23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is an amendment to the complaint I filed against this company on XX/XX/XXXX. Complaint Number XXXX. I now have concrete evidence that this company does not care about rules or regulations and is simply out to get me. 

According to your own website, the complaint was sent to lending club on XX/XX/XXXX. I have already described in my complaint how I was the victim of identity theft, and I have filed a notarized affidavit and police report and submitted it to them. I did so in XXXX, and I submitted it to the collection agency they had originally sold this debt to in XXXX of 2017 as well as through the complaint I filed on your website which was submitted to them on the XXXX of XXXX. Well I just received a call from a new collection agency on XX/XX/XXXX called XXXX XXXX attempting to collect this same debt. 

After I received this call I immediately called my representative who is assisting me with all of this. I asked him to call the collection agency to figure out what was going on. He not only called, but the call was recorded as well and he gave me a copy of it. It seems that the representative he was speaking with said the account for Lending Club had been assigned to her office on XX/XX/XXXX. that was 7 days after I submitted my complaint to you and you forwarded the complaint to them! As of today, I see they still have not responded to the complaint, have not spoken with me, have not sent me any notices regarding this case, but yet they still have the gall to submit this account to another collection agency while this complaint is active? This is proof of exactly how they have been treating me for these last 8 months regarding this account. They don't care that this is fraud. They don't care that this account does not belong to me or that I never signed. They don't even care that they are breaking multiple collection laws or that you have been submitted a complaint against them with serious allegations. They continue to just try to collect this account without ever responding to any of the paperwork That has been submitted to them over and over. 

I know I am just one person, but I hope this complaint is enough to get you to act against Lending Club. They are being willfully negligent and careless and I am suffering the consequences for it.
Product: Money transfer, virtual currency, or money service

So I was buying {$260.00} of Ethereum off the site " coinbase.com '' on XX/XX/17 and after doing so, it said my money was pending for 3 days however I can accelerate the process by adding my ID in which I went to do however, their automated system could not read my ID and their system automatically locked me out of my account. I then proceeded to send them an email and call them in which they replied with they have " escalated '' the support ticket however after reading online this seems to be something they say alot and there are people that have been waiting MONTHS for a reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are incorrectly reporting that I am ( 120-180 ) days late on the USD/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) First, this account reports a {$0.00} balance and {$0.00} past due. Second, this account is currently being coded as an I5. This account should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove theis however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I attempted to file a dispute via email but the mailbox was full. 

I reached to customer service for an alternative email or process. 

I wasn't provided one. I was provided the same email and an invalid fax number.
Product: Credit reporting or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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

I signed up for a TD account offering a {$300.00} bonus for direct deposit requirements being met. I opened the account through the " Get Promotional Offer '' link. I have attached a screenshot of the offer. I fulfilled all requirements for the bonus, including direst deposits from my employer. However, TD has not awarded the bonus. This is a bait and switch scam.
Product: Vehicle loan or lease

I am being harrassed with phone calls for payments that have been made on time and proof provided and the creditor is telling us they do not have the payments. They are a severly mismanaged company.
Product: Credit reporting or other personal consumer reports

FOR APPROXIMATELY 10-12 MONTHS I HAVE REQUESTED MULTIPLE TIMES FOR XXXX/EXPERIAN/XXXX  TO PROVIDE PROOF OF ACCOUNT DETAILS WITH DOCUMENTATION. I HAVE DISPUTED THE ACCOUNT DETAILS AS IT IS AFFECTING MY CREDIT SCORE AND HISTORY. THE CREDIT AGENCIES ARE NOT FOLLOWING THE LAWS AS THEY CONTINUE TO VIOLATE MY RIGHTS UNDER FCRA. THEY HAVE MADE MULTIPLE CHANGES WHICH ALL HAVE BEEN INACCURATE, THEREFORE THIS ACCOUNT MUST BE REMOVED ALTOGETHER. 

XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX XXXX {$5000.00} DUPLICATE ACCOUNT AND I DO NOT HAVE ACCOUNTS WITH CREDITOR
Product: Credit card or prepaid card

In XX/XX/2018 I applied for a credit card thru PayPal. On XX/XX/2018 I received a letter indicating I must call Synchrony Financial ( XXXX ) to confirm my application. In XX/XX/2018 I received a phone call from Synchrony saying that my application had been denied and that a followup letter would explain why. 

By late XX/XX/2018, I had not received a followup letter explaining why I had been denied. I phoned the number above and was told that the letter was sent and was probably lost in the mail and they would sent another. In mid XXXX I phoned the number again to report that I still had not received the followup letter. They replied they had been having problems with the US Postal Service and they would re-send the letter. 

To date I have not received the promised followup letter and still have no idea why I was denied. I would like this issue resolved.
Product: Checking or savings account

I saw a charge on my i did not authorize at a hotel i contacted Citibank to let them know that it was unauthorized. They opened up a dispute not even 2 weeks later they wrote me a letter stating they cant help me and i will be responsible, why should i be responsible for a charge i feel they did not do a proper investigation because i DID NOT stay at any hotel they should reach out check cameras etc not just say your going to charge me without properly investigating. the amount of the charge is {$300.00} the date of the charge is XX/XX/XXXX i want a thorough investigating to visit a hotel you need ID i want to see what ID was used for this because it was not mine i am very upset Citibank does not investigate thoroughly when it comes to consumers money also i want to know what happened why is Citibank charging me for something i did not authorize or purchase also they didnt contact me or ask me for any proof they just went a letter stating that i can not prove that my debit card was not used when they didnt ask me for anything or investigate properly. I was not at a hotel and did not charge a hotel on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fallen victim to identity theft due to the XX/XX/2017 XXXX breach. This has taken a toll on my XXXX heath and it has caused me a great deal of frustration and anxiety.
Product: Checking or savings account

As a result of my previous complaint with CFPB, case # XXXX, I've received a letter dated XXXX from XXXX XXXX XXXX, HSBC Vice President, Head of Customer Relations, guaranteeing that {$750.00} Promotional Bonus will be deposited into my current saving account within 8 weeks from XX/XX/XXXX as long as {$100000.00} minimum requirement has been maintained since XX/XX/XXXX to XX/XX/XXXX. 
Although I have met the requirement and 8 weeks from XX/XX/XXXX ended on XX/XX/XXXX, the {$750.00} has not been deposited into my account
Product: Debt collection

I keep receives a letter from First National Collection Bureau , Inc. for debt collect.
Product: Credit reporting or other personal consumer reports

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is XXXX  upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Cares Act and the Heroes Act, XXXX XXXX XXXX ( Account # XXXX ) has violated my rights, XXXX XXXX XXXX reported 5 late payments on my Consumer Report ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). The reporting of the late payments are damaging and hurting me from purchasing a home for my family. 

Due to the current in place COVID-19 National Emergency, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) of the Cares/Heroes Act, requires creditors to report any account that had a payment accommodation applied to it during the Covered Period as " current '' to the consumer reporting agencies. At the time, I was on an accommodation hardship program with XXXX XXXX XXXX  starting XX/XX/XXXX until XX/XX/XXXX. 

The CARES Act protections require creditors to follow these guidelines for all agreements made between XX/XX/XXXX through 120 days from the date the COVID-19 National Emergency is declared over. The National Emergency has not been declared over as of this date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Bureau ( XXXX, TransUnion or XXXX ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report.

XXXX credit card account number ending XXXX As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, drivers license, W-2, rental agreement and a cell phone bill. I have also included a copy of my credit report with the account I am requesting to have verified. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 

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

On XX/XX/2016 I was contacted by a company called XXXX XXXX the contacted me more than a year ago now. I paid them {$2700.00} with my Discover Card to receive products through their distributor but once I paid I never got any products not even the brochures I was promised. What they showed me as a sample of the e-catalogue of products it was nothing even close to what I was selling, I was furious when I contacted my rep and demanded a refund. I told them what I wanted even gave them a sample and to this date my site still is not right. 
The reason for this complaint is they did not provide the products/ services I paid for and they took advantage of my ag. I was defrauded and deceived into paying this money, I ask you to please help me get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, XXXX XXXX XXXX XXXX charged off my personal loan on my credit report after I spoke with their legal department a few months prior about my financial hardships and the legal department stated that I had until XX/XX/XXXX to make a payment of XXXX dollars.
Product: Checking or savings account

Capital one closed my account when money was transferred into it there is XXXX and some change in the account and i have not recieved a check or the money transferred and the funds are legit and are from social security benefits that i get.
Product: Mortgage

The HAF department said they sent a payment XX/XX/XXXX and my morgage company saids they have not received it
Product: Money transfer, virtual currency, or money service

I engaged a XXXX XXXXr on XXXX with many followers and good reviews to send one of his products to me.

Provider then said to do the transaction on Cash App owned by Square/Block . Which has been reliable in the past and which CLAIMS to verify and maintain current accounts for all transactions and users. 
Transaction occurred.

Provider then started the scam and had extremely fake shipping URL and status sent to me.

Shipper " exists '' but is shady and their website is a typical fly by night template. I wouldn't have known this until doing the transaction.

They then said the product was stuck in police/customs, which it couldn't have been because it was a domestic shipment. Lies lies lies. THEN, they sent a message saying they were going to extort me out of XXXX dollars to " get it out of customs '' as if XXXX XXXX ever demands bribes. Dear lord they are stupid. 
They need to be investigated and given a felony for their practices, but that is secondary here. 
Then, realizing it was a huge scam, I went back to XXXX and told the person they were operating a scam ring. He of course denied it, but funny enough, shut down his profile and all comms with him on insta. 
So, I then told Cash App to refund my money, which they have a dedicated option for- obviously because they have a ton going through their XXXX system. 
They denied it after I explained all the above. 
They claim that they reimburse fraud because it is a simple retaking of the funds from the " verified '' users they have in the millions. 
Well, no. They said they won't touch it. 
To which I said they have to have those records and access to be a valid money handler. They didn't acknowledge such. 
I wrote again to complain and demand my money back. 
They again denied it with ZERO explanation. 
I then said I would be complaining to you and the FTC and looking for a lawyer. 
They have a fiduciary duty to handle funds and maintain CURRENT accounts. 
Which duty they have FAILED at. 
So, now I am formally complaining to have them brought to court just like XXXX. 
Either they shut down or they reimburse. 
I have more screenshots but haven't been able to find them yet. 
They can not be allowed to continue to enable fraud. 
It's an abomination.
Product: Debt collection

XXXX XXXX keeps sending this debt to different agencies after it was already disputed and removed off my credit report. They are illegally do this. Jefferson capital system is now reporting this on my credit report. Please remove it ASAP
Product: Vehicle loan or lease

In reference to United Auto Credit Corporation response to the previous complaint dated XXXX XXXX, I, XXXX : XXXX have continuously provided subsequent evidence of the matter involving the negotiable instrument ( payment ), that was received and recorded for the amount of {$6200.00}, dated XX/XX/2022. United Auto Credit Corporation has stated in response that I have not provided proof of payment from my banking institution, and this allegation is false. The negotiable instrument, ( payment ), that was presented and accepted by United Auto Credit Corporation, was given with clear instructions on what the presentment was and how to process the payment as Trustees over my Cestui Que Trust account. United Auto Credit Corporation had then provided a document of their " statement '' regarding what they claimed to be a reversed payment, however the transaction balance, ( loan amount ), reflects a balance of {$0.00}. Furthermore, United Auto Credit Corporation has not returned my payment, as requested, and it still appears on the account as the amount received. My question to United Auto Credit Corporation is how is that so? Moreover, the truth is United Auto Credit Corporation has continued to demand an alleged debt that is no longer owed upon the account because it had been properly discharged, dollar from dollar. According to 15 U.S.C. 1602g, We the consumers, are the original creditors. According to 31 U.S.C. 5118 You can discharge all debts and tender of payment does not have to be legal tender. The truth about United Auto Credit Corporation fraudulent lending practices and Trust Fraud in which they continue to engage, has to be brought to the light. All evidence involving the true settlement of this account is being forwarded to the State Attorney General, Federal Trade Commission, Consumer Financial Protection Bureau, anXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a hard inquiry on my credit report from XXXX XXXX  XXXX 

I have called the XXXX XXXX  twice to report fraud. I spoke with XXXX on the 1st call and the 2nd I spoke with XXXX. Both times they said they could not find nor verify the inquiry and both times they agreed to send communications to all the credit agencies to get this fraud inquiry removed immediately via electronic communication. 
I called and spoke with XXXX in the specialty fraud department at TransUnion. He was extremely rude and ask had I filed a report with CFPB and told him yes. I also told him there has been a " Fraud Freeze '' on my account since XXXX and that NO one can pull my credit or open an account without verification. I have also frozen all information on XXXX, XXXX, XXXX, XXXX, and XXXX. 
XXXX at TransUnion still was not willing to work with me on the removal of this fraudulent inquiry. I take my credit seriously and want this OFF my credit report as soon as possible. 
These credit reporting agencies are NOT Government Agencies! They are for profit. Their profit comes from banks & lending institutions to keep your score low as possible so they can sell your information to subprime/High-Interest lenders. BEWARE and fight for your credit!
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan opened with XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan opened with XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan opened with XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan opened with XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan opened with XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan opened with XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card opened with XXXX XXXX XXXX XXXXXXXX. on XX/XX/XXXX under the account number XXXX, a personal credit card opened with XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card opened with XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card opened with XXXX XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, a personal loan opened with XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, and a collection account opened with XXXX XXXXXXXX XXXX  opened on XX/XX/XXXX under the account number XXXX. I do not recognize the aforementioned accounts, or collections, as reported. The aforementioned accounts and collection appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and the collections, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX ( XXXX, XXXX, and XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, the collection, and hard inquiry are the result of identity theft and fraud.