23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Can you please help me file a suite against these companies for breaking the law? Last year and all of XXXX  so far I have mailed letters certified to dispute items and yet the companies break the law each time.
Product: Credit card or prepaid card

I made Purchase for pool equipment that was never delivered. I contacted XXXX and receive confirmation that the item was not delivered to my home I contacted PayPal and initiated a dispute investigation requesting for the seller to provide proof of shipping and proof of delivery. I never received anything from the seller, no proof of shipping and no delivery. After 10 days of waiting, PayPal found in favor of the seller. The seller did send my purchase and did not provide proof of shipping, the tracking number the seller sent was to an address that isnt mine Nd not in my name. I have paid {$410.00} for an item I never received and PayPal papers to have no interest in resolving the matter in an honest and fair manner.
Product: Debt collection

I sent a letter to Convergent requesting proof that this is my account, a written agreement with my signature. They sent me sort of papers with just phone numbers on it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI, XXXX I am a victim of identify theft. Enclosed is a copy of my credit report with the fraudulent items circled. I did not open these accounts or receive these loans. 

Loans or accounts I did not open : 1. ) XXXX # XXXX 2. ) XXXX  XXXX # XXXX 3. ) XXXX XXXX XXXX # XXXX 4. ) XXXX # XXXX 5. ) XXXX XXXX XXXX XXXX # XXXX 5. ) XXXX XXXX # XXXX 6. ) XXXX XXXX # XXXX INQUIRIES 1. ) XXXX XXXX XXXX 2. ) XXXX XXXX 3. ) XXXX 4. ) XXXX XXXX XXXX 5. ) XXXX XXXX XXXX XXXX XXXX is reporting an address Ive never lived at with incorrect information including phone # s etc. ( proof provided ) Enclosed are copies of documents [ List all the documents you have to support your case, such as police report, ID Theft Affidavit, et... ] concerning the unauthorized use of my identity. I am requesting that you remove this information from my credit report as soon as possible and send me an updated report. 
Thank you.
Product: Mortgage

I have submitted 2 complaints with CFPB # XXXX and # XXXX for Bank of America Home Loan account no # XXXX. Now the bank is retaliating and has suspending my account, claiming that my payment is past due. BofA hasn't corrected the issue and is showing balance on my account incorrect ( it's been many months and I see random activities on my account daily from BofA ). Additionally, I am on auto pay from my BofA checking account so there is no way I could be late on my payment. I am totally disappointed on BofA and feel mistreated and harassed.
Product: Debt collection

I have been receiving many harassing phone calls from spoofed numbers, from someone identifying themselves as XXXX XXXX from National Credit Systems. They have stated that they are attempting to collect a debt. They have also called some of my family members from spoofed phone numbers. The number that they leave to return calls is XXXX. 

I received a letter in the mail yesterday that they are trying to collect a debt from an apartment complex, XXXX XXXX XXXX  XXXX, I lived in for 6 months in 2017, in XXXX XXXX, TX. The alleged amount owed is {$1000.00}. They have threatened to report to the credit bureaus. Additionally, they sent a separate letter to my husband for the same amount. On the NCS website, they have documentation showing that XXXX XXXX XXXX  XXXX owed us the amount they were trying to collect. 

This debt is not real, as I have proof of a good standing with the apartment complex upon move out and proof that my security deposit was returned. I have been unable to reach the apartment complex yet, but used their website 's " Contact '' function to send an email demanding answers. 

They call many, many times a day, spoofing their number to be similar to mine. I have resorted to blocking each number, and have never answered the phone. I will take whatever legal action is necessary, as this is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2019, a withdrawal was made from my checking account in the amount of {$140.00}. The person who signed for the withdrawal in the bank, is not, and has never been, listed on my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau 1700 G Street NW XXXX XXXX XXXX Subject : Complaint Against XXXX XXXX XXXX for Illegal Debt Sale and Improper Handling of Collateral Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint exercising 15 U.S.C 1681s ( b ) against XXXX XXXX XXXX regarding their handling of my auto loan account, specifically concerning the sale of my debt to a collections agency and the improper disposition of my collateral, a XXXX  XXXX XXXX XXXX. 

To provide context, I had an auto loan with XXXX for the aforementioned vehicle. Unfortunately, due to unforeseen circumstances, I was unable to continue making payments. The vehicle was involved in an accident and subsequently declared a total loss. I had insurance coverage with XXXX XXXX XXXX, which was prepared to settle the claim for the vehicle. 

However, instead of reaching out to XXXX XXXX to resolve the matter, XXXX took the following actions that I believe are illegal and unethical : XXXX. **Sale of Debt to CollectionsXXXXXXXX : XXXX sold my debt to a collections agency without properly notifying me or allowing me the opportunity to address the situation with my insurance provider. This action has severely impacted my credit score and financial standing. 

XXXX. **Sale of Collateral** : XXXX sold my XXXX  XXXX XXXX XXXX without my knowledge or consent. I have documentation that includes a notice of deficiency and a notice of their plan to sell the property. Additionally, I have a receipt from XXXX XXXX and XXXX, which confirms that they picked up the vehicle, and a police report detailing the incident. 

XXXX. XXXXUnjust Expectation of PaymentXXXX : After selling the vehicle and applying the sale proceeds, XXXX is now expecting me to pay a balance on a vehicle that was totaled. This expectation is not only unreasonable but also places an undue financial burden on me. 

I believe that XXXX actions violate consumer protection laws and regulations, and I am seeking your assistance in addressing this matter. I request that the Consumer Financial Protection Bureau investigate this situation and take appropriate action against XXXX for their improper practices. 

Enclosed with this letter are copies of the following documents for your review : - Notice of deficiency - Notice of plan to sell the property - Receipt from XXXX XXXX and XXXX - XXXX  report I appreciate your attention to this serious matter and look forward to your prompt response. Thank you for your assistance in protecting consumers like myself from unfair and illegal practices. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

While seeking an apartment in XXXX XXXX via XXXX, I engaged with XXXX XXXX who presented himself as a realtor, complete with a real estate website link. Our discussions moved to email, where he provided details of a XXXX XXXX studio with a monthly rent of {$1500.00} and an upfront payment of {$2500.00} ( {$1500.00} for the first month and a {$1000.00} security deposit ). Given that I was overseas, I proposed a site visit by a local friend, which XXXX XXXX declined due to an alleged current tenant. He provided an internet bill and California ID as authenticity proof, prompting me to transfer {$1500.00} via XXXX and {$1000.00} through Chase Bank. I am currently disputing both transactions. Chase Bank has said that since the payment was made through XXXX ( a quick payment service offered by Chase ), they can only file a complaint. I have not received any confirmation of this complaint yet. With XXXX I am waiting on a resolution to my complaint, I have offered them all the details of the fraud ( emails, texts, proof ). I made the transactions over 1 month ago ( XX/XX/2023 ). 

Subsequent to the payment, the supposed XXXX XXXX ( whose ID document I am in possession of ) immediately requested additional funds for purported renovations. Despite my multiple requests for a receipt and property viewing, he persistently sought further funds and eventually ceased communication, also blocking me on XXXX. Upon my return to the XXXX, I intend to report this to the police, particularly since the payment through Chase Bank was transacted to a XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX ( XXXX XXXX ) Late Payment reported on XX/XX/XXXX. 
Account # XXXX ( XXXX XXXX XXXX XXXX ) reported on XX/XX/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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

Last year my identity was stolen and I reported it to all the proper entities. Yesterday in the mail, I receive a form letter from a company called  XXXX   XXXX   XXXX  claiming that they were trying to collect a debt owed to PNC Bank. I have nothing with PNC Bank. I have tried to contact the company 4 times since last night. I spoke with one agent who had me call another number last night andnwhen I called the nimber I was put on hold for about  9  minutes. I called them back today and the first time I called the guy hung up on me. The second time I called, the guy wanted me to give them my social security number before they would proceeed and I told the guy again that I had had my identity stoloen before and that I was not going to give someone my social security number over the phone who I did not know. He told me that if I would not give him my social security number that he would end the call. I told him to end the call and I hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the items was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : 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 card

I the consumer and natural person was denied credit by American Express company on XXXX XXXXwhen I applied for an American Express gold card. According to the Equal Credit Opportunity Act adverse action against a consumer is against the law which is codified in 15 U.S.C 1691 ( c ) and is pursuant to civil liability under 15 U.S.C 1692 ( k ) due to the response I received by American Express they are subject to criminal liability for violating 15 U.S.C 1692 as I have proof that I was discriminated against due to the response I received. American Express is in violation of 15 u.S.C 1642, 15 U.S.C 1681 ( m ) and 12 CFR 1002 because I, the consumer made an application in good faith, but credit was not issued. Furthermore, because my social security number which according to 15 U.S.C 1602 ( I ) is defined as a credit card was used and I received no benefit l, this is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of American Express. If American Express fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make American Express criminally and civilly liable for all actual damages pursuant to 15 U.S.C 1681 ( n ) and 15 U.S.C 1681 ( o ) I will also follow up with an invoice for said violations ( {$1000.00} per violation ) please reply back by written statement only within 5 business days of this notice, Thank you XXXX : XXXX Agent/beneficiary Without prejudice. All natural inalienable rights reserved.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act WF/DILLARDS Acct XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States that I have a right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went through the process on www.annualcreditreport.com and asked for 2 free annual credit reports : XXXX and Transunion. I got the XXXX report, but this is the 2nd time in 2 years I was unable to review my Transunion report. They ask questions that are not answerable : they asked under what name I have used for credit and the ones they suggested are incorrect and ... 

HOW CAN I KNOW WHAT INCORRECT NAMES THEY HAVE RECORDED FOR ME WITHOUT SEEING THEIR REPORT??? 

Also, every one of the 3 first questions they asked were " NO, does not apply to me ''. 

So I went of TRANSUNION web site to request it there, but on the 2nd step, they asked for a credit card number ( which by the way, they made no mention of price!! ). ALSO, they forced me to *not* use spaces in my own name on their web site ... which my name does have!!! That's not a technical limitation anywhere in 2018 except with a company that obviously is discriminating against non-Anglo people. 

Transunion is I believe FRAUDULENT. BTW, my credit score is above 800, so this is not about anything else than me wanting to review what they have in my credit file. From the problems I've experienced now TWICE over the years getting access to MY information, I suspect problems in the file.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mines and some are 7 years old or more. 

XXXX XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX +  {$1000.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX + {$200.00} Closed XXXX XXXX XXXX  XXXXNeeds Attention Last reported : XX/XX/XXXX - {$3000.00} In Collections/Charge-off The three collection below are not mines and I disputed prior to being posted to credit report. Some have been re-posted to report after being disputed and deleted.
XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$5900.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$3800.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$310.00} Needs Attention
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed that this account was not reporting accurately. I had one late payment on XX/XX/year> which is simply untrue. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments. the account is - XXXXXXXX XXXX XXXX XXXX XXXX  with a credit limit of XXXX XXXX and it was opened on XXXX XXXX, XXXX this account is showing false information so I ask for an investigation on this account across all three major credit bureaus. my social security number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a XXXX XXXX XXXX  in XXXX of XXXX as I was at the time a frequent shopper looking to rebuild credit to obtain a newer vehicle and home down the line. Things went exceptionally well with having this credit card until the gaps of employment from XXXX of XXXX to XX/XX/XXXX in which the latter resulted in me losing my home, my vehicle, without financial assistance as I am estranged and disowned by EVERYONE in my life for personal reasons. 

I was also denied unemployment due to previous reasons of not reporting new employment ( which was relayed that I had never been in that position of having to do so for years as I had maintained stable employment until XXXX of XXXX ), and I tried EVERYTHING in my power to avoid this situation. I explained to them SEVERAL TIMES that I was not in a position to pay at the time, however when I started to get back on my feet, I paid what I could and in XXXX of XXXX the account was INCORRECTLY charged-off because an incompetent employee WHO DID NOT DO THEIR JOB in WHICH THEY CONTINOUSLY DENY AND DENY TIME AFTER TIME. I made a plan to pay the account in full as opposed to a 4-year payment plan which would have been tedious as I am currently homeless without a vehicle, I sometimes sleep in abandoned buildings for air-conditioning and a warm shower. I also sleep on the streets and motels when the city provides vouchers for stays. I was in a XXXX XXXXXXXX  relationship in which I am a XXXX XXXX XXXX XXXX, I have had my XXXX XXXX, XXXX XXXX, had to take unpaid XXXX XXXX from a part-time that was barely paying the bills to begin with, I was also diagnosed with XXXX which limits my food choices that results in me NOT eating most days and in spite of the mentioned circumstances I managed to catch up on my bills including pay this account off IN FULL W/O a settlement plan. 

I complained to the XXXX SEVERAL TIMES ON THEM AND THEY STILL DO NOT ADMIT TO ANY WRONGDOING!!! ADDITIONALLY, THEY DID NOT PROPERLY VERIFY XXXX IN TERMS OF MY ACCOUNT, THEY KNEW I WAS EVICTED AND I COULD NOT RECIEVE ANY MAIL AT ALL ALONG WITH BEING PROHIBITED FROM BEING ON THE PROPERTY AFTER MY EVICTION. THE LANDLORD WROTE ME LETTER STATING THAT I WAS NOT ALLOWED ON THE PROPERTY NOR COULD MAIL COME W/O PRIOR APPROVAL SO THEREFORE I NEVER RECEIVED A LICK OF XXXX VERIFICATION FROM THESE UNEDUCATED XXXX REPRESENTATIVES XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND NEED TO LEARN RESPECT ALONG WITH LACK OF EMPATHY!!! I PROVIDED THEM WITH HARDSHIP DOCUMENTATION AND ALL THEY COULD SAY WAS " SORRY TO HEAR THAT '' IF THEY WERE XXXX SORRY THEY WOULD HAVE HONORED MY REQUEST!!!! I AM TRYING TO GET A PLACE TO LIVE AS I AM SICK OF LIVING ON THE STREETS, LIVING MY LIFE, NOT HAVING A VEHICLE, FRIENDS, A HUSBAND WITH A FAMILY, ETC. THESE PEOPLE NEED TO FIX THIS XXXX XXXX IMMEDIATELY!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Incorrect name and addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, am a victim of I identity thief. I have reached out to the bureaus numerous of times with no response and I am in the process of seeking legal damages. My attorney ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX, has noticed several breaches in the FCRA concerning my case. I see student loans seeing I have never been to college a day in my life. This has to stop. I have filed a police report months ago and sent ii in certified mail. Nothing has been done. I have faxed and called Transunion, XXXX and XXXX. I was turned down for a mortgage and my family and I was forced to live with relatives. This is embarrassing and truly a hindrance. I have went in to a XXXX XXXX  behind this because I've had issues with law enforcement based on the fact that the thieves used my information to commit a white collared crime .These are the erroneous and fraudulent accounts in detail : XXXX XXXX {$10000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$66000.00} XX/XX/XXXX XXXX XXXX {$11000.00} XX/XX/XXXXXXXX XX/XX/XXXX{$5300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX {$38000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$26000.00} XXXX INQURIES XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Due to the credit bureaus negligence we have also decide to add the following individuals into our pending lawsuit. We strongly feel like these particular individuals within each bureau are mainly responsible as overseers as it pertains to our case XXXX XXXX XXXX  Customer Service Manager at  XXXX XXXX XXXX Email : XXXX XXXX XXXX Operations Manager XXXX XXXXXXXX XXXX XXXX XXXX CEO CEO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Compliance Fraud Investigator XXXX XXXX XXXXXXXX XXXX XXXX XXXX CEO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  President US Commercial Services and Chief Client Officer XXXX XXXX XXXX XXXX XXXX President XX/XX/XXXX XXXX Svp US consumer Information Services XXXX XXXX XXXX SVP Chief  Compliance Officer XXXX XXXX XXXXXXXX XXXX XXXX CRCM VP/Sr Manager of Regulation and Compliance XXXX XXXX XXXXXXXX XXXX XXXX Senior Vice President Enterprise fraud/ID Theft XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX vice president chief legal officer XXXX XXXX XXXX TRANSUNION XXXX XXXX EVP Compliance and Litigation Transunion Corp XXXX XXXX XXXX Executive Vice  President Transunion Corp XXXX XXXX XXXX Director Fraud and Identity management Transunion XXXX XXXX XXXX XXXX Senior analyst consumer experiences Transunion Corp XXXX XXXX XXXX Director-Transunion Consumer Interactive Servicing Transunion Corp XXXX We feel these particular individuals have not assisted in making sure their respective bureaus are in compliance with the fair credit reporting act concerning my client. These individuals with be named in our pending lawsuit if the fraudulent information keeps reporting on their credit.