fee on my account every month for the past XXXX months despite automatically withdrawing the payment amount monthly.
Product: Debt or credit management

I called on XX/XX/year> they said I could pay 70 % of the bill on XX/XX/year>. 
This bill was for a XXXX lady who lived in the house 2 adults and XXXX children. The winter months were more than they could pay and it was in my name I called today to pay and was told now I had to pay 90 % because it expired on XX/XX/year>. 
I ask them to play the tape back it was recorded and I was told that to pay XX/XX/year>. 
I requested a supervisor. He said he would play it back and coach the employee but this was my problem. I feel it was unfair.
Product: Credit reporting or other personal consumer reports

I'VE BEEN WORKING WITH THE OFFICE OF THE CONSUMER AFFAIRS TO DISPUTE FRAUD ACCOUNTS ON MY CREDIT FILE WITH EQUIFAX AND I'M GETTING NO WERE. I TALKED TO A LADY IN THE OFFICE OF THE CONSUMER AFFAIRS ON FRIDAY OF THIS WEEK AND SHE STATED HER HANDS ARE TIED BECAUSE SHE DOESN'T EVEN HAVE A OPTION TO DELETE OR SEND TO THE BACK OFFICE TO HAVE BLOCK PER THE DOCUMENTS I HAVE MAILED TO THEM. SHE DID STATED THE POLICE REPORT AND COURT DOCUMENTS HAVE BEEN VERIFIED HAS VERIFIED AND SHE CANT EVEN ATTACHED THE DOCUMENTS TO THE DISPUTE. SHE STATED THAT ACTUALLY AT FAIR REPORTING ACT PROBLEM AND EQUIFAX KNOWS IT AND THEY WANT LET ANYONE FIX AND HEAD PEOPLE OF EQUIFAX TOLD THEM NOT TO SAY ANYTHING. I HAVE SEVERAL ACCOUNTS ON MY CREDIT FILE THAT ARE FRAUD AND EQUIFAX KNOWS IT. THEY WANT HELP ME AND THEN THEY SAY IT WILL BE FIXED IN 3 DAYS AND THE ACCOUNTS WILL BE REMOVED AND BLOCKED PER THE POLICE REPORT AND FTC REPORT I MAILED IN. NEVER HAPPENS, IT CRAZY HOW THEY SAY SEND US PROOF AND WE WILL HELP AND THEN THEY SAY WE WILL DELETE THE FRAUD ACCOUNTS AND NOTHING HAPPENS. NOW MORE ACCOUNTS ARE HITTING MY FILE THAT ARE FRAUD AND NOW THE ACCOUNTS UNDER DISPUTE THE BANKS AND CREDITORS ARE UPDATING THEM ARE LEGIT AND I HAVE THE PROOF THEY AREN'T AND EQUIFAX HAS IT AND NOTHING GETS DONE. THIS WRONG ON ALL COUNTS, I WILL NOT STAND FOR IT AND IM A NEWS REPORT AND I WILL EXPOSE EQUIFAX FOR THIS. THEY ARE ALLOWING PEOPLE TO USE MY IDENTITY AND NOT ALLOW ANY PROOF TO BE USED BUT THE BANKS HAVE FULL CONTROL OVER PROOF AND YOUR PROOF DOESN'T MATTER. YEAH THATS NOT HAPPENING. I HAVE FILED LEGAL ACTIONS AGAINST EQUIFAX IN XXXX XXXX XXXX NC AND SUING FOR XXXX XXXX FOR AOLLOWING BANKS AND CREDITORS TO TAKE OVER MY CREDIT FILE AND NOT HAVE THE DISPUTED ITEMS REMOVED OR BLOCKED ON VERIFIED DOCUMENTS I MAILED INTO EQUIFAX. EQUIFAX IS NOW UNDER INVESTIGATION ALREADY FOR FRAUD AGAINST INVESTIGATION WITH CFPB AND FTC FOR NOT GOING BY THE FAIR ACT OF THE CREDIT LAWS, WHEN THESE ACCOUNTS ARE REMOVED AND BLOCKED I WILL DROP THE LAWSUIT BY NOT UNTIL THEN. IM DOING A STORY ON XXXX XXXX ON TUESDAY CONCERNING EQUIFAX AND HOW THEY DO INVESTIGATIONS INTO FRAUD ACCOUNTS AND THEY LET THE BANKS AND CREDITORS UPDATE INFORMATION ON PEOPLES CREDIT FILES WITHOUT PROOF BUT THE CONSUMER SHOWS PROOF AND NOTHING GETS HANDLED, FIX IT NOW OR ADDING MORE LAWSUITS AGAINST EQUIFAX AND I WILL EXPOSE EQUIFAX WITH THAT RECORED PHONE CALL WITH THE OFFICE OF THE COMSUMER AFFIARS SAYING WE CANT ATTACH OR BLOCK OR DELETE AND WE ARE IN ANOTHER COUNTRY AND ALL WE DO IN TELL THE CONSUMER WHAT THEY WANT TO HERE. THEN SHE SAID THEY WERE TOLD NOT TO SAY ANYTHING CONCERNING THEY CANT ATTACH ANY DOCUMENTS TO A FRAUD DISPUTE OR SEND UP TO HAVE BLOCKED PER THE DOCUMENTS YOU SEND IN, THIS IS CRAZY EQUIFAX. PEOPLE DESERVE BETTER