23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX ] Account Number : # XXXX XX/XX/XXXX To Whom It May Concern : Thank you for taking the time to read this letter. I am writing because I noticed that my most recent credit report contains late payments reported on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for my Wells Fargo account. 

I want you to know that I understand my financial obligations, and if it were not for divorce expenses, I would have an excellent repayment record. I made a mistake in falling behind, but since then, I have changed careers with higher wages, the divorce proceeding are done and I no longer have the vehicle that was financed through WFDS. 

I am planning to apply for a mortgage within the next year, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it does not reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment on XXXX/XXXX XX/XX/XXXX and XX/XX/XXXX. 

Thank you for your consideration, and I hope you will approve my request. 

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

Furthermore, as you can see from the information above, this agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), 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 to whom the report relates.

They are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that they immediately delete the items specified above from my consumer file with their agency. Failure to do so will require that I take appropriate legal action. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). They knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. 
For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; XXXX. Permissible purpose {$1000.00} XXXX. Defamation of character {$1000.00} XXXX. Damaged reputation {$1000.00} XXXX. Damaged credit worthiness {$1000.00} XXXX. Damaged mode of living {$1000.00} XXXX. Infringed on right to privacy {$1000.00} I demand them to Cease the reporting of this erroneous and deceptive information on my consumer report and delete the specified accounts from my consumer report and all their systems.
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 Equifax 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 Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

I never lived here, I have proof of my last lease. I dont understand how this company is harming my credit and the debt isnt owed to them its owed to XXXX XXXX I would like to Cease & Desist & Protect My Credit Under The Fair Credit Act & Cut All communications to this company in advance.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

IT HAS COME TO MY ATTENTION MY PERSONAL INFORMATION HAS BEEN EXPOSED IN A NATIONAL DATA BREACH. AFTER REVIEWING MY CREDIT REPORTS, I NOTICED SOME ACCOUNTS THAT I AM NOT FAMILIAR WITH. I HAVE ASKED THE CRA 'S FOR VALIDATION OF DEBT HOWEVER THE INFORMATION HAS NOT BEEN PROVIDED. DUE TO MY INFORMATION BEING EXPOSED, I HAVE SUPPLIED A FTC COMPLAINT REPORTING THE INFORMATION I AM NOT FAMILIAR WITH. PLEASE FIND ATTACHED A COPY OF MY ID, THE FTC COMPLAINT, A COPY OF THE NPD REPORT SHOWING MY INFORMATION BEING EXPOSED IN A NATIONAL DATA BREACH AND A VALIDATION OF DEBT LETTER
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain accounts that have been furnished on my consumer report by your agency. These accounts should not be furnished in my consumer report as they are in violation under 15 USC 1681b - Permissible Purpose of Consumer Reporting Agencies.

Under 15 USC 1681b, any consumer reporting agency may furnish a consumer report under specific circumstances, and no other. Subsection ( 2 ) of this statute clearly states that a consumer report can be provided " in accordance with the written instruction of the consumer to whom it relates. '' I have never provided written consent to any consumer reporting agency to report the accounts in question, which directly violates my rights as a consumer. The absence of consent implies identity theft, a serious offense that undermines the integrity of my consumer report. 
I am formally demanding the immediate deletion of the following accounts from my consumer report : Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Furthermore, I would like to draw your attention to 15 USC 1681c-2, which states that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information resulting from an alleged identity theft. I have filed a report with the Federal Trade Commission ( FTC ) regarding identity theft and have been assigned the reference number [ XXXX ]. As such, I kindly request that you comply with this statute and block the reporting of the aforementioned accounts not later than four business days after the date of receipt of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and XXXX inacurrate information caused me to put a id theft report with ftc now none of the bank wil do business with me b/c i filed against thme fair lending act.. XXXX, XXXX XXXX  XXXX , XXXX, i could go one for day how is that rithg b/c i have XXXX job and about 720 credit on all three and 8 paid off auto loans
Product: Payday loan, title loan, personal loan, or advance loan

Dear CFPB, This complaint is to report deceptive financing practices and harassment by XXXX XXXX regarding the purchase of a stove and dishwasher on XX/XX/year>. 
Misleading " Same as Cash '' Offer : The store verbally stated " same as cash '' financing option with 90 days no interest or charges if paid in full. 
I understand that " same as cash '' typically means no interest is charged if the full balance is paid within the specified period. 
However, after making a down payment of {$100.00}, I received a delay in my finance charges that appeared to alter the original terms. 
Changed Documents After Signing : I signed the initial sales agreement. 
Subsequently, I received documents that appeared to change the terms of the financing agreement. 
I believe this constitutes a breach of contract. 
Excessive Interest Charges : Despite making payments, I was charged significant interest, indicating the " same as cash '' offer was not as explained in store. 
I believe these charges are unfair and potentially deceptive. 
Harassment After Payment : After I paid off the entire balance on the appliances, I experienced persistent harassment from the company American First Finance. I just had XXXX and did not have the ability to answer any of their calls or emails. I simply told them over the phone when I made the payment in full I was disappointed in the company and would not do business with them ever again. That I was mislead and completely upset. They then proceed to call and harrass me with numerous phone calls and emails, which I believe constitute harassment.

Complex and Confusing Terms : The financing agreement appeared to contain complex and confusing terms that may not be easily understood by all consumers. 
I believe this company 's XXXX XXXX actions constitute violations of consumer protection laws, including potentially deceptive advertising, unfair credit practices, and harassment. 

I have added example email of them offering Holiday Funds for shopping not explaining interest rates or terms effectively that goes along with what they were saying in store vaguely. 

I request that the CFPB investigate this matter and take appropriate action to hold American Freight accountable for its actions. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Wells Fargo forces me to have accounts that I do n't use. They tell me that if I do n't have a savings account they will charge me fees to my checking account. I opened a business account but I do n't have much activity yet with the account except a couple of transactions, and every month they charge me {$14.00} fee because I have not swiped the debit card XXXX times. I already have my debit card active for my personal account, so 99 % percent of the time I just swipe my personal card. I do n't want to have to close my business account, because of this fee, but it feels like the bank is just gouging my account every month for fees, and not trying to do anything to help me out as a customer. Over the last 12 months, I have XXXX fees totaling {$56.00}. I had to speak to a bank rep XXXX time, and was able to get them to refund XXXX because I was able to show her that I was having issues using my card in the beginning when opening the account, but it was like pulling teeth. I 've also been charged {$15.00} for fees on a savings account that again I 'm forced to have. I was told I needed to have a savings account when I opened my checking account in order to have a " free '' account with no fees. They force me to transfer {$25.00} every month into savings account. If no transfer is made they charge me {$5.00}. Last month my scheduled transfer did n't complete because I had low funds probably, and then it seems to have canceled this months scheduled transfer. So now they slapped with a {$5.00} fee for that. This bank will charge you fees for anything. Please help me get my money back from these theives. It 's all over the news how the bank illegally had their staff create these accounts.
Product: Debt collection

Ive sent out 8 letters to LVNV Funding LLC, they never varified that I had debt and a signed contract. Ive only received one letter back and they sent me a statement from the original creditor. Thats not showing I owe them debt. In accordance to the law they can not do that and without proof I owe them and have an open contract with them they have to delete.
Product: Checking or savings account

My direct deposit is available to me by Wednesday night every week. It is now Friday night and I don't have my deposit. Only yesterday ( XX/XX/XXXX ) did Capital One inform me that they are having an issue by sending me an email describing a generic issue with a third party vendor delaying processing on deposits. I don't particularly care that they are having an issue, but they refuse to make any of my money available to me, not even enough to pay my bills and buy food for the week. I am starving and off my medication until they let me have access to MY OWN MONEY!!!!!!!!!!! I have called three times requesting something, anything they can do to let me have access to at least some of my money. The email they sent yesterday promised the issue would be resolved by last night. I now consider this theft. They have my money, they refuse to let me use it as far as I am concerned. There is no way this is legal. I would bet money the sudden issue with this vendor is a result of them using a lower quality vendor to save money, not caring how it would impact their customers.
Product: Checking or savings account

Had someone depositing money then turn around and take it out, overdafted me and set me back like 6 months of payments on my power bill. Closed my account and went to another bank but still have info on account
Product: Checking or savings account

Bank of America opened a XXXX XXXX checking account for me without my permission or request. This account has a monthly maintenance fee that I never sought to sign up for. I have called several times to address this and they still have not resolved the issue.
Product: Debt collection

I received a call from someone stating he was with the XXXX XXXX County court and was trying to contact my Mother. I asked what it was in regard to and he stated she was being served and he needed to verify that someone would be home. He stated they had made 2 attempts and if she was not available after the 3rd attempt the legal proceedings would begin without her. I was given a number to contact to get more information about the case. The caller stated due to federal regulations he could not give more information because was in the dispatch center. I called the number that was provided and it was the corporate office for XXXX XXXX in XXXX California. That 's when I knew something was n't right. I was able to provide my mother 's social security number so they would speak to me about the file. My mother is deaf which is why she did n't call herself. I spoke with a XXXX and was advised that a debt was owed for an HSBC/XXXX credit card that was opened in XX/XX/XXXX. When I explained that there was no way a credit card was opened in XX/XX/XXXX, he said then why has someone been making payments on the account. He said the last payment received was for {$180.00} on XXXX/XXXX/XXXX. He said that 2 letters were already sent out and wanted to know why they were ignored. I said, I 'm not my Mother so I have no idea. When I asked about it being fraud, he said that would be decided in court. I also asked why this does n't appear on my Mother 's credit report. ( I know what is on her report because I help her monitor her credit. ) He responded there are XXXX reasons. XXXX because they are either waiting on a judgement from the court or for the client to accept an offer an pay the debt. I again said there is no way any credit was opened in XX/XX/XXXX and I know this because I opened up card on my Mother 's behalf in XX/XX/XXXX. He said then you did open the account. I said, no sir that was in XX/XX/XXXX. He told me all calls are recorded and wished my mother the best of luck in court. The call ended. I called back to get more information on the company. XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX. When I asked for more information, he refused and said that he would provide more info when my XXXX mother called. I said I 'm trying to get information so she is available when she is served. He then said that she will be served when he submits the order. That 's when I knew something was really wrong. Someone originally called and said he was from the courts trying to serve my Mom, but she 's always home and no one has served her. The original caller must have been associated with XXXX XXXX and mis-represented himself. The validity of this debt and the dates involved are in question.
Product: Debt collection

Hello, On XX/XX/XXXX I received a letter from a Debt Collection Company stating that they were trying to collect a payment from a dental office. I never received a bill from the dental office. The dental office later sent me a letter that I owed a fee, but the letter was on XX/XX/XXXX and labeled as Delinquent.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reporting of a late payment on my credit report for this account : XXXX XXXX XXXX. 

I have contacted the bank regarding this late payment, and they have approved updating the account to " closed/never late. '' The bank has acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. 

According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. Therefore, I kindly request that you update this account to reflect that it has never been late. I also request a copy of my updated credit report once this correction has been made.
Product: Payday loan, title loan, or personal loan

I got a XXXX loan from speedy cash in XXXX at the moment when I was signing the contract the person giving me the loan stated the contract would be sent threw email did not explain much of the loan I took the loan with out the knowledge of I had to pay back about over {$10000.00} back for a loan that was only XXXX i belive in there end I owe them about XXXX I made my payment on time and more than what I borrowed and there apr was about 135 %
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax several times about not reporting my accounts. Most of my accounts have not been update or lated reported since XXXX of XXXX and XXXX of XXXX. Each week I try to get a free copy of my report online and always denied access to it. Also I did not apply for a mortgage, a recent inquiry for a mortgage company was added to my report which caused my score to drop 51pts
Product: Checking or savings account

On XX/XX/2018, I received an e-mail about opening an " account '' with State Farm Bank. I promptly called my local State Farm agent ; they promptly notified their office. I had a very pleasant phone call and they said they would block any and all attempts to open any kind of account in my name. That was for account : XXXX. 

I received an important notice regarding another ( different ) account opened in my name at State Farm Bank. This was dated XX/XX/XXXX for an account ending I XXXX. 

Whatever State Farm said they were going to do, either they didn't do it or it didn't work!
Product: Debt collection

On XXXX XXXX a statement of an alleged debt in the amount of {$130.00} was mailed out to me. Allied business services is in violation of 15 usc 1692b ( 2 ).

I've sent out an Affidavit of Truth, Invoice, Debt Validation Letter, Cease and Desist, and Exhibits.
Product: Prepaid card

I was supposed to receive funds via direct deposit and for whatever reason I was sent this card. I did not use it regularly. I used the card in my building with my home address and they erroneously placed a fraud alert on my card as they have been known to do regularly, to the extent that litigation has been filed against them and they were fined. They required a physical copy of my ID which I currently do not have as I recently lost it and will not accept my Louisiana WalleXXXX ID which is legally accepted identification. In addition to that, I do not wish for this shady operation to have any more of my information than is absolutely necessary, and this is not necessary. I have requested that they mail my funds to my home, and they have refused to do so. I will not have my money held hostage due to the beaurocratic whims of a nonsense bank. There is no legal requirement binding me to send my ID to them, simply because they lazily employ and arbitrary system. My funds should be mailed to my home, which they have on record as it is where they mailed my card, immediately. I am not jumping through their multiple hoops knowing that despite repeated tries, they will " lose '' my verification, and whatever other inept nonsense they attempt to do, simply because they believe that poor people should just accept whatever treatment they offer. I attempted to resolve this with supervisors, and was ultimately disconnected. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting 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 includes : Account name : XXXX XXXX XXXX XXXX Account balance : {$6700.00} When account was opened : XX/XX/XXXX Account name : XXXX XXXX Account balance : {$350.00} When account was opened : XX/XX/XXXX Account name : XXXX XXXX XXXX Account balance : {$320.00} When account was opened : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Account balance : {$520.00} When account was opened : XX/XX/XXXX Account name : XXXX XXXXXXXX XXXX Account balance : {$1300.00} When account was opened : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries, charge offs and fraudulent collections appearing on my consumer FICO credit report. I've attached the consumer FICO 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, and # XXXX as proof from the US 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 card

Someone applied for a Chase business card in my name without my knowledge or consent. I called the company to dispute this and they denied the application. I am submitted this for a record of the fraud.