23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I had a XXXX XXXX XXXX Store Credit Card account XXXX XXXX XXXX XXXX signed up originally in XX/XX/XXXX. There was a Store nearby that recently shut down hence we almost stopped going to any XXXX XXXX XXXX. But surprisingly, I started receiving {$24.00} bills every month stating " XXXX   credit report charge '' which initially I did not understand what was happening so I called XXXX XXXX XXXX XXXX XXXX number and said the charges are not authorized by me. They filed a dispute and I received a letter on XX/XX/XXXX asking me to wait for decision and the fraudulent activity happening to my account. They said they closed the account and asked me to sign a document to start investigation ( which I sent the next day ) ; telephone number in the XXXX XXXX letter dated XX/XX/XXXX was XXXX. On the same day I received a letter stating closure of XXXX account # XXXX dated XX/XX/XXXX. To my surprise there was another Bill posted  with transaction date XX/XX/XXXX that came from XXXX XXXX/XXXX XXXX XXXX  for an amount of {$25.00} even after closing the card. Most interestingly, the account has a number XXXX XXXX XXXX XXXX ( completely unknown to me ). Upon calling the Telephone number listed in the XXXX XXXX XXXX statement XXXX I was told someone opened this new account for me and transferred the old XXXX balance of {$24.00} and added some fees to make a total of {$25.00} and I got to pay this amount by XX/XX/XXXX. Upon telling one XXXX XXXX that it is NOT my account she said OK I will waive the charges and request for closing this account. I seriously think there is some identity theft and fraudulent activity happening with this XXXX XXXX. Please take some action to find out and solve the problem.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit reporting Act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A States I have a right to privacy. U.S.C C 1681 section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. 

Furthermore I am NOT liable for this alleged debt with XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I DO NOT HAVE NOR EVER HAD A CONTRACT WITH XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX did NOT provide me with the original contract, as I requested several times. THANK YOU!
Product: Debt collection

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> LVNV Funding LLC Acct # XXXX LVNV Funding LLC XXXX XXXX XXXX XXXXXXXX XXXX, XXXX Subject : Cease and Desist Demand and XXXX XXXX XXXX XXXX Dear LVNV Funding LLC I am writing to formally dispute certain information on my credit report that I believe is inaccurate, unverifiable, or reported without my consent. Furthermore, this letter serves as a Cease-and-Desist Demand requiring you to stop reporting, sharing, or disseminating this disputed information. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute any information on my credit report and to ensure that all information being reported is accurate, fair, and verifiable. The following items are in dispute : XXXX {$630.00} I also assert that I did not provide written authorization for the furnishing or dissemination of my credit information in relation to [ specific account or inquiry ]. Such activity violates 15 U.S.C. 1681b, which governs permissible purposes for obtaining and sharing consumer reports. 

Cease and Desist Demand : Effective immediately, you are to cease and desist any further reporting, sharing, or dissemination of this disputed information to third parties, including creditors, lenders, or any other entities. Continuing to report inaccurate or unauthorized information may result in further legal action, including complaints to regulatory agencies such as the Consumer Financial Protection Bureau ( CFPB ) or the Federal Trade Commission ( FTC ). 

To resolve this matter, I request the following actions : Conduct a full investigation into the disputed information and provide me with written verification of its accuracy and permissibility. 
If the information can not be verified, DELETE it from my credit report immediately. 
Cease all reporting and dissemination of the disputed information while the investigation is ongoing and after resolution. 
Provide me with a corrected and updated copy of my credit report. 
Enclosed are copies of documents that support my dispute and verify my identity. Please acknowledge receipt of this letter in writing and complete your investigation within the time limits prescribed by law. 

Failure to comply with this request may result in legal action to protect my rights under the Fair Credit Reporting Act and other applicable laws. 

Thank you for your immediate attention to this matter. Please contact me directly at XXXX Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

Money wasn't available to use even though it was cash deposits, system for online mobile banking is not accurate as far as the time and date being processed for the deposit verses charges, bank refuses to acknowledge their errors. Have had a ruin of my entire life, not only did they commit fraud they're trying to hold me responsible for them stealing my money. I have called repeatedly and written letters to whom they instructed I write to, no change, no solution. I have had to fight everyone. I'm not giving up, I stand against bullying. I want everything and then some returned, resolved immediately please. This is not ok.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

Since this is my second request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. Please see my reasons for dispute below : The Accounts and account numbers : XXXX XXXX XXXX ( opened XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( opened XX/XX/XXXX ) XXXX These items are harming my credit severely which they should be removed due to the verification process taking longer than it is supposed to. These accounts how inaccurate information, that I should not be responsible for. It is affecting my life tremendously. 

I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. 

Thank you
Product: Debt collection

In XXXX XXXX  XXXX I closed my account with XXXX and paid {$130.00} which was my bill due at the time time. I called XXXX in XXXX XXXX  XXXX and asked what my remaining balance was after closing the account and the representative told me {$310.00} which I paid with the rep over the phone right then and there. In XX/XX/XXXX I received yet another bill from XXXX which I'm not sure why and they weren't able to tell me as I owed them nothing and received letters from them saying I owed {$0.00}. They have now sent a debt of {$110.00} to a collection agency and this is now on my credit report inaccurately.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XXXX XXXX 60 days late as of XXXX XXXX 90 days late as of XXXX XXXX 120 days late as of XXXX & XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me. This is only on XXXX, other bureaus dont report this.
Product: Debt collection

This is the second time I have received a call. The most recent message that I received is as follows : " This message is for XXXX XXXX also known as XXXX XXXX. Last four social XXXX. Mrs. XXXX My name is XXXX XXXX with XX/XX/XXXX. I'm calling in regards to legal documents that were submitted to my office today for two counts of financial fraud, Mrs. XXXX, I was actually looking at your documents ... in regards to XXXX XXXX XXXX, that's the attorney that foreseeing your bankruptcy file under the honorable Judge XXXX XXXX XXXX. Mrs. XXXX the bankruptcy fraud are some serious allegations. We need to discuss that and this video surveillance with you, and then make arrangements to contact your attorney and the judge to see what we can do about this ma'am. I need you to call the attorneys office at XXXX. '' end voicemail. 

This is the second call of this nature that I have received from this number. The original phone number that called me was XXXX. This number is listed as XXXX XXXX. I called back and the " receptionist '' XXXX XXXX. I asked for the address. I was given XXXX XXXX XXXX XXXX XXXX, NC.
Product: Debt collection

I participated in a consumer credit transaction XX/XX/2020, with XXXX XXXX XXXX XXXX. Pursuant to 15USC 1635 ( a ), I was never told I had 3 days to rescind the agreement and didn't receive required disclosures. The dealership failed to clearly and conspicuously disclose my right to rescind. Pursuant to 15 U.S. Code 1605 the finance charge in connection with any consumer credit transaction shall be determined as the SUM OF ALL CHARGES which was never disclosed to me, and they are in violation. The dealership also accepted a cash down payment of 2,000.00 dollars violating 15 U.S. Code 1605 which clearly says the finance charge does not include charges of a type payable in comparable cash transaction. The dealership is also in violation of 15 U.S Code 1692J ( Furnishing certain deceptive forms ). 

I received a phone call today from XXXX XXXX the General Manager at XXXX XXXX XXXX XXXX. He then had the Director of Finance XXXX XXXX called me who stated I needed to take this up with Exeter Finance LLC, who I never gave my information to directly. I sent Exeter Finance LLC an Affidavit and they never responded. They only sent a copy of the contract and my Affidavit back to me.
Product: Checking or savings account

Both and Savings and Checking accounts have been " under restriction '' for more than 5 days. I am unable to do anything with the accounts, like bill pay, transferring of money, etc... All automatic payments have been kicked back and now I have outstanding bills I am unable to pay because I can not access any of my money. I have called the bank ( SoFi ) multiple times and each time they do not tell me anything, including no timeline for when they issue will be resolved. I was promised a manager would call me back yesterday and no one called. Feeling completely left in the dark about why the restriction exists and when it will be resolved.
Product: Credit card

Dear CFPB, I am writing to file a formal complaint against American Express ( AMEX ) for their predatory lending practices, which have caused me severe financial, physical, and mental harm. 

AMEX extended far more credit to me than I could realistically afford to repay, pushing me into significant debt that I was never in a position to manage. This situation has not only impacted me financially, but it has also taken a profound toll on my mental and physical well-being. 

I am a XXXX individual, diagnosed with XXXX, and my only source of income is Social Security XXXX XXXX, XXXX. 

Despite these clear financial limitations, AMEX irresponsibly lent me credit well beyond my means. They set me up for failure by enabling me to spend more than I could ever afford. Their actions were not only reckless but outright predatory, particularly because they targeted someone as financially vulnerable as myself. 

The stress of being overextended and unable to repay this debt has wreaked havoc on my health. My XXXX  and XXXX have worsened significantly, making it difficult for me to sleep or function on a day-to-day basis. The pressure from AMEXs lending decisions has deeply affected my mental state, leaving me constantly fearful and overwhelmed. Physically, the unrelenting stress has only exacerbated my existing health issues. 

AMEX set me up to fail, and when I inevitably couldnt meet their unreasonable expectations, they pursued a judgment, knowing full well that I am judgment-proof. This XXXX XXXX  bank orchestrated my financial ruin, assisted in pushing me deeper into debt, and then went in for the kill by obtaining a judgment. It is absolutely disgusting and predatory. 

What makes this situation even more infuriating is that AMEX, with full knowledge of my XXXX and my sole reliance on Social Security, continued to lend recklessly, leading to this inevitable financial disaster. Now, with this judgment against me, AMEX has nothing to collect, and yet the entire process has caused irreparable damage to my health and well-being. Their lending practices are irresponsible at best and predatory at worst. 

I implore the CFPB to investigate AMEXs lending practices, especially when it comes to vulnerable individuals like myself, who live on fixed incomes and are dealing with XXXX. Their predatory lending has not only destroyed me financially but has had devastating effects on my physical and mental health. I am seeking a resolution that holds AMEX accountable for their predatory actions and prevents others from experiencing the same treatment. 

Thank you for your time and attention to this serious matter. I trust that your investigation will reveal AMEXs unethical behavior and bring about the necessary accountability.
Product: Credit reporting or other personal consumer reports

My credit report wrongly indicates late payments, which conflict with my typical history. Please address this issue.
Product: Credit card or prepaid card

I had a card from XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX. I reported fraudulent charges on my card and submitted all the information to the company and requested the account be cancelled and the charges removed. which they agreed to do. 3 months later a bill for the same card comes with late charges and more fraud charges on it, and was reported over 30days late to the credit bureau damaging my score dropping about XXXX points causing declined applications at a critical time trying to get an equity loan on my house. The account should have been closed. Now to make it worse I just another bill on a replacement card number they issued, that I did not request and they transferred the fraud charges to the new card number which was never received or activated by me. And they are getting ready to slap another late charge on my credit. I waited on hold over 2 hours in XX/XX/2022 to speak with a supervisor that assured me everything was taken care of. I sent another Fax today XXXX XXXX with the statement of the replacement card which I never requested or rec 'd showing a balance of {$110.00}. This is just FRAUD over and over again from this company. Possibly thinking people will just pay it to keep from damaging their credit because they do not send any notifications, or calls about late amounts due like other companies due. It is so hard to get ahold of this company and they don't do what they say they are going to do, or cancel cards with fraud charges, and issue cards in your name without authorization and apply charges that you did not charge ... I can't put a number on the pain and frustration they have caused me. Feel they should pay me a monetary amount for damages of at least {$10000.00} or be fined much more by CFBP for their actions. At the least cancel all cards, and trade lines with my name on them, and confirm this in writing. with a check
Product: Debt collection

On XX/XX/XXXX. Midland funding place a judgement on me without verifying any of my debt or giving me notice to dispute the cc. The cc charged me unfair fees. They started harassing me again in XX/XX/XXXX calling me 10+ times per days, swearing at me and threatening to take everything I have at that time I told them not to contact me by phone. I filled out paperwork showing I have XXXX children and a limited income and they where unable to garnish my wages because I didn't make enough to support us. The calls stopped and I have not heard anything from them since. I have since moved from my previous address. Yesterday XX/XX/XXXX I deposited my payroll check I to my bank account and went to the store to find out my card was declined for nsf funds. They drained my checking account and took all but XXXX. Of my fiance 's saving account ( we have a joint account and this was from his paycheck direct deposit ). I called this morning XX/XX/XXXX to talk with the collection agency and they notified me that they can do this without any notice even after 7 years. They had my old address on file when they asked me to verify my Info I gave them my new address. I have XXXX children to support, rent due in 2 days and they have taken everything without any notice or option to payments or ability to fight the actual charges they say I owe which is unfair fees I was charged. Please help me.
Product: Payday loan, title loan, or personal loan

I am a victim of Identity Theft. The loan company is called TRUIST BAN. On my credit report it said it opened XXXX loan amount XXXX. I reported it as Identity Theft. I need a copy of the original signature please.
Product: Debt collection

I get repeated calls for a collection agency trying to collect a bills that I do not recognize. I never received any bills regarding a medical bill due. I really need the collection calls and need some detail about this bill.
Product: Debt collection

I was unaware that a {$7000.00} collection had been filed against me at XXXX, XXXX, and XXXX by Fair Collections & Outsourcing ( XXXX ). I have never been contacted by this company by phone or mail or any other means. I have not received a " validation notice '' so I was never given thirty days to dispute the collection before it was reported. In fact, I had no idea the collection existed until I was unfairly denied housing, due specifically to the size and recent filing date of the collection, which was related to apartment rental. The collection was filed by XXXX in XX/XX/2024, but I didn't find out about it until XXXX, XXXX. If XXXX had followed the rules, I would've received a validation notice and had the opportunity to dispute the collection before having my application turned down, with only three days left before my moving date. This collection must be deleted from all three credit bureaus immediately.
Product: Checking or savings account

Received phone call on XX/XX/2024, left voicemail asking to call back.

Called back XX/XX/2024, was told no notes were left by agent and no action required.

Contacted by chat support on XX/XX/2024 was told account was in good standing and no action required.

On XX/XX/2024 account was frozen and funds could not be accessed. Contacted by phone on XX/XX/2024
provided requested info and was told account would be unlocked and funds unfrozen. 

Funds remain frozen.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Removal of 15 Tradelines Causing a Drastic Credit Score Decrease To Whom It May Concern, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against Equifax Credit Bureau for a significant and unauthorized removal of 15 tradelines from my credit report, which has had a detrimental impact on my credit score. This action occurred between XX/XX/, and XX/XX/. 

On XX/XX/, my Equifax credit score was reported at XXXX, indicating a stable credit history and financial responsibility. However, within just 11 days, my credit score plummeted by an astonishing XXXX points to XXXX. This drastic change has caused immediate and severe consequences for my financial well-being. 

The unauthorized removal of the following accounts from my credit report occurred during this period : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 encompass various types of credit, including credit cards and installment loans. I had responsibly managed these accounts, and their presence on my credit report was crucial for maintaining a healthy credit score. 

The removal of these accounts is in direct violation of the Fair Credit Reporting Act, which stipulates that closed accounts typically remain on a credit report for seven years. The sudden disappearance of these tradelines has unjustly affected my creditworthiness and overall financial stability. 

I have attached a copy of my credit report from XX/XX/, for your reference. This report reflects the accurate and positive credit history I maintained before Equifax 's unauthorized actions. 

I urge the CFPB to investigate this matter thoroughly and take appropriate action against Equifax Credit Bureau for their unauthorized and detrimental actions on my credit report. I seek a resolution that includes the immediate restoration of the 15 removed tradelines to my credit report and the rectification of my credit score to its previous standing. 

I appreciate your attention to this serious issue, and I trust that the CFPB will act promptly to rectify this situation. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have the CITI credit card which my limit was only {$2000.00}. Yes I kept a high balance on the card but I decide to pay it off in XX/XX/2020 and when I did CITI decreased my credit limit, I have not once been late on any of my payment it would have been nice for them to increase my limit to {$10000.00} and not decreased to {$500.00} which now have hurt my credit score. I am very disappointed with CITI on how wrongfully that have treated me
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis is reporting an inaccurate bankruptcy on my credit report. I initially thought that the ORIGINAL creditor which is the bankrupty court was the one reporting this INACCURATE information to lexis nexis but they responsed to me that they do NOT VERIFY this information with the credit reporting agencies are third party such as lexis nexis
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX XXXX began reporting a medical collection that was not submitted properly to my healthcare insurer. On XXXX/XXXX/XXXX - XXXX referred it to XXXX XXXX XXXX and the debt was reaged. From that time to XXXX XXXX - both agency were reporting double on the same account. Seriously impairing my ability to obtain credit. I appealed via dispute several times but neither agency would act-continuing to report as verified. 
Finally in XXXX XXXX - XXXX removed the account duplication however Cascade continues to report this reaged and erroneous information. Cascade has not demostrated any relationship to the original creditor and I have had not information to verify this debt.