23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a legal letter from my county court that they will collect from my wages and Ive called multiple times on this debt and never call back. I rather deal with this on my own thats collecting from my work wages I will attach legal forms sent to me today XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX COMENITYBANK/KAY XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Personal Information : Employers : XXXX PLUS Employers : XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXX XXXX, CA XXXX : XXXX XXXX XXXX Former : XXXX XXXX Previous XXXX XXXX XXXX ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX Address ( es XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX Also Known As : XXXX, XXXX, XXXX Name : XXXX XXXX Name : XXXX XXXX XXXX
Product: Mortgage

PLEASE SEE THE TEXT OF MY LETTER BELOW : XX/XX/XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX : Borrowers : XXXX XXXX. & XXXX XXXX Loan no. XXXX Property address : XXXX XXXX. XXXX XXXX., XXXX XXXX , WA  XXXX Dear Sir/Madam : We received your letter of XX/XX/XXXX ( copy attached ). It states that " As of the date of this letter, we have not received your payment due XX/XX/XXXX in the amount of {$2400.00}, making your loan past due. Consequently a late charge of {$85.00} has been assessed to your account. '' This statement of yours is deceptive as your own records show receipt of our payment of {$2400.00} on XX/XX/XXXX ( see copy of your XX/XX/XXXX Mortgage Statement, also attached ). The {$2400.00} amount we paid on XX/XX/XXXX was the regular monthly payment amount, which apparently was increased for XXXX due to an increase in the escrow amount for taxes and insurance. I do not see in our records where this increase was clearly communicated to us so that we could increase the auto-pay amount for our mortgage payment and avoid having " late charges '' asserted against us. Enclosed please find our check in the amount of {$140.00}. This amount represents the {$59.00} difference between the old and new regular monthly mortgage payments, and the {$85.00} " late charge '' assessed against our account. With the receipt of the {$59.00} shortfall amount for the XX/XX/XXXX payment, you are directed to apply it and the {$2400.00} you are holding as a " partial payment unapplied '' to our account as our full XX/XX/XXXX payment. Your handling of our account and your correspondence to us regarding the account have been unfair and deceptive, and have prompted me to file a complaint with the Consumer Financial Protection Board. Thank you for your anticipated prompt attention to this matter. 


Yours very truly, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX , WA XXXX ( XXXX ) XXXX XXXX XXXX : XXXX XXXX.
Product: Debt collection

CKS Prime Investments placed a collections account in my credit reports. I sent certified letters to the company using information from my credit reports informing I don't owe them, to cease and desist any further reporting and disputed the information in the credit bureaus, but it still remains. It has adversely affected my credit and reputation as a credit worthy person financially because of the decrease of my credit score since they added this to my file. I have never entered into any type of financial agreement with this company nor have I ever signed any documents agreeing to any type of financial responsibility. This is the second time this company owner has done this. I had to fight before to have them removed and now they are doing it again under a slightly different name.
Product: Credit reporting or other personal consumer reports

These addresses should be blocked and removed from my credit profile. Please delete it. 

XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX EQUIFAX=================== # XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX # XXXX XXXX XXXX XXXX, PA XXXX
Product: Debt collection

I don't know when this account was supposedly opened, I can't get any information from.this company except that when I try to dispute it they say it is not disputable. They keep reopening the account also. This started in XXXX right after XXXX XXXX XXXX XXXX someone stole his and my information and it was years to correct it, in fact it's not all fixed. I received a text the other day from this company about a new account supposedly opened amd closed that they are now going to harass me over. I pay my bills amd have no outstanding credit cards or any credit cards actually. I have a student loan that is in good standing with no past due or missed payments. Yet because of these accounts I didn't open my credit is XXXX and XXXX. I am driving a XXXX vehicle and can't finance a newer one. I cant get a loan for badly needed dental work or home repairs. I am a single mother with XXXXXXXX XXXX XXXX XXXX. Not that it's relevant but they were XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I have struggled to provide for them all their lives and this is a big issue with that. I would like to enjoy some credit at thai point in my life. I work hard but paying cash is hard sometimes. I don't want handouts I just want to be able to get a decent credit score if I earned it.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom  It May Con cern : I have disputed my credit report due to incorrect information. After that happened, I been not able to get my credit report to me. They have made it harder for me to reque st one. Before, t his never happened to me. Also, my name, telephone and address are incorrect. I have disputed that before and they completely ignore it. That is what is happening to me and I am getting   XXXX   tire of it. Therefore, I need the CFPB to help me and be ON MY SIDE!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap. XXXX   XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

I opened a Best Cuy Citi credit card to get a promotional interest-free purchase, which was paid off in full. Several months after that, I received a fraud alert for a transaction ( that was over {$10000.00} ) that occurred on my account that I did not authorize. After calling the company, they cancelled the transaction and the card and were to issue a new card. The new card had a fraudulent charge on it ( in another state ) prior to me even receiving the card. I called again and their customer service offered the same resolution of disputing the charge, cancelling the card, and issuing a new one. I received the new card, and a few weeks after that, the same issue happened again. There was another fraudulent charge on the account ( again in another state from me ), and again their customer service offered the same resolution. The fraudulent charges occur at least once a month ( sometimes more ), and they're not able to provide any resolution to prevent this other than constantly cancelling the card and issuing a new one. If I don't constantly monitor the account, this could result in huge charges that I am not authorizing.
Product: Payday loan, title loan, or personal loan

This loan from XXXX says I borrowed {$1400.00} online. Then i saw that it was 500 % interest, plus a finance fee. Now they say i owe over {$6500.00} in one month. I am getting collection calls. I did not sign up for this loan. They insist they can charge 500 %. 
I have told the collection people that I do not owe this money, but they keep calling me. 
I am on social security trying to get by. 
This is part of a bigger scam that I am fighting now. I was the victim of a couple of scams online ; A romance scam. Then I was threatened by the scammer who took over my computer remotely.I was told i had to pay upfront costs but I didn't know what they were talking about.I am now being told I signed up with them for a loan a month ago. 
I am reporting this along with other loans and credit cards to my bank and the police. 
In total, I was scammed XXXX from fraud. 
I am in the process of filing for bankruptcy now. 
Thank you. 
I just now received this email : to me Hello XXXX, This email is a confirmation that we have received your ACH revocation request with Lendumo. This request has been applied to your account as of XX/XX/2023. If you had a payment before or on this date, the ACH revocation will be applied on your next payment date. 
Please be advised that while payments will no longer be automatically taken from your bank account, they are due by their scheduled payment date. Your next payment is scheduled for XX/XX/2023 in the amount of {$530.00}. To avoid late fees, please call to schedule one-time transactions or mail in your payments. 
Please keep in mind mailing in payments may take 2-3 weeks to post and are only posted once they are received by our payment processing department. Our mailing address is listed below. 
If this modification was made in error or you have further questions, please contact customer service at XXXX.
Product: Checking or savings account

I contacted Coinbase regarding unauthorized transactions made on my debit card on XX/XX/2022. On XX/XX/2022 I received several emails from Coinbase regarding the unauthorized transactions that stated my claim wasn't going to be processed because the transactions were past the time limit. They stated that I only had 60 days from when the transactions were made to report the fraudulent activity and submit a claim. I called customer service regarding their response and informed them that I was hospitalized twice following these transactions being made on my account, which prevented me from contacting them within that time frame. I also informed them that I never received any statement from them showing me the transactions on my account. I also informed them that my mobile device had been stolen, so I never reviewed my account or saw the unauthorized transactions prior to contacting them. I informed the representative that I would provide my doctor 's notes that I received from the hospital when I was XXXX which detailed the dates of my hospitalization. The representative stated that she was submitting an escalation regarding this and stated that someone would contact me via email. I never received any email regarding the escalation. According to Regulation E, when reporting account errors, a institution must provide addition time to the consumer if extenuating circumstances prevent them from reporting the errors within the specified timeframe. My hospitalizations were extenuating circumstances, therefore Coinbase should have taken this into consideration and extended the timeframe for me to report the unauthorized transactions made with my debit card. Regulation E 1005.6 ( b ) ( 3 ) ( 4 ) Extension of time limits. If the consumer 's delay in notifying the financial institution was due to extenuating circumstances, the institution shall extend the times specified above to a reasonable period.
Product: Checking or savings account

Every deposit I've made has been held for " we have confidential information that this deposit wont be paid, and an 11 day hold will be placed on it. After going to the branch 3X in 1 day, I was told that the branch level had put no hold on it. Sure enough, the check was held. I called the 800 # and was told, it is the branch manager who did it. I went back, to have them help me, at which time the Manager verbally accosted me, never introducing himself, and after asking him to stop, and advising him I was there to see XXXX, he said, " oh well, I could have taken the hold off, but I'm not now! '' Using his access to my money as a vehicle for his retribution. 

I'm a new business owner, and Regions bank, XXXX GA has held me hostage, and will force me to close, while they punish me for being stupid enough to trust them. 

I called back the 800 number, and was told again that it was the branch manager 's decision. I will be writing an email, to XXXX XXXX, RVP XXXX XXXX USA, and his fellow C Suite , and copying all of the nasty people I've met at Regions Bank including XXXX XXXX, XXXX XXXX, and their manager tonight ( Friday ) and hope they enjoy this weekend, and their successful torture of me, and attempting to defraud me, for their own managers personal vendetta. This manager is a XXXXt XXXX, and I feel did this as a form of discrimination against me.
Product: Credit reporting or other personal consumer reports

There are unauthorized and unrecognizable inquiries on my EXPERIAN consumer disclosure report that I did not give permission to furnish on my report. Please block and delete. There are inaccurate variations of my name being reported. The names are as follows : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, and XXXX XXXX  XXXX. My real name is XXXX XXXX. Inquiries : XXXX, XXXX XX/XX/2022, XXXX, XXXX XX/XX/2022
Product: Debt collection

LENDING CLUB CORP- Account number XXXX*is reporting on my credit report. I have been a victim of identity theft and have sent documents to Lending Club proving that I am a victim along with copies of my credit reports, identity theft affidavit and police report. They have failed to respond. This account is not mine.
Product: Mortgage

There is a 30 day delinquency report on my credit and when I look at my account online, the information is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent Dispute to Experian on XX/XX/2020 disputing public record : Chapter XXXX Bankruptcy. Requested that it should be removed because it should not be reported on credit report. 
Experian conducted investigation and stated on XX/XX/2020 that they verified Bankruptcy with company listed which is US BKPT CT GA XXXX who furnished them the information. 
I conducted my own investigation and found that the courts do not furnish information about bankruptcies to the credit bureaus, vendors, or any third-parties. ( I have provided an actual letter from the court that states this. ) Verifying my information would require my full social security number to be provided by the courts to Experian which is against the law. I found during my investigation that Experian utilizes third-party vendors such as XXXX to verify bankruptcies. I do not have any public record of a bankruptcy reporting in XXXX as of XX/XX/2020. How did you verify this information? What is your method of verification? Who did you speak with? What is the name of the person that you spoke with and their contact number? What documentation did they provide you? Please provide me proof of the petition with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters since XX/XX/2021 with regards to my request of removing the items in question and my last request was sent XX/XX/2021. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been a rough Year for me. I'm Ready to purchase Property for me and my kids, so I decided to check my credit.. 
I cant Believe that I became a victim of Identity Theft. I work very Hard to maintain my credit for me, and my Kids Future. 
How Can someone destroy My credit ... this is not Fair nor is this right, I did not give any Consent to these fraudulent Account. this was not authorize by me. I want these Accounts blocked and Removed from my credit thank you
Product: Debt collection

Eaton Group Attorneys, LLC is trying to collect on a debt that was the result of identity theft but they are the type of service that would try to collect on a debt even if they know the truth about the debt.This Eaton Group Attorneys, LLC is in violation of the federal fair debt protection act 15 U.S.C. 1692.

The company that sent this account to you was sent may letters telling them that this account was opened through the result of identity theft.

This debt is not owned by anyone in this household.

Also XXXX  XXXX  XXXX  was told that the account was the result of identity theft.

I would like to know why is Eaton Group Attorneys, LLC trying to collect on a debt that is the result of identity theft? 
Reference number # XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX XXXX XXXX Bank XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX 's Acct # XXXX XXXX XXXX  Acct # XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Act # XXXX XXXX XXXX XXXX Acct # XXXX 15 U.S.C . 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681 section 602A, A. States that I have the right to privacy.

15 U.S.C. 1681, Section 604A, Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than the records of convictions of crimes which antedates the report by more than seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

im not liable for this debt posted on my credit report. I do not have a contract or sign any documentation so how is these my accounts.I sent numerous letter in the past disputing the negative accounts.I sent out request to the original contractors asking for proof and all I received was a bill. XXXX does nothing to assist in this matter and continue to report on my credit please assist in these
Product: Debt collection

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that REMEX would verify the debt. So I took it upon myself to ask REMEX for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX located in XXXX, GA ; XXXX located in XXXX, TX and TRANSUNION located in XXXX, XXXXThis company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, resulting in significant financial and emotional distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim as per the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this issue over the past several months, XXXX, XXXX AND TRANSUNION have consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of this 3 bureaus namely XXXX, XXXX AND TRANSUNION have inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Product: Credit card or prepaid card

Someone has my identity and used to open many credit cards under my name but all the applications have been denied because blocked my credit. They used my Discover, XXXXXXXX XXXX  credit credit to purchase many big transactions. Also, they singed in my XXXX  XXXX checking account and transferred {$10000.00} from my XXXX XXXX credit card in to my checking account. Then, they tried to withdraw money at XXXX XXXX at XXXX XXXX XXXX XXXX, CA XXXX. The teller XXXX XXXX ( XXXX ) XXXX replied that something was not right and denied then blocked my account. XXXX  XXXX case number is XXXX. 

XXXX XXXX Police report number XXXX on XXXX XXXX, 2022