23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX XXXX I was I was taking a trip from XXXX, Tx to XXXX XXXX in the XXXX XXXX XXXX from my location it was a XXXX flight I was very restless and didnt have any phone services throughout that timeframe. During my travel I had a black wallet with my credit card inside of it that I lost at the airport someone found it and accumulated charges in the amount of {$8600.00} Once I got phone service I immediately contacted the bank to notify them what had taken place and I also reached out to the airport to report the lost. Navy federal denied the claim without providing reasoning they stated that I didnt provide them enough evidence I sent the flight confirmation, police report, the report from the airlines for lost luggage, Im not sure what more evidence I can provide to support the claim I did not authorize the transactions nor was I in the United States at the time of incident also my card was not in my possession I have acted in good faith, providing accurate information and cooperating fully throughout the claims process. 
I would appreciate your careful consideration of my claim and expeditious resolution. Please feel free to contact me if additional information is required.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover bank as violated my consumer rights according to the FCRA. 

Under 15 U.S.C 1681a ( 2 ) ( B ) Exclusions from a consumer report. This account is in violation. Any credit transaction suppose to be excluded from a consumer credit report if a social security was used in the transaction. 

Under 15 U.S.C 1681- Permissible purposes of consumer reports. I never gave discover bank any written consent to report anything on my consumer reports. No consent is identity theft
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2023 Amount : {$20000.00} The above listed account has been disputed previously through the cfpb. Upon checking my reports over again on this day XX/XX/2023 I discovered that this account has not been marked as disputed in the comment section. My quality of life mode of living and reputation has been damaged as a result of this, causing me emotional and financial damage. My rights have been violated by your company under the below applicable laws and provisions. Cease and desist immediately in the reporting of this account. 

1692-1692p 807. False or misleading representations ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
Product: Debt collection

Creditor : XXXX XXXX XXXX CELLULAR SALES ) XXXX, XX/XX/XXXX Amount {$78.00} Debt Collector Company : I.C. System, Inc. 

On XXXX XX/XX/2019 denied Service for paid cellphone ( OTHER number was suspended by Registered Owner - not in use ) Account was reactivated After This customer Cancelled Services due to denial of Services to Cellphone paid FOR ( 1 ). XXXX did Not Honor the Contract from XX/XX/2019 XXXX Agents XXXX XXXX XXXX and XXXX XXXX XXXX XXXX claimed No Contract - month-to-month, and due to Denial of Service This Customer Responded in person, as well as * responded to FIRST Collection Agency with a Certified Return Receipt and sent copy to Cellular Sales in XXXX, XXXX CELLPHONE NUMBERS were NOT Registered or in USE by the paying Customer. Identity THEFT was reported, cancelled due to Denial of Service in person - AND XXXX XXXX, manager would NOT correct. In fact, the number USED for a TABLET was Reactivated and in USE AFTER it WAS deactivated - within 15 days. Signed Contract from XX/XX/2019 disappeared - but the Tablet number remained Busy using XXXX XXXX XXXX former owner of our residence for XXXX XXXX. 

XXXX XXXX owes the Customer for paid SERVICE not provided for ( XXXX ) : Customer was DENIED on XXXX XX/XX/2019 yet it was PAID " A month in advance '' - 2 billing schedules. In FACT, on XX/XX/2019, CUSTOMER ( paid in FULL ) and XXXX ADDED Charges and Switched Carrier to Dual with added VPN services. SENT bills to a Unit # 10 - connected to UPS Mailbox in XXXX, XX/XX/XXXX - ( Never REQUESTED Or Registered by Resident and Owner of PROPERTY. IDENTITY THEFT ONLINE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX numerous times regarding my account and continue to experience credit reporting issues. 

I recently received a credit alert suggesting XXXX reported my account 30 days delinquent. Notably, I have been on a forbearance plan since the onset of COVID-19. Please see the attached confirmation letter from XXXX confirming the extension of my forbearance plan thru XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. My identity has been compromised. My name and social security have been used for quite some now. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my report as soon as possible. XXXX {$240.00} XXXX {$3200.00}
Product: Credit reporting or other personal consumer reports

I opened my credit report and I noticed it was an account from XXXX XXXX in the amount of XXXX reported on XX/XX/2024. I am highly upset this is not my account and violation of my rights and fcra laws. 

Please remove this from my credit file or show my a contract bearing my original signature showing that I opened this account. 

Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I mailed XXXX a letter letting them know of violations regarding my personal information and that it is in direct violation of the Privacy Act of XXXX. 

Attached is a copy of that letter along with my consumer report as proof of violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX 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.
Product: Credit card

Ordered clothes, never received the items. The clothing company said they were delivered to post office, the post office said they were delivered but I never received them. Live in gated community with lock boxes. In my opinion someone at post office took merchandise or they placed in wrong box. But I never received them. The credit card company said they can't take my word for it. I don't feel I should have to pay for something I did not get. I offered to pay a XXXX of the XXXX Dollars. But I still should not have to pay for something I did not get. I disputed with the Post office and they said it was delivered.the company said it was delivered to post office. the credit card company said I have to pay. I did not get the items. What should I do.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of these listings. 

XXXX XXXX XXXX Reported : XXXX XXXX, 2021 {$140.00} XXXX XXXX XXXX Reported : XXXX XXXX, 2021 {$170.00} XXXX XXXX XXXX Reported : XXXX XXXX, 2021 {$70.00} XXXX XXXX XXXX Reported : XXXX XXXX, 2021 {$580.00} XXXX XXXX XXXX Reported : XXXX XXXX, 2021 {$95.00} XXXX XXXX Reported : XXXX XXXX, 2021 {$680.00} XXXX XXXX Reported : XXXX XXXX, 2021 {$210.00} There are no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be reported incorrectlythis is unlawfulDebts can not be collected twice Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Product: Credit reporting or other personal consumer reports

15 U.S. Code 6802 ( a ) ( b ) - Obligations with respect to disclosures of personal information. I have sent a letter to XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  and they are not reporting it to the credit agencies XXXX, XXXX, and Experian and they are still reporting information that they don't have my consent to. I have also sent letters to XXXX, XXXX, and Experian letting them know that they do not have my consent to report my credit but they still commit Identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed the following information regarding inquiries be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a persons credit report is ( 1 ) a firm offer of credit ( 2 ) Insurance, ( 3 ) an application for employment, or ( 4 ) a court order.

The following inquiries are not related to one of the allowable purposes, as I have reiterated from the Fair Credit Reporting Act. 

XXXX XXXX XXXX ( XXXX ) XX/XX/2023 XXXX XXXX XXXX ( XXXX ) XX/XX/2023 XXXX XXXX XXXX ( Bank ) XX/XX/2023 XXXX XXXX XXXX XXXX ( Auto ) XX/XX/2023 XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX XXXX  ( Finance ) XX/XX/2023 XXXX
Product: Debt collection

I had a no-contract cell phone account with XXXX mobile but found a better cell phone deal with XXXX, so I paid my XXXX bill AND the balance owed on my devices and switched providers. I have my bills showing my {$0.00} balance to XXXX, screenshots of my deactivated phones, as well as my " Welcome to XXXX XXXX' bills showing the corresponding dates. Approximately a year ( or more ) went by before a debt suddenly showed up on my credit report for XXXX mobile. I called XXXX and the representative assured me she sees NOTHING showing I owe them anything. I did ask her for something in writing but for whatever reason, she said she was not able to do that. I then started disputing it with the credit agencies but each time it gets deleted then returns with a new company or will come back as " updated ''. My score has taken a XXXX dive because of this phantom debt I do NOT owe. It is my belief that XXXX XXXX ( for whatever reason ) attempted to auto-bill my credit card on file MANY months after my account was already switched to a different provider. They were never able to successfully charge me though because I had lost my XXXX card and was issued a new number. Regardless, this is not a valid debt.
Product: Mortgage

This is an issue with lender BMO Harris Bank, residential mortgage loan # XXXX. This loan is on our primary residence. During the fall of XXXX, our mortgage rate adjusted increasing our monthly mortgage payments significantly. We worked with the BMO and they directed us to their loss mitigation department - the process was extremely tedious, time consuming and we had to provide over 100 documents. After the laborious process, BMO approved a forbearance program in which currently are. The approved letter of forbearance is attached. As of XX/XX/XXXX, BMO is again requesting over 50 additional documents to assess our situation and we are providing the documents as we gather them. 

However, despite being in an approved forbearance program, BMO is sending us letters of breach and default and threating us with foreclosure. Please see the 2nd attached letter. 

BMO continues to give us a very hard time with their tedious processes and the same time is causing confusion and harassment while allowing an approved forbearance plan and sending threatening debt collection letters simultaneously. It is extremely frustrating to work with BMO - we landed in this unfortunate situation because our original lender Bank of the WesXXXX was acquired by BMO.
Product: Credit reporting or other personal consumer reports

Experian starts the day off with another lie, THERE STILL WORKING ON THE ISSUE is a fabrication as always
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$150000.00} XXXX XXXX Balance Owed : {$740.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year in 2017 I disputed with XXXX and XXXX regarding a account I.C. Systems after I sent a written Dispute and it was later removed from my credit report.This morning I get a alert from XXXX XXXX that the account reappears on my credit report after it was deleted.This false information has affected my ability to obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Convergent has reported a collection account to my consumer credit file in the amount of {$460.00}. I do not owe this alleged debt. If Convergent has the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includes ALL contractual documents stating and proving that I am responsible for this account that I agreed to and authorized the alleged debt that Convergent is attempting to collect. Convergent has no legal right to attempt to collect a debt. Convergent has not validated this debt nor sent me a notice of collection. XXXX XXXX is in violation of the FCRA and the FCDPA.
Product: Credit card or prepaid card

around XX/XX/XXXX I purchased the XXXX XXXX {$9.00} XXXX XXXX membership. I forgot the login information and couldn't use the membership. XXXX  customer service wouldn't help me rest login information so i told them to cancel my membership around XX/XX/XXXX. to my surprise the continued to charge my XXXX 's card in XX/XX/XXXX and XX/XX/XXXX. I didn't pay the XX/XX/XXXX charge because i wasn't using the card for months i didn't even realize the had even charged me for the membership until my credit score decrease alerts.I need to have this unauthorized charges reversed at once my home construction loan has already been cancelled because of my credit score decrease due to this unauthorized charge. I need my credit score updated at once to complete the construction of my family home
Product: Debt collection

I am requesting that yall provide a copy of the original purchase agreement the agreement must be with the original creditor not a third-party and signed by all parties involved. I am requesting this because XXXX  XXXX as well as this company here have both contacted me on this matter on top of I never entered into a consumer transaction with these people, they are violating my privacy rights per the privacy act of 1974. No company agreement overrides my federal protected rights. & the billing error per 15 U.S.C 1666. securities fraud I dont owe this company anything I dont know who or what this company represents and I never signed into a consumer transaction with this company and they have not shown me how I owe them this money they are requesting from me. I would also like to let you know that this billing dispute is for past current and future certificates of indebtedness. I am also not in their jurisdiction, which I am attaching a letter from the homeland security, which verifies that. I stand here stating I am challenging jurisdiction with evidence here a letter from the homeland security, showing that I am not in your jurisdiction, on top of letting you know that securities fraud is causing damages to me my natural living breathing self
Product: Credit reporting

I have addresses listed on my Trans Union Credit Report I have never resided at. The following addresses do n't belong to me : XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX, XXXX XXXX XXXX, XXXX, XXXX, MN XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX
Product: Payday loan, title loan, or personal loan

Cash america employees at this location in XXXX Indiana have knowingly and purposely altered account records so that I would lose my personal property and investments into other property. The company has allowed its representatives to create multiple accounts that have been misleading and confusing to keep up with payments. Coming into the location in person with my ID has been a constant struggle as several employees have purposely lied to me or missed providing me with loans and layaway payment amounts and due dates. This has been maliciously and continuously done for a substantial amount of time. I have lost hundreds of dollars of property due to errors made by associates at this location. The company has taken retaliation against me for bringing complaints to the store in which the district manager has refused and failed to resolve. Recently the store has damaged a tv i bought from a layaway. Due to such a hostile environment I have had a family member in Indiana to come into the store to make my payments on my behalf and after one payment was made I have now been informed the store is demanding that thousands of dollars of merchandise be taken out without any further extensions given. This was told to me to be approved by the corporate offices of cash america. I have filed a small claims which will be moved to a district court being that there is a pending class action lawsuit against this company for the same type of negligent and illegal loan practices by this company to a multitude of other clients. There is a company representative at this hammond location that has on every occasion I have made against the company tried to move me out of the store by either lying about prices of merchandise and providing false information to talk me out of sales. I have tried to resolve such said matters with the company for a substantial amount of time and the company has refused. As a XXXX individual the company has allowed and encouraged its employees to take advantage of me which has cost me thousands of dollars in property value loss.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts 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 are not complete and accurate .

And one more thing according to 15 USC 1681s-2 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.