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

*** NOTE ; This Complaint has been formatted for submission to XXXX XXXX in the event of non-performance by any of the Defendants. The word court as used herein is interchangeable and refers to the CFPB, FTC, XXXX  or whichever agency this complaint is submitted to. 

Failure to perform will be construed as exhaustion of my private administrative process and I will pursue multiple appropriate actions with each and all of but not limited to the following : XXXX XXXX, the Attorney General, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and the FTC. 

This complaint HAS NOT been filed in any court of Law at present. 

To prevent the loss of formatting, to preserve readability, to protect my personally identifiable information and for the convenience of the parties SEE ATTACHED COMPLAINT.
Product: Credit card

I have reliably ensured that payments on this account are made promptly, avoiding any overdue status. I do not understand why there are late payment remarks on my accounts. Under 15 USC 1666b, any billing errors should be addressed.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

EXPERIAN CREDIT REPORTING IS REPORTING A NEGATIVE AND FRAUDLENT ACCOUNT ON MY CREDIT FILE AND IT IS A FRADULENT ACCOUNT NOT BELONGING TO ME. I HAVE SENT THEM SEVERAL POLICE REPOERTS AND REQUESTS TO REMOVE THIS FOR OVER A YEAR AND IT WAS REMOVED AND THEY NOW JUST RECENTLY ADDED IT BACK ON MY CREDIT FILE. THIS DOES NOT BELONG TO ME THEY ARE ALSO REPOERTING AN ACCOUNT I HAVE OPEN AS CLOSED AND I HAVE NTOIFIED THEM OF THIS NUMEROUS TIMES AND THEY HAVE IGNORD MY REQUESTS TO PROPELRY ADDRESS THESE ISSUESS. T THEY ARE IN VIOLATION AND CONTINUE TO BE AFTER DISMISSING ALL MY REQUESTS
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a very big mistake in my reporting someone just put items that do not belong to me or to my business activity. I am shocked this is absolutely not legal I am begging you to remove them. Please figure put who did it to me and I will file a report.
Product: Mortgage

My lender, Freedom Mortgage, placed XXXX forced insurance policies on account an XXXX policy and flood insurance. I have emailed evidence of my flood insurance. However, my loan documents don't require an XXXX policy ( it was originally written back in 2007 ) so Freedom doesn't have the legal right add this additional requirement to the original loan. I attempted to speak to the insurance company, XXXX, to explain this but they don't answer their phone after XXXX minutes and I don't have any additional time to devote to correcting their mistake.
Product: Checking or savings account

I've never opened an account with you guys. On my credit report states I have an account with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy a house and I realized I have damage on my credit report According to the 15 USC 1681 law there should not be any damages on my report. Its a defamation to my character. Here are the inquiries on my XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

About American Express problem doing business on my website, and I 've pound American Express try to offer me for credit for any kind of used open American Express.this report and complaint was related to the complaint I was filed earlier.for this complaint I want to open and make the investigation go start to solve the banking issue that make a lot of corruption.this issue are serious and confidential to all viewers? its a bravery and dangerous.So please give a fastest results and start the best a soon as possible? In my part was critical everything that getting me down or distractions to stop me.Be frankly I need support and guide for this issue.As iI search it has I big group. That have connection to government or work in government agencies.Its hard to written right now distracting me.
Product: Debt collection

I received at least nine ( 9 ) telephone calls from Citi Bank within three ( 3 ) days and one even before XXXX XXXX 

I am being harassed as a senior citizen and so I am commencing a complaint for XXXX XXXX XXXX  ( {$1000.00} ) for such illegal and improper and unethical action and conduct. 

XXXX XXXX XXXXXXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Plus I have no way of knowing if these aforementioned telephone calls are even from Citi bank nor would I ever answering such calls! Period! 

All my payments have been and are on time!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX  Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
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. I told the XXXX, XXXX, and Equifax to reinvestigate these accounts :
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE CRIMINAL COMPLAINTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

Professional Account Management, XXXX, WI, continues to send me debt notices involving an unpaid toll in New Jersey. They are sending the notices to my address even though the name on the registration is not mine and they refused to provide verification of the debt as required by the Fair Debt Collection Practices Act. Instead, the collection agency demanded a copy of the registration for a vehicle I do not own.
Product: Money transfer, virtual currency, or money service

coinbase has locked my account since XXXX and i've answered every email since then within 1 week with their requested information which are SO POINTLESS, i've showed my drivers license, me holding it with " coinbase verification '' on paper and more. they also take XXXX month to answer just give me more pointless questions like " do you have friends in XXXX XXXXXXXX XXXX like what?? im XXXX  i do not know anyone there. 

i've attached an image that shows me and coinbases email dates going forward and back, it's been forever and i just want my coinbase account to be unlocked. they're so inconsistant and have no idea what they're doing, i saw someone else contact you and you fixed it within a week i really hope you can do the same. 

my coinbase email is : " XXXX '' and the name under my coinbase account is " XXXX XXXX '' so they are able to locate my account to enable it. thank you.
Product: Debt collection

Received let ter from Harvard Collection  in   XXXX   XXXX    Called and explained services were not performed, hospital had sent over paperwork to verify previously to original debtor. Send certified letter disputing with in  XXXX  days, never received any response. Was told it was  XXXX  account, credit report is showing  XXXX  accounts. My understanding the account was resolved, but now has been sold to another party that is trying to collect it.
Product: Debt collection

On XX/XX/year> I purchased an auto policy ( policy number XXXX ) from XXXX XXXX XXXX in XXXX Texas. According to policy terms and condition I have to pay XXXX $ dollars per month. The policy duration was from XXXX, XXXX to XXXX, XXXX 
My XXXX agent in XXXX was a very respect full lady and she was very fair in her dealing. I never had any problem from her or XXXX. In fact I recommended XXXX insurance to many of my friends and relatives because of their fair dealing. In XX/XX/year> I move to XXXX Georgia. I telephonically informed my Texas agent of this new change. She sends me the email address of XXXX XXXX agency and told me I should contact them for the change of address on my current policy which will be valid till XXXX, XXXX. I contacted the XXXX XXXX agency through email and requested them to change the address on my existing policy so that in case of emergency I can avail the facility of road side assistance for which I am paying for in my policy discussed and mentioned above. 
I have record of this email conversation with XXXX XXXX XXXX who is an agent at XXXX XXXX agency. This conversation took place on XXXX XXXX. I paid the same amount of premium as I was paying before in XXXX but suddenly in XXXX when I tried to pay the premium of month of XXXX it was showing XXXX XXXX I asked the breakdown of that payment and the reason of this sudden increase. The agent at XXXX XXXX agency said this amount include the termination fee and premium of a new payment plan of a new policy ( policy number XXXX ). I right away mentioned that these new terms and conditions are not acceptable to me and never entered in to that new contract. ( I never signed and resend any documents send by that agency ) This was a surprise to me and an open violation of a contract which was already present between me and XXXX. As according to US laws a seller can not terminate a preexisting contract with a buyer on his own and can not force a buyer to enter into another contract, the terms and conditions of which are not at all acceptable to buyer at all. 
As XXXX XXXX agency which represent XXXX breach a contract on their own and customer service of XXXX XXXX agency was worst, In fact I believe all of their dealing was based totally on ripping off customers, falsification and fraud. 
Few days later I received two separate letters from debt collection agency asking for the amount I instantly replied them and ask proof of entering any contract with XXXX XXXX XXXX but never got reply from them. 
I am sure I do not owe them any money. I strongly believe I have ample and strong evidences to rightfully question the debt that XXXX XXXX XXXX claiming is mine. I request you to please kindly help me to remove this negative entry from my account and force XXXX XXXX XXXX to share validation documents. I am planning to buy a new car and because of all this falsification from XXXX XXXX XXXX I am sufferings a lot in terms of my credit score. 
I am attaching my entire conversation with XXXX XXXX XXXX agent and debt collection letters and my reply to them for a look.
Product: Credit reporting or other personal consumer reports

Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX and Equifax credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), an auto loan account opened at XXXX XXXX on XX/XX/XXXX, an auto loan opened at XXXX on XX/XX/XXXX, a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$1000.00}, a collections account opened at XXXXXXXX XXXX on XX/XX/XXXX with a balance of {$690.00} a collections account opened at XXXX on XX/XX/XXXX and XX/XX/XXXX with a balance of {$410.00} and {$320.00}, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX with a balance of {$3200.00} and {$130.00} a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$1800.00} a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$390.00} a collections account opened at XXXX on XX/XX/XXXX with a balance of {$230.00} and a collections account opened ay XXXX XXXX on XX/XX/XXXX with a balance of {$140.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

Lobeal financial repo car they are still garnish my wages after its been over 7 years and I don't even own the car but they still want me to pay for it in full after they repo the vehicle years ago and it's hurting my credit score bad I was young at the time now that I have grown and have a family of my  own I want to buy a house but can't because of my credit I just asking for a second chance if possible thanks sincerely XXXX XXXX
Product: Checking or savings account

On XXXX  XXXX Cash App accepted {$200.00} from my XXXX XXXX account. On XX/XX/16 the Cash application sent negative notifications stating my account was {$170.00}. Including my XXXX  XXXX account negative {$190.00} ( both accounts ) So Cash app accepted my transfer and debit but did not add to my account for use. 

I attempted to contact cash app customer service they stated they could not speak on the matter and declined me and answer.
Product: Debt collection

XXXX XX/XX/year> REVCO SOLUTIONS XXXX XXXX XXXX XXXX XXXX. 
XXXX, NC XXXX Subject : Request the validation of an account ( REFERENCE NO. XXXX ) Dear REVCO SOLUTIONS I am writing to formally obtain validation for debt, as per my rights under 15 U.S.C 1692 g. of the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to send consumers a written validation notice.

I am requesting that you send a letter validating the following information as it pertains to information for an account that you are attempting to collect.

The information that is required is the following 1. Name and Address of the original creditor.

2. Amount of debt.

3. Proof that you have the right to collect the debt and have not purchased the debt. 
4. Any judgements that have been obtained.

5. Proof that the statute of limitations has not expired.

Please forward this information to me within 15 days of receipt of the correspondence, at the address above. If this information can not be provided to me, remove all instances of the referenced account with all credit reporting and credit information companies. 
A copy of this correspondence has been forwarded to the Consume Financial Protection Bureau ( CFPB ). 

XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I opened PayPal credit and have made regular and on-time payments due by the XXXX of each month. In XX/XX/2023 I paid on XX/XX/XXXX and took time-dated screenshots as the PayPal system would not let me select the current date of the XXXX as the date of payment. The current date/due date was blocked out and I had to select a future date, thus risking the late fee. Though I have confirmation that I paid on the XXXX, PayPal scheduled my payment for XX/XX/XXXX and charged a late fee of {$41.00}. In a XXXX chat I asked for a refund of the late fee and was denied. The PayPal rep confirmed by chat that payments should post as paid on the date of submission of payment and that payments on the due date are accepted as current payments with no penalty. Yet I was denied a refund of the {$41.00} late fee. This is a violation of the PayPal policy. I have screenshots of this conversation. I can not afford to pay this late fee and will need it reversed. 

Note that my account ends in XXXX and is associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, payment confirmation number XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Experian, XXXX and XXXX will investigate this account for me to ensure accuracy Here is the account I have asked you to asking you to verify as accurate : Account Name : XXXX XXXX XXXX Account XXXX : XXXX The Last Activity for this account on XXXX is XXXXThe Last Activity for this account on Experian is XX/XX/XXXX. The Last Activity for this account on XXXX is XX/XX/XXXX. This account isn't reporting at all on XXXX in the last XXXX years from XX/XX/XXXX to XX/XX/XXXX. This account is reporting on Experian as collections for the last XXXX years from XX/XX/XXXX to XX/XX/XXXX. This account is reporting on XXXX as positive payment history for the last XXXX years from XX/XX/XXXX to XX/XX/XXXX. This is inaccurate history reporting. If this item is from the same creditor, the information should be the same from all three bureaus. This inaccurate information falsely manipulates the my credit worthiness and it's hurting my ability to obtain credit. XXXX, XXXX and Experian failed to investigate this account properly after I repeatedly asked via written request to have the account updated. Your negligence has once again violated my consumer rights. I am demanding a deletion of the following account : Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/2020 i recieved an electronically generated {$470.00} loan deposited into my checking account the bank cleared monies and made it available to me on the same dayXX/XX/2020 I in turn went to XXXX and purchased a Target gift card for {$470.00} and paid the loan back via the XXXX gift card.on the same day XX/XX/2020. 
5 days or 120hrs later. 0n XX/XX/2020 recieved overdraft of {$460.00} plus penalty, after realizing what happened I called the bank to file a complaint and was advised to change my account number and freeze the account which I did. On XX/XX/2020 another 3 days or 72 hrs later called bank to check on my claim and found that I did not have one after getting the run around for 5 hrs. finally got a claim filed I do not believe I owe for that overdraft when the bank made it available to me and 5 days later decieded it was not available, as a result I lost my loan and my credit score will take forever to repair