23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once. 

XXXX. FDCPA XXXX XXXX Violation Misleading False Reporting CAPITAL OXXXX Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once. 

3. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once. 

4. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX  Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once. 

5. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once. 

6. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX  Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once. 

Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Money transfer, virtual currency, or money service

I received a message from what I thought was a real account that I follow on XXXX offering XXXXXXXX XXXX  for {$30.00}. So I sent them the money through PayPal and was told they would send it to me in twenty minutes. Two hours went by and when I checked the XXXX account they had blocked me. The PayPal transaction ID is XXXX and it was sent to XXXX XXXX on XX/XX/22. They told me to send it through friends and family so I can not dispute the payment for goods not received. The account was _aquardmoonfairy and they then changed their name to XXXX after I reported the page.
Product: Checking or savings account

I was to receive the direct deposit for my money that I earn at my job to my bank Capital One, yesterday XX/XX/year>. Instead I received nothing, not even a notice of why I have yet to receive my funding. Today an extreme vague email was sent out by Capital one to their customers outlining an unspecified error stopping customers from receiving their direct deposit. They provided us no eta of when this will be fixed and no solutions to those who received overdraft fees and late bills due to this unknown error. They also will not name the vendor behind the issue. I find this diabolical in nature, and that they aren't doing enough for their customers. A lot of us work from paycheck to paycheck and the delay on our funds can be the differences between being homeless or evicted! It isn't right and they need to be help accountable..
Product: Prepaid card

I received a {$50.00} AMEX gift card from a family member. The card is active and AMEX shows it has the full balance when I check. However, the card does not work anywhere. Ive tried using it multiple places online, multiple places in store, and even through my XXXX XXXX. No matter what I do I can not use the money on this card. Ive searched the internet and found tons of people with the same issue, but no solution. AMEX customer service for gift cards is impossible to get in touch with and none of the resources they provide on their website has worked. This is my last course of action and if you cant help I will likely give up on trying to get the value of the card.
Product: Vehicle loan or lease

I made a contract with the collection company to pay half the amount owed on the vehicle in one year for {$12000.00} within the year. I was making payments on the last payment. All my information got lost. The collection agency did not have it or the bank. I financed it with which was Ally bank.
Product: Mortgage

When our mortgage was refinanced in XX/XX/XXXX it was shortly thereafter reassigned to Stearns Lending. all escrow accounts were in order and in good standing. Somehow when it came time to pay the county tax something went wrong without our knowledge. Fast forward to XX/XX/XXXX the mortgage was again transferred this time to XXXX XXXX. They found the discrepancy and tried to get Stearns to correct it. They never received any kind of response to so the bill was forwarded to us. We are now paying an extra {$180.00} a month on our mortgage to cover the cost of the back taxes. We contacted the escrow company whom we closed with to find out what happened. They discovered that Stearns paid the taxes on the wrong property. All this information was forwarded to Stearns this was XX/XX/XXXX. I never heard back. We contacted them again XX/XX/XXXX, they said it would take 30 days to correct. Still, to this day it is not corrected we are still paying for their error and have not heard back. I contacted them again two weeks ago with the promise to have it looked into again but still nothing. The extra cost is becoming a hardship for our family.
Product: Credit card

I applied for line of credit and credit card with Keybank on XXXX XXXX. Pursuant to Federal Reserve Act XXXX states that my application was the collateral that was fully guaranteed. I had a XXXX credit score, when I applied. They never gave me full disclosure pursuant to 15 U.S. Code 1631 - Disclosure requirements that they was trading my security that I funded with me extending my credit due to TILA ( Truth in lending ). This matter has caused great harm, loss, and defamation of character. I have contacted the IRS XXXX, FTC, XXXX XXXX XXXX, due to this matter. Once I retrieve my audit I will have several options either they open my accounts or Im XXXX to all federal authorities. I will also use the audit to go to Federal Court since TILA is the proper jurisdiction or go to XXXX XXXX in Delaware. Cause me giving that note life equity is involved in this matter.
Product: Debt collection

I am being harassed, threatened, and my private information is being sold to companies that I did not give consent to contact me. I dont feel safe anymore and my personal property was stolen because Santander consumer Usa has shared my private information with 2 other companies and I have an active cease and desist out against Santander . My car was stolen from in front of my friends home on XX/XX/XXXX after Santander violated my right to privacy! They sold my information to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I never gave them consent to give out my location information or any of my personal private information to these companies! This is my third complaint against this company with the cfpb and they are continuing to threaten, harass, and abuse me. I dont feel safe with this company continuing to violate my right to privacy along with the numerous other federal laws that they are violating! I have sent this company two affidavits of truths that were never rebutted and a cease in desist. Ive also asked this company for verification of the debt? They have directly violated the fair debt collection practice that states if a debt is disputed the debt collector shall cease collection of the debt. The debt was disputed in XXXX of XXXX and within the affidavit I sent them I specifically requested that my information not be shared and they have not only shared my information with these two companies that came to my friends house and stole my car but also have been reported on my credit report. This is ridiculous the amount of harassment I have endured from this company. They illegally repossessed my vehicle and is threatening to sell my vehicle at an auction on XX/XX/XXXX. And I demand that my vehicle be released and returned to me. I have lost out on business due to my car being stolen and this has caused alot of mental anguish. The company is trying to provide a deceptive contract as validation but I asked them for verification and they never responded. Santander is participating in racketeering activities!
Product: Credit reporting or other personal consumer reports

XXXX is reporting an incorrect address in despite of me mailing multiple letters to them with my correct name and address. They have failed to remove XXXX XXXX XXXX XXXX from my file. I do not live at that address.
Product: Money transfer, virtual currency, or money service

PayPal payments to international persons not fully provided as indicated by receipt. Recipient get deducted an amount that is not what I paid. XXXX instances, first : sent XXXX XXXX XXXX in XXXX but recipient was not given full XXXX XXXX, instead recipient received XXXX XXXX. I was charged the full exchange rate and had to make up the difference to the recipient. Today, I sent XXXX XXXX to recipient for a receipt showing a total of XXXX XXXX XXXX ( which is what I wanted to send ) at today 's exchange rate. The recipient did not receive XXXX but instead was given XXXX XXXX XXXX. I was charged fee for exchange rate and the recipient was shorted approx XXXX XXXX that I now have to again send. PayPal says they paid the full amounts each time to recipient. Not sure what is really going on but something is not right.
Product: Credit reporting or other personal consumer reports

Under XXXX Membership # XXXX XXXX Equifax Credit reporting only. 

Section XXXX and XXXX seem to be correct. 

I only have 17 open accounts and NOT 19 what Equifax is stated. 

The extra two accounts are listed duplicate twice ...... 


I dont know who is at fault, but somebody needs to look into this issue immediately. 

I DO NOT have 2 of the same XXXX XXXX XXXX XXXX XXXX XXXX 

It is an overall concern that becomes a problem in the availability percentage and utilization ratios in my credit reports.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contest of Complaint : This CFPB Complaint has been filed to request pursuant to FCRA & 605B ( 15 U.S.C. & 1681 c-2 ) that you, the equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud with in 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) an auto loan opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). Personal Credit card opened on XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). Personal Credit Card opened at XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), Personal Credit Card opened XXXX XXXX  on XX/XX/XXXX under the account number of ( XXXX ), XXXX Credit Card opened at XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), Collection account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal loan opened at XXXX  XXXX on XX/XX/XXXX under the account number ( XXXX ), a collection XXXX XXXX opened on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of a consumer XXXX  credit report maintained by you which shows 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. i have attached a copy of FTC identity theft Criminal Complaint # XXXX as proof from the US federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of accounts that were fraudulently opened in my name as a result of a data breach. I am a victim of identity theft, and these accounts are not authorized by me. Under the provisions of the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I am entitled to have these fraudulent accounts permanently removed from my credit report.

The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I currently have a late payment reporting on my credit through State Employees Credit Union back in XX/XX/2019. I haven't made any late payments so I shouldn't have any payments reporting late on my credit.
Product: Debt collection

Rushmore Loan Management falsified all legalities and did so in a response letter. I seek all legal action to the highest. See attached response to myself and my wife as the letter is only addressed to her. All information from Rushmore is fraud. My loan was identified in class action lawsuit XXXX versus XXXX. At no point is this so called debt legal as XXXX was found guilty of fraud. I seek see below ( statutory damages under the FDCPA and RESPA, and restitution damages and losses from Rushmore Loan Management for allegedly unlawfully profiting by acting as an unlicensed mortgage servicer. ) My wife is legal party of interest and legal owner of said property from Deed legally registered with Title insurance also containing both names dated XXXX XXXX. See attached response that clearly states " this is an attempt to collect a debt '' this matter was found fraud in court of law XX/XX/2020. 
This is now a criminal charge of fraud and identity theft
Product: Debt collection

They constantly call asking for XXXX XXXX, I have told them for years that this is not her number anymore and they still call. This one today was from TRANS WORLD SYSTEMS calling from XXXX. They change their number frequently so I cant block them. I am not the person they are seeking and I have no idea who she is.
Product: Credit card or prepaid card

Last year when I was check my credit score I realized that someone steals my information and opens a credit card since 2018. Then they spent XXXX dollars. I dont believe they have all my informations correctly, so how can they use un sufficient information to open a credit card.
Product: Debt collection

Thank you so much for responding to compliant # XXXX. I have a few more questions please see attached. 

Also please supply a copy of the USPS tracking # showing that I received and signed all the initial documents from your company regarding the first 30 days to dispute this debt. Please note, this information can be requested under section 611 paragraph 6 ( B ) ( iii ).
Product: Payday loan, title loan, or personal loan

I recieved a call from a process server about paperwork for a civil suit. I got the law offices information from her. I called the law offices. This is about a payday loan taken out on XX/XX/2010. I have NEVER taken a payday loan out. I have had a title car loan with XXXX XXXX that was paid off in full. The name of the company who sold " my account '' to the law firm of XXXX? XXXX? and XXXX? ( XXXX ) case number XXXX is Ace Cash Express. Again I reiterate that I have not done business with these people ever.
Product: Credit card

I signed up for and met the use requirements for a Frontier credit card with a bonus of XXXX miles. Barclay, the credit card company involved, sent a statement verifying I had met the purchases amount and was now eligible for the mileage. Multiple emails and phone calls have resulted in nothing but wasted time and frustration and the cost of multiple flights to care for my mother during her XXXX illness that would have been covered by the mileage if I had received it. I also contacted Barclay for help and they were only able to confirm my eligibility and refer me back to Frontier
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
I see an accounts that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters and called all 3 bureaus about these inquiries listed on my credit report. I was told over the phone they would be removed but at this time it is still reporting. I believe my information was compromised in 2 credit breaches and I have not received a response from the credit bureaus regarding this matter
Product: Checking or savings account

I was a victim of identity theft on line now i can not open any account when i applied for a job online and was defrauded with fraudulent checks being deposited on my account unknowingly been a victim of a crime against banking institution until i was notified that the check issued by the supposed to be employer was a fraud and did not clear. Ever since then I was declined to open any account that teach me a lesson not to apply for any transaction or jobs on line. Some electric company also claim i have an unpaid utility in Mary land and an apartment there i told the police i have never been to Maryland.
Product: Debt collection

On or about XX/XX/2023, I received a suspicious email from XXXX XXXX XXXX XXXX XXXX, a debt collection agency in XXXX XXXX, CA. The email stated, " Welcome to XXXX Your XXXX XXXX XXXX  account has a new home. As a new consumer, we'd like to offer you an opportunity to discuss flexible payment options, including bi-weekly payment options, to resolve this account. '' It indicated that the account was transferred from XXXX XXXX XXXX ( original creditor ) to XXXX XXXX XXXX XXXX XXXX ( servicer and owner ) with a balance due of {$930.00}. However, the notice failed to include notifications required by 15 U.S.C. 1692g ( a ) ( 3 ) - ( 5 ) and FDCPA 1006.34-1006.42. On XX/XX/2023, I received another electronic notice from XXXX XXXX XXXX XXXX XXXX escalating their debt collection practices. The email was a pre-legal notification stating that if I failed to pay by XX/XX/2023, " XXXX XXXX XXXX XXXX XXXX is considering forwarding this account to an attorney in your state for possible litigation. Please make arrangements to resolve your account. Once you have completely fulfilled your payment arrangement, you will be released of the obligation. '' The notice did not include required dispute disclosures. In addition, it is suspected that XXXX XXXX XXXX XXXX XXXX has been placing harassing phone calls since XX/XX/2023, through a blocked number ( " unknown caller '' ) to avoid dedication. Approximately XXXX days after the electronic notification on XX/XX/2023.
Product: Checking or savings account

on XX/XX/2018, I went to my local TD Bank to withdraw funds from my TD debit card. When I tried to withdraw XXXX dollars, the ATM at the TD Bank would say it could not process the transaction. I tried the only 2 ATMs there and it would not withdraw funds because it was " Unable to process the transaction. '' It was after bank hours so I couldn't speak to a representative. And I had about one thousand dollars of available funds so there was no reason why my withdrawal could have been declined. 

I had to use my XXXX XXXX XXXX ATM card to withdraw funds from that TD Bank. I was able to but was charged 3 dollars from TD Bank and also incurred a {$2.00} fee from XXXX XXXX XXXX, totally {$5.00} in fees because the ATMs couldn't withdraw from my card. 

I went to TD Bank the next day and told them what happened. We tested the card and it worked fine. There was nothing wrong with it. The banker said it must've been the machines. At this point all he could do was file or log a complaint, but couldn't reimburse me for the fees. He said I would have to speak with XXXX XXXX XXXX since TD Bank doesn't have any fees charged on their end. 

I called XXXX XXXX XXXX and they also gave me the run around, saying that the fees are standard so they couldn't do anything about the fees either.
Product: Debt collection

This collection company is trying to collect a debt not owed and have not provided validation of the debt. Its a FTC Violation that it is showing up as open accounts and under 15 U.S.C. 1692g these need to be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I'm reaching back out because I have again tried to use my credit and was not approved because of things on my credit that is not mine. I contacted the FTC and my local police. There are even several bankruptcies on there that are not mine. I we.s advised by the Bankruptcy Court that do not verify bankruptcy and advised me to contact another company called XXXX XXXX. I spoke with them and they also verified that I do not have any bankruptcy. The other accounts on there that is not is Chapter XXXX and XXXX Bankruptcy, XXXX  XXXX and XXXX XXXX XXXX.