23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Credit Recovery Systems, located in XXXX XXXX, NY used constant abusive language towards me, telling me they were going to sue me and that I would be arrested. 

After telling him I would be getting my husband involved, he mentioned, Your husband will keep his mouth shut after today. Very strange behavior from a collection agency. 

Also, one of the men working there, ( XXXX ), continued lying about who he actually was. He claimed his name was XXXX, then XXXX XXXX. After asking XXXX to speak with someone else because he was very rude, he transferred me to XXXX XXXX, who was himself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan I didn't take out from XXXX XXXX XXXX. Please put a fraud alert on this account, my FAFSA stated someone took out a loan of {$550.00} please delete that from your database or investigate. I never authorized that school for anything. I never went there at all.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Against XXXX  XXXX XXXX Misleading Information & Denied Loan Forgiveness To Whom It May Concern, Im reaching out to file a formal complaint against the XXXX XXXX XXXXXXXX for misleading me about my eligibility for loan forgiveness and failing to provide the career support they promised. 

When I first asked about the lawsuit settlement and potential loan relief, a representative told me I didnt qualifybut that turned out to be false. I later found out that I actually did meet the requirements, which means I was either misinformed or deliberately misled. 

Since then, Ive applied for XXXX loan forgiveness program, which is still pending, but I could have pursued the XXXX  XXXX XXXX settlement much earlier if I had been given the correct information. 

On top of that, the university advertised job placement support through their alumni network and career board, yet I never received any help finding employment. I ended up securing my own jobs with no assistance, even though career support was one of the reasons I chose their program.

What Im Asking For : A review of my eligibility for the lawsuit settlement relief I was wrongly told I didnt qualify for.

An investigation into the universitys misleading practices, especially regarding financial aid and job placement claims. 
Any loan forgiveness or financial compensation I may still be eligible for due
Product: Credit card or prepaid card

I received a new master card bill opened in my name addressed to my home address that i never opened with a charge of XXXX $ purchase at XXXX XXXX XXXX which is a fast food restaurant to my knowledge. I called the company " XXXX XXXX XXXX Master Card '' at XXXX XXXX the name on the bill and told them that I never opened the account and it's fraudulently opened using my name and ask them to close it and I'm not paying the balance. Instead they asked my SS #!! .I told them. " Are you kidding me?? why would I like to give you my info when this acct is fraudulent .why would I supply my personal info to close an account after i gave the acct name and account last 4 digit? ..i asked them to close it but they insisted to know my SS # and they werent even interested to know the full acct 16 digits #! I hanged up. I think this company is fraudulent trying to lure people giving their SS #. 
The company name is SXXXX XXXX XXXX   MASTERCARD XXXX XXXX XXXX XXXX AZ XXXX It shows connected with the Citi Group.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS A VICTIM OF IDENTITY THEFT I HIRED A LAWYER TO HELP WITH MY SITUATION. IT WAS SUCCESFUL THE NAME OF THE COMPANY IS AMERICAN EXPRESS A FEW YEARS LATERS I WAS CONTACTED BY AMERICAN EXPRESS AS I OWED MONEY THEY TOLD ME NO I DIDNT THEY REQUESTED INFORMATION TO VERIFY THIS WAS SENT I WAS NOTIFIED I STILL OWED MONIES TO ONE CARD ( ONE ) THIS IS IMPORTANT TO REMEMBER. 

MY CREDIT REPORT WAS HIT. I WAS THEN OFFERED A DEAL TO PAY THEM OVER XXXX US DOLLARS TO CLEAR MY NAME TO GET A CARD ... .I PAID ONLY TO RECOVER MY CREDIT. 

AFTER A FEW MONTHS TO PAY THEM THEY SAID THANKS AND THEN THEY SENT ME A NEW LETTER TELLING ME I OWE FOR THE OTHER CARDS THAT WAS REMOVED BY THEM IN SUPPORT OF EVIDENCE OF A POLICE REPORT AND VERIFICATION FROM THE XXXX COUNTY DA OFFICE THE PERSON DOING THIS WAS ARRESTED HE NOW SITS IN JAIL. 

NOW THEY RE HIT MY CREDIT REPORT WITH TWO NEW HITS OF THE OLD ACCOUNTS AND TOLD ME I OWE THEM YEARS LATER FOR NO OTHER REASON THAN I OWED IT ORIGINALLY AND I HAVE TO PAY. MY LAWYER WHO IS ASKING TO GO THIS ROUTE BEFORE CLASS ACTION SUIT FILED PLEASE CAN YOU HELP ME WITH THIS? 

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

I previously submitted a dispute regarding XXXX XXXX that was deleted and then reinserted. Please remove this account from my credit report. My correct name is XXXX XXXX : Please delete these incorrect variations of my name : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX My current address is : XXXX XXXX XXXX XXXX, XXXX, OH XXXX. Please remove these addresses I have never lived at or may belong to a relative : XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX CT, XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX OH XXXX, XXXX XXXX XXXX, XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX
Product: Credit card or prepaid card

I can not withdraw money or pay my rent from my Way to go card from Florida reemployment. It keeps declining me. It was working fine in XXXX, I went to pay my rent for XXXX, and it declined ; I went to an atm again declined. So I ordered a new card and paid expedited shipping ; thinking this one was damaged, I activated it, and it again declined me. There is absolutely no way to contact anyone. All they have is an automatic response which doesn't provide any help
Product: Credit reporting or other personal consumer reports

As the authorized representative im acting on behalf of XXXX XXXX XXXX implementing my consumer/beneficiary full rights, protection and privacy, over the years i wasn't knowledgeable enough to properly perform on the duties to satisfy my contractual obligations but all has changed thanks to my XXXX and XXXX XXXX XXXX XXXX My discovery is that these Consumer Reporting Agencies are doing unfair practices blocking me from my rights to receive my XXXX given rights to credits for Personal, Family and household purposes, because of the negative things showing publicly to oppress me and lose public confidence, the opt-out disclosure was unconscionable because if i was fully aware i would have never agreed to disclose information pertaining to my experiences and transactions for any CRA to gather from any financial institution that im a party of and doing business with. Any late payments reporting showing my credit usage and payment history is not something I consent to nor would have agreed to if i was given full disclosure conspicuously. Therefore I need The CFPB to escalate this enforcement by blocking all payment history and credit usage from showing publicly on all CRA 'S. I expect this matter to be to my satisfaction in 10 days.
Product: Money transfer, virtual currency, or money service

I got sent a check and deposited into my bank account thinking it was real once deposited. I sent some of it to the person who gave it to me thinking nothing of it and I believe it is fraud. This all happened XX/XX/2022 between the times of XXXX XXXX  through XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain accounts and inquiries listed below from my credit report, as I am a victim of a data breach. This request is pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which provide protections to consumers who have experienced identity theft. 
Accounts : XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$820.00} XXXX. XXXX XXXX Account XXXX : XXXX Dates : XX/XX/XXXX, XX/XX/XXXX Amount : {$840.00} XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$280.00} XXXX. XXXX Account Numbers : XXXX, XXXX Dates : XX/XX/XXXX, XX/XX/XXXX Amounts : {$400.00}, {$580.00} 5. DPT EDXXXX Account Numbers : XXXX, XXXX, XXXX Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$120.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$1300.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( multiple inquiries ) - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( multiple inquiries ) - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

My bank keeps refusing to approve a credit card for me most recently I applied again and the only reason stated on this letter is ridiculous excessive number of new credit obligations this is not fair its the only reason everytime I apllied for a card with them they deny me for any reason
Product: Debt collection

On XX/XX/XXXX I began my move from XXXX to XXXX with a valid XXXX. In XX/XX/XXXX I received a notice of a toll violation in XXXX from a collection agency XXXX XXXX XXXX ( XXXX ) requesting payment in the amount of {$66.00}. Prior to the notice from XXXX I received no notice from XXXX DOT that there equipment failed to read my valid XXXX. I contacted XXXX when I received the notice and explained that I had a valid XXXX. They informed me that I would need to prove that my XXXX  was used during my move to XXXX. I sent them the requested documentation a week later. Today XX/XX/XXXX I received another notice that the timeframe to dispute the violation had expired. 
The actions of XXXX are unfair and their practice of threatening me with additional penalties and consequences are in my opinion illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations attached potentially Negative show XXXX XXXX XXXX/XXXX/XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX/XXXXDispute XXXX XXXX, XXXXDispute XXXX XXXX, XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXXDispute XXXX XXXX/XXXX
Product: Debt collection

I received a call from XXXX left a message regarding a complaint forwarded to there office and pending actions against me failure to contact will result in a final decision without my consent. Phone number to contact is XXXX ref # XXXX When I called not knowing it was a debt collector the person stated that it was for an old account that has reached it's statute of limitation but that I could be sued to collect such debt. They gave me my SSN and my address in XXXX, CO the debt collector is in CA. They stated that I opened a bank account with Bank of America on XX/XX/XXXX - XX/XX/XXXX and owed Bank of America money. I informed them that lived in XXXX, CO and during the dates mentioned Bank of America did not have any local branches. Furthermore, I have never had a Bank of American account nor did I owe any money to this entity. They proceeded to inform me that since I did not acknowledge the debt I would be sued. I would soon be served with a court summons. I attempted to locate the name of the debt collector in the CA secretary of state but I could not. I called the debt collector and they gave me an entity number. listed as XXXX XXXX XXXX WHICH WILL DO BUSINESS IN CALIFORNIA AS XXXX  - XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2023 I received two letters from genesis card services regarding a credit card opened up in my name. The first letter was about a credit protection plan offered by them. The second letter stated that the address on the account had changed. The date on these letters was XX/XX/2023 On XX/XX/2023 I checked my transunion credit report and saw that on XX/XX/2023 there was a credit check against my information from genesis card services. 

On XX/XX/2023 I called the number on the letter from genesis card services and reported to them that my information had been used to take out a card in my name. They submitted a report then requested that I submit a complaint through this site. The person stated that I would have to send a letter ( that I will receive from you ) and send it to them.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Inquiries : XXXX XXXX XXXX XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity XXXX.
Product: Credit card or prepaid card

On XX/XX/2022 someone tried to apply for online for a BoFA XXXX XXXX XXXX XXXX XXXX card. 
The person who tried to apply for the card was not able to. 
XXXX I received a letter from BoFA, dated XX/XX/2022, that in order for them to process my application I would need to lift the restriction on with XXXX and XXXX. 
My credit has been frozen with all three bureaus for almost a year now. 
I called today XX/XX/2022 and spoke to XXXX. I gave her the reference number on my letter so she was able to pull up the application. 
I advised her that this application was fraudulent and please report this to their fraud department. 
She stated that the only thing she can do is to close the account due to fraud but they do not send these to their fraud department to investigate. 
Something more has to be done about consumer fraud today!. BoFA is a huge company that needs to do more to protect the consumer. 
I would like someone to appeal to BoFA to look into this matter. 
Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX has violated my rights. 
XXXX  XXXX account # XXXX has violated my rights. 
XXXX  XXXX account # XXXX has violated my rights. 
XXXX XXXX XXXX account # XXXX has violated my rights. 
XXXX  XXXX XXXX account # XXXX has violated my rights. 
XXXX XXXX  XXXX account # XXXX has violated my rights. 
XXXX XXXX account # XXXX has violated my rights. 
XXXX XXXX  account # 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 an 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 and other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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: Checking or savings account

Between XXXX and early part of XX/XX/2022, i noticed that my debit card had multiple unauthorized charges that summed up to {$2400.00}. I immediately called my bank XXXXBNY Mellon and reported the issue. My old debit was closed and a new one issued. I was told an investigation will take place and i should get the unauthorized funds returned to my account. However, i was shocked when i checked my mail around XX/XX/2022 and received a letter from Card Services at my bank notifying me they closed the investigation because they had called me once and were unable to get hold of me ( yes one time ). I was told to call the number on the letter ( XXXX x XXXX ) if i had any issues regarding the letter. I have called that number atleast 40 times in the last month and left messages and no one ever returns my calls. I then called card services at my bank to notify them of the situation and i was told to write an appeal and fax it to XXXX. I wrote an appeals letter and faxed it 9 times on different occasions and never heard back from my bank. I then called card services to notify them that it's been 2 months since i filed a dispute and they have been ignoring me. I have spoken to several managers at the call center and they keep ignoring my plea and appeal. The only response they give me is for me to wait and some one will call me one day. It has BEEN OVER 2 months and i feel robbed by my bank. I need my money refunded with interest immediately. By the way i have a fidelity investments trading account and XXXX/BNY Mellon is the bank managing the checking account. WORST BANK EXPERIENCE EVER.
Product: Mortgage

A second property that I previously owned was foreclosed on XX/XX/2011. This property had both a first and second mortgage on it with XXXX XXXX XXXX. The first was properly foreclosed on and was properly reflected on my credit bureau. The second mortgage was sold to a company that is now calling itself Ditech Financial. This loan states that the account was charged off however it is still reported with a past due status on my credit report. When I contacted the company to resolve the issue, they attempted to collect money from me ( even though the credit report clearly reflects that the loan has been charged off and written off their books ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : ( XXXX XXXX XXXX XXXX ) Account # XXXX, ( XXXX ) Account # XXXX, ( XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX XXXXr ) Account # XXXX, ( XXXX of XXXX XXXX ) Account # XXXX, ( XXXX Bank ) Account # XXXX, ( XXXX XXXX XXXX Account # XXXX, ( XXXX XXXX XXXX Account # XXXX, ( XXXX ) Account # XXXX, ( XXXX XXXX XXXX  Account # XXXX, ( XXXX XXXX ) Account # XXXX, ( XXXX XXXX XXXX  ) Account # XXXX, ( XXXX ) Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, ( XXXX XXXX ) Account XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, ( XXXX XXXXr ) Account # XXXX, ( XXXX ) Account # XXXX, has violated my rights . 

15 U.S.C 1681 section 602 A. States I have the rights 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 reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. see Attachement
Product: Debt collection

Have previously disputed an account with Midwest Recovery Systems, and have had it removed before. Now 3+ years later they are doing the same thing.
Product: Credit reporting or other personal consumer reports

Please be advised this my THIRD WRITTEN REQUEST and FINAL WARNING that i fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is min and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract eith my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information which can not be verified.
Product: Debt collection

There was a Notice and Demand for Payment to recoup the exact value of the illegally collected debt in the amount of {$1600.00}. It is accepted that Merchant 's Credit, by not validating the alleged debt, are the illegal collectors of this debt and are personally liable for this amount of debt in this Notice and Demand for Payment. Though validation of this debt was attempted through mail, no validation occurred and the debt is being collected illegally.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am Demanding a re-investigation with XXXX account # XXXX that is listed wrong on my credit profile this account has the wrong balance and has been paid in full. This account is not accurate error please delete. FCRA 611 ( 15 U.S.C. 1681I ) The account is settled in full and need to be removed the information is incorrect on my credit report.
Product: Debt collection

Enclosed is a fraudulent request for money under threats with information on where to send money. This place has called me numerous times and threatened my wife and XXXX  child. They have said that they have connections with XXXX an that if I do not wire them {$3000.00} they will have my XXXX  child given to XXXX  thru XXXX, threatened to ruin my businesses reputation, and many more threats beyond what they put in writing were by phone. I don't owe any debts and this is a collections scam. If this company is legal it needs to be shut the XXXX down for trying to collect on non-existent accounts thru collections fraud and thru threatening XXXX, my wife with XXXX and XXXX and me as XXXX XXXX XXXX XXXX  with XXXX. I want this filthy degenerate company to stop their scams and stay the XXXX away from me and family.