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

I am writing to formally request the immediate blocking and deletion of certain accounts and inquiries from my credit report. I am a victim of identity theft, resulting from a data breach. 
Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have all fraudulent information removed from my credit file. 
Accounts to Block and Delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Someone used my debit card for a two XXXX and overcharged my account
Product: Credit reporting or other personal consumer reports

Billing mistakes on my credit report show late payments that aren't accurate. Please update the report.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA XXXX, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2021 I received a call from a family member that they received an already opened packet of information that contained account information, account numbers, balances and information pertaining to an attempt to collect a debt. 

On XX/XX/2021 I called Transworld Systems Inc. who is the company that sent this communication to my family member 's address. I spoke to XXXX XXXX, a supervisor. 

I asked them who consented to them contacting my family member and who authorized them to send them an entire account history? XXXX was unable to find out where they got my family members address from. 

I notified her that XXXX XXXX XXXX  XXXX which is the original creditor has my current information due to a current and pending legal matter I have with them regarding this same debt they are attempting to collect. 

On XX/XX/2021 I gave Transworld Systems a cease and decist notice and they continued to contact me but this time they sent the communication to a relatives house and not mine.
Product: Debt collection

National Credit Systems is station that I owe a debt. I would like to be provided validation or contract from this company for said debt! I do not have a contract with this company.
Product: Credit reporting or other personal consumer reports

These inquires should be removed as I did not authorize them to pull my credit and they do not have written authorization. Immediately! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/year> Amount : {$2000.00} Paid : {$1400.00} Owe : {$600.00} Problem : Amount keeps being raised. Different answers/responses everytime I call in. 

I am an adult, XXXX, on XXXX and my mortgage company is trying to take my home. I am raising a young man who is XXXX. The house I live in is my mother 's. The company I am dealing with has many complaints from homeowners, Shellpoint Mortgage Servicing. With every phone call, I am given a different higher amount owed to save my house. I got behind three payments after XXXX. One letter has them charging me their attorney 's fee! I've since paid {$1400.00} trying to catch up. But I'm told, it's {$600.00} more, then {$900.00} more. Feels like a predatory mortgage company/debt collector. Please help me. I've even been told that their system is down, " so, everyone is getting different amounts owed all the time. '' What kind of mortgage company??? I am frightened.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX A+ XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I'm extremely disappointed that Citi was unwilling to waive two $ 25 monthly fees ( XXXX and XXXX ) incurred due to the checking account dipping below a certain balance limit. Given how much I use the Citi credit card and how much money the bank made off the purchases fees, it's greedy beyond a reasonable level to take money out of people 's banking accounts for minor issues. I'm contemplating on closing all the accounts once for all and switch to XXXX for good.
Product: Mortgage

PHH XXXX took out a LPI policy on my loan. 

I've had homeowners insurance with them since 2013 to present. Same address since 2013, same address listed on the Renewal Certificates sent annually to PHH and XXXX XXXX. Same loan number and same Mortgagee and it's accessors and assigns. There was no reason to take out the LPI had PHH and XXXX XXXX did their due diligence and saw that they have been accepting Renewal Certificates with the same address listed since 2013. 

Wasn't until they had a company transition and internal mismanagement that matters became convoluted. They are trying to blame me for their incompetence.
Product: Credit card or prepaid card

On XX/XX/2020, I received an email from XXXX XXXX accusing me with 'involvement in multiple violations of the General AAdvantage Program Conditions. These violations are related to the accrual of ineligible miles and benefits ; through fraud, misrepresentation and/or abuse of the AAdvantage Program. '' As such, my AAdvantage Account was terminated and all miles earned were forfeited. 

I filed a complaint through DOT requesting for XXXX XXXX to provide further conclusive evidence to suggest a clear violation of one or more of the General AAdvantage Program Conditions. 

I received a response from XXXX XXXX on XX/XX/2020 stating that I was involved in 'abuse of the AAdvantage Program through gaming behavior, used to circumvent the Citibank/AAdvantage card enrollment bonus eligibility restrictions, particularly that bonus miles are not available if you have received a new account bonus in the past 48 months. These restrictions are outlined in the Citi/AAdvantage card promotional bonus offer terms and conditions, as well as at the top of each application page. ' I request that Citibank confirm or deny that during my ongoing credit and banking relationship that I have met the terms of each and every agreement relating to the Citi AAdvantage credit card. Please provide conclusive evidence of such case where I have violated the terms of the agreements made between Citibank and myself as stated by XXXX XXXX.
Product: Mortgage

On Monday, XX/XX/2019 I received a sales letter from Village Capital and Investment, LLC. The letter was designed to mislead me, a veteran, into accepting an IRRR loan. 

I shared my information with them. I agreed to nothing. I was told I would be contacted the following day. I did a XXXX search and ran across this article. I am contacting to say that this company is still trying to swindle myself and fellow veterans. 

Please put a stop to this company. If I have any other complaints due to them now having my information and using it against my will what can I do in that situation? 

Thank you in advance for promptly answering my question. Have a blessed day!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I found out that credit karma was being sued for the pre approved credit card and has to give the consumer money from the settlement and I remember applying for a pre approved and got denied. I'm not sure if any of this helps but I seen they were getting sued. I wanted to file a complaint about them. If you need any questions you can email me at XXXX or my number is XXXX thank you.
Product: Credit card or prepaid card

I am a XXXX XXXX XXXX senior receiving {$900.00} each month in Social Security Retirement Benefits, and I truly need your immediate HELP regarding Conduent Inc. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NJ XXXX. 

I have suffered the loss of over {$3500.00} due to ( 58 ) unauthorized transactions on my Social Security Account ( XXXX XXXX Debit Card ) since XX/XX/2021. 
I have complained and asked for reimbursement, but Conduent Inc. refuses to obey the LAW, so please help me resolve this matter. 

The best way understand this horrible situation is by reading the attached DEMAND LETTER that I have sent to Conduent via email on 3 occasions, and they still refuse to COMPLY with New Jersey State and Federal Laws. 

Below is a short cut link of the DEMAND LETTER that can be Emailed to anyone who would like to know what is going on at Conduent Inc. regarding the XXXX XXXX DEBIT CARD SHAME. 

By My signature you are hereby authorized to investigate and take action regarding this shame. 

Sign : XXXX XXXX XXXX ( Card holder ) CLICK LINK OR COPY, CUT AND PASTE INTO YOUR BROWSER https : XXXXXXXX XXXX
Product: Checking or savings account

Hello, The app called " XXXX XXXX '' charged my debit card through apple pay {$3000.00}. I did not authorize these. The company does not have an active email address or phone number. I reached out to my bank since the charges were made through my debit card. My bank is SOFI bank, which is what my complaint is for. I disputed all of these charges and asked SOFI to reverse the charges and return the funds to me. SOFI reviewed the claims for a total of XXXX hours ( filed dispute XX/XX/XXXX, received notice back XX/XX/XXXX ) and came to the conclusion that they were no fraudulent. THAT IS NOT THE CASE. No one with SOFI will help me. They will not give me my money back. They just immediately closed the disputes with the only explanation that they " thought '' they were authorized. I have emails from the company where I tried, unsuccessfully, to reach them. I feel like this money was stolen from me and SOFI will not help me get it returned, and they will not credit the money back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts being reported on my credit report. I do not know any of these companies. I have never done business with any of them. There collection companies do not have a contact with my signature.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reportincg 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 usc 1681 section 602a 15 usc 1681 section 604a 15 usc 1681c a 5 15 usc 1681s 2 a 1
Product: Payday loan, title loan, or personal loan

SELF XXXX  REPORTED ON XX/XX/2021 A 30 DAY PAST DUE PAYMENT ON CREDIT BUILDER ACCOUNT
Product: Credit reporting or other personal consumer reports

After i found out that some accounts were open without my knowledge, i called all XXXX bureaus to find out what the best way was to remove these accounts. I then followed intructions, but they havent cameoff
Product: Credit card or prepaid card

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The XXXX Credit Bureau is reporting inaccurate information on BARCLAYS BANK DELAWARE ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer services 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 appropriat redress for these violations.
Product: Credit reporting

I purchased a home in XXXX XXXX, XXXX ; and at that time I had a score of XXXX ; since closing on my home I have had multiple request for my report pulled without my permission. I notified the credit agencies to put a hold on my accounts and to delete all the inquiries on my file. XXXX ; put a freeze on my file and an alert and said they would notified the other XXXX companies to do the same. However, neither of the agencies are taking the effort to remove all the unauthorized inquiries on my credit file. The only response I get is that they will remain on there for 2 years. 
From the time of the close on my home to XXXX XXXX to XXXX XXXX I had a total of XXXX inquiries on my credit file ; that is unheard of and my credit score dropped to now XXXX i am now seeking you help with getting these agencies to remove all inquires from my file from the time of XXXX XXXX, XXXX to XXXX XXXX.
Product: Checking or savings account

On XX/XX/2020, an unauthorized, fraudulent check for {$1900.00} was deposited into my Comerica checking account, by another person without my knowledge or consent in violation of California Penal Code Section 476a, and 18 USC 1344. 

I filed Police Report # XXXX, with the XXXX Police Department in XXXX XXXX, CA, and provided evidence of fraud being used by the other person, I also reported it to Comerica within a timely manner as soon I noticed my account being negative. 

The Comerica Representative investigating my claim of Fraud has improperly determined that I am liable to pay the bank back for the other person committing fraud without my consent, knowledge or authorization. That decision was made in violation of the EFTA, 15 USC 1693g, and other consumer Federal Fraud protection statutes and regulations. I asked a Comerica Representative what fraud protections do they offer and was told they will investigate. I was not provided any explanation of the investigation nor any instructions on how to dispute the liability of another person 's fraud. 

Now Comerica has reported to Chexsystems and debt collection I owe the bank {$1300.00} but the other person accessed my username and password for investment purposes. As a person who makes stock investments, it is common for online investors to provide username and password info to investment institutions and personnel. I have provided that info to other institutions for investment purposes and they didn't deposit a fraudulent check, but one person did without my authorization, so I should not be liable for criminal act of another person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from my credit monitoring service that my name, address, and SSN was compromised. I pulled my consumer report and noticed transunion is reporting some fraudulent accounts and inquiries on my consumer report. Furnishing, deceptive, and fraudulent information on my consumer report violates my rights as a consumer. Delete these accounts immediately.

15 USC 1681c-2 ( a ) '' Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. '' - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XX/XX/XXXX # XXXX remove acct XXXX XXXX XX/XX/XXXX # XXXX remove acct XXXX XX/XX/XXXX # XXXX remove acct Remove Inquiries : XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

In XXXX I saw a add on XXXX someone was selling hoodies and I wanted to buy a couple and he said he takes XXXXXXXX XXXX XXXX XXXX XXXX then I sent him the money in XXXX transactions and he never responded back to me so I went to my bank and opened a claim for the XXXX transaction that where made and later on I got a email saying Wells Fargo will be closing my account due to suspicious activity and I called them and they told me I have made to many claims and the account will be closing soon because I am a pretty recent member ( 5 months ) and that there is nothing I can do about it I tried to talk to them and explain the disputes where all sent to the same person and they just kept telling me there is nothing we can do about it your account will be closing in a week on XXXXXXXX XXXX. I dont think this is fair because I have proof of the transaction where sent to the same person.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CA XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

In completing the application of buying my 1st home, it was noted that Exeter has reported my account delinquent. Today XX/XX/2023, XXXX XXXXXXXX I called Exeter enquiring about the account being delinquent even though it had been charged off. The representative told me what the amount owed was interest. I told her that the account had been charged off and did not feel that it was correct. After speaking to the first representative, I was transferred to another department where XXXX refused to submit my request to her immediate supervisor. Her statement, " I am not going to submit a settlement offer when he is not going to approve it. " I said to her, '' ... that the other representative was willing to reach out to her immediate supervisor and didn't understand why she wouldn't do the same. '' I believe this is a direct violation of the FDCPA, which prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from me. I am asking for the CFPB to mediate this issue.