23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I hope this complaint finds you well. I am writing this complaint to you today to address a matter of utmost importance regarding identity theft that has impacted me. I discovered suspicious activity on my credit report, this was brought on by a data breach from XXXX XXXX in XXXX. After reviewing the information on my credit report, it came to my attention that several unauthorized accounts have been opened in my name. I was and am deeply concerned about this breach of my personal information and the potential repercussions it may have on my financial well-being. I have taken immediate steps to report this identity theft incident to the local authorities and have obtained a theft affidavit which I have enclosed with this complaint for your reference. I have also contacted the affected financial institutions and desire the placing of fraud alerts on my accounts to prevent further unauthorized activities. As I reported the problem Transunion to rectify this issue, and they removed all but XXXX account from my report I kindly request your assistance in blocking the fraudulent account listed on my credit report with Transunion. The unauthorized accounts in question are included on the attached affidavit, and it was opened without my knowledge or consent. I have not initiated or authorized any transactions associated with these accounts. In light of the seriousness of this matter, I kindly request that Transunion initiate an immediate deletion of the fraudulent accounts. It is crucial to ensure that the erroneous accounts resulting from this identity theft are promptly removed from my credit report. The accounts in question are : XXXX XXXX XXXX, XXXX XXXX. Enclosed with this complaint, please find the following documents that support my claim : 1. A copy of my identification for verification purposes. 2. A copy of the FTC Affidavit detailing the identity theft incident. I understand that resolving cases of identity theft can be a complex process, but I sincerely appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I received the response from LexisNexis in regards to my complaint that was filed with the CFPB on XX/XX/2018. My complaint was how XX/XX/XXXX verified information that appeared on my credit report through LexisNexis. The information was of a Bankruptcy with docket number XXXX. In their response, LexisNexis stated that they verified all of the information about this case docket via a third party database known asXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This was done in violation of the Fair Credit Reporting Act. The Fair Credit Reporting Act clearly states that any information contained in a credit file, to include XXXX XXXX, must be verified through the original furnisher. The XX/XX/XXXX system, while maintained by the Federal Government, is still classified as a third party furnisher under the Fair Credit Reporting Act. This was affirmed by XXXX XXXX XXXX XXXX XXXX BANK, NA. The original furnisher would and must be the Court where the legal action was filed. In their response, LexisNexis also stated they matched the last four digits of my social security number and my year of birth from information provided to them byXX/XX/XXXXhis is insufficient given that all information contained in a credit report is to be one hundred percent accurate and one hundred percent verifiable. Based upon the response from LexisNexis, the information was not verified to be one hundred percent accurate, it was merely based upon a preponderance of the evidence. This does not meet the burden of one hundred percent accuracy. LexisNexis has also shown in the past they believe they are not considered a Credit Reporting Agency but according to the Fair Credit Reporting Act definitions they clearly are. They broker information that is used to determine creditworthiness for profit. Therefore LexisNexis must comply with laws as set forth under the Fair Credit Reporting Act. I am attaching a copy of the response from LexisNexis and a response received from the Clerk of Court.
Product: Mortgage

I was never late. My mortgage company sold my Acct to another company called shellpoint. This happened without my knowledge I sent payment to original company. When I received letter from shellpoint stating that my loan was transferred I immediately made payment to them ( payment was even higher than previous bank ) my payment was ever late
Product: Credit card or prepaid card

XXXX actions and expiration IRS deems charge off as income Income is not to be reported Im a consumer a natural living man all debts are an obligation in the United States I do not consent to the sharing of my non public information it is no ones business CAPITAL ONE BANK USA NA is using my credit report to extort me this is income not debt there using my credit report to extort me this is income not debt I did not get the full disclosure to opt out. I do not consent to the share in of my non public information. This is a transaction and experience that took place between CAPITAL ONE BANK USA NA and I and its no ones business. Why is it on my report there using the credit report to extort me, defame my character and tarnish my credit worthiness. Youre furnishing deceptive forms. You are committing a crime. XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Jefferson Systems regarding the reporting of an inaccurate debt on my credit report. The debt in question is associated with account number XXXX. 

Details of the Complaint Inaccuracy : The debt reported by Jefferson Systems is inaccurately appearing across the three credit bureaus. This inaccurate report is adversely affecting my creditworthiness and is preventing me from being approved for a home mortgage. 
Request for Validation : I request that all relevant account validation documentation be provided to the CFPB portal within 7 days. This should include, but is not limited to : My signature Photo proof of my identification The original contracts related to the debt Impact on Credit and Life This erroneous debt report is causing significant stress and financial harm as it is the sole reason I am unable to secure a home loan. It is imperative that this matter be resolved promptly to prevent further damage to my financial standing.
Product: Debt collection

American Express has been calling my business phone twice a day with overlapping phonecalls making it impossible for another call to come in. It started on XX/XX/XXXX after i asked them to quit calling me. Every day they have called twice meaning they have attempted to contact me 14 times a week for three weeks straight even after i said i would try to get set up on there plan when i got back on my feet.
Product: Debt collection

Sent multiple of dispute letters since XXXX and the collector has failed to provide missing information on my credit report. I requested that they re-investigate or delete disputed items from my credit report.
Product: Credit card or prepaid card

I rented a car for 10 days at {$410.00}, no insurance was taken out b/c my credit card covers some insurance. No liability taken out b/c my XXXXInsurance covers liability. rental started XX/XX/XXXX tp XX/XX/XXXX,. i returned it 1 day late on XX/XX/XXXX. 
XXXX  Car Rental i believe is a erman company, only communicate by email, hardle ever do they pick up there phone and never return calls. They supplied no responsesto my qwrvices uestions nor the Chase Visa requests for info. 
They used an email I dont look at often. I tried to pay the extra day, when i returned, but he didnt know,, " they will contact you ''. i assunnmed by phone or mail .... Plus there was a minor accident. So, i wanted to use VISA cardmember services too, i couldnt get any info fro m them,, it dawned on me in XXXX to look at my XXXX acct. 
there it was XXXX or more emails.. Wsell in 2-3 days w/ no response they were havinf an electronc fit, why didnt they juyst call? 

So, the extra day XXXX  was {$39.00}, and damage to3 scratches and a crack (? ). was about {$330.00}. By ther end of emails, they changed the extra 1 day rental to {$350.00}. with extra fees, late charges and 12 days of liability insurance at XXXX /day .. ( when the car was returned ) on XX/XX/XXXX. Who would pay for insurance at the end of a car rental?? The invoice for the FAKE EXTRAS is even dated XX/XX/XXXX. its obvious to me what thhey did, so i am willing to pay the {$40.00}, even wrote to them,,, but no answer. 
CHASE VISA, I think jumped the gun and before i could explain it to them in simple terms,, and VISA ASKED FOR ALL DOCS, so I sent 30 pages,,, And then they missed the point, got scammed the way people do, but its my money,, and its obvious ythey fraudulently changed the fimnal bill from {$40.00} to {$350.00},, so they could add there damages to my VISA and it was accepted.
Product: Mortgage

Back in 2011 my Notary sent an administrative process to XXXX XXXX XXXX using a Private Registered set-off Bond for XXXX. They never returned the negotiable instrument therefore it is discharged according to XXXX XXXX they refused the payment by sending me a frivolous letter. Then they transferred the mortgage to the current third party which is Select Portfolio Inc. SPS reinstated the foreclosure process and I saved the house by entering bankruptcy. Now I have sent another XXXX private forms of payment-an EFT check and an XXXX - ( also sent to IRS in XXXX KY XXXX. They did not return the EFT check-another example of XXXX, XXXX XXXX and Public Law 73-10 which states that institutions are not allowed to pick and choose what types of payments they can accept. By not returning my instruments these service companies can enrich themselves at the discount window without granting me credit on my mortgage. This would be considered Grand Theft. I demand that they release the lien on my property immediately and restore my good name.
Product: Student loan

In 2012 I took out {$9500.00} in student loans from myfedloan.com for XXXX XXXX. since then I have been paying them back on time every month. Last year I applied for a loan discharge to see if I can get the remainder of my student loans forgiven because my school was shut down by the government for fraud and my " degree '' is a joke. While the department of education was reviewing my case they decided to start refunding me the money I had paid to myfedloan. I called myfedloan and explained to them what was happening and they said not to make any more payments to them because it would just get sent back to me. The department of education denied my case for forgiveness after all but they are still sending me back money I paid already to their loan servicer. I am so confused by this whole situation I dont know what  to do anymore.
Product: Money transfer, virtual currency, or money service

Primary Problem : I attempted to send {$10000.00} from my Chase account to my husband 's XXXX Savings Account. XXXX  declined this transaction and Chase has not returned the {$10000.00} six week later. 

Original Money Sent Date : XXXX, XXXX, 2021 Steps Taken with Banks Initially Contacted Chase Phone Support Said They Could Not Do Anything Then called XXXX - They explained they had declined the transaction because it was coming from a bank account which was not under my husband 's name and that the money had never been received by them. 
Went into local Chase Branch Branch Manager initially thought it was a mistake but was still helpful, after a week seemed to realize it was a real issue. She suggested her back office was working on it.

-- Multiple weeks later the branch Manager has now said she can not do anything and has escalated it to Chase 's executive branch division. She seemed perplexed by the problem and apologized suggesting that it was in corporate Chase 's hands now. 

I still have not heard from this group and thus have turned to you for aid. 

I have all the transaction numbers and will share with you if contacted.
Product: Debt collection

I have XXXX jobs where I work part time at both. I have went into work with a message that XXXX company is looking for me and I need to give them a call back. Then couple days later but same week is when I have receieved a letter stating that my collection was now assigned to a new collection agency ( XXXX company ). An attempt to collect letter. They have not call me or if they had, they were no message from this company. I was told at work they had call my work multiple times and now they are calling my fiancee. I do n't know how they even got his phone number! So they are making the biggest attempt to contact everyone BUT ME for my debt! My phone number have been the same since 2008. I have never ever felt so embarassed and harrassing. I felt like my own personal business is spreading because of this company. Many coworker are asking me what 's going on ...
Product: Money transfer, virtual currency, or money service

I received the below email regarding needing a XXXX for 5 weeks. I've received the payment to book the service in addition to funds for transportation while in the city. I took the {$4200.00} check to my bank representative XX/XX/XXXX XXXX on XXXX XXXX XXXX, TN XXXX and was asked verified the account with thier XXXX XXXX XXXX XXXX XXXX   XXXX prior to depositing. She didn't call me and so I called the bank on XX/XX/XXXX confirmed all was correct. I advise the client service was confirmed with {$640.00} deposit and advise on the remainder deposit for the chauffeur service. The next day I was asked to XXXX the chauffeur deposit {$3200.00}. I received another call and text that they will need to cancel, keep the nonrefundable deposit and XXXX the remainder balance. My account was debited for {$3200.00} through XXXX XX/XX/XXXX. On XX/XX/XXXX I received a cash back of {$4200.00} and {$16.00} service fee.
Product: Payday loan, title loan, or personal loan

i asked how much the interest rate is on the loan and they refused to give me that information. now it is {$15.00} per day. I am XXXX and they took advantage of me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying many times to get results on my disputes. I have asked many times for contract, proof and that I signed some agreement which I have not. This has been going on long enough. I never signed a contract with the collection agency. After the investigation they never sent me proof that it was validated. They keep validating before anything can be investigated. And when it has been deleted they reinstate the collection without even a 15-day notice. They keep violating all the laws and my civil rights to discriminate. It seems like all they can do is just put somebody down with false information to make more money for the subprime market. And also I think they discriminate because my zip code. I sent an affidavit explaining how they keep violating my rights and I wish this to be corrected with the deletion of all those collection accounts and or charge-offs. The signed affidavit that I'm sending is to you explain how they keep violating my rights. After their investigation which was not completed properly or investigated properly, no proof of contract or signature was ever provided.
Product: Credit card or prepaid card

Hi Fortiva Executive Office! Good Afternoon Team! How are you doing this pandemic and Covid19? Hopefully, youre safe and sound! Listen, Im extremely disappointed and shocked because I just looked at my credit again and noticed that the 2 late payments remarked are still reporting on my credit. Remember I called your  company directly late XXXX to ratify the situation and your representatives mentioned that they will submit a request to remove the late payments that are reporting on XXXX and XXXX of XX/XX/2020. I also remembered when COVID started my bank was closed and I couldnt see the transaction history and I was certain that your company had automatic payment authorization.

Again, this never had happened to me, and therefore, I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly
statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report. Also, I've personally re-assure that the payment comes out automatic and i'm meticulously paying down my payment as fast as i can, despite the COVID19 that's hurting my health now and i've lost my job at the car dealership.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2022 a fraudulent purchase was made on my Capital One Venture X card in the amount of {$1800.00} at XXXX. I did not make this purchase or authorize this purchase. The package was addressed to me and dropped off at my door without my consent or permission. Upon receiving the unsolicited package, I immediately contacted Capital One to advise them of the fraud. They performed an " investigation '' and advised on XX/XX/2022 that the fraud could not be " verified '' because the the thief used my contact info, credit card number, and I " received '' the package. Capital One has refused to remove the fraudulent charge, notwithstanding that they market this card as " {$0.00} Fraud Liability ''. Although they state that the fraud claim is subject to verification, their use of the word verification deviates substantially from the common sense dictionary definition which is " establishing the truth, accuracy, or validity of something. '' The truth is that this is a fraudulent charge and Capital One is using its verification process to harm customers and charge them for bogus purchases by credit card thieves. I dispute this charge and Capital One has violated its own terms " {$0.00} Fraud Liability '' terms by refusing to remove the charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureau is reporting an inaccurate, incorrect and insufficient debt as of XX/XX/2020 for {$18000.00} listed on my credit file from XXXX XXXX XXXX. I do not owe this debt and I have not received any type of written notification of this debt prior to this debt being placed on my credit file. I have placed a lock on my credit file to prevent these fraudulent measures in the future.
Product: Credit reporting or other personal consumer reports

Subject : Notice Of Dispute - XXXX - XXXX To Whom it May Concern, I am writing to express my significant dissatisfaction and concern regarding the handling of the reporting of the account XXXX - XXXX on my credit report. It has recently come to my attention that there are multiple clear violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. As such, I am requesting immediate action to address and rectify these issues. 

I hereby formally request a comprehensive debt validation, which should encompass the following details : Original Contract : I demand a complete copy of the original contract between the purported creditor and myself regarding the account XXXX - XXXX. 
Original Creditor : Please clearly identify the name and contact information of the original creditor linked to this account. 
Original Open Date : Provide the precise date when the account XXXX - XXXX was initially established. 
Date of Last Payment : Specify the exact date of the most recent payment made concerning this account. 
Date Account Was Closed : Indicate the official closure date of the account XXXX - XXXX. 
Proof of each late payment date I am fully aware of my rights under the FCRA, and it is evident that your company has failed to fulfill its obligations in ensuring the accuracy and validity of reported information. I insist on a prompt response and resolution to address these discrepancies. 

Failure to comply with this request within 15 days from the date of this correspondence will leave me with no choice but to pursue legal action to enforce my rights under the FCRA. Please consider this letter as a formal notice of my intent to proceed accordingly.
Product: Debt collection

the law offices of suttell, Hammer & white sued me and got a judgement against me on time barred debt and now my check is being garnished
Product: Credit reporting or other personal consumer reports

Formal Request to Reopen Previously Filed Claims Dear CFPB Team, I am writing to formally request the reopening of the following complaints previously submitted through the CFPB Complaint Portal, which I inadvertently missed providing feedback for within the allocated time frame due to the holiday season and New Years schedule : XXXX Complaint : Reference # XXXX XXXX Complaint : Reference # XXXX TransUnion Complaint : Reference # XXXX I greatly value the assistance provided by the CFPB and the accountability it brings to consumer reporting agencies. Due to unforeseen circumstances, I missed the feedback window. However, the unresolved issues in these complaints have continued to harm me both emotionally and financially, and it is imperative that these matters are revisited. 
Emotional and Financial Harm Caused Discrimination in Financial Matters : Due to the inaccurate and false reporting on my credit reports, I was denied financing for a new car under account number XXXX with XXXX XXXX XXXXThis forced me, during a separation period from my husband, to ask him to co-sign the loan. Despite being the sole responsible party for all payments, my husband, with whom I am divorcing, was designated as the main buyer. This has not only caused significant financial strain but also severe emotional harm, given the complexity of my personal circumstances. 

XXXX Inaccuracies and XXXX of XXXX : My credit reports show accounts that stopped utilization around XXXX, during the slowdown caused by XXXX. At that time, my wallet was lost and the Unauthorized charges that I did not make, and I reported them all as lost via phone. I trusted that the system would address these issues, but I later discovered that these accounts were neither properly addressed nor resolved. 

Fraudulent Third-Party Assistance : In XXXX, I sought help from American Debt XXXX XXXX XXXX they would assist in disputing unauthorized charges. Instead, they defrauded me, taking my money while allowing the accounts to go into collections. In desperation, I turned to XXXX XXXX XXXX XXXX, who charged me {$500.00} on the monthly basis since mid XXXX but worsened my situation with the same deceitful business practices. When I requested an attorney, as stipulated in our agreement, they refused. Additionally, when I asked for an account ledger and a copy of our agreement, they denied my requests. When I attempted to print a copy of our agreement, the document displayed names of unrelated companies, such as XXXX XXXX XXXX XXXX and XXXX, which I have never heard of, proving I was conned. 

XXXX XXXX XXXX : These persistent and unresolved issues have caused me permanent emotional damage, resulting in anxiety and XXXX. The unfair treatment and harm inflicted by the reporting agencies and third-party companies have left me in a constant state of distress
Product: Debt collection

I am a consumer and my privacy has been breached by unwarranted communications by debt collector attorney XXXX, XXXX XXXX XXXX without my consent. They are contacting consumer for an unverified alleged debt for their client PENNYMAC LOAN SERVICES , LLC who is a debt collector and did not give me an alleged loan. XXXX XXXX XXXX XXXX XXXX is in violation of my consumer rights pursuant to the Fair Debt Collection Practices Act. This matter is currently in federal litigation