23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My XXXX  XXXX credit card had fraud my limit was only {$300.00}. During XXXX I got gas at the XXXX in XXXX I was not aware that it had a card scimmer. XXXX weeks later was charged XXXX for a rental car that I never rented. I contacted XXXX XXXX and disputed the charge and they reversed it and opened me a new account and gave me a new card. XXXX  months later this fraudulent debt was on my credit this is not mine and I want it removed
Product: Credit card or prepaid card

On XX/XX/2019 I made a cross-country move. My move was sub-contracted out to a company that was NOT of my choosing ( my original contract was not with these people ) and the company that showed up that day was unknown to me. It turns out they have multiple XXXX complaints against them for fraudulent business practices. For my move, they sent one of their employees and he picked up four day laborers from my local area who had never done moving work before. They handled my items roughly, broke a few things, and one of them stole a bag containing a passport and other identifying items ( this last was verified by the police ). The moving company also took my household goods hostage in the truck and would not move anything unless I paid double, almost {$3000.00} more than was in the contract. I will note that handling my items in this way is against federal regulation and laws applying to interstate moves. 

I paid with my XXXX Citibank Visa because they had everything I owned and I was not in a position to fight them, alone in my house. After the move, realizing how badly the movers had manipulated me, I contacted XXXX, who advised me to file a dispute with Citi before I attempt legal action. I filed the dispute on XX/XX/19 and was told that I would be contacted shortly to provide documents, photos, and anything else I had to support my dispute. However, two days later, on XX/XX/19, my dispute was closed " resolved '' and the reason given was the merchant had performed a service and deserved to be paid. 

I immediately called customer service at Citi and was directed to someone in the disputes department, who listened to my story, heard that I paid the movers twice - once with the card to get them to actually move my stuff, and once with cash - and I have documentation proving this, and he said I had a good case to reopen the dispute and cite double-charging. He told me to email my story and any supporting documents to XXXX and my case would be re-opened for review. 

I gathered everything together and on XX/XX/19 I emailed a full accounting of the moving experience, photos of my items, and copies of the conflicting contracts and receipts with the movers to Citi. As of XX/XX/19, however, I had heard nothing, could find no evidence of action on my dispute and nothing had changed on my online account. I called customer service again and was directed to another person, who said she could see my email had been received but all my attachments were corrupt. I asked why no one had responded to me to indicate receipt or that there was a problem, and she had no answer for me. She simply suggested I re-send.

I re-sent everything that same day. However it is XX/XX/19 and still my dispute has not been reopened, and when I call today, I can not reach a live person who can help me.
Product: Bank account or service

I mistakenly submitted 4 transactions to my bank account which were denied after my job delayed an expense reimbursement. Not only did they charge me excessive overdraft and finance fees 14 times ( as of now ) for the 4 charges, they would then attempt to withdraw the charge again, causing overdraft and finance fees to multiply. This occurred with a XXXX credit charge of XXXX, a student loan of {$160.00} on XX/XX/XXXX, XXXX of {$61.00} on XX/XX/XXXX and {$9.00} on XX/XX/XXXX. This is predatory and it caused a downward spiral that I was just able to get out of. Had I not had the resources to climb out, I could have been bankrupted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report because i've been a victim of identity theft but accounts are still showing on my credit file.
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX XXXX XXXX XXXX - Account # XXXX, has violated my rights. 
Account name : XXXX XXXX  -Account # XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX Account # XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 records of convictions of crimes which antedates the report by more than seven years.

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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, and holder. 
Under15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates You are in direct violation of 15 U.S.Code 1666b, 15 U.S. Code 1637 for the following account XXXX XXXX XXXX XXXX Enclosed are my documents ( Proof of identity, TransUnion report ) ( See Attachments )
Product: Debt collection

Dear CFPB, FOR THE RECORD, On XX/XX/XXXX I filed lawsuit in XXXX XXXX XXXX XXXX California Division Case # XXXX against XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) et. al. ( COPY ATTACHED ). 

I'm also Demanding for Cancellation and Rescission of Notice of Default and Notice of Trustee Sale XXXX # XXXX recorded on my property XXXX XXXX XXXX XXXX, CA XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX scheduled for XX/XX/XXXX. 

As of today, XXXX XXXX ( ZBS Law, XXXX ) has not cancelled the Trustee Sale despite the Active Federal Pending Lawsuit, Notice of Pendency of Action, and Plaintiffs Motion for Temporary Restraining Order. 


Under my private rights of action and administrative process I want to report that XXXX XXXX, has repeatedly ignored and has failed to respond to my Qualified Written Request ( QWR ) and Dispute of Debt and Validation of Debt Demand Letters over the years and one specific dated XX/XX/XXXX sent Certified Mail # XXXX ( COPY ATTACHED ). 

In addition, I never contracted with XXXX, XXXX dba XXXX XXXX XXXX  or XXXX XXXX XXXX XXXX XXXX XXXX for XXXX, XXXX XXXX Trust at any capacity and never had any business relationship verbal or written. 

The XXXX, XXXX dba XXXX XXXX XXXX Account # XXXX corresponding to my property at XXXX XXXX XXXX XXXX CA XXXX was created without my authorization and through identity theft of my personal and private information. 

Enclosed, you will find my Affidavit of Truth and Fact Notice of Special Appearance served to the above individuals and entities including XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX ( COPY ATTACHED ). 

In addition, you will find Audit from XXXX XXXX and his Declaration under penalty of perjury that will confirm my above allegations ( COPY ATTACHED ). 

In Conclusion, XXXX XXXX and ZBS Law, XXXX, are hereby demanded to file in the XXXX XXXX XXXX XXXX 's Office a CANCELLATION OF NOTICE OF TRUSTEE 'S SALE ( Rescission ) for the fraudulent Trustee 's Sale # XXXX on the referenced Deed of Trust. XXXX XXXX, XXXX and XXXX, XXXX, & XXXX XXXX are also demanded to deliver to me a fully executed copy of the same document at the referenced property address. Respectfully, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I attempted to deposit XXXX Euros on my verified account on Coinbase.com via XXXX deposit. On their site it explicitely states that XXXX deposits take from XXXX days. By the date im writing this 20 days have passed. I attempted to contact them without luck. 
It seems that i will have to talk to my bank and retrieve the funds somehow. 
Please make sure others are aware of the dangers. 
Regards.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewed response of dispute letter I sent via USPS. XXXX XXXX XXXX  on XX/XX/2022 response returned with Inaccuracies and deficiencies ; On XXXX credit file they are listing inaccurate unverified and invalidated listed below accounts. Moreover no consent by me the consumer has been submitted to me showing proof I consent to my private information being shared ; initially I requested XXXX REMOVE personal information that I do not want on my credit report. In accordance with the Fair Credit Reporting act 15 USC 1681. Accounts named : XXXX # XXXX, XXXX.. # XXXX, XXXX. # XXXX, XXXX # XXXX, XXXX.. XXXX XXXX, XXXX .. # XXXX, XXXX.. # XXXX, XXXX # XXXX, XXXX  # XXXX, XXXX # XXXX, all have deficiencies and inaccuracies ; these accounts are and has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and 15 USC 6802.15 U.S.C 1681 section 602 A. States I have the right to privacy. No financial Institution is not supposed to share my information to the third-party peoples. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C. I despite all the fore-mentioned accounts and respectfully require XXXX to remove all said accounts.
Product: Credit reporting or other personal consumer reports

I sent a letter out on XX/XX/2023 and XX/XX/23 to Experian, and XXXX. However, the credit bureaus said the completed the investigation and everything was % accurate. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Debt collection

I had an account with XXXX XXXX I believe in XXXX. It closed and I had a balance. I received a letter that I was being sued and had papers for court by Midland Credit in XXXX of XXXXI contacted someone and she told me the dates that I had to pay the balance. I made my first payment, in order to avoid going to court or having my things seized, in XXXX of XXXX. I made my XXXX payment in XX/XX/XXXX, i was told that i would be receiving s a letter stating that i paid in full and the account will be cleared and closed. XXXX weeks later XXXX XXXX I receive yet another court hearing for {$280.00}. whenever I call midland they already know who I am, I can never talk to someone in the legal department, XXXX months went by and no one could tell me where the fees were coming from and why they added it so late. I was told to pay it or my things will be repossessed. they added " court and legal fees '' to my account XXXX  weeks after my final payment and tried to sue me again. I disputed it through XXXX XXXX but have yet to see anything and midland credit does not answer calls.
Product: Credit reporting or other personal consumer reports

Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Failure to Comply or delete these items below XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
Product: Credit card or prepaid card

I have had an injury problem since XXXX which has reduced my ability to work. 
Consequently I have had problems paying certain bills, my Capital One bill among them. 
After several late payments and collection calls where I explained my situation I asked them to change my payment due date. 
They said I had to make a {$10.00} payment ( which I made on XXXX/XXXX/XXXX ) and call them back. 
When I called them back onXX/XX/XXXXthey said I had to make a {$50.00} payment ( which I did on XXXX/XXXX/XXXX ) and call them back. 
I* called them back on XXXX/XXXX/XXXX and asked, AGAIN, to have my due date moved to the XXXX of the month and they told me it 'd take XXXX MONTHS for it to be effective!!! 
Meanwhile my payments will continue to be late and they will continue to charge me {$35.00} each. 
Thus far they have charged me a {$35.00} late fee on XXXX, XXXX, and {$25.00} on XXXX, Never once when I was getting collection calls was I told by the bank that I could change my due date. That was wholly my OWN idea.
Product: Payday loan, title loan, personal loan, or advance loan

I was suppose to receive my check on XX/XX/10 and havent received payment and now the fees associated with overdrafts due to no direct deposit. Currently at {$90.00} in overdrafts fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts XXXX XXXX XXXX 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 have tried numerous times requesting TransUnion to send me documentation on how the " verified '' this alleged debt on XXXX XXXX. But according to FCRA, Section 611 ( a ) ( 5 ) ( A ) ( i ) and 15U.S.C. 1681g, I have the right to demand for those documents that are used to " verify '' an alleged debt. But with TransUnion refusing to do so. TransUnion has violated my rights as not providing documents in how this alleged debt has been verified. I have sent multiple letters requesting proof of how TransUnion verified the alleged debt. I have not got any documents and only one dispute result which stated, " verified ''. I have been asking for documentation for the last 2 to 3 months and received nothing. I am asking, " where are the documents that you used to verify this account? What is the name of the person in your company who verified this account? What documents did they use to verify them? TransUnion has refused to answer this questions and to send any documentation.
Product: Credit card or prepaid card

I had a discover credit card. I reported unauthorized charges. Discover did not take my report to them seriously. No investigation was done and they just charged off my account. I paid off tge charge off and now they have black listed me. 

Discover did not protect my account, they damaged my credit and now theyve black listed me. 

Please investigate as it appears I was scammed by discover
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact the company over the last month about 15 times about the items reporting on my credit i advised them that i am not in the country at the moment i am in the XXXX overseas and they have not removed the items they have removed a few many remains XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Georgia XXXX Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX
Product: Mortgage

I had XXXX in XXXX and was going to be out of work for XXXX  months so I contacted Roundpoint Mortgage to have my XXXX, XXXX and XXXX payments deferred to the end of my loan. I submitted an application and did not pay those XXXX  months. We made a payment on XX/XX/XXXX and another payment on XX/XX/XXXX which they returned and said we had to pay the entire balance in full. I have contacted them numerous times trying to get this resolved and they keep stalling. I've asked to speak to a manager XXXX  times, I've emailed a formal complaint and I'm still not getting anywhere. We recieved a NOTICE OF DEFAULT letter and now, as of yesterday, they have damaged my credit.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( account XXXX, account numberXXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
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. 

Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXX, Account name : XXXX XXXXXXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 records of convictions of crimes which antedates the report by more than seven years.

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.
Product: Credit card

Discover has been playing games with my money for nearly a year now. I have spent 9 months on a dispute that clearly should have been decided in my favor. Even after providing the required documentation, they keep saying someone is looking into it, but nothing is happening and they owe me {$310.00} plus 9 months of interest. This kind of thing is resolved in 5 minutes with XXXX!
Product: Debt collection

I am filing a formal complaint against Exeter Finance for their continued negative reporting on my credit despite my request for them to cease and desist. I previously sent a cease and desist letter to Exeter Finance, requesting that they stop all communications and remove the inaccurate or unfair negative reporting from my credit report. However, despite my request, they continue to report negatively, which is causing significant harm to my credit score and financial well-being.

Their actions are in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) as they have failed to properly address my dispute and continue to engage in practices that unfairly damage my credit. I am requesting that the CFPB investigate this matter and take appropriate action to ensure Exeter Finance complies with federal regulations. Furthermore, I am demanding the immediate removal of this negative item from my credit report.
Product: Checking or savings account

My direct deposit was sent from my employer to Capital One on Wednesday XX/XX/XXXX and as of Friday, XX/XX/XXXX, it is still not available. The company states they have an outage that is affecting direct deposits. My cable bill, car payment and XXXX have now been rejected due to the lack of my deposit being posted. I now have late fees and disconnected services because of this and have missed a day of work because I need my internet service in order to work. I do not have funds for food at the moment either due to not having access to my direct deposit.