23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I've been receiving phone calls from this company since XX/XX/XXXX re : a debt that doesn't belong to me, it belongs to someone else. 

My telephone number is not the debtor 's telephone number, and I have explained this and told them not to call my number, but they continue -- talking over me, telling me they need to speak to the other person -- XXXX XXXX. At this point it's harassment. 

As an aside, this debt I'm being harassed about is from XXXX, XXXX XXXX XXXX, re : a repossessed vehicle that has absolutely nothing to do with me. They are collecting on behalf of Santander. 

The telephone numbers I'm receiving calls from are XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid {$1900.00} on XX/XX/2021 to XXXX XXXX XXXX  XXXX XXXX XXXX, NE to move out of my rental early, the buy out lease agreement said I can leave anytime on or Before the new date of XX/XX/2021 I moved XX/XX/XXXX, I also have public housing and the apartments were still paid XXXX and XXXX rent. The apartment complex reported to XXXX XXXX XXXX a improper move out fee of {$1700.00} which is now on my credit. The total on my credit is {$1900.00} which {$160.00} I do agree I owe for carpet cleaning but not until that faulty charge is off my credit {$1900.00} to move out early on top of they still collected rent for XXXX rent from housing they are trying to con me for more money thinking I wont dispute this
Product: Debt collection

Hi my name is XXXX XXXX on XX/XX/2021 capital one froze my accounts I wasnt able to access my accounts to pay my rent my bills my medical bills and any other important activity that I have going on in my life. I normally pay my credit cards on time every time, but because they froze my accounts I was unable to pay my credit cards I was unable to buy food pay rent I almost lost my home and I wasnt able to afford any medical assistance. They kept my account frozen for three months During these tough times during CovidI would never have thought the capital one bank that I had for almost 10 years would freeze my account.Because my accounts are frozen I couldnt pay my credit card bills and capital one started to charge me late fees and collect interest. Im trying really hard to pay my credit cards off right now but I can not afford to pay the interest fees and the past due fees. Its like they purposely set me up to keep charging me interest and interest and fees on top of fees to make money off the money I dont have to make money off the money they took from me in the first place until this day they are still charging me late fees interest fees and passed do fees. If they can remove the fees I will pay my credit card in FULL.
Product: Debt collection

per investigation received XX/XX/18 by XXXX on a XXXX XXXX XXXXdebt illegally obtained through identity theft means. again I had been going through domestic financial abuses from the alleged perp. I obtained multiple XXXX XXXX. could not obtain permanent one on bases of cyber intrusion. I had reported multiple times to XXXX. originally I had made attempts to rectify the debt. at one point XXXX XXXX had offered half the debt. I value my credit and put into consideration. since I hadn't any proofs of whom attempted identity theft. once I contacted back the company had disbanded. no longer was I able to contact. I again repeated attempts once an black market predatory collection agency persued this debt. I believe the perp I kept seeking remedies to stay out of my life maliciously reinvented this black market sale in attempts at hurting me. I contacted once again XXXX identity. thery did more investigative measures anf while my credit bureas reports show no balance under te original creditor XXXX, XXXX and a XXXX pay status and zero collections.no amounts shown under XXXX XXXX the black market XXXX XXXX the debt buyer SHOWS A BALANCE STILL.IN ALL CREDIT BUREAS. I WAS A VICTIM OF FRAUD IDENTITY THEFT DOMESTIC FINANCIAL ABUSES. I AM SEEKING POSSIBLE REMEDIES IN THE FUTURE ON THST CASE. HOWEVER, THESE DEBT COLLECTIONS, WHILE XXXX  HAS DONE AS BEST AS THEY COULD, IT ADDS UNTRUTHFUL CREDIT DEBT ANALYSIS. I AM TRYING TO REGAIN MY LOSSES FOR THESE CRIMES. IT HINDERS MY CHANCE TO HOME PURCHASES AND A MODEST FAIR ONE AT THAT. I ASK FOR THE REMOVAL OF BOTH XXXX XXXX CREDITOR AND XXXX XXXX XXXX COLLECTOR TO BE REMOVED FROM ALL BUREAUS. XXXX HAS DONE MUCH INVESTIGATIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXXXXXX XXXX XXXX XXXX XXXX XXXX, has fraudulent accounts on my credit profile that need to be removed immediately. 

Account numbers : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TransUnion to place a fraud alert on my credit and used their automated phone system. After answering their prompts to place the alert but before the alert process was complete the phone system offered a 30 day trial of TransUnion 's credit monitoring service at $ XXXX. This initial offer was short and required pressing 1 to accept or 2 to decline. Upon declining the phone system went into a long commercial for the service that begins with, " Are you sure you do n't want to protect your credit? ". This commercial lasted > than 30 seconds ... I hoped that pressing 2 would be the decline option and just pressed it before the commercial ended. 

This is an inappropriate use of the fraud alert protections and should be stopped immediately. The credit reporting agencies should not be able to intrusively market their own services to consumers who are forced to call them.
Product: Credit card

I applied for the XXXX XXXX XXXX with American Express on XX/XX/2023 and was denied credit. Adverse action against a consumer is against the law according to the Equal Credit Opportunity Act. Also, when I signed that application for their services I then became an INVESTOR into the company, where they then deposited that SECURITY/APPLICATION into their trust thus gaining interest once transferred into the primary market. This would be considered securities fraud since I received NO BENEFIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard 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, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX account was paidin full with call ctr on XXXX XXXX, 2012 company reported as unpaid and in collection. I have copy of payment taken from my credit card.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit profile and there were several inquiries I did not recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX 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 Experian XXXX XXXX XXXX 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 Experian XXXX XXXX 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

In accordance with the Fair Credit Reporting act Experian, XXXX, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

So last year in 2020 of XXXX I lost my state Identification card and social security card. I checked my credit but yet nothing new was reported on my credit but I recently just checked my credit and there is new things on my credit that seems fishy and I have no clue what it is or where its from but I know that someone is using my identity to try and open loans and get checks and finance furniture in my name Ive Locked my credit and Ive even tried disputing the inquiries but it wont let me
Product: Vehicle loan or lease

I purchased a car from Honda financed by American Honda finance. Autopay was setup and payment was made. But after few days I noticed there was a late fee on my account and found that the payment were received but reversed. There was no communication on any error from Honda financial on this but the late payment was issued and also reported to the credit bureau. When I called the contact center, the representative said there was a technical glitch on their website and hence autopay was not setup correctly. The representative corrected the autopay setup and the payment was succesfuly made, The late payment was also waived. But they did not update the credit bureau on the correction which had an adverse impact on my credit score.

I tried reaching to the Honda financial regarding the credit correction but they denied. 

Kindly help me resolve this issue. Thank you Here is a summary of the transaction activity. 

XXXX XXXX XXXX  Late Payment Fee Assessed- {$29.00} XXXX XXXX XXXXXXXXPayment Received - Thank You! - {$590.00XXXX XXXX XXXX XXXX Reversal of Payment Made XXXX XXXX {$590.00} XX/XX/ - Payment Received - Thank You! - {$29.00} XX/XX/ - Reversal of Payment Made XXXX  - {$29.00} XXXX XXXX XXXX  - Payment Received - Thank You! - {$590.00} XXXX XXXX XXXX  - Reversal of Payment Made XX/XX/ - {$590.00} XX/XX/ - Late Payment Fee Waived- {$29.00} XXXX XXXX XXXX XXXX Payment Received - Thank You! - {$1100.00} XX/XX/ - Payment Received- Thank You! - {$590.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my documentation to Transunion and they are telling my information is " Verified '' but they have not provided any proof by way of documentation to show this my actual debt.
Product: Credit reporting or other personal consumer reports

I requested that a few accounts on my credit file be investigated starting XX/XX/XXXX. When there was no evidence that the investigation has been conducted, I sent two follow up letters on XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, and XX/XX/XXXX. As of today, XX/XX/XXXXXXXX  I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING INQUIRIES WERE DONE WITHOUT MY KNOWLEDGE. I REACHED OUT TO THE COMPANIES AND THEY ARE REFUSING TO HELP. 

XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXN Inquiry : XXXX XXXX, XXXX XXXX CO XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX
Product: Mortgage

Ditech has continued to apply my mortgage payments incorrectly on a monthly basis. When I reach out to them, they apologize and make sweeping changes to my balance. Often I wonder if these balances are correct because of how drastic they can be ( several hundred dollars month to month ). The latest fight I have to do is over late fees. The company maintains I paid my mortgage late, but they draft the payments out of my checking account bi-weekly. It is impossible for my payments to be late when they draft it out of my account. When I reported them to the Florida Attorney General, they sent all this paper work trying to justify they were correctly posting my payments on time. I maintain that until I requested a look into the account, they were n't posting my principal payments on time. I still believe that the company miss posts and later makes huge adjustments to my balances ( and I do n't believe my balances are currently correct ). They say they ca n't apply my principal paid via bi-weekly drafts until the full amount of principal is received, but even in a month where they receive three bi-weekly payments ( the second of which would fulfill my full principal requirement ), the company fails to post the principal until the end of the month, at least a week after receiving the full principal.
Product: Student loan

Last week, Congress passed and the President signed into law the CARES Act which clearly states in Sec. 4513 that Education Secretary XXXX shall suspend all payments due for loans made under part D of title IV of the Higher Education Act of 1965 ( 20 U.S.C. 1087a et seq. ) for 3 months. The Act goes on to prohibit the accrual of interest in such loans. And, most importantly, the act requires that for each month that loan payments are suspended, that the Education Department treat the loan as if it were paid for purposes of any loan forgiveness program authorized under part D of title IV of the Higher Education Act of 1965. However, the Education Department has taken the position on its website that this does not  include forgiveness under the PSLF program, and I have not received a response from FedLoan on this issue either. I am concerned Secretary XXXX and the Department of Education are not following the law and are directing loan servicers to do the same.
Product: Credit card

My wallet was stolen from my office about XXXX XXXX on XX/XX/2023. A police officer came and made a report about XXXX minutes later. Once the police left, I immediately notified all of my credit cards. Upon talking to my Old Navy Credit Card, sponsored by Barclay 's, I was informed someone had just made a puchase for {$44.00} at a mall about 15 minutes away. I was told it would go into review and the charge would be removed from my account. 

On XX/XX/XXXX, I received a letter saying that because chip card technology was used it must have been in my possession and the charge was valid and being put back on my account. 

At that point I called the number on the letter and was given an ID number, case number, and an address to send by regular mail a letter and a copy of the police report. They did not give any option to submit electronically. So, I immediately put a letter with the police report in the mail as directed. 

I just received a letter dated XX/XX/XXXX stating that because I did not provide proof, they are reinstating the charge plus interest. 

I called today and was told their system wasn't working and they can't help me, I should call back some other time. 

I have to paperwork to prove the card was not in my possession at the time. It's very easy for them to state they didn't receive if my only option is snail mail. This is bad business to not respond to customers, and to not give us a way that proves we sent our proof. How is this legal? I would like my refund.
Product: Debt collection

I have a garnishment from the company Unifund, CCR,, LLC and XXXX XXXX XXXX that I was never served any paperwork for nor even given a chance to respond. They have never attempted to contact me nor given me an opportunity to dispute this debt or resolve. They just keep filing motions without serving me which has now caused me extreme hardship seeing that I already pay $ XXXX  month in child support and carry health insurance for my youngest daughter.
Product: Money transfer, virtual currency, or money service

I am filing a conplaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

I watch many XXXX bloggers and have participated numerous times in contests and have won. However, on XX/XX/12, while watching a XXXX XXXX, XXXX, received a message from someone posing as her, telling me that I was the winner of an IPad for comment and supporting her blog. She then asked me to respond to her on XXXX. The message had her picture. I did this. Then they asked me to show where the message said I won, which I did, then asked if I would pay shipping, which I agreed. They said they accept PayPal, Venmo etc, so I agreed to PayPal. PayPal refuses to investigate or open a fraud case.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ). They failed to conduct a reasonable re investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and also failing to adequately notify consumers of disputed outcomes. These failures to comply was not aligned with my experience. Where Experian has neither corrected nor removed disputed items despite the evidence I have provided. This has caused ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates the federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX and the credit reporting agencies XXXX, XXXX, and TransUnion regarding fraudulent activity related to an auto loan taken out in my name without my consent or knowledge. 

I discovered that my identity had been stolen by my son, who fraudulently acquired an auto loan in my name without my authorization. I have never visited a XXXX dealership nor have I ever consented to or signed any documents related to an auto loan with XXXX XXXX XXXX. Furthermore, I have never provided permission for anyone, including my son, to use my personal information for the purpose of obtaining a loan. 

Despite these facts, XXXX XXXX XXXX has initiated a loan account in my name without obtaining my wet ink signature or any form of contractual agreement. I have never entered into any agreement with XXXX XXXX XXXX, and I have not benefited from nor have any association with the auto loan in question. This loan was acquired through deceptive and fraudulent means, and I demand that XXXX XXXX XXXX provide evidence of any legitimate contract or agreement with me. 

Additionally, I hold XXXX, XXXX, and TransUnion responsible for their negligence in verifying and authenticating the legitimacy of this loan. As consumer reporting agencies, they have a duty under federal law ( 15 USC 1681o and 15 USC 1681n ) to ensure the accuracy and integrity of the information they report. However, they failed to verify this loan with me before including it in my credit history. 

I request that the Consumer Financial Protection Bureau intervene in this matter and take appropriate action against XXXX XXXX XXXX and the credit reporting agencies involved. Specifically, I demand that : The auto loan account in question be removed from all credit history maintained by XXXX, XXXX, and TransUnion in accordance with 15 USC 1681c-2 and FCRA 605B. 
XXXX XXXX XXXX provide evidence of any legitimate contractual agreement with me or remove the fraudulent loan account from their records. 
I reserve the right to pursue legal action, including arbitration or lawsuit, to seek punitive damages for the harm caused by the inclusion of this fraudulent account on my credit report. 
I trust that the Consumer Financial Protection Bureau will thoroughly investigate this matter and take appropriate action to rectify the injustice done to me. Thank you for your attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went to Experian about the account that says XXXX XXXX and I told them it wasnt my account. The address on the account doesnt even match the address on my profile. Considering this is wrong and is hurting my score I would like this item to be removed.