23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, While checking my most recent credit report, I noticed Fraudulent credit inquiries that I do not recognize and did not authorize anyone to pull my credit report. The inquiries made by the below listed companies : 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 Transunion 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 Please validate info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security Number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 
Send payment immediately via Certified Funds to : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX Attached are copies of my state ID. Warm Regards. 
XXXX XXXX
Product: Debt collection

On XXXX, XXXX, XXXX, XXXX XXXX threatened to sue XXXX XXXX, over an alleged credit card account. On XXXX, XXXX, XXXX, Debt Collector, Lyons, Doughty, and Veldhuis, filed a lawsuit as a courtesy to XXXX  XXXX, in XXXX County Municipal Court. On XXXX, XXXX, XXXX, XXXX XXXX, signed for service of lawsuit. On XXXX, XXXX, XXXX, XXXX XXXX, responded to lawsuit, via facsimile, at XXXX ( XXXX ) XXXX, with the attached DEBT VALIDATION NOTICE, Answer, and 41 ( d ) motion, totaling six pages. The attached receipt will show that the court received only four pages, at XXXX ( XXXX ) XXXX, because the validation notice is not a pleading. As of today, XXXX, XXXX, XXXX, neither XXXX XXXX, or Lyons, Doughty, and Veldhuis, have responded to the debt validation request within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

This is in the incomplete response to UMB alleged payment history payments XXXX to XXXX XXXX Status Submitted to the CFPB on XX/XX/XXXX Product Debt collection Issue False statements or representation
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX You are in direct violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX ) has violated several of my rights. 

15 U.S.C 1681 section 602 A clearly states that I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency cant furnish an account without my written instructions.

15 U.S.C 1666B : a creditor may not treat a payment on a credit account under and open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Debt collection

I OWED A PREVIOUS DEBT TO XXXX XXXX BACK IN XXXX THIS WAS PAID AND I NO LONGER OWE MONEY TO SPECTRUM. ON XX/XX/23 MY CREDIT BUREAU WAS FLAGGED FOR A NEW COLLECTION ACCOUNT WHICH IS NOT TRUE. THEY ARE SAYING I STILL OWE XXXX  {$280.00} WHICH IS FALSE I DO NOT OWE ANYTHING. I SPOKE WITH SPECTRUM ON XX/XX/23 AND NOW XX/XX/23 AND THEY STATED YES XXXX YOU PAID US OFF. THIS ACCOUNT WAS WITH ANOTHER COLLECTION AGENCY BACK IN XXXX AND THEY CONFIRMED IT WAS PAID AS WELL. THIS NEEDS TO BE REMOVED AND I NEED TO BE COMPENSATED FOR THE EMOTIONAL STRESS THIS HAS CAUSED ME.
Product: Mortgage

Bank of America has put my home into foreclosure eventhough I was supposed to receive a modification package. Furthermore a Bank of America and it 's contractor caused damages to my home.
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for late closed, charge off, collection and Bankruptcy. I have tried numerous times to have this situation resolved with no resolutions.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: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XX/XX/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: Debt collection

I have been receiving threatening calls about a debt I have no knowledge of. Repeatedly they have called me and when I ask who they are they refuse to tell me and are very rude, most times they hang up. I eventually managed to speak with someone told them to mail me the information as I did not feel comfortable giving out my personal information over the phone blocked the number and later received a knock on my door from my local sheriff 's dept with a court order suing me for the debt from said collector XXXX XXXX. I am away on business and receive a phone call from my sick mother stating they have called her and threatened her as well. They then proceeded to tell her all my personal business without my consent or knowledge. I called once again and reminded them at this point I'm in litigation with them and there was no reason for them to continue to harass me or any of my family about a debt they can not even provide a statement of. Apparently this debt is over 5 years old and was bought by another debt collector from a business that is closed down. I offered on a few attempts to try and make arrangements to pay whatever I owed as long as I was mailed a statement or itemized bill. I've never received anything and even made arrangements to try to take care of this matter. They are bullying and non compliant about negotiating with me. I am in the process of being taken to court by these people due to their lack of communication and providing necessary information. I want to countersue them for harassment due to my mother 's health declining since their repeated calls which I have documented. Please let me know what I can do as this is not ethical or right for them to do this to people.
Product: Credit reporting or other personal consumer reports

I recently checked a copy of my credit report and I'm horried and shocked that I'm a victim of identity theft. I found many accounts and hard inquiries on my credit report that were not open by me. This is hurting me very much because I'm in the important process of getting a house for my growing family size, my ancee, and my daughter. This is also hurting me also to get my daughter a car for school and work. Please remove and delete the fraudulent accounts and hard inquiries from my credit report as soon as possible. 
( Attached is my documents, DL, and paperless utility bill. ) 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
Product: Credit card or prepaid card

This is in reference to a JetBlue Mastercard issued by BarclaycardUS. BarclaycardUS had a tech issue this week. From what I gather there is a glitch in the new card activation process. Because of this I am locked out of my account on both the app and online in addition to not being able to activate my card. Despite repeated attempts for hours on end, NO ONE is answering any of the XXXX XXXX numbers - and I have tried all of them. I just tried again and gave up after 40 minutes - this is at least the 10th time this has happened to me. If you look at the comments on the BarclayCardUS XXXX and XXXX pages you can see I am not alone. 

As far as I can see there has been no communication to the US cardholders about any of this. If I can't access my account I can't pay my bill and therefore may be subject to fees, which I will refuse to pay - and that would be fraud anyway. If I cant reach anyone I can not regain my account access. Ive been on hold for hours, and disconnected many times, so calling in to schedule a payment is useless. This is sadly among the worst client experiences I have ever had and a potential media nightmare should this gain visibility. I XXXX XXXX XXXX  a few times and received no response. However, the XXXX Barclays twitter responded but they can not help as I am US-based. I have already submitted a complaint to the US XXXX XXXX XXXX. The lack of client focus in the US is quite frankly appalling. 

I want simply to have someone remedy my issue so that I can ultimately close the account. But as it stands they are barring me from accessing or closing my account because no one is answering. There is not way to get to any human being at this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit 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 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
Product: Debt collection

Received letter in mail, stating that if I did not respond that they would automatically assume I am admitting to a debt in which I do not..have received letters about an apparent debt to XXXX XXXX XXXX for years now. I have always written to them or answered phone calls and asked them to stop harassment, that I do not owe a debt, and I even called XXXX XXXX XXXX to resolve this issue and they refused to speak to me about the matter stating that I must talk to the debt company ( XXXX XXXX XXXX customer service agent then continued to sign me up for a new plan with them ). I have been an XXXX customer for I believe to be over 10 years now. The letter never states times of supposed debt..but I can tell you that I have had nothing to do with XXXX XXXX XXXX for a very long time.
Product: Credit reporting or other personal consumer reports

Please review my credit report. I noticed the bureaus are not cooperating with the request I need to delete this inaccurate and incorrect information from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. Equifax does not want to remove a charged off account from my credit report that is not mine. I have never had an account with XXXX XXXX and yet Equifax is reporting that I have a {$16000.00} past due account with this company. The account number on my credit is # XXXX. I have sent disputes since XXXX XXXX and to this date, I have not received a proper response as to why they are making this mistake on my credit. The worst part is, I have already called this creditor company and they can not find my information in their system. They are telling me I need to dispute this account with the credit bureau in order to have this fixed.
Product: Consumer Loan

I purchased tickets to an event through XXXX XXXX in XXXX 2016. On the day of the event in XXXX I was not given the full access to the event I had paid for. I disputed the sale with my credit card provider, Fifth Third Bank. My goal was to receive a small percentage back from XXXX XXXX. 
The last correspondence I have ever received from Fifth Third Bank pertaining to this issue was dated in XXXX. This letter stated that the dispute was settled in my favor and {$330.00} was to be credited back to my account. 
This amount, nor any amount, was ever credited back to my account. I called Fifth Third Bank numerous times only to be told on each and every occasion that I would be contacted " within the next 48 hours '' to address the situation. 
NEVER HAPPENED! 
After a few months of this " run around '' I finally filed a lawsuit with the judicial system in XXXX County, Illinois. Even though Fifth Third was served with the paperwork for this case filing they made the decision to ignore the court summons and DID NOT show up in court. Subsequently I was awarded a default judgment in the amount of {$1000.00} plus court costs in XXXX of 2016. 
Although Fifth Third made it extremely difficult to find the correct department to forward the judgment paperwork to, I was finally able to fax the documents to the correct department. 
Within a week of receiving my faxed paperwork I was contacted by a Fifth Third Bank Attorney who initially told me that they would not pay me the full amount and if I did not settle for the considerably lesser amount, Fifth Third Bank would go back to court and file paperwork to have the judgment vacated. I told the Attorney this was not acceptable and my expectation was to receive the entire amount of the judgment plus court costs. This phone call took place on XXXX XXXX, 2016. 
On XXXX XXXX, Fifth Third Bank, through their Attorney, made the decision to finally bring to a conclusion this issue which they had dragged out for more than 7 months. The decision was made to pay me the total agreed upon amount of {$1200.00}. 
As of the writing of this statement on XXXX XXXX, 2016, I have still not received any of these monies. 
FYI : Because I have very little trust for Fifth Third Bank and their agents, each and every phone call since this issue has arisen has been recorded. These audio files are available upon request.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report, and I noticed an incorrect balance from : XXXX XXXX XXXX  XXXX. Account # XXXX A 1099-C was issued, taxes were paid, and thus, by law, this balance should be corrected to {$0.00} and/or removed from my credit report. ( See 1099 attached ). 

Delete the above-referenced account from my consumer report, this agency is in violation of 15 USC 1681. 

The Fair Credit Reporting Act ( FCRA ) provides for actual damages, statutory damages for willful or intentional conduct that violates the FCRA, and punitive damages for malicious conduct harming a consumers credit or reputation for creditworthiness. 

Furthermore, the FCRA provides for the recovery of attorneys fees and costs to the prevailing consumer ( paid for by the creditor or bureau ). 

Therefore, failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking at least {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] and many more!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The accounts I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. Please block the following accounts : XXXX XXXX XXXX Balance : {$930.00} XXXX XXXX XXXX Balance : {$900.00} XXXX XXXXXXXX XXXX XXXX : {$1300.00} XXXX XXXX Balance : {$550.00} XXXX XXXX  XXXX balance : - XXXX XXXX XXXX  XXXX Balance : {$220.00}
Product: Credit card

I have asked for Bank of America to provide me with a copy of the authorization agreement to prove I requested the account to be opened in my name. They have n't sent anything but billing statements which do not legally prove I requested the alleged account to be opened in my name and a letter I will attach.
Product: Credit card

Dear CFPB, I am writing to file a formal complaint against Wells Fargo for wrongfully closing my credit card account in XX/XX/2023. Despite being a responsible customer who has never missed a payment, I found my account closed due to a payment issue that arose from a fraudulent incident. 

On a Thursday afternoon in XX/XX/2023, I made a payment of 25 % of my credit limit, believing all was in order. Unfortunately, my check bounced due to fraud, leaving the funds unavailable. Five days later, after resolving the issue with my bank and reapplying the funds to my Wells Fargo credit card before the due date, my account was abruptly closed by Wells Fargo 5days after the payment did not clear ( 5 business days, not 5 weeks not 5 months, 5 business days ), citing misuse of the card. 

Wells Fargo claimed that a {$2000.00} payment in XXXX and a {$50.00} payment in XXXX did not go through. However, aside from the {$2000.00} payment affected by fraud, my payment history has been impeccable. I even have a mortgage with Wells Fargo, underscoring my reliability as a customer. 

Despite my efforts to rectify the situation and plea with Wells Fargo to reconsider, they declined to reopen my account, causing a significant drop in my credit score by XXXX points across all three credit bureaus. Furthermore, the closure of my cash back card meant that {$25.00} in cash back rewards remained unapplied, which I rightfully earned. 

In light of these events, I am deeply troubled by Wells Fargo 's actions, which have not only damaged my credit but also left me feeling disregarded as a valued customer. Given the impact this has had on my financial standing and the apparent injustice of the situation, I am seeking the intervention of the Consumer Financial Protection Bureau to address this matter and seek resolution. 

I appreciate your attention to this issue and hope that your intervention can help rectify the situation. Thank you for your time and assistance in advance. 

Sincerely, XXXX
Product: Debt collection

There is a Debt collector trying to collect money from me that i never did business with. This company is Fraud! ( National Credit Adjust of XXXX XXXX for {$810.00}. I have NEVER did business with this company! They claimed it was opened XX/XX/XXXX, XXXX Demand this company to show Proof of any documents that i signed showing that we did business together!
Product: Payday loan, title loan, or personal loan

I made a purchase on XXXX and at checkout was offered a affirm payment option. I opted to use affirm. After getting the product it was damaged and XXXX issued a credit. I made all the payments to affirm minus the credit that XXXX said it was going to issue.After months of going back and forth XXXX said they kept trying to do the credit and affirm would not accept it. I communicated this with affirm and it seemed it was being work on. I have several emails from including on from XX/XX/XXXX from affirm thanking me for my patience. During this time affirm contracted XXXX XXXX and put the account in collection. There are many emails with affirm and XXXX that validate the credit. Regardless I paid the collection and XXXX gave me the credit personally. The original account was from XXXX of XXXX. Affirm although has been told by XXXX that a credit was attempted multiple times juts continued with collection and Reporting derogatory information to my credit report. I have exhausted every measure available to get this correct as I was clearly not in the wrong. I made every payment to affirm on time on and had approximately XXXX dollar balance which was less then 10 % of the original loan. What was suppose to be a consumer centric product that I did everything I was obligated to do became a credit nightmare. I would never recommend anyone use affirm and they should be investigated. No phone number at times 1-2 months to get a response via email.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 after reviewing my personal credit report ; an unauthorized inquiry from FIRST HELP FINANCIAL , LLC located at XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX showed on my XXXX  credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.