23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

BAY AREA CREDIT SERVIC You've committed " FRAUD '' It has been brought to my attention XXXX5 usc 1692 ( a ) ( i ) you have reported my personal/private information with third party agencies with out direct consent from me the original " CREDITOR '' Pursuant to usc 1605 the finance charge is the sum of charges with insurance included Pursuant to 15 usc following 15 usc 1635 Rights of Recission I demand you remove these neagative items off of my consumer report!
Product: Credit card or prepaid card

On XX/XX/XXXX I sent in a check for {$10000.00} to completely pay off my credit card. At that time. The account showed a negative balance of {$420.00}. 
IT IS ILLEGAL TO ADD CHARGES TO A CREDIT CARD AFTER THE CARD HAS BEEN PAID OFF!!! 

AFTER THE FACT, on XX/XX/2019, Chase decided to charge a {$75.00} interest fee ... AFTER THE CARD HAD BEEN PAID OFF 100 % on XX/XX/2019.
Product: Credit card

On XXXX/XXXX/2015, I was a victim of a case of extortion, coercion, and credit card fraud by the merchant XXXX XXXX XXXX XXXX while I was traveling abroad in XXXX, XXXX for the total amount of {$3900.00} which was made in XXXX separate transactions of {$1900.00} and {$1900.00} with XXXX separate credit cards on my Barclaycard Arrival Plus MasterCard and XXXX XXXX XXXX XXXX, respectively. After the incident, I called to report the transaction as fraudulent to both of the XXXX credit card companies and banks involved : XXXX XXXX ( for XXXX XXXX XXXX XXXX ) and Barclays Bank ( for Barclaycard Arrival Plus MasterCard ). Additionally, I filed a police report in my local jurisdiction for the incident. To my exasperation, the credit card companies refused to acknowledge the transaction as fraudulent, instead insisting it was merely a billing " dispute. '' As such, they did not investigate the case as fraud. Although a billing dispute did ensue with the merchant through the bank, ultimately I lost the case due to the merchant producing an alleged piece of evidence ( a copy of the signed receipt ), thereby closing the case in the favor of the merchant. I attempted to notify the banks that this piece of evidence was falsified by the merchant and pleaded my case that I never received the goods and services that were itemized on the receipt, to no avail. 

I am filing this official compliant with the CFPB today against Barclays Bank in particular. Not only because I maintain my claim as the victim in this case and of the falsified evidence used in the dispute, but also because I believe the banks wrongfully did not pursue my case as fraudulent, despite the fact that extortion/coercion is illegal and the transaction was a result of criminal activity. By demoting the incident to a mere dispute and refusing to classify it as a case of fraud, I believe I was treated unjustly and my rights as a consumer were not upheld. Therefore, I am requesting the credit card companies and banks involved to credit me the entire amount of the fraudulent transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

In light of the recent security breach of equifax I 've had to freeze my credit and incurring the fee, especially from Equifax seems a bit like a slap in the face. 

It was their poor security that led to this, why should they be rewarded with more money to bandaid their own mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to ALL XXXX credit bureaus- XXXX XXXX Experian XXXX XXXX several times to have this account with ( XXXX- name reported on my credit report ). The first time was for them to verify this account- XXXX and send me documents of their method of verification and proof. I RECEIVED nothing but a stall letter saying that I the account was verified. The second letter I asked for a reinvestigation and they replied with the same letter and ignored my request. I also pointed out some violations on this account to the bureaus that was also IGNORED. This account have different information reporting from each bureau which lets me know that they are also in VIOLATION of Metro 2 Compliance. Each bureau is showing DIFFERENT account numbers on my credit report, HIGH BALANCE, LAST VERIFIED DATE, OPEN DATE, & CLOSED DATE, just to name a few. This information is INACCURATE which explains WHY the XXXX credit bureaus CAN'T verify this account and present me actual PROOF of their method of verification of WHO they verified this account with and the actual ORIGINAL DOCUMENTS bearing MY SIGNATURE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my rights. 

XXXX XXXXXXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MA XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX I received a letter letting me know my mortgage loan had been sold to XXXX XXXX XXXX services from Caliber Home Loans. XXXX started collecting my payment since XX/XX/XXXX. On or around XX/XX/XXXX I called into experian to dispute the account still showing open, yesterday I got my an email about the results of my dispute and the dispute came back verified no changes. I don't know how they can verify the account still open Caliber Homes Loans have sold the loan. The Loan needs to report closed paid in full from all 3 credit bureaus XXXX, XXXX, and XXXX.
Product: Debt collection

I bought furniture from XXXX here in XXXX of XXXX. I thought I had 3 years to pay without any interest. No one at XXXX explained the terms or explained the " deferred interest concept which I was never aware of. I began to make payment religiously on the web site. I paid what they stated that I needed to pay. I never missed a payment. After 24 months I went to make a payment only to find out that my balance just doubled. Not knowing why I called them up to find out why. Iw as then told of the deferred interest charge. I offered to pay the balance to conform to the 24 months terms but they refused since I was only 9 days late. I acknowledge that I was deceived and maybe I should have been more careful but the following, I believe, show how deceptive XXXX and XXXX XXXX ( the financing Bank ) are. 1- Monthly payment was not equal so that balance would be paid over 24 months.
2- There was no reminder, note, or any indication of the fact that the balance needed to be paid over 24 months or else.
3- When I became aware of the terms, it was only 9 days and they should have accepted payment.
4- My balance literally doubled overnight. I am currently paying since I am trying to protect my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two account loans listed on my credit file that are my sons and outdated which the DLA is inaccurate. I 'm requesting these two loans be removed off of my credit file ASAP they are XXXX # XXXX for {$51000.00} XXXX # XXXX {$49000.00}
Product: Credit card or prepaid card

My Spouse XXXX XXXX XXXX, Submitted our joint tax returns from the IRS for the previous two years as requested by American Express during the credit limit increase process. Problem I have with this is American Express has not explicitly written to confirm receipt of these sensitive documents. I ( XXXX XXXX XXXX XXXX XXXX am not an American Express card holder, this would be considered collecting third party information. Without American Express making a decision on the credit limit increase, I have no way of knowing if American Express is simply collecting these documents and what they're intent and purpose is. This is unethical and should be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC I demand you to remove the account from all 3 of my credit reports asap or I will file litigation against your company for furnishing a false account on my credit report. 

I constantly check my credit report, I noticed that the errors and misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 percent correct. This has damaged and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of these items I demand every item on this letter be reinvestigated for the completeness and accuracy and deleted as it dont meet the standards that are required under the us code. 

PLEASE BLOCK ALL THE ACCOUNTS LISTED ON THIS FTC REPORT, THESE ACCOUNTS ARE NOT MINE. THEY ARE A RESULT OF IDENTITY THEFT. IVE BEEN A VICTIM OF REAL NAME ID FRAUD. THE COMPANIES LISTED ON THIS FTC REPORT HAVE TO VALIDATE THE DEBT AS MINE AND VALID. PLEASE REMOVE THE FOLLOWING NAMES, PHONE NUMBERS, ADDRESSES, EMPLOYERS AND ANY OTHER VARIATIONS THAT MAY NOT BE LISTED ON THE DOCUMENT. REFER TO ATTACHMENT 1. 

MY LEGAL NAME IS XXXX XXXX XXXX PLEASE REMOVE THE FOLLWING NAMES AND ANY OTHER NAMES YOU HAVE ON MY CREDIT REPORT THAT MAY NOT BE LISTED ON THIS DOCUMENT : XXXX XXXX, XXXX XXXX XXXX MY CURRENT ADDRESS IS- XXXX XXXX XXXX XXXX XXXX MI XXXX PLEASE REMOVE THE ADDRESSES AND ANY OTHER ADDRESSES YOU HAVE ON FILE FOR ME XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX, XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX MY PHONE NUMBER IS- ( XXXX ) XXXX PLEASE REMOVE THE FOLLOWING NUMBERS AND ANY OTHER PHONE NUMBERS YOU HAVE LISTED ON MY CREDIT REPORT MY SOCIAL SECURITY NUMBER IS- XXXX PLEASE REMOVE THE ALL OTHER SOCIAL SECURITY NUMBERS OR VARIATIONS FROM MY CREDIT REPORT PLEASE PLEASE REMOVE THE FOLLWING EMPLOYERS AND ANY OTHER EMPLOYERS YOU HAVE ON MY CREDIT REPORT THAT MAY NOT BE LISTED ON THIS DOCUMENT : XXXX XXXX XXXX XXXX  HAPPY S
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this Complaint to delete the following fraudulent information in my Credit file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that the Credit Bureaus immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete these items as soon as possible : XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$5300.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$5300.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/year> ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$5300.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. Kindly investigate my claim in accordance with the Fair Credit Reporting Act.I request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

A company by the name of new American funding which is a margin mortgage lending company has violated my rights to the equal lending process because I am a XXXX person I was given a loan approval and the loan was frivolously extended and prolonged until their became problems with the sale of the property as a way of deterrent me or discouraging me from the home buying process after being misled and led to believe that the loan was going to be approved for over 60 days the loan was denied without a denial letter
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a notification from XXXX XXXX  that my personal information was exposed during a data breach taking place earler this year. 
I also received a notification that a creditor on my credit report ( XXXX  XXXX XXXX XXXX had a data breach where my personal information was exposed. 

I have an inquiry on my credit report that I did not authorize or solict their products. 
XXXX. XX/XX/2023. Equifax I contacted Equifax on 5 different occassions : XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 and XX/XX/2023. On all these occassions I was told that the item would be removed and was giving a conformation number. But whenever I called sharing the conformation number I was told it would take up to 30 days to be removed. During the last call I was told " it was not removed because we could not read your driver 's license '' I asked to speak to a supervisor and was put on hold for 27 minutes and once someone answered the call was disconnected.
Product: Credit reporting or other personal consumer reports

Im just starting to to be an actual adult in society and I decided I want to get a new car get an apartment so I csign up for experian, and check my score and I see clear identity theft all over my report. Its so many of accounts that I never used opened anything, my identity got stolen I reached out to them several times and nothing works with this company
Product: Debt collection

15 U.S. Code 1692g states that : a ) Notice of debt ; contentsWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a  statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. I didn't receive this notification and this debt is not owed. I don't have a contract with the creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not returning my credit score to the original score of XXXX from XXXX they bumped it to XXXX big deal. This incident was all created by XXXX  XXXX credit card XXXX. I had an agreement with XXXX  XXXX that there would never be any service charge of any kind for this card. Then they created a charge without my knowledge wich I was only brought aware of after the credit agency contaced me and said theres a late charge on your credit. I called XXXX  XXXX several times and they admitted fault and agreed to cancel the account. Then I rechecked the account and it once again says I owe like XXXX. this company is forcing me to pay for something I canceled several times while in the process has damaged my credit score. I am sick and tired of dealing with these fraudulent people Thank You XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN IN CONTACT WITH EQUIFAX FOR THE LAST YEAR OR SO ABOUT THESE FRAUD ACCOUNTS AND THEY STATE THEY WILL DO A INVESTIGATION AND THEN THEY RETURN WITH THE ACCOUNT IS MINES, HOW CAN A ACCOUNT BE MINES WHEN I SUBMITTED VERIFCATION OF MY ADDRESS FOR THE LAST FIVE YEARS IN XXXX, AND THE ACCOUNTS MAILING ADDRES WAS XXXX. I HAVE SUBMITTED POLICE REPORTS SIGNED DOCUMENTATION WITH MY SIGNUTURE IN FRONT OF A NOTARY.I HAVE BEEN GETTING NO WHERE WITH THEIR COMPANY THEN THEY SAID I WAS BEING HANDLED BY THE SPECIAL INVESTIAGATION TEAM AND THATS XXXX BECAUSE THEY DID NOTHING DIFFERENT THAN BEFORE. I HAVE BEEN DISPUTING THE SAME ACCOUNTS FOR MONTHS AND ITS BECOME UNBEARABLE THAT THEY HAVENT CORRECTED THE ERROR. XXXX XXXX XXXX XXXX XXXX, XXXX, AND XXXX XXXX ALL ARE FRAUD ACCOUNTS
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report has a late payments for apple credit card and its affecting my credit score I wanted to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
..Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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

.15 U.S.C 1681 section 604 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions..

.15 U.S.C 1681 ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information..Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years ....

15 U.S.C 1681 5-2 ( 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: Credit reporting or other personal consumer reports

I XXXX XXXX have been not only apart of data breaches but also the one from XXXX!! I have multiple items and addresses and inquiries that are on my FICO reports that are not mine. I do not and have NEVER given these companies my consent for anything. I filed as instructed by Federal Law under XXXX to block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Instead XXXX said they no longer follow this procedure?? They DO NOT make the Rules and who are they to go back to the very accounts that were apart of Aggravated ID theft and verify through electronic buttons?? THIS IS NOT THE LAW AND I NEED YOUR HELP TO ENFORCE THIS CRIMINAL ACT. They had XXXX days to block, and send a letter, they DID NOT DO THIS. The accounts are hurting me financially and they are committing conspiracy now. ALL three are Criminals and not protecting the XXXX XXXX are Violating the XXXX and other codes with intent to harm me
Product: Mortgage

US Bank requires that I escrow funds for insurance and taxes. For the second year in a row, they did not submit payment for my insurance in a timely manner. 

I have called them and asked for them to stop escrowing funds so that I can pay both my taxes and my insurance in a timely manner. They told me that I have to pay them to end the escrow process.
Product: Checking or savings account

This is my second formal CFPB complaint to Wells Fargo. My original, CFPB No. XXXX, regarding the company 's mishandling of my deceased grandma 's ( XXXXXXXX XXXX XXXXXXXX XXXX ) two IRAs resulted in me receiving the attached email from XXXX XXXX, Exec Office Case Specialist, sending an email to me addressed to my deceased grandma. How cruel and unprofessional!! Over a week ago, I called the phone number for XXXX XXXX and left a message pointing out this error and requesting a call back from his manager due to this insensitive email. However, to date, I have received no call back. I am not understanding why his voicemail specifically says that you will receive a call back within 24 hours ; however, this handler and his manager does not return calls. I would like a phone call back from this handler 's manager within 24 hours or I will be filing a complaint with the NC Attorney General 's department.

I would appreciate it if your company would also attend to my mom 's issue, as your company has informed numerous people ( my mom, my grandma 's executrix, and a manager of XXXX XXXX  ) that she is a beneficiary of one of my grandma 's IRAs. However, your company will not release the funds. She has sent the paperwork twice. This is not fair to do to my mom, who has a terminal illness, and has XXXX XXXX XXXX!