23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Opened a best buy store card with Citi bank. Was able to use it after getting it but returned items i purchased using card. I wanted to verify funds was returned to card and tried to access this information online. Kept getting error message and called company who told me i had to verify account with letter they sent to my address. After informing them i never received any such letter they said they would resend it. After waiting a few weeks and still not receiving letter, I called in again and was told they couldn't do anything with out verification letter and they will have to send again, I asked to speak to supervisor as two failed attempts at getting letter i should be able to get proof they sent letter. They said they couldn't give me any tracking info and I asked to close account. They told me they couldn't until I get letter that they can prove they sent. I then asked to speak to supervisor again as i should be able to close account they proceeded to hang up phone. When i call back now system sends me back to same department and when call connects they hang up the phone. I just want to close my account as this is shady. Company has disconnected my call every time i call in now so if I do ever receive this supposed letter i have no way of verifying as company blocked my number
Product: Money transfer, virtual currency, or money service

Six days ago I got a phone call from a lending agent claiming to be with lending tree telling me that I got approved for the personal loan I requested his name is XXXX XXXX. So not thinking about it throughly I got excited so then XXXX started to explain the process which sounded legitimate at the time because it sounded just like the last legitimate loan agency I went through said but then I started to get nervous and suspicious about what came next he had told me that I would have to pay an insurance fee because of the loan amount being so high and that it would be the government that pays the fee I would just have to have it deposited into my account to verify that it is my account. Which at the time sounded legitimate but then when he asked me if the money was added to my account I told him yes then he said that I would have to transfer it back to the insurance company but I got really suspicious when he said I had to transfer the funds through cash app. I then asked about it and he said its not issue its just the fastest was to get the funds. So I unknowingly sent the money then when he requested more money from me just today I called him out on it being a scam he kept telling me its not a problem Im with lending tree so when I asked him to speak to the insurance people about whats going on he put me on hold for almost a half an hour before I hung up and called lending tree and thats when I got my confirmation that is was a scam. So I blocked his number and requested my funds back from cash app and reported it to cash app. Ive also reported it to lending tree and they are doing a full blown investigation on this XXXX XXXX person.
Product: Debt collection

Over the last 4-5 weeks, Gatestone and Co. International has called my employer, relatives and friends about an XXXX bill I owe. 
1 - They do not call me at all. I had to get messages from friends and family about their calling. Called my family liars when they said I was not home. Gatestone is calling people all over the US who I DO NOT live with and haven't spoken to in years. I had to call them to find out who they were and what debt. 
2 - The debt they were calling about, yes I owe but not behind in payments. So I asked why they continue to chase ... no response, just repeating that I owe money 3 -  Specially told them not to call anyone but me and they have my number ... They are harassing my ex-husband & his family. We have been divorced 13 years 4 - Today XX/XX/XXXX, they called my employer insisting that I handle this debt and call them back. Again, embarrassing, no phone to me and my account is up to date. 

This is outrageous!
Product: Credit card or prepaid card

I was charged an ungodly amount of money for late fees that I feel were unjustly placed on my account. I received no notification from the bank that I had a charge on my account, and once I received notification I paid the bill in full. I then receive notification that I'm being charged a late payment fee associated with the bill that I previously thought i paid in full, and because they did not receive the payment for the late fee they arbitrarily decided I owe they added an additional late fee onto the already assessed late fee. I attempted to dispute the fees with Citibank and closed my account. Then after about 5 months i run my credit report and find that they have reported 90+ days of late payments on my credit report for an unpaid balance of {$120.00}. The entirety of the original charge was {$50.00}. How they have amassed and justify {$120.00} of charges associated is beyond me and should be illegal. They also charged me interest on the late fees. My bill came out to {$120.00} ( which I only paid to avoid a continuing negative reporting ). I have contacted Citibank several times to try and resolve this issue and get my money back and have the negative reporting removed from my credit. They have been unwilling to remove these unethical and arbitrary fees and negative reporting. I have also been working through the XXXX   to attempt to resolve this and they have repeatedly ignored me and the XXXX. This issue began in XX/XX/XXXX. I filed my first complaint with the XXXX  on XX/XX/XXXX. Their response to the XXXX  on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all indicate that they will respond to me directly in writing within 14 days and I have only received correspondence once on XX/XX/XXXX. The correspondence essentially told me that there was nothing I could do, they did not care about me as a consumer, and that they were going to leave the negative reporting, and that they were going to keep my money. Please assist me in resolving this issue. 

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

Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX  XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 contacted Trans Union to initiate a dispute for an Identity Theft issue regarding a credit card. I was directed to speak with the " Special Handling Department ''. Upon speaking with that particular department representative I was informed that they were going to " merge '' my file with another file the was in their database that contained similar information to mine. Unbeknownst to me this was information that was previously removed from my credit file due to a previous identity theft issue that was successfully disputed and removed from my credit profile years ago. The special handling representative erroneously placed this fraudulent account back on my credit profile with out my knowledge and full understanding of what she was doing with my account information. the following account : US DEPT OF EDUCATION Reported : XXXX XXXX XXXX XXXX  Closed was removed due to fraud and Identity theft several years ago and transunion just recent added this back on my credit profile, please see attached police report and FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXX  XXXX Balance : {$220.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Debt collection

I received a note on my front door on XX/XX/XXXX from Franklin Credit Management Corporation to call regarding a debt. There was no account number provided. The number is XXXX. 

I called and the woman asked me to verify it was me by giving my SSN and I foolishly did so. She said it was for a second mortgage in XXXX. I told her I never had a second mortgage and if this was truly a debt it was no longer cals 14 years later. She told me to make a fraudulent mortgage report with the police because it was real and her attorneys were handling it. She said. Could send them an email requesting all of the supporting documentation and gave me the email address but still no account number. ( XXXX ) I asked if I had taken a second mortgage out in XXXX why had it never shown in my credit report? Ever? Because this was fraud. She hung up. 

I sent an email requesting supporting documentation and if they did not have it to stop calling me. I did not receive anything. 

Today, XX/XX/XXXX, I received a call from the same company, same woman and when I said she and I had this conversation last week she hung up on me. When I call the number back now nobody answers. This needs to be stopped. How many people are falling for this?
Product: Mortgage

The note on our home located in XXXX California allows us to pay our mortgage to LoanCare right up to the XX/XX/XXXX of the month, I pay it through my bank with online banking so I 'm never late. however despite paying LoanCare on the fifteenth of the month they always send me a late payment notice demanding and extra {$50.00} as a late fee multiple times with a letter, however, we are not late. If I thought there was a problem with my bank then I would file a complaint with the Controller of the Currency, but my bank pays everything on time as reflected in my credit report scores. I have already notified LaonCare to stop this practice and they have replied with a letter, however I don not expect any change. now they are notifying me our home owners insurance has expired 19 days after the date they allege our hazards insurance has expired forcing us to comply with the choice of their insurance company resulting in higher fees. These are deceitful and misleading practices and need to be stopped.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized credit inquiries listed on my credit report. I have recently reviewed my credit report and found inquiries that I did not authorize, which I believe are the result of identity theft. These inquiries are negatively affecting my credit score, and I am requesting their immediate removal from my report. 

The unauthorized inquiries in question are as follows : 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 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  ) I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. ese accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.
Product: Debt collection

FINAL WARNING! 

As a result of my previous complaint, both myself and the CFPB have confirmed that this company did not send what was requested and what is mandatory to have in order to report to my credit. Their neglect to have any sufficient evidence and proof that the account belongs to me makes them in complete violation of the FCRA 623.

Thankfully, the CFPB representative just directed me to helpful legal authorities, but in an attempt to resolve it without suing the collection agency, I am giving them one last chance to delete the account immediately. I have  recorded my phone call as well with the CFPB of them stating that what was sent is not what was requested nor is it proper validation. 

An itemized bill that your agency typed up or printed out is not validation! An original contract bearing my signature is required according to the FCRA.
Product: Mortgage

Bank of the West was asked to submit an itemization concerning the breakdown of figures for a mortgage Reinstatement and it was discovered that payments in the amount of {$5300.00} had not been properly credited. Additionally, the P & I payment was {$760.00}, representing an overpayment from XXXX, 2006 of {$490.00}. 
I was previously provided statements from XXXX, XXXX XXXX showing that the legal fees charged back to me were incurred after BOW continued to accept my monthly payments. This is in direct violation of Nebraska statutes regarding the acceptance of mortgage payments after default. These fees are not legitimate or collectible in the amount of {$1500.00}. 
The appraiser called me and said that he must have access to the inside of the property for an appraisal for BOW. I informed him that the mortgage was being reinstated and that he was specifically denied access to the inside or the outside. The appraisal fee in the amount of {$370.00} is fraudulent. 
In addition, BOW forced an insurance policy on the roperty where there was already XXXX in place charging {$1400.00} for it increasing my claim to {$9100.00}. 
BOW previously provided figures to this agency in a related complaint none of which included the return of overpayments collected by them and the records further provided by them proves they did not. 
BOW has now, subsequent to the previous reporting against them, charged {$230.00} in junk fees to my personal account. Note that after a check was paid, the balance was positive XXXX. This is subsequent to my previous complaint to your office. The information above is new information regarding the previous complaint to your office. 
Your review of this matter is greatly appreciated.
Product: Credit reporting or other personal consumer reports

I lost my phone with all my contacts, apps and other personal information. While waiting on my new phone I received an alert from my security company stating that someone tried to apply for credit using my name and information!
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 USC 1681. 

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 All the above 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 a 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

I was part of the XXXX credit information hack. It is unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or XXXX in the first place. 

Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. 

Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

One of the accounts held by XXXX XXXX is fraudulent and was not opened by me or with my consent. I have an account which shows paid on time and in full with XXXX XXXX which is valid, however there's another at a later date which is not.
Product: Debt collection

Further Request to Cease Collection Efforts and Remove Debt from Credit Reports This is in response to your recent communication regarding the debt you allege I owe. After reviewing your response and the supporting documents, I have significant concerns about your compliance with federal laws, particularly the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I believe that your continued attempts to collect this debt and report it to the credit bureaus may violate both of these laws.

Here are the specific issues : 1. Debt Validation Not Sufficient Under the FDCPA, 15 U.S.C. 1692g, you are required to provide competent validation of the debt. The documents provided in your response do not adequately demonstrate my legal obligation to pay Columbia Debt Recovery. Specifically, the validation lacks key elements, such as a written contract or agreement directly between myself and Columbia Debt Recovery or the original creditor. Therefore, you have not established the legal right to collect this debt. 
2. Violation of the Fair Credit Reporting Act ( FCRA ) If you are continuing to report this debt to the credit bureaus without proper validation, this may constitute a violation of the FCRA. Reporting unverifiable information to the credit bureaus can be considered illegal under this act, and I request that any negative reporting associated with this alleged debt be immediately removed from my credit reports.

3. Cease Collection Requests I have previously requested that all collection activity related to this alleged debt cease until proper validation is provided. Despite this, you continue to engage in collection activity, which is in direct violation of my rights under the FDCPA. I demand that you cease all collection efforts immediately.

Attached is the original Cease and Desist and Debt Validation and Verification I sent that you failed to properly answer.
Product: Debt collection

Equifax continues to report a collection account for XXXX XXXX XXXX XXXX for a voluntary repossession that occurred 7 years ago. XXXX logic has failed to provide documentation regarding legal notices or of the reasonable sale of the vehicle despite sending requests certified mail. I have provided Equifax with copies of the letter requesting said documents, copy of the certified mail receipt and the XXXX report showing the sale of this vehicle and they refuse to correct the information. I tried calling the customer service line today and the operator would not let me speak to a supervisor.
Product: Payday loan, title loan, or personal loan

Loan was paid off on XX/XX/2019. PNC said they would hold the lien release for 7-10 days. On XX/XX/2019, they instead mailed a check of {$0.00}, and continued to hold the lien release until XX/XX/2019. They verified that they had finally mailed the release on XX/XX/XXXX, which if the {$0.00} check is an indicator, will not reach us until XX/XX/XXXX at the earliest. 

Filed complaint with PNC on XX/XX/XXXX ( # XXXX ). 

How is it justified to withhold a release of lien for 21 days without any compensation? This has held up distribution of funds in escrow.
Product: Money transfer, virtual currency, or money service

I won the XXXX  XXXXXXXX XXXX XXXXXXXX and received an email from Coinbase on XX/XX/year>. I responded to the email on the same day. Coinbase claimed that they did not receive my email, but in later communication with Coinbase support, they found a technical issue, which I believe I was not responsible for. They have denied my claim for XXXX Bitcoins ( XXXX ).
Product: Debt collection

Medical bill was paid in full ... XXXX.. $ XXXXwas paid to XXXX XXXX XXXX on XX/XX/18.. {$400.00} was paid to XXXX XXXX onXX/XX/18.. no idea why it went to collections..no idea why it was even put in collections, or even removed..it just showed up week of XXXX..no bills nothing..paid in full months ago ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending a complaint to you today to inform you that I was the victim of identity theft. I read up on how to eliminate the fraudulent items from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to ELIMINATE these items listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2020 ; XXXX XXXX BALANCE : {$1100.00} XXXX XXXX XXXX BALANCE : {$0.00} ; XXXX  XXXX BALANCE : {$0.00} ; XXXX  XXXX BALANCE : {$0.00} ; XXXX OF XXXX XXXX XXXX : {$790.00} XXXX XXXX XXXXXXXX BALANCE : {$0.00} ; XXXX XXXX BALANCE : {$0.00} ; XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX BANK ) XXXX BALANCE : {$320.00} ; XXXX  ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXXXXXX BALANCE : {$3700.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.