23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX I was wrongfully foreclosed on and evicted from my home by XXXX mortgage. The loan was an XXXX and the primary was settled and XXXX attempted to collect on the second. XX/XX/XXXX, I was contacted by I believe the state who was conducting a class action lawsuit. I subsequently received XXXX insignificant settlement checks from this suit. In XX/XX/XXXX I was contacted by a collection agency attempting to collect on this debt. I explained the history and explained that given the circumstances, I had no intention of settling the debt. This issue continues to resurface and impact my credit.
Product: Debt collection

There is a new collection that appeared on my credit file which I do not owe XXXX XXXX, this is false information, please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to remove : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$670.00} ; XXXX XXXX XXXX XXXX Balance : {$620.00} ; XXXX XXXX XXXXXXXX Balance : {$520.00} ; XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; U S DEPT OF EDXXXX XXXX Balance XXXX {$0.00} XXXX U S DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX U S DEPT OF EDXXXX XXXX Balance : {$0.00} ; U S DEPT OF EDXXXX XXXX Balance XXXX {$0.00} XXXX U S DEPT OF ED/XXXX XXXX Balance : {$0.00} ; U S DEPT OF EDXXXX XXXX Balance : {$0.00} ; U S DEPT OF EDXXXX XXXX Balance : {$0.00} ; U S DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX U S DEPT OF ED/XXXX XXXX Balance : {$0.00} ; U S DEPT OF ED/XXXX XXXX Balance : {$0.00}, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again.
Product: Checking or savings account

So I have been getting harassing called phone calls from Bank of Oklahoma I get 14 calls a day all times of the day and the evening time I have tried to reach out to them and try to set up payments that I can afford I am unemployed due to the pandemic is still looking for work I have always been honest and sincere with this Bank they refuse to accept what I can pay monthly to them and I keep getting these harassment calls threatening calls threatening of harassment calls I am trying to fill this out and file a complaint against Bank of Oklahoma for harassment
Product: Money transfer, virtual currency, or money service

My wallet was stolen from the XXXX at XXXX XXXX XXXX, in XXXX Ga XXXX On XX/XX/XXXX. I filed a police report on XX/XX/XXXX With the XXXX XXXX Police Department. On this same day I went back to the gas station to view video footage with an Officer which clearly shows someone Stealing My wallet. I filed a claim with western union for a tracer, then I was told that it would take 90-120 days to investigate the stolen money order. I called western union on many occasions during this time frame only to be told they were still investigating it, they didn't have any updates and could not contact the department that handled the investigations. So pretty much it was a waiting process. On one instance I was told that the bank who cashed the money order was XXXX XXXX, when I contacted them I was advised that there was nothing they could do and I would have to wait on Western Union. With this being said I continued to wait and continued to follow up with Western Union only to be told I still had to wait, no one would connect me directly with a manager and the one time I did speak to one I had to wait over 30min. My last contact with western union I spoke to an associate and told her I wouldn't provide any of my information until I was connected with a Manager. When the manager finally was on the line she attempted to pull up my money order transaction without me providing her with the money order number and told me that the claim had been denied. When I questioned her about the number she put in, she then asked for the money order number and still told me the claim had been denied. I asked her why I didn't receive any documentation from Western Union about why the claim had been denied and she told me she would send something in the mail of which I never received. This was my last conversation that took place with XXXX XXXX on or around XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

SINCE XXXX XX/XX/XXXX TO XXXX XXXX XXXX CFPB I am demanding proof of contract not computer created statements because they have only sent me copies of statements that I don't even know where they came from or who they are from in a computer you can create mani things like robo signatures I am demanding proof of contract I am demanding proof of contract I am demanding proof of contract they don ; t show proof of contract because they don't have one This is my eighth Qualified Written Request, for proof of claim Dated XX/XX/XXXX. Like on Previous letters advice that BLITT AND GAINES, PC. should fail to produce proof of claim within 30 days ; they will have exhausted their administrative remedy under a private administrative process and tacit agreement, BLITT AND GAINES, PC. failed to provide any documentation, original wet ink signature contract note specifically including records transferred from any previous lender or Bank. And BLITT AND GAINES, PC. ignore my demand and instead supply false untrue forms in pursuant of USC Title 18, part1, chapter 101 2071. USC Title 18 Part1, Chapter 63 1341, 1343, 1345, 1346, 1349.
Product: Credit reporting or other personal consumer reports

I previously disputed these accounts with Experian under the Fair Credit Reporting Act FCRA 609 ( a ) ( 1 ) ( A ) and ( FDCPA ) 15 U.S.C. 1692g on XX/XX/year>. The investigation concluded with the note Completed investigation of FCRA dispute - consumer disagrees, yet the account remains on my credit report. This suggests that my concerns were not adequately resolved. 

I also contacted XXXX XXXX XXXX / XXXX XXXX XXXX directly via letter to dispute these charges. They refused to provide proof of the debt. Despite my efforts, these accounts continue to negatively affect my credit score. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist me in having this wrongful account removed from my credit report. Its presence is causing me a lot of financial harm. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

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

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate. 
Please remove these Inquiries from my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I reached out to all three credit bureaus in regards to the accounts listed below, XXXX, Equifax, and XXXX have all failed to send me the proof of the charge off and the copy of their investigation. 

XXXX XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$1500.00}. 
This account is being reported on my credit report multiple times with the same creditor and open date. Please remove this error and any negative information in this account immediately. 
XXXX  XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$1800.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX  XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$2400.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1600.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.
Product: Money transfer, virtual currency, or money service

I went to XXXX XXXX that I bought the money order from to cash it in, and they said they could not cash in and to call you guys. I tried doing that but your horrible automated system did not give me an option for my problem. I am still not able to speak to anyone which is totally unreasonable. I'm trying to figure out why I was not able to cash this money order. I'm just trying to figure out why it was denied if it's a money order that I bought from the same store. The cashier said that it was in the right time frame from date of purchase to be able to be cashed, I couldn't get an answer from your company via phone or your website which is horrible customer service practice and it is unacceptable that we are not able to speak to someone about issues that come up and aren't an option on your automated system I need someone to call me back so I can figure out how to cash this money order
Product: Debt collection

Loan is from XX/XX/2010, car was returned to creditor, loan was discharged. Tradeline should have fallen off credit reports because the debt was too old to be reported according to credit bureaus. Credit Acceptance has continued to update the debt to reflect a more recent delinquency to avoid removal from credit report.
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 XXXX. 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 n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n 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 im XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX Martino filing this complaint. The stuff on my credit report is wrong 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.
Product: Bank account or service

I asked for information about my account showing several debit cards that were issued on the account. U.S. Bank claims they can not tell me who 's names were on the cards with a joint account between my wife and I. I had XXXX she had XXXX. 

why so many and were they in my name or hers?
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports 8
Product: Debt collection

A.r.m solutions XXXX XXXX XXXX XXXX XXXX California XXXX XXXX I got a deb collection from above company forXXXX that I never owned or received services Agency account number XXXX My name : XXXX XXXX
Product: Credit card

I purchased a product for {$22.00} on XXXX on XX/XX/, purchased through XXXX credit card. 
I returned all the items on XX/XX/. Return credit was posted as only {$22.00} even though it should be {$22.00}. 

Now for the balance of {$0.00}, they added a late fee of {$22.00} and interest charge of {$2.00}. 
Attaching statements for the XX/XX/XXXX  and XX/XX/.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected with the Equifax breach, confirmed by their website as of XXXX XXXX, XXXX. My name, address, SSN and credit card information was accessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to login to Equifax and XXXX I updated password it went successfully. Went back to main login then it locked my account saying I did to many attempts. It said wait XXXX minutes still gave me the same error message then it said I entered the wrong password. This is all done on purpose I need access now.Transunion has not updated since XX/XX/2023. I can not get the full credit report. 
Equifax has 3 address on me I only have 1 address XXXX XXXX XXXX XXXX Fl XXXX please remove all others! 
I only have 1 name XXXX XXXX XXXX Not XXXX XXXX XXXX XXXX not XXXX XXXX XXXX please remove all incorrect names and addresses from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Public Records-State Tax Lien XXXX County Circuit Identification Number # XXXXDate Filed : XX/2017 Claim Amount {$8800.00}. This information should not be reporting on my credit report due to XXXX 2017 CRA credit reporting guidelines that any public record must contact DOB and SSN ; this public record lacks this information and should be deleted from my XXXX XXXX/Experian/XXXX credit report immediately. See Attached document as documentation
Product: Credit reporting or other personal consumer reports

I was victim of identity theft, and inaccurate personal information belonging to someone else are surfacing on my credit report such as XXXX inquiries and closed account I never authorized and do not recognized
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXXeporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$1400.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX XXXX XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting

I 've filed multiple disputes to have the company XXXX removed from credit report and Equifax just keep replying the item has been verified as yours. The company XXXX has settled a lawsuit with Florida Attorney General XXXX XXXX on XX/XX/2016, and in the settlement any XXXX, XXXX XXXX loans are to be removed from the credit bureaus. The settlement also sttes that XXXX violated Florida 's consumer protection, consumer finance, and usury laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, willing or not, has put me at risk. By not protecting my consumer/credit info on any and all data systems in use by Equifax, Equifax has not acted with due diligence to provide my account info with a reasonable level of privacy. As Equifax is a " one-stop '' entity housing all of my consumer/credit info, they have provided, willing or not, a means for unauthorized parties access to sensitive info that may put an unfair burden on me to maintain my credit health going forward from the date of the Equifax breach. As a consumer, I have done my due diligence to maintain, update, correct, and protect my credit ratings and history. I believe Equifax should be required to provide me, without cost to me, a 7 year Extended Fraud Victim alert service and agree to reimburse me any money amounts I may incur as a result of the Equifax security breach. Further, Equifax should compensate me, at a rate of $ XXXX/hour any time I spend disputing/correcting any fraudulent use of my credit information, for the duration of 7 years beginning with the date Equifax became aware that my credit info was compromised by way of Equifax 's data systems.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I called the company and asked them to please send me statements and where did I applied from the company. I wanted for 30 days for any form of documents but nothing. I have filed an dispute with three bureaus and still no form of information.
Product: Credit card

ON XXXX/XXXX/2016 @ XXXX 
I phoned AMERICAN EXPRESS & advised a female representative to CANCEL ALL BUSINESS with AMERICAN EXPRESS et al ; due to their inability to correctly respond to fraudulent activities reported to AMERICAN EXPRESS & police by this author ; & AMERICAN EXPRESS failing to assist with the prosecution of the offender. 

ON XXXX/XXXX/2016 XXXX My wife & I submitted e-mail to 'AMERICAN EXPRESS ' documenting our previous verbal cancellation. 

YET, WE CONTINUE TO RECEIVE mailings from AMERICAN EXPRESS ranging from 'ACCOUNT IS PAST DUE ', 'FAILURE TO PAY ', TO the receipt of TWO NEW AMERICAN EXPRESS cards (! ) ; that included a notation- " You can cancel your card without obligation to pay any fees or charges until you se it to make a payment. '' Both my wife & my AMERICAN EXPRESS cards were destroyed on XXXX/XXXX/2016- the date of our cancellation. We have made no attempt to do business with AMERICAN EXPRESS since in any way, shape or form ; & wish their mailings to cease, immediately ; as these mailings now should be considered harassment by mail. Postal authorities will be notified.
Product: Credit reporting or other personal consumer reports

After obtaining my consumer report, I noticed some inaccurate information reporting on my XXXX XXXX account ( # XXXX ) by XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to fair and accurate credit reporting. However, XXXX is reporting two consecutive 30-day delinquencies for the months of XX/XX/2024 and XX/XX/2024 on my account, which is incorrect. If XXXX can not provide proof of the alleged late payments, this account must be updated to " Paid as Agreed, Never Late '' ( XXXX ). I request prompt action to correct this discrepancy.