23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

RE : LOAN XXXX I HAVE NO KNOWLEDGE OF THIS LOAN FOR {$86.00}, WHICH WAS TAKEN OUT OF MY CHECKING ACCOUNT, WHICH WAS UNAUTHORIZED. THIS AMOUNT WAS TAKEN OUT 3 TIMES. I CALLED XXXX XXXX AND THEY DO NOT HAVE KNOWLEDGE OF THIS LOAN. OR HAVE MONEY THAT AFFIRM PAID THEM THERE ARE NO MONEYS DO THEM.EITHER. 
AFFIRM IS TAKING UNAUTHORIZED FUNDS FROM MY CHECKING ACCOUNT. 
I WOULD LIKE TO KNOW WHAT THEY CLAIM THE LOAN IS FOR..

AFFIRM CALLS IT A VIRTUAL CARD LOAN.

THEY CLAIM I AM RESPONSIBLE FOR IT, BUT I DONT KNOW WHAT ITS FOR.

I WISH SOMEONE WOULD INFORM ME.

HOW DO THEY EXPECT ME TO PAY FOR SOMETHING WHEN I HAVE NO CLUE WHAT ITS FOR? 
WHEN I GO ONLINE TO AFFIRM WEBSITE A GET A MESSAGE MY ACCOUNT WITH AFFIRM IS FROZEN. When I CALL I AM ON HOLD FOR HOURS, AND THE REP DOESN'T COMPREND WHATS GOING. CLAIMS THEY ARE ESCALATING IT. THIS IS GOING ON FOR MORE THAN 2 MONTHS. 
I BELEIVE THIS IS A FRAULENT ACTIVITY BY TAKING FUNDS OUT OF MY CHECKING ACCOUNT. 

AGAIN I CAN NOT UNDERSTAND WHAT THIS LOAN IS FOR, MAYBE SOMEONE WILL FINALLY LET ME KNOW. XXXX XXXX XXXX KNOW XXXX HAVE ALSO MADE AN UNAUTHORIZED WITHDRAWAL FROM MY CHECKING ACCOUNT OF {$10000.00} TO OPEN A SAVINGS ACCOUNT WHICH I KNEW NOTHING ABOUT. 
I ONLY FOUND OUT WHEN I WAS GOING OVER MY CHECKING ACCOUNT. I DONT EVEN HAVE AN ACCOUNT NUMBER FOR THIS..I AM MENTALLY AND PHYSICALLY EXHAUSTED FROM THIS ORDEAL
Product: Debt collection

COLUMBIA DEBT RECOVERY has contacted me numerous of times about a debt I do not have with them for the last 4-6 months about a debt that isn't accurate. This company is in violation of maximum accuracy laws, 15 usc 1681 validate debt laws. This account is not mine I asked them to validate the debt and they couldnt not provide me with the original copy as I requested, which is in violation of code 15usc 1692 unfair practice. I would like them to remove this immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is failing to update their records on my credit file. I disputed inaccurate information which was listed by Bank of America ( BofA ). BofA claimed I was 30 days past due XX/XX/21. I contacted the furnisher & they informed me this was an internal error on BofA 's side & I was never late during that time. BofA informed me they had notified all credit reporting agencies to update their records showing the account was open/never late. I disputed the erroneous information with XXXX and they have failed to update their records or provide me with verifiable proof I was late on XX/XX/21 in their report. I'd like XXXX to be held accountable for complying with FCRA sections 611. I'd also like XXXX to be held account for the negligence and willful noncompliance which relate to FCRA section 616 and 617. Please see the account listed below is updated to reflect the correct status. open/never late. Bank of America # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax used improper network and data security practices that resulted in my personal data being leaked to individuals of ill intent. I should be able to trust a credit reporting agency to take appropriate security measures to avoid compromising the identities and personal financial security of it 's customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company is attempting to collect a debt without a contract. According to 15 USC 1692a, Congressional Findings or Declaration of Purpose, you are hereby informed that as a result of your fraudulent practices, with the intention to cause harm, I have suffered mentally, emotionally, and financially. Your company falsely reported information that resulted in defamation of my character. Further, you created a deceptive form that made the creditors and employers believe that I was in debt, though you could not prove its validity. If the debts were valid you created a false impression that I was not able to pay the alleged debts Rule/Law- Pursuant to 15 USC 1692f ; prohibits the collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. Applicability - Your company is attempting to collect a debt in the amount of {$120.00}, There is no contractual agreement between me and your company therefore your company is in violation of 15 USC 1692 ( f ) ( 1 ). Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. 

Due to your company 's actions, I was discriminated against and denied my right to extend credit. I have suffered emotional as well as financial hardship. 
I hereby grant your company the opportunity to amicably resolve the matter by way of doing the following : XXXX. Deletion from all consumer reports XXXX. Clear away any alleged balance owed XXXX. Pay as per the attached invoice ; {$8000.00}.

You shall be granted twenty ( 20 ) days to respond. 
Rule 301. Presumptions in Civil Cases Generally - explains your duty to respond.

Rule 602. Need for Personal Knowledge - A witness may testify to a matter only if evidence is introduced sufficient to support a finding that the witness has personal knowledge of the matter.

Evidence to prove personal knowledge may consist of the witnesss own testimony.

If there is no response to this letter within twenty ( 20 ) days, all legal rights shall be explored, including but not limited to, legal proceedings necessary in accordance with State and Federal laws. 
Thank you for your attention to this matter,
Product: Debt collection

This account is not mine but is reflecting on my credit reports. 

They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave commenity bank any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX student loan reported missing payment trans Union which impact negative in my credit report.

The account being transfer from XXXX XXXX XXXX to XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding the theft of funds from my Wells Fargo checking account and the subsequent rejection of my claim by Wells Fargo. I strongly believe that my debit card was potentially cloned, as unauthorized transactions were made using a physically inserted card while I was in a different location. Despite my immediate action in reporting these fraudulent activities, Wells Fargo has declined my claim without providing sufficient explanation. The details of the incidents and claim are as follows : Bank : Wells Fargo Claim Number : XXXX Unauthorized Transaction : Date : XX/XX/2023 Amount : {$2100.00} Location : XXXX, XXXX, California Date : XX/XX/2023 Amount : {$2700.00} Location : XXXX, XXXX XXXX, California Claim Status : On the same day as the unauthorized transaction, XX/XX/2023, I contacted Wells Fargo to report the incident immediately. I provided all the necessary details and filed a claim for reimbursement. However, Wells Fargo failed to provide me with any claim status updates. Consequently, on XX/XX/2023, I contacted Wells Fargo to inquire about the status of my claim, only to be informed that my claim had been declined. 

I would like to emphasize that during the time when these transactions occurred, my debit card was in my possession, and I was physically located in a different place. It is physically impossible for me to have used the card at the mentioned location at the specified time. The fact that these transactions were conducted with a physically inserted card raises serious concerns about the security of my account and strongly suggests the possibility of card cloning. 

I request the Consumer Financial Protection Bureau 's intervention in this matter to conduct a thorough investigation. It is crucial to determine whether Wells Fargo has fulfilled its obligations under the Electronic Fund Transfer Act ( Regulation E ). According to Regulation E 1005.6, I am not liable for unauthorized transactions if they are promptly reported. Therefore, I expect Wells Fargo to comply with federal regulations and reimburse the amount stolen from my account. 


I kindly request that the Consumer Financial Protection Bureau promptly investigates this case to ensure a fair and just resolution. I am hopeful that through your intervention, consumer rights will be upheld, and necessary actions will be taken to safeguard against fraudulent activities. 

Thank you for your attention to this matter. I look forward to a timely response from the Consumer Financial Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX Balance Owed : {$590.00} ; XXXX  XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; US DEPT ED XXXX Balance Owed : {$4000.00} ; US DEPT ED XXXX Balance Owed : {$3000.00} ; XXXX XXXX Balance Owed : {$6400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ; XXXX ) XXXX Balance Owed : {$2400.00} ; XXXX ( Original Creditor : XXXX  ) XXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had paid the collection account with Midland Funding LLC and was told that the debt would be removed from my credit report and would no longer negatively impact me within 30 days of payment. It has been over 30 days and the debt/tradeline is still reporting incorrectly. It is negatively impacting my chances of closing on a home in the next 2 weeks.
Product: Credit card

Infomed Synchrony bank of my travel plans outside of the country and to other states within the US prior to travel. These notices have been given to Synchrony two weeks prior to travel and again the day before my travel. Every time Synchrony bank shuts down my cards claiming fraud when they knew I was traveling. I 've spent hours on the phone with Synchrony to correct these issues to no avail. I 've asked for a direct phone number to correct these problems from supervisors and the only answer I ever receive is I 'll send your complaint to upper management.
Product: Vehicle loan or lease

I have a vehicle loan through Exeter Finance. I am XXXX XXXX and Covid slowed business to almost a halt for a few months. I contacted them and let them know my situation and they gladly deferred two payments to the end of the loan and informed me that they would not show up as late payments since they were deferred and no balance was owed. 

I am currently in the process of trying to secure a home loan and come to find out, BOTH payments were reported as late. This is the only thing holding back my approval. I have called Exeter to try and reason with them to no avail. I have sent goodwill letters explaining again with no response. My history with them and all of my other accounts is exceptional besides those derogatory remarks.
Product: Debt collection

My Medical information was sold to Assettcare without my permission from XXXX XXXX XXXX XXXX. I file a compliant with XXXX and I am waiting on a email from them. At this time, I will also inform you that a XXXX entity or its business associate violated my health information privacy rights and/or committed another violation of the Privacy, Security, or Breach Notification Rules. I do not recall giving permission to release my medical information to a third party. Finally, please provide a affidavit signed under XXXX XXXX XXXX that your organization has not violated any portion of FDCPA, XXXX.
Product: Debt collection

I have a debt on my credit from this company. I dont know what the debt is for or why they chose me to place it on my credit. I have been a victim of Identity theft. I sent the company I request to validate the debt and I have been ignored. However, the erroneous/fraudulent account remains on my profile.
Product: Credit card or prepaid card

On XX/XX/2017, I was offered a promotion by a representative from American Express ( Amex ) during a phone call. The promotion was about adding additional authorized users ( additional cards ), and I would earn XXXX Membership Reward ( MR ) points after {$500.00} purchase of each additional card. Up to XXXX MR points in total. I accepted the offer and added 4 additional users to my card. The whole process was monitored by a supervisor of the representative, and they ensured me that they would keep this in mind and if all of the additional cards hit the {$500.00} purchase requirements, they would credit the XXXX MR points to my account. They especially guaranteed this because the offer was initially removed by a representative by accident without my permission, but they manually added this offer and the supervisor promised me that he would honor this promotion. 

All of my additional users spend more than {$500.00} by XX/XX/XXXX this year, but the MR points have not been credited to my account after a few weeks. Therefore, I called Amex multiple times and even reached out their supervisors several times, but they seemed to know nothing about the " promise '' the supervisor gave to me ( he previously said he had put notes to my account to honor the promotion ). Thus, Amex agreed to set up a case for investigation. However, in XX/XX/XXXX, the case was still pending. It has been more than 6 weeks since I first contacted them about this issue. 

Importantly, it is not something difficult for Amex especially when my conversation with the supervisor on XX/XX/2017 is recorded. I feel helpless and depressed because Amex first gave me the promotional offer and guaranteed that the offer would be honored. Then, when I met the promotional offer, they started to shirk responsibilities. Customers are always in a passive role, especially in such situations. I really want to Amex to go ahead and check to the conversation record and honor the XXXX MR points. Keeping promise is an important policy for any merchants.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I'm writing to update you on my ongoing credit report dispute with Equifax, XXXX and XXXX regarding inaccurate information. Unfortunately, despite filing my initial dispute last XX/XX/2023 and exceeding the XXXX timeframe outlined in the FCRA, I have not received any response or update from the bureau ( s ). 

The continued presence of this inaccurate information continues to cause me significant harm and hurting my credit credibility I urge the CFPB to take immediate action and : 1. Investigate the bureau ( s ) ' non-compliance with the FCRA.

2. Demand a prompt and thorough investigation of my disputed information.

3. Hold the bureau ( s ) accountable for the delay and any harm caused.

4. Ensure the immediate removal of the inaccurate information from my credit report if verified.

I have attached the following documents for your reference : * Copies of my dispute letters * Copies of any supporting documentation I provided to the credit bureaus Thank you for your prompt attention to this urgent matter. I look forward to a swift and effective resolution.

Sincerely,
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act gives me the right to contest any information on my credit report that I believe is inaccurate. The data included in it must be documented and validated before its shown to anyone else, because if not then there 'll just have been one person who wasn't doing their job - which means more mistakes! I challenge the reportability of the allegations within my credit report. 
They simply are not true! My credit report is riddled with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting! Please remedy the situation immediatelyNon-compliance with regulations and the law is never acceptable! The
Product: Debt collection

XXXX is still harassing me for a settled debt from XXXX. 

Letter received from Credit Control , LLC on XX/XX/XXXX that states the exact same message used by XXXX XXXX on XX/XX/XXXX. 

The message says : Our information shows : You had an account with XXXX - XXXX XXXX  from XXXX XXXX XXXX XXXX with account number ending in XXXX. 
As of XX/XX/XXXX, you owed : {$370.00} Between XX/XX/XXXX and today : You were charged this amount in interest : Total amount of non-interest charges or fees : + + You paid or were credited this amount toward the - {$54.00} {$0.00} {$0.00} debt : Total amount of the debt now : {$420.00} The law limits how long you can be sued on a debt. Because of the age of your debt, XXXX XXXX XXXX can not sue you for it, and XXXX XXXX XXXX can not report it to any credit reporting agency. The current creditor or debt collector believes that the legal time limit ( statute of limitations ) for suing you to collect this debt has expired. Even if the statute of limitations is expired, you may choose to make payments on the debt. However, be aware that if you make a payment on the debt, admit to owing the debt, promise to pay the debt, or waive the statute of limitations on the debt, the time period in which the debt is enforceable in court may start again. 

In XXXX message says, Dear XXXX XXXX, XXXX XXXX XXXX XXXX manages the above referenced account for XXXX XXXX XXXX and has initiated a review of the inquiry recently received either directly or from XXXX XXXX, the current servicer of this accour For further assistance, please contact one of our Customer Service Representatives toll-free at XXXX
Product: Checking or savings account

In XX/XX/2019 four large withdrawal were taken from my Keybank Health Savings Account. I have recently gone into Keybank and submitted fraud forms as well as to the local police to obtain a police report. 

XXXX {$1900.00} was withdrawn - direct withdrawal to XXXX. 
XXXX {$1900.00} was withdrawn - direct withdrawal to XXXX. 
XXXX {$4900.00} was withdrawn - direct withdrawal to XXXX XXXX. 
XXXX {$1400.00} was withdrawn - direct withdrawal to XXXX. 

Each time there were 2 small deposits followed by 1 small withdraw for the sum. Shortly after, the small money transfers a large withdraw was conducted. 

I discovered the withdrawn while doing my 2019 taxes. My 1099-SA showed Gross Normal distributions of XXXX {$10000.00}. This was much higher than I expected and I started to investigate. 

Keybank has sent a letter stating my claims to not meet their requirements for credit. I have tried to contact the number on the letter but it is always busy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX XXXX has been running " a credit application '' for various " XXXX XXXX accounts '' that I'VE NEVER APPLIED FOR! I've filed various complaints and asked that they STOP! The previous complaint that I filed through you resulted in them " masking ' the inquiry but apparently not in them stopping the activity since on XX/XX/XXXX it was done again according to the attached letter. I WANT THEM TO STOP! In addition to this request I WANT THEM TO PROVIDE ME WITH THE IP ADDRESS THAT THE APPLICATION WAS SENT FROM SO THAT I CAN TURN IT OVER TO THE FBI INTERNET CRIMES DIVISION so the culprit can be prosecuted accordingly. I was told with the XX/XX/XXXX inquiry to ask for this information in writing so in addition to telling them to STOP, I want the IP information sent to me in this response. I want them to remove the fraudulent activity of course.
Product: Debt collection

The summon was served to my ex roommate instead of me so i never received the summons. Now the credit card company has a judgment against me because I apparently " defaulted. '' What is my best course of action at this point? Discuss repayment however there is additional debt they claim I owe ( which 90 % are penalties ), or file for BK? Would disputing the judgement be an option since it was never served to me? This is the only neg that is still showing on my record all of my other revolving debts are in good standing.
Product: Credit reporting or other personal consumer reports

Equifax knowingly generated false reports XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

I have a credit card listed on my credit report that I did not apply for. I have requested proof from the collection agency to no avail. I have never seen the card, did not sign for it nor have I signed any transactions for this card.