23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

Myself, and the purchaser of the card are military veterans, it was a gift, meaning I do not have the receipt. It is part of the scam the company keeps insisting on perpetrating in order to drag it out. I feel confident it is an inside job because the card was a gift from last holiday and had not even been removed from the sleeve until this year when it was registered on the company website, though it carries a XXXX logo! It was only shortly after registering it that malfeasance occurred with the card! When I checked on XX/XX/23 the card had full value of {$100.00} when I attempted to use the card on XX/XX/23, I was told the balance was XXXX dollars and change. {$94.00} had been charged on the card, without it ever leaving my wallet of possession, hence what is the access point? The registration point for the host company, Blackhawk Network California Inc. These companies have shelf space in every store in this country, therefore in every sense are aided and abetted in committing fraud, when they sell the product, and when customers register it, with someone committing theft on the other side! For the record, there was news coverage in the city I am near about multiple acts of theft this way with other victims telling their stories. And yet, the system continues to enable it. As the other victims, I will never buy, and I will inform others to never buy a gift card again!
Product: Debt collection

Ive attempted to call the number on the phone listed by the company, followed the promoted and its a dead end call no matter what option you chose. I tried every option possible, The prompt leads you to another set pre recorded messages and it automatically hangs up on you. 

Ive contacted the original creditor XXXX XXXX, notified them that my identity was stolen and this is where XXXX made aware that the account was open Washington State where I never reside in. 

I am following up with all 3 credit bureaus notifying them that this a fraudulent.
Product: Credit reporting or other personal consumer reports

On my trans union credit report frsns union has not remove the XXXX negitive items from my report i have a federal trade identity report on file trans union supposed to block those XXXX negitive items and remove all XXXX hard credit inquires my social is XXXX
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Says I owe XXXX from XX/XX/15 but for what I do not owe this. Again I contacted company several times not willing to remove ...
Product: Debt collection

received multiple emails regarding a judgement to be filed under my name for different accounts i have no idea. emails threatens to put me to jail if i dont respond in 24 hrs. responded to the different XXXX  accounts of the so called atty but has not received any reply.
Product: Credit card or prepaid card

In XXXX I paid off the remainder of my balance with Capital One. It was just over {$800.00}. My balance became XXXX, and my autopay was cancelled. Shortly after, I was charged the {$95.00} annual fee for using the card. At that point, autopay was no longer active. Because I knew I had paid off the balance, and I hadn't used the card after that, I had no reason to go into the app. Well, a few months later I got onto the app just to check things out to find out that I was 2 payments behind. I was taken by surprise, because I knew I had paid it off, but then saw the {$95.00} fee, as well as a couple late fees. My problem is that I was never notified via email or the app that I had payments due or that my payments were late. When I talked to Capital One, they said that multiple emails went out to me, but I never received even one of them. Not in my inbox, not in my spam folder, not in my deleted folder, nothing. That is not an email that I would glance over if I received it. I am very upset at the way that Capital One handled the situation when I spoke to them. They seemed to not have a care in the world and just kept saying that it is the way it is and they can't do anything. Something happened along the way that prevented me from receiving the emails, and I don't know if it was their emails not sending or XXXX somehow blocking it. Because of all of this, I now have a delinquency on my credit score that will be there for 7 years. It dropped my score by XXXX points. All because I never received notification that I had a payment due. This was 100 % out of my control, and I need it fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

BASED ON AGE OF ACCOUNT BY EQUIFAX ACCOUNT SHOULD BE DELETED XXXX. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. 
age of account XXXX XXXX XXXX XXXX XXXX View account details Account status Age of Account Closed 10 years 6 months 24 days
Product: Credit reporting or other personal consumer reports

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. For this account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Technically, this account has been sold to a new lender. This account can no longer be reported legally this can not be reported if a charge off on my credit report if the account was sold to another lender. After checking my most current report the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account.
Product: Debt collection

I am writing to file a complaint against Credence regarding their debt collection practices, which I believe constitute harassment. The debt collector, operating under the phone number XXXX, has been repeatedly calling me at the following dates and times:

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
This is only a small sample of the calls that I can access in my recent call log. I called my mobile service provider today to request a full report on this number, but they advised I would need an attorney to request this of their legal team. They also see on their end no record of the calls, but when I showed them my call log on my phone physically, XXXX representative suggested this caller might use a "blocker." 

Additionally, I would like to provide context regarding the nature of this debt. According to them, it pertains to a medical debt from XXXX amounting to less than XXXX. Despite the relatively small amount, the debt collector's aggressive pursuit has made it challenging for me to address the matter appropriately. I have spoken to this alleged debt collector by phone once in late XXXX XXXX, but regretfully I do not have a record of the date and time. I requested information proving this debt was mine and supplied an address they could mail it to but have received nothing to this day to show it is a legitimate company or debt. I also asked them to not repeatedly call me during my working hours which was wholly ignored. This relentless pattern of communication, despite my requests to cease phone contact, has caused me significant distress and interfered with my daily life. I believe their actions violate the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from engaging in harassing behavior.

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Credence for their harassment and violation of debt collection laws.

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

Transunion has 10 unauthorized credit inquiries : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. And 2 credit cards : XXXXXXXX XXXX XXXX XXXX XXXX  that were obtained without my consent and not authorized and have been reported as fraud. 

EXPERIAN has 12 unauthorized credit inquiries : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. And 6 credit cards : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that were obtained without my consent and not authorized and have been reported as fraud. ALSO UTILITY BILL VIA XXXX XXXX  THAT IS UNAUTHORIZED equifax has 21 unauthorized credit inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And 1 credit card : XXXX XXXX that were obtained without my consent and not authorized and have been reported as fraud. ALSO UTILITY BILL VIA XXXX XXXX  THAT IS UNAUTHORIZED
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX this year after waiting 2 years to get our solar fixed and turned on. It was to be turned on XX/XX/year>. It was installed without a permit on site. Argued with company which took XXXX month to get permit! Then in XXXX the company called XXXX XXXX went bankrupt! I was lied to every time I called. Finally I called the bank on the loan after paying two payments on a solar system that was inoperable and told bank I wasnt paying for this until it was! She stopped payment! So around XX/XX/XXXX of this year, it was turned on! We were told that we would never have an electric bill! Wrong information! We never got our 18 months at {$180.00}. But got a call in XXXX that if we paid {$190.00} the next month it would be XXXX for the next 17 months! That was a lie! We are not only paying XXXX a month we are also paying over XXXX plus in an electric bill. This is something we were told we would never have to pay again! Its all a lie! XXXX is a scam! So on our roof is a {$68000.00} system and a light I bill on top of it! No one comes and checks it or services it! This is part of the contract! We have no idea if any of these panels are working, we were to be given an app to download to tell us this! Never got! Something is wrong with this system for us to be paying for electric! We have no idea who to call to come out and check this is in our contract!! If any panels are damaged the company replaces them for as long as life of loan is for and thats 25 years! Goodleap was told all this and she acted like she it was our responsibility! So we are paying and doing our part of contract but they have violated their end! During hurricane XXXX, the panels in front were bouncing up and down! Never installed correctly so we have them strapped down! If not they would wear a hole in our roof. We probably have roof damage! We dont know if any more are not installed correctly! Please let me nIf we dont pay this bill they can take our home! I want to have this taken off our roof. Its all a scam! We were told that we would get a check back from the government for over {$17000.00} to do what we want with. Thats a lie, you get a tax credit each year until the {$17000.00} plus is paid in full! No on should do solar! We did it in NY and we did good its just a big scam right now! Please help us get out of this loan we cant afford this! My husband is retiring in year and half and Im in disability. We are struggling as it is! Please help us!! Contract has been defaulted by now bank. Thats fraud!
Product: Mortgage

BSI Financial services is doing the same thing to me after they already violated the Consumer Financial protection act and Truth and lending act after the CFPB just settled with them. BSI improperly handled my mortgage failing to recognize we were already in loss mitigation in the process of receiving a loan modification through XXXX XXXX During the transfer my loan sat in their office for eight months. They also stole money from my account while I was making payments ( I have proof ). They did exactly the same thing they were reprimanded for, obviously not caring about its last violation. They are now beginning to foreclose on my home. When I finally signed a modification that I had to sign or they would foreclose my first bill was over 6000 dollars so I could never get ahead or caught up.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX 2017 XXXX XXXX credit card was settled and paid in full. Needs to be reported by Experian and XXXX and XXXX  as a paid charge off
Product: Credit reporting or other personal consumer reports

Checking my credit report a few months ago, I discovered errors regarding the account of SYNCB/XXXX ( XXXX ). This is violating my rights. I disputed these errors directly with the XXXX credit bureaus and the creditor itself ; however, I only received generic responses regarding this matter. Therefore, I am filing this complaint based on my research. The company in question is violating the sections of 15 USC : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete. 
15 USC 1681i ( XXXX ) : Failure to conduct a reasonable investigation into disputed information. 
15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting. 
15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA. 
15 USC 1681s-2 ( a ) ( XXXX ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions. 
15 USC 1681n : You have failed to provide me with clear and conspicuous notice of my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

all ftc violations XXXX XXXX {$13000.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX co {$1200.00} XXXX XXXX XXXX {$490.00} XXXX {$10000.00} Pursuant to 16 C.F.R. 2.10 (  a ), Petitioner SLAC , Inc. ( SLAC ) petitions the Federal Trade Commission ( FTC ) to limit or quash the Civil Investigative Demand ( CID ) issued to SLAC on XX/XX/2017.1 SLAC objects and seeks to quash and/or modify the CID as being improper and unenforceable because the CID seeks information that is irrelevant information beyond the scope of the FTCs investigation and is part of an unlawful, unauthorized investigation. 
If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. The item I am disputing do not relate to any transactions that I made or authorized. Please remove or correct this information at the earliest possible time. 
I dispute the XXXX Account # XXXX, Opened XX/XX/XXXX because that item was opened by someone who stole my identity and it is inaccurate. As required by section 611 of the Fair Credit Reporting Act, a copy of which is enclosed, I am requesting that item be removed immediately to correct the information. 
I previously disputed this item with all three major credit bureaus and that account was DELETED from my XXXX  credit report in XX/XX/XXXX ( enclosed ). XXXX  advised me that they informed Equifax of that fraudulent account, however the XXXX/XXXX Account # XXXX still shows on my Equifax file. 
Finally, I resorted to file a complaint with the Consumer Federal Credit Bureau because I believe that both the retail store bank and the credit reporting agency have violated my consumer credit reporting rights. 
Please investigate and correct the disputed item as soon as possible.
Product: Credit reporting or other personal consumer reports

I am sending to formally dispute the inaccurate or misleading information on my credit report. Specifically, I request the removal of the following inquiries, as I did not authorize these lenders to make any inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Upon reviewing my XXXX credit card statements in late XXXX, I noticed 10 transactions all between XX/XX/XXXX and XXXX, XXXX, some just a few dollars and one was over {$1200.00}. They all said MERCHANT SALE/PURCHASE with no additional information. I submitted a fraud claim in XX/XX/XXXX. I received a letter from Barclay 's that the denied the claim. When I called the Fraud Dept today ( XX/XX/XXXX ) to ask why it was denied, the person I spoke to said it was because the charges occurred before the accounts were bought from XXXX XXXX  by Barclay 's so they didn't have any information. I find it hard to believe there is no way for them to get information from XXXX to investigate fraud claims but it seems they made no effort to do so. I would like a true fraud investigation as I don't believe I made those purchases.
Product: Credit card

On XXXX XXXX, 2015 American Express received a refund from XXXX of {$320.00} to my account. My statement dated XXXX XXXX showed a credit of {$290.00} - ( {$320.00} less purchases I made ). I phone AMEX asking for a check on the credit. About 7 days later, I received the check, misplaced it and phoned AMEX. The agent stopped the check and said a new check would be issued. No check came. 
On XXXX XXXX, 2015 I phoned AMEX, explained the situation to a supervisor, XXXX, who said she would expedite the check. No check came. 
XXXX XXXX, 2015 XXXX, the supervisor, called to ask if I had received the check. I had not. 
XXXX XXXX, 2015 the supervisor XXXX called again asking if I received the check. I had not. 
XXXX XXXX I wrote a more detailed letter of complaint to Customer Service, American Express, XXXX XXXX XXXX, XXXX XXXX, Texas XXXX asking for the credit. 
Today, XXXX XXXX I received my monthly statement from AMEX. There is no credit amount on this statement..
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 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. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM XXXX.
Product: Money transfer, virtual currency, or money service

I contacted /tried contacting on multiple occasions regarding fraud on my account with no response from the company
Product: Debt collection

After issues a dispute with the insurance company paying a hospital debt, the debt was passed to a debt collector. I contacted the debt collector to clear the amount. The deb collector told me I could either work out a payment plan or I could pay a slightly lower one-time payment to clear the debt. I went with the second option ( total debt was {$1100.00}, I paid {$970.00} ). The representative on the phone told me legally that they could not send me an email or fax detailing either payment option. 

Now, after more than 2 months, I have not gotten a paid in full statement ( which I requested ) and they are coming after me for the full amount. They have not returned letters to their office and refused any written correspondence.
Product: Mortgage

On XXXX/XXXX/2017 CIT Bank file foreclosure against the XXXX whom is still living as to date. CIT Bank claiming the XXXXyear-old homeowner failed to pay his property taxes without giving him any resolution to how he can pay if any back taxes or insurance. Financial Freedom Senior Funding provided the reverse mortgage and has charge the homeowner with insurance that exceeds the amount he able to pay. Therefore, CIT file the foreclosure on behalf of the property taxes and insurance. This is unfair to the homeowner as well as his beneficial. To lose his home for reason stated. We are aware that Financial Freedom has defraud many senior homeowners with wrongful foreclosure in order to file insurance claims just to capitalize these innocents victims.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is my second attempt to write to consumer protection bureau, i have been a victim of ID theft and three unfortunate accounts were opened under my name with out my knowledge, i have attached my police report due to that matter, please help me in this issue, i do not know where else to turn to, you are my last hope, if i had the money i would have definitely hired a lawyer to resolve this issue, but unfortunately i do not, please i would greatly appreciate you help thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a dispute with XXXX Credit Reporting agency and company is stating that the balance remaining of {$290.00} is correct which it is not correct. 

Account referred to XXXX XXXX XXXX by RISE Credit of Tennessee, LLC for collections which I have been making payments to and I paid the debt " in full '' on XX/XX/2023. I've attached the " paid-in-full '' letter provided to me from XXXX XXXX XXXX.
Product: Bank account or service

I have signed up for AMEX XXXX card back in XXXX, XXXX with a XXXX application. 
I have linked my XXXX Credit Card account with AMEX SERVE account and transferred {$70.00} They send me AMEX SERVE card. 
I have used my XXXX application several times until XXXX. After that i have stopped using it. 
Starting from XXXX, XXXX they have started charging me monthly fees {$4.00} without any notice. 
I came to notice this on XXXX XXXX, XXXX when i received Email from AMEX XXXX Team saying, " They have added {$50.00} from my XXXX account, because my balance was below {$25.00}. '' This is something not acceptable. 
First of all, They did not send me any notice, email, phone call, not even a physical mail or not even a single statement since i have opened account. 
If i would have received at least a statement in mail/email, i would have closed my account so that i wont get charged monthly fees for the service or card which i am not using at all. 
Please file a complaint and let me know what i have to submit as a proof. 
After i have received email on XXXX XXXX, XXXX, i checked account and saved all the statements and i came to know that i was charged $ XXXX since XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act these creditors has violated my rights. Under 15-US Code 1681 Section 602 State that I have the right to privacy 15-usc 1681 sec 604A Section 2 also state a consumer reporting agency can not furnish an account without my written instruction. under 15-US Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose