23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Someone stole my personal information and applied a Bestbuy credit card. But the address that the person used to applied the credit card account wasn't my address. It was my sister 's old address ( My sister moved out from this address since last XXXX but she goes to pick up letters from the old address periodically ). The credit card was mailed to my sister 's old address and my sister informed me on XX/XX/XXXX that I had a credit card sent to her old address. I was shocked because I never apply any credit card recently and I called the # on the back of the new credit card and informed the representative that it was a fraud and requested the credit card to be cancelled immediately. The representative confirmed me my personal information and cancelled the credit card and give me another phone # XXXX to call the coming Monday to place credit alert on my credit report. I was told the fraudulent amount is about $ XXXX.The representative also told me this will be investigated by the ID Theft department and the result will be mailed to me within 30 days. 
I placed freeze request on credit report for 3 credit bureau immediately after the call. 
I also called the investigation department on XX/XX/XXXX by XXXX. I also told the same thing. This issue is under investigation and result will be mailed to me within 30 days. 
Besides that, I received credit card denial letters from XXXX and XXXX XXXX.
Product: Debt collection

Nelnet broke the law!! They stole money out of my bank account that I never gave authorization to do so. I never communicated with them nor did I give my bank information for them to take my money. There is no written or electronic consent given. If they can not provide a document that shows me giving consent I will be taking legal action immediately. I am a federally protected consumer and they need to abide by the law. 

15 U.S. Code 1692f ( 1 ) - Unfair practices
Product: Debt collection

COLLECTION ACCOUNT FROM JEFFERSON CAPITAL SYST WITH ACCOUNT # XXXX AND A BALANCE OF {$3800.00}. THE ORIGINAL CREDITOR IS XXXX CREDIT. I NEVER HAD A CONTRACT WITH THIS DEBT COLLECTOR FOR ANY DEBT.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( Date XXXX XXXX XXXX XXXXXXXX Active : XX/XX/year> XX/XX/year> XX/XX/year> Date of Last Payment : XX/XX/year> XX/XX/year> XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action. 
It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically cashapp failed To take timely and effective measures to prevent an address frauds on their platform leaving my account vulnerable and unprotected. Furthermore, theres dispute process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I have requested debt verification of this debt and have yet to receive it.
Product: Credit reporting or other personal consumer reports

LVNV Funding LLC has five different debts on my credit report under the same account number with different amounts. The amounts are {$1000.00}, {$730.00}, {$650.00}, {$460.00}, and {$340.00}. I don't know who this company is and if they have bought a debt from another company that was not authorized.
Product: Credit reporting or other personal consumer reports

As per the guidance from the CFPB, the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX debtbondage, which falls uder XXXX XXXX accourding to XXXX XXXXDebt Final rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block andremove this information from my credit report with FOUR BUSINESS DAYS. 

Please delete the following accounts : XXXX XXXX XXXX XXXX. {$460.00} XXXX  XXXX bankruptcy : Bankruptcy bal. {$0.00}
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c-7, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information thus from an alleged identity theft, not later than 4 business days after the date reception. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!!

Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b- Permissible purposes of consumer reports in general to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTIONS consumer to whom it reaches. I NEVER GAVE any consumer reporting agencies to report anything on my consumer report which violates my rights as a consumer. 
NO CONSENT IS IDENTITY THEFT. As a consumer who is demanding the deletions of the accounts listed IMMEDIATELY!!!
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a short-term personal loan with a high interest rate company called XXXX XXXX  as a returning customer on XX/XX/XXXX of 2024, The application was on the phone and they told me the funds were going to be available by the end of the next day yet I haven't received them till XX/XX/XXXX at XXXX XXXX. part of the information they requested was how frequent do I get paid and what day do I get paid on normally and they have explained to me that their interest is on daily basis and that the sooner you pay off the loan the less interest is being paid off with. The first payment with interest was scheduled on XX/XX/XXXX which is the date of my payday though I have elected to also pay down the whole principal. However, the company is trying to charge me interest for XXXX weeks although I had the loan for only XXXX week and they're trying to tell me that it's written in the payment schedule ( that I didn't get a chance to see till later because of their system upgrade as I mentioned before ) and that they can't do anything about it and they refused connecting me to supervisor or a loan writer saying that the system won't prompt them to because the payment is still being processed.
Product: Debt collection

I XXXX XXXX am submitting this complaint on on my behalf there is no this party involved. This complaint is to serve as a second and final notice prior to arbitration of KeyBank failure to acknowledge receipt of my billing error that was sent and delivered to the company on XX/XX/XXXX. 2022 ( Exhibit Attached ). Not only did KeyBank fail to acknowledge my billing error dispute after conducting my own investigation on my most recent consumer report as of XX/XX/2022 I found a numerous amount of inaccuracies and violations of the FCRA. The furnisher Keybank is furnishing inaccurate and incomplete information which is a violation of XXXX XXXX XXXX. This information is inaccurate and I demand the appropriate corrections be made. Failure to respond or resolve this matter in the attached exhibit you will find my pre arbitration demand letter in which I will not hesitate to initiate shall you not comply any farther. The failure to correct the billing error on my account along with the adverse actions taken by the Keybank in which should have been arbitrated if there was ever a dispute amount any amount owed. I have reason to believe and do so believe there are misapplied credits and I have suffered injury due to KeyBank being deceitful about the nature of this transaction my reasons are included in the Exhibit. These events have jeopardized my relationships with other Finacial institutions and I have not been able to obtain housing or any means of credit because of your non compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a method for verification letter, requesting information in detail on how my alleged late payment was verified. I have NEVER been late in the over 6 years I've held my XXXX XXXX card. The bureau alleged that I have one late payment in over 6 years of having the card. When the copy I just sent shows there are several inaccuraties in my credit report dealing with my XXXX XXXX account. By law, 100 % of my information is supposed to be accurate and it clearly not accurate. 

Please provide me as my letter states the method of verification or remove the late payment from my credit report.
Product: Debt collection

Demand for Disclosures under Rule 26. 
Dear XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and Nationwide Title Clearing corporation : : I am prepared to file my legal Action against all parties who during last six years defraud ; gaslight and terrorize me with demands of payments for the virtual " loan '' [ information about money ] - particularly XXXX XXXX XXXX who mail me correspondence, notices, " billing statements '' fraudulent " Modifications '' ; illegal " Payoff Statements '' where I instructed to send my money to XXXX XXXX " cash management '' acting under glimpse of fake " Servicer '' XXXX ''. 

Now someone secretly processed " foreclosure '' without any Notices to me- likely XXXX and XXXX XXXX  and used forged by Nationwide Title Clearing fake " assignment " to steal my property via criminal foreclosure on XX/XX/XXXX. 

Since this is a very big and complex litigation, I want to avoid mistakes and include wrong parties or not include right parties. 

Under Federal Rule 26 of Civil Procedure I have right to demand initial disclosures, XXXX and XXXX must, without awaiting a discovery request, provide to me : ( i ) the name and the address and telephone number of each individual likely to have discoverable informationalong with the subjects of that informationthat the disclosing party may use to support its claims or defenses. Particularly, name of my Creditor and its mailing address and phone number. The name of individual employee of my creditor who hired XXXX to send me correspondence, billing statements, " Modifications '' and " payoff statements ''. Name of eachg XXXX employee who processed these documents and sent them to me. 

XXXX must provide me Contact information for XXXX  Vice President XXXX XXXX and Notary XXXX. 

( ii ) a copyor a description by category and locationof all documents, electronically stored information, and tangible things that the disclosing party has in its possession, custody, or control and may use to support its claims or defenses,, specially proof of distribution to Investors ; and accounting ledger for my loan. 

XXXX must provide me the full list of all documents their employees reviewed before they executed an assignment in favor of XXXX on XX/XX/XXXX ; state time and place where my alleged Mortgage was sold ; and the full amount of consideration, in $ $ XXXX paid for my Mortgage. State the name and position of the individual employee who made this payment. State the name of individual employee who received this payment ( iii ) for inspection and copying as under Rule 34, any insurance agreement under which an insurance business may be liable to satisfy all or part of a possible judgment in the action or to indemnify or reimburse for payments made to satisfy the judgment. 

Copy of my Complaint is attached and will be filed shortly Please provide all requested documents in 7 days or no later than XX/XX/XXXX. 

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

I did not apply to the following places for a vehicle. I have contacted each one and they said they can't do anything about it, and they blow me off like it's my problem, when they are the ones who looked up my credit. But it shows a negative on my credit report because all these finance companies checked my credit report. I don't live in XXXX. The only two states I have lived in for the last 30 years is XXXX  and XXXX XXXX. I have not looked for a car finance company at all. If I did, I would go straight to XXXX, where I know I can get it financed. 

XXXX  XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is using an automatic system E-ocasr or equivalent to verify inaccurate information on my credit report, Experian is reporting 2 separate Closed accounts with {$0.00} credit limits and inaccurate payment history. 

One XXXX card Experian is reporting a balance of {$4400.00} with a credit limit of {$0.00} with a past due amount of {$1800.00} that same account is reporting 120 days late in XX/XX/XXXX and 120 days late in XX/XX/XXXX with no high balance reporting the second XXXX card Experian is reporting a balance of {$1300.00} with a credit limit of {$0.00} with a past due amount of {$1200.00} that same account is reporting 120 days late in XX/XX/XXXX and 120 days late in XX/XX/XXXX with no high balance reporting XXXX  and XXXX  are reporting no such accounts on my credit file
Product: Mortgage

Loan # XXXX was sold by XXXX to NewRez. NewRez is supposed to pay mortgage insurance with part of the payments I send them. Last month, they didnt pay insurance, and my insurance company, XXXX, was finally going to cancel my insurance, so I paid it myself. So essentially I paid it twice. I tried calling NewRez and got transferred twice, the last time was to a useless voice recording with no help options. I emailed NewRez. On XX/XX/XXXX, they responded : We received your email and are working to gather the requested information and will respond as soon as possible.. Its the XXXX now, so no response in 20 days. My next payment is due and I dont want to overpay again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 7 years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30 days. I have a unverified account XXXX XXXX XXXX. I had previously disputed this account. I have never done business XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX Cease and Desist and I do not have any accounts with that company error please delete. See attachment below.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here I will list all the companies that the performed inquiries not authorized by me : XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I was approved for a {$1000.00} installment loan. The lender has my bank account number and routing number as well as my social security number and other personal information. 
I was just informed that even though I was approved for the loan they have decided not to fund it. No reason was given but I strongly suspect they are discriminating against me because I am XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a paid medical collection account with Experian on XXXX that should not be on my credit report. I received the results on XXXX which stated that the account was accurate and would NOT be removed from my credit report. The medical collection account was with XXXX XXXX account XXXX which was for XXXX XXXX XXXX in the year XXXX. This medical debt for XXXX XXXXXXXX was paid and legally discharged in Bankruptcy in XXXX. Per XXXX own website paid medical debt was to be removed from credit reports effective XX/XX/XXXX. There is no way that Experian did any type of investigation into this medical collection that was for XXXX XXXX XXXX in the year XXXX account that I disputed on XXXX as if they had it would not still listed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), Pursuant to 15 USC 1681b ( a ) ( 2 ), Pursuant to 15 USC 1681c2 ( a ) ( 2 ), MY RIGHTS AS A FEDERAL PROTECTED CONSUMER HAVE BEEN VIOLATED. NO CONSENT IS IDENTITY THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$11000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX balance : Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
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
Product: Debt collection

This company has filed a record on my credit report. I have no knowledge of it since they did not mail me anything. They might have violated FDCPA by not notifying me. I am afraid they have stolen my identity. 

I have no made business with them and I do not owe them anything. 

Please get a cease and desist from me
Product: Credit card or prepaid card

Barclay 's sent me a letter dated XX/XX/21 that if I didn't use credit card my card within 30 days, the account would be closed due to inactivity. A review online of my account on XX/XX/21 showed the account had already been closed. After calling Barclays Customer Service the same day, I found out that they closed the account on XX/XX/21 and would make me reapply to have another card. The credit line on the card was {$13000.00}, this has now caused my utilization rate to increase significantly, impacting my credit score. The representative didn't appear to know how I could formally file a complaint with his company, except to have somebody call me. He certainly didn't seem to know how to log any CFPB complaints internally. It's unclear to me how a company can send a letter saying I have a certain number of days to do something and then take action prior to allowing the given timeframe for that to occur. They also took away any points I had accumulated by closing the card.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I paid the balance of {$43.00} that was due from XXXX XXXX XXXX. I even retook a loan out and have made my payments on time as of XX/XX/XXXX. I disputed the information on my credit on XXXX however all three credit companies said it was valid and did not remove off my credit. The balance of {$43.00} was not written off and has been paid. It should be removed from my credit report.
Product: Money transfer, virtual currency, or money service

I'm afraid this is the 2nd time in 1 week this happens with BlockChain.

I had crypto in 2 accounts. Both in " reward '' wallets ( meaning : a wallet where you let the platform use your crypto ( which turned out to be a huge mistake from my end ) and in turn get some interest.

As I wanted to move from BlockChain to XXXX, the 1st step is move the crypto from those " Reward '' accounts back to ( non-custodial ) normal private accounts.

BlockChain is trying to prevent my leaving by keeping MY crypto HOSTAGE : for over a week now, they refused to migrate my crypto back from my reward wallet to my private wallet. We're taking over XXXX $ here so that is a large sum. The reason being obvious to me- either they have not enough fractional reserve or they are making up all kinds of excuses not do to so immediately to make some extra buck quickly. 
So I got questions like " where have you been the last 3 months '' - none of which is their business. I have no less than 3 security measures installed ( password, XXXX and face recognition ) so they have also no reason for insisting on such privacy breaching inquiries. 
They are excuses- and my insisting to finally give MY crypto back has lead to nothing but refusal from their end. 
I consider that theft. And demand compensation for it.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me significantly as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.