23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The debt collector XXXX XXXX I, XXXX, communicated with me without first sending written notification of the debt, which should have legally included the official name of the creditor, the alleged amount of debt owed, and a notification that the debtor has the right to dispute the debt in question. The debt collector communicated with me using my email address, telephone number, and text number, yet they never offered me " any '' method to opt-out. The incessant phone calls were made in an attempt to harass and intimidate me into paying a debt that has never been validated and which I believe is the result of identity theft- which I have been a victim of at least twice in the past 10 years. The company violated the XXXX rule by making repetitious harassing and threatening calls to my phone during a seven-day period. The debt collectors made false claims, including but not limited to the fact that they worked for XXXX Bank  and that I must provide my DOB, address, and social security number to verify my identity before they could discuss the debt with me. 

During the first week of XX/XX/2024, I received a form letter in the mail from the law office of Andreu, Palma, Lavin & Solis, PPLC, XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX. This form letter stated that a lawsuit had been filed ( Case # XXXX ) and notified me that I was being offered a resolution proposal for {$2400.00} in connection with File # XXXXIt is my understanding that the debt collectors actions described in this complaint violate provisions of the Fair Debt Collection Practices Act ( FDCPA )
Product: Payday loan, title loan, or personal loan

I applied for a loan at this company around the end of XXXX and was approved for {$960.00}. I had XXXX more payment of {$270.00}. XXXX payments have already been deducted from my XXXX  account. I called XXXX minutes ago to speak to an agent and I stated that I have more more payment of {$270.00} and she tells me no, you have a total of XXXX payments totaling over {$2000.00} No maam and I need to speak with a supervisor but they all are busy. 
THIS IS STEALING and extortion. 

PLEASE HELP ME.
Product: Consumer Loan

Flagship Credit Acceptance is not withdrawing money to pay my auto loan and they keep sending non payment emails to me. I have checked with my bank ( XXXX ) and they have had no request from Flagship to withdraw the money. 
Flagship will also send me confirmation that money has been received but it was never removed from my account. 
I have been trying to pay off the loan in full and receive the title but have been unsuccessful.
Product: Credit reporting or other personal consumer reports

I have a fraud complaint against me on credit report and accounts whit XXXX  XXXX and XXXX for {$740.00} I can't access my info in those accounts I see the account number for a moment and the email was XXXX whar I remember because can't access again to the account
Product: Credit reporting or other personal consumer reports

I'm not sure why this matter is being unaddressed. In my last complaint I provided proof that Equifax, XXXX, and XXXX, were well beyond their allocated deadlines. I first filed a dispute claim in XX/XX/2022 to no resolve. I provided the email in which the companies told me that the investigation was complete and deemed the information valid. I don't understand why your response to me was " They're still Investigating '' as if they clearly had more time. The time spam from XXXX to XXXX is 12 months last time I checked, not 2. Can you please look further into this matter and provide a non-bias solution? If more documents are needed please let me know. If you're follow up response is that they're still investigating please provide a reason why the time frame to respond is being giving special priviledge in this matter.
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 : # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDNELNET # XXXX, DEPTEDNELNET # XXXX, DEPTEDNELNET # XXXX, DEPTEDNELNETXXXX DEPTEDNELNET # XXXX, DEPTEDNELNET # XXXX, DEPTEDNELNET # XXXX, DEPTEDNELNET # XXXX, DEPTEDNELNET # XXXX, DEPTEDNELNET # XXXX, DEPTEDNELNET # XXXX, DEPTEDNELNET # XXXX, DEPTEDNELNET # XXXX, DEPTEDNELNET # XXXX has violated my rights. 


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.

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

15 U.S.C 1681 Section 604 A Section 2 : Il 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. 16813-2 ( 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 or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report, Please remove these accounts from my report, they are hurting my ability to obtain credit. 

THE BUREAUS Account # XXXX
Product: Credit reporting or other personal consumer reports

I am aXX/XX/XXXX The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XX/XX/XXXX# XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XX/XX/XXXX -- {$16000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX OF XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX & XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I was given an American Express, " AMEX '', Prepaid Gift card as a " cash '' prize for a notable sum of money. I was given it in the form of a url. I have no account information, no password to protect the card, just a link that tells me everything about the card. I also was not asked to register a name or billing address, just told to use my normal information. 

Upon trying to use the card, I was rejected at nearly all modern major retailers I tried online. In particular, XXXX and XXXX, both of whom specifically list American Express Prepaid Gift Cards as acceptable forms of payment, were not able to complete transactions with the card. Additionally, in person at an XXXX store the card was denied when used via XXXX XXXX XXXX. I called each service and spoke with a live support agent who said that American Express was rejecting the transaction. 

Other sites I recall that don't work are XXXX and XXXX 

A common theme is that if an online retailer asks for the address, the transaction usually fails. American Express support strongly emphasizes I need to use vendors that request the expiration date and pin, despite all online vendors already doing that, and it seeming to make no difference. 

As for in-store transactions, as I said above, XXXX rejected it, but grocery stores ( Such as XXXX XXXX, a XXXX chain XXXX and most food service places accepted it. Since I received the card I have moved states, and at first it seemed that in-store transactions continued to work. But, about a week after moving states, the card is now rejected everywhere I have tried, despite me not changing anything with the card in my XXXX XXXX  app. It worked at XXXX ( another XXXX chain ) two weeks ago but not is consistently " Not Approved, '' XXXX rejects it outright. Local mom & pop restaurants all reject it. 

MOST IMPORTANTLY : American Express customer service has provided no meaningful support. They read off a script and tell me what it says online, and tell me if the card doesn't work then I should blame the retailer. They offer no solutions or alternatives. In the weeks I have tried working with them, their phone support has been redesigned in an attempt to prevent speaking with an agent. Instead, they offer automatic prompts that ask me to press a number, and none address my question. They only offer to read me a balance, list answers to pre programmed questions that don't remotely address my issues, or they redirect me to the online support, which then redirects me back to the phone system. I am now only able to reach an agent by reporting my card stolen as if it's a physical card ).
Product: Debt collection

On or about XX/XX/2017 a lian was taken out in the name of XXXX XXXX. This was then tied to my social security number due to identity theft. This has been stated to opportunity financial. They are now suing me for a debt that was challenged as identity theft. Loan was applied for online in what appears to be Iowa. Loan is not in my legal name. Loan is past the statue of limitations in TN. I strongly urge opportunity financial to assist with marking this as identity theft as other items on my report have been.
Product: Checking or savings account

Ordered some items from XXXX and they never arrived Wells Fargo gave me my money back and then a month later reversed the provisional credit in my account making me go negative and I still do not have the items that were so supposed to be here Months ago
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate and verifiable credit information. I need that you eliminate these accounts because they are reported wrong and they are not mine. You should corroborate your information and remove these accounts. Can you please let me know how you verified this information? Now if it was just a clerical error ( which does happen all the time ) then this is your chance to fix that error. DELETE the accounts below : XXXX XXXX, XXXXXXXX XXXX  XXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX  XXXX Bankruptcy Reference # : XXXX XX/XX/2018 Asset Amount : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account number XXXX Date opened - XX/XX/2020 Balance - {$8400.00} never open this account, this account is fraud.
Product: Checking or savings account

I got an email at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX from Bank of America saying that I'm enrolled in Online and Mobile Banking. I tried to call multiple times this afternoon and couldn't get past the automated system and talk to a person because I do not have the account information. I tried to call the number from the email : XXXX and the number on their site : XXXX. Both were automated and only accepted the preprogrammed responses and had few options. I did not see an email I could contact them with and the email they sent was through this email address XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I applied for a credit card at XXXX  XXXX XXXX on XX/XX/XXXX and was rejected because of three negative accounts ; XXXX  XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, XXXX  XXXX opened on XX/XX/XXXX, but they do not belong to me and I never approved anyone to open them under my personal information. My personal belongings were stolen from my house on XX/XX/XXXX which included my Driver 's license and Social Security card amongst other personal items. I filed a report with CFPB already along with a police report with the XXXX Police Department and its an ongoing investigations, no arrest have been made yet. I need these accounts removed from my credit report as soon as possible because I am interviewing for a job and Satisfactory Credit history is needed. I never received any goods, money or services from these accounts. I also never authorize any bank to check my credit much less add accounts to it. My identity was stolen and I already contacted all the banks/accounts subject in this Identity Theft. All statements are true and correct without any omission of facts, to the best of my knowledge Please attach the follow documents to my dispute request.
Product: Debt collection

I am writing to file a complaint regarding the loan agreement that I signed with your company. I have been subjected to predatory lending practices, specifically with regards to the lack of disclosure surrounding the inclusion of insurance in the finance charge, the illegality of the required down payment, and the inadequate cost disclosure of the credit transaction. 

According to the Truth in Lending Act ( 15 U.S.C. 1605 ), lenders are required to disclose all finance charges associated with a loan. However, when I received my loan documents, I discovered that the insurance was not included in the finance charge. This lack of transparency has resulted in me paying more for the loan than I had anticipated. 

Additionally, I was required to make a down payment, which I later found out was illegal under state law. This lack of disclosure regarding the legality of the down payment is unacceptable and has resulted in me being subjected to predatory lending practices. 

Moreover, the contract was not clear and lacked conspicuous disclosure, as required under the Truth in Lending Act ( 15 U.S.C. 1601 ). As a result, I was not fully aware of the terms of the loan and the associated costs. 

I demand that you provide me with a full refund of the finance charge that was not properly disclosed in the loan agreement, as well as a refund of the illegal down payment. Additionally, I demand that you ensure that all future credit transactions are offered with adequate cost disclosure as required by law. 

Please be aware that I will take further action if this matter is not resolved in a satisfactory manner. I expect a prompt response from you regarding this issue.
Product: Credit card or prepaid card

On XX/XX/2019, I received a promotional offer to my XXXX account, XXXX from XXXX, titled : Explore More : Score XXXX Bonus Points. In the body of the message, it states : XXXX, earn 75,000 bonus points with the Marriott Bonvoy Boundless Credit Card when you spend {$3000.00} in the first three months from account opening. 

This message was received on XX/XX/2019 at XXXX XXXX, I then clicked on apply and applied for the card after receiving this e-mail. I spent over the {$3000.00} amount, and in XX/XX/2019 I called chase to ask about my rewards points. The chase representative told me I should receive them in XXXX. By XX/XX/XXXX I still had not received my points, so I called again, and was told by chase that they would issue a request to the marketing department to see if they can switch my promotion offer. Apparently, my 75,000 bonus points offer was never applied to my account, and some other promotional offer was on my account instead. The representative said I should receive a letter in 1 week explaining the decision. 

It is now XX/XX/2019, and I have never received the letter. So I called Chase again, and was told over the phone, that chase marketing has decided to deny my request, as : too much time has passed. 

Chase has failed to correct this situation, and I could use help from the CFPB to resolve this matter and ensure it does not happen again to other people. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer and natural person, am aware of all the rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act. XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable. XXXX XXXX illegally obtained personal and private information and sold it to other reporting agencies, including Experian, XXXX, and XXXX. I did NOT grant XXXX XXXX permissible purpose to obtain the information and report it, nor did the debtor. I have not been notified that this information is being provided to the highest bidders. 

As the consumer and natural person, I am invoking specified remedy and make the following demands : Cease and desist reporting of the account name filings to all consumer reporting agencies.

Remove reporting of the account name filings from all consumer reporting agencies.

Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA.

I have tried fixing it with credit bureaus several times. PLEASE DELETE
Product: Debt collection

I am writing in response to the communication I received from Transworld Systems Inc. regarding an alleged debt associated with Account # [ XXXX ]. According to Title 15 USC 1692a Congressional findings or declaration of purpose, you are hereby informed that as a result of your fraudulent practices with the intention to cause harm, I have suffered mentally as well as financially. Your company and its agents are harassing me for an alleged debt that was not properly verified.Your company shared statements as well as a copy of a consumer contract as evidence of the debt but as per the judgment in the case of Pacific Concrete F.C.U V Kaunance a copy of the consumer contract is not sufficient evidence of the debt. 
I received your notice dated XXXX XXXX, which included documents purporting to support the validity of the debt in question. However, I find that the information provided in your communication is insufficient to establish that I owe a debt to Transworld Systems Inc. In fact, your company 's name or any reference to Transworld Systems Inc. is not mentioned anywhere in the documents you provided. 
As per 15 U.S.C. 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Product: Mortgage

My mortgage loan is a federally owned XXXX XXXX loan brokered through PNC. I tried to invoke payment deferral under the CARES Act. I went to their website and filled out a form requesting CARES ACT mortgage payment deferral assistance. I never consented to the plan they have put me on either verbally or in writing. I received notification in the mail shortly thereafter misrepresenting the payment plan I requested. The paperwork they sent in response to my request for Covid related financial hardship assistance claims that I gave verbal consent to a totally different plan. I never spoke to anyone on the phone about this plan before receiving this paperwork. I worked hard to find the correct Covid specific financial hardship request form as it was buried under multiple pages on their site. I have spoken to them multiple times trying to resolve this matter. I have not consented to this plan in any way, verbal or written. 

PNC is refusing to issue me the appropriate paperwork to correct their mistake and sign me up for a 12 month consecutive payment deferral per the CARES ACT. I have requested paperwork for the 12 month payment deferral plan, and instead they either send me paperwork for a different forbearance plan ( usually regarding a balloon payment ) or tell me on the phone that I will have to wait until XXXX to get more information and that they simply do not have enough information to assist me. When I was on the phone with a representative today I was told that I had to listen to them read to me a list of my options. When I said that I want the option that they did not read, the representative said, yes that is an option too. When I asked why I was not read that as an option, she simply said " I am XXXX. Things are changing every day. '' It appears as though PNC is willfully misleading consumers into thinking they do not have the rights that they actually do under the CARES ACT and are not in compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I contacted portfolio recovery to pay an old account off to have removed off my credit report. When paying it they told me it would be removed off my credit report. Still showing on my report and it been over 10 business days since Ive paid this off. Remove please but while I was talking to her she kept referring to another account that I told her wasnt mine and she kept trying to get me to agree to paying an account that wasnt/isnt mine. Now there is a new account being reported on my credit report for an amount of $ 1000+. Not my account and have no documentation of this account. I need this removed immediately along with the other account that I paid {$380.00}. Remove!!!