23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX XXXX FL XXXX TODAYS DATE : XX/XX/XXXX CHOICE RECOVERY XXXX CHOICE RECOVERY XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CHOICE RECOVERY XXXX CHOICE RECOVERY XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX, FL XXXX
Product: Debt collection

I requested a VALIDATION OF DEBT and proof of wet ink signature on contract and was never provided the requested documents from Debt Collector. The Alleged Original Debt is in the amount of {$2400.00} but Debt Collector is reporting to : XXXX AND XXXX that amount of alleged debt is {$2400.00} which is a violation of FAIR DEBT COLLECTION PRACTICES ACT SECTIONS 807 " FALSE AND MISLEADING REPRESENTATIONS '', 808 " UNFAIR PRACTICES ''
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Equifax will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX  ( account number XXXX ).
Product: Mortgage

On XX/XX/XXXX, and XXXX, XXXX, XXXX, I tested positive for XXXX   while providing care for my XXXX year old mother in Indiana but my home is located in XXXX  DC. I called my mortgage company, AmeriHome, informing them of my illness on or about XX/XX/XXXX leaving a message for a return call. I also informed them I was in quarantine and please call. Amerihome never returned my calls .I made subsequent calls on XX/XX/XXXX, XX/XX/XXXX and emailed them on XX/XX/XXXX, because Amerihome failed to return my calls inquiring about options. As a result I went into my retirement account in order to bring my mortgage current. Amerihome failed to tell me about mortgage relief and simply demanded that I bring my mortgage current or face foreclosure and reported my mortgage as late to the credit bureau. When I went onto the Amerihome home website I could only make one late payment at a time which caused my XXXX, XXXX, mortgage payment to be late. I called Amerihome customer service several times and was finally able to reach them on XX/XX/XXXX, and they told me that there was nothing they could do and still failed to offer mortgage relief to me. I learned about HUD sponsored mortgage relief from a friend on XX/XX/XXXX. I called Amerihome on XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX to obtain but the number for mortgage relief/assistance always has a busy signal which is unacceptable in XXXX so I emailed them again on XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing my complaint against Cash app ( Block, In ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution 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: Credit reporting or other personal consumer reports

I called in XX/XX/2023 to ask the company when my payment due date was the guy told me over the phone that the account was open on the XXXX so I had 30 days to make a payment, Yesterday morning I get an alert from XXXX saying that my score dropped XXXX points and that my credit usage had went up 36 % although I did use the card I was alerted of a payment due date so I assumed it was on the XXXX I called the company the lady told me that when i signed yup they gave me a XXXX I did not see that the XXXX or the XXXX was my due date so my account got reported as 36 % credit usage which I wouldve paid before the XXXX or XXXX had I been informed whenever I called I would like my scores to go back up Immediately
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 Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated that my accounts were properly investigated but they failed to provide me with details of how the accounts were verified, by whom, and failed to correct the information. There are disparities between reports. My name is spelled in various ways between agencies. I have disputed the information and requested that my name spelling be updated but the bureaus fail to make the changes. Disputes were sent XX/XX/2022, XX/XX/2022, and they fail to make the corrections. 

15 USC 1681 section 602A states I have the right to privacy. 
15 USC 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without my written instructions The listed inquiries below were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 

Accounts in Dispute Include the following : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX Discover Card Corporate Office Headquarters XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX was denied an extension of credit by Discover On XXXX.I applied for discover cash back credit card As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). Discover has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me is both a proof and evidence that I have been discriminated against, you are also criminally liable. XXXX should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 
BEST, XXXX, XXXXXXXX XXXX Without prejudice, all natural inalienable rights reserved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXXXXXX XXXX XXXX  I requested information from debt company to verify debt, such as what kind of debt this is. original creditor information. agreement signed by me to obligate me to this debt. and license including license number making them legal to collect in my state on this and a full payment history. Which i have not received. I asked that this debt be deleted if this information could not be verified. Company responded that they purchased the debt but know other information was verified.
Product: Credit reporting or other personal consumer reports

I went to make a bank account today and I was on XXXX XXXX They said that I could not. I do not recognize these. Somebody had obviously use fraudulent activity on my account.
Product: Credit card or prepaid card

Wells Fargo opened a personal loan answer credit card in my name without authorization. This been going on since XXXX XXXX, all these case numbers and XXXX numbers. I was supposed to be refunded {$6200.00} for unauthorized payments out of my checking account XXXX XXXX XXXX... I have received {$500.00} refunded but not the rest. I can't believe this situation in the times we are all in 2023. Wells Fargo made a huge mistake
Product: Consumer Loan

I was making my normal monthly payments up until I lost my job. I called the Loan company which is Credit Central and asked how do I go about activating the credit protection program for when you loose your job. I was then informed that because of the amount of my loan they took the credit protection option away from me. Not once did anyone tell me that the credit protection plan had been removed from my account due to them giving me an increase on both of the loans I currently had with the company. Spoke with the manager and the disrict manager about the matter and set up a payment arrangement to pay the two payements that were past due. I then called back to the district manager to see what other arrangements could be made considering that if I was to continue to pay them for the next few months then I would be homeless. I didnt recieve any phone call from the district manager about the matter after I spoke with her the first time after not being able to get anything solved by dealing with the manager of the location. When speaking to the manager of the location he offered for me to rewrite one loan to pay off the other loan but, that still would n't have solved the problem because at the time I actually did n't have a job to be able to repay either loan and did n't have documents to turn in to be able to rewrite the loan to pay off the other one.
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCB XXXX  XXXX is due and payable as a corporate expense of XXXX XXXX. XXXX XXXX, a XXXX and XXXX CEO/Founder asked XXXX XXXX, an American and former Executive Contractor to open the US Dollar account for the company since Mr. XXXX was unable to. Ms. XXXX did this in good faith for the betterment of the companies. Ms. XXXX has a signed letter by Mr. XXXX confirming this amount is due and payable by him and the company ( XXXX ). This account is currently in dispute and pending further legal action by Ms. XXXX against Mr. and Mrs. XXXX and their numerous companies ( including but not limited to mykey, XXXX  Suites and XXXX XXXX ) both in the US and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have absolutely no idea what this account is, I have never opened a account with this creditor and want this removed. 

I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my  local FBI field agenct office in XXXX XXXX to report these accounts.
Product: Debt collection

I was notified by Jefferson collections that they bought out a debt from XXXX tht they say belong to me.XXXX dollars I know nothing of this. Iadked them to send me some type of paper work showing what I aquired from XXXX andwss told if I didn't pay I would be sued..I 'm not a XXXX fan at all.thiet send me emails. I asked over and over if you bought my debt from XXXX then u should also have paperwork showing what I owe for the money your asking.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Account number XXXX The late payments reported on this closed account are not accurate. All three credit bureau 's are reporting different information. 15 U.S.C. 1681s-2 [ A ] [ 1 ] A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Chase closed two credit cards of mine for risk management. Their reasoning was that I was a high risk because I reported fraud on my account. The cards have zero fraud protection liability so that shouldnt be a valid reason. The fraud on the account was from an XXXX XXXX XXXX charge from a customer with a totally different name and address, from a different state. It was obviously fraud. They also didnt do their research and find that I have an active fraud alert on my account and I have had that for quite some time. Theyre closed it prematurely wich will have a ripple affect on my credit score and affect my ability to get loans in the future.
Product: Credit card

This has to do with a TJ Maxx credit card account. I had made a purchase on the card, then paid my monthly bill, mailing it. The next time I got a bill ( today ) it did not reflect that had sent them a payment. So I immediately called customer service. I had to try XXXX times to get through on the phone, the system kept dropping me into a voicemail box. I then talked to XXXX different people- someone in customer service, then transferred to payments, then back to customer service, then to collections, then to customer service. Except for the last person, all of the representatives were telling me I could get XXXX ( XXXX ) late charges deducted from my bill, and this was the reason they were supposedly transferring me, but they seemed to have some kind of difficulties with their system, or their screen, or some other excuse- during XXXX interaction I heard laughing in the background when talking to the male customer service rep, after I stated I could not understand what he was saying due to his accent. 
I had already agreed to pay the bill, provided the late charges were deducted ( I had a {$120.00} balance and they had added {$75.00} in fees on top of that, so it amounted to XXXX of the total ). I was willing to pay the interest, but not the fees. I was told this would be done, and I asked to close my account. The minute they accepted my payment ( and no transaction number was given ), I was then told by the 'collections ' representative that they would only deduct XXXX fee, and that I still had {$35.00} showing on my account, which was a bait and switch. Most of the people I was talking to struggled to speak XXXX ... I then wanted to pay the bill in full because I felt these people were very dishonest- and they refused to take my payment for the remainder of the balance! The last representative was quite rude, told me my account was 'delinquent and already cancelled due to nonpayment ' which is not stated on my bill, and not stated by anyone else on the call to me. Also this company is charging a XXXX interest rate! How is that not usury? The company managing the TJMAXX credit account is XXXX Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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
Product: Credit card

XX/XX/XXXX the Bank of America ATM in XXXX Florida ate {$80.00} and the payment was never reflected on my credit card. 
I reached out to them on XX/XX/XXXX to try and get my funds back. 
XX/XX/XXXX XXXX : California * {$80.00} is being investigated and should be resolved by XX/XX/XXXX XX/XX/XXXX XXXX from Texas Manager : XXXX texas XXXX said the {$80.00} will be back on the credit card by Friday ( XX/XX/XXXX ) XXXX said it was a check that was deposited and thats why they were sending {$80.00} back to my checking account, but it didn't work because I paid cash not a check. 
XX/XX/XXXX XXXX Says the back office kept pushing back the time when the funds would be given back * Another letter being sent out pending for XX/XX/XXXX Hes hoping they will give a time frame on that letter but he cant see it I also have enclosed a picture of the ATM I was at on XX/XX/XXXX at XXXXXXXX XXXX
Product: Debt collection

Ive been trying to move this collection debt off my credit report for about a year now I continually keep calling and asking them to remove this, and also asking for any updates and nothing. also sent letters over to them and no response..
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three inquiries on Experian that were fraudulently done. I went on XXXX and file an Identity Theft Report. FTC report number XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions. 
I want the CFPB
Product: Vehicle loan or lease

I paid off my car loan in XX/XX/XXXX. After 60 days, I still did not receive my title. I called PNC bank in XX/XX/XXXX and they said they send it to my previous mother-in-law 's house, which she never received. Due to health issues, the matter was left unresolved until XX/XX/XXXX. I tried to call them again and they told me I needed to mail in a request as the back office would now have the information. I sent in 3 requests since then and never heard anything. I finally went to sell my car a couple weeks ago and because I still had not received my title, the dealership needed a lien release letter. I called PNC bank again and they told me I needed to speak to the Escalations Team. The next day I called and spoke to XXXX, who told me they had to get the letter notarized and would mail it to my new address. It has been over 3 weeks and I still do not have my letter. I have left MULTIPLE voicemails for XXXX with the Escalations Team requesting a call back to get a resolution as the dealership NEEDS the letter and STILL no response. I need the lien release letter as soon as possible since they failed to get me my title!
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN CONTINUES TO REPORT INCORRECT INFORMATRION ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME AND THIS IS A REAL ISSUE. 

1. XXXX XXXX XXXX IS NOT MY ACCOUNT # XXXX ON MY CONSUMER CREDIT REPORT XX/XX/2017 : MY CONSUMER STATMENT SAID THIS ACCOUNT WAS DISCHARGED IN BANKRUPTCY XXXX,XXXX OR XXXX? ( EXCIBIT A ) 2.XXXX XXXX ; ACCOUNT # XXXX STATED I ALSO FILED CHATER XXXX,XXXX BANKRUPTCY REFER TO EXCIBIT ( B ) 3. XXXX/XXXX  # XXXX ... NOT MY ACCOUNT VICTIM OF ID THEFT NOT MY ACCOUNT 4.XXXX XXXX # XXXX I NEVER STATED ANY SUCH THING ABOUT FAULTY MERCHANDUISE.

5.XXXX XXXX XXXX XXXX ... XXXX FRAUD ACCOUNT EXPERIAN IS MAKING FALE STATMENTS THESE ACCOUNTS DO NOT BELONG TO ME.
Product: Payday loan, title loan, or personal loan

I got a loan for {$1600.00} in XX/XX/2023. My payments are extremely high interest. So I decided I'd like to pay off quicker. Well I made a payment for over {$500.00} thinking it was paying down this loan. Then they took out a payment for {$420.00} so I'm thinking it's not much more to payoff. Now they re telling me I still owe until XX/XX/2023. I am XXXX XXXX and this is confusing for me. I feel as though I'm being taken advantage of. Please help..