23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XX/XX/2019 {$780.00} XXXX XXXX XXXX XX/XX/2019 {$780.00} XXXX XXXX XXXX XX/XX/2019 {$540.00} XXXX XXXX XXXX XXXX received a Fraud alert text message form Citi Fraud alert on XX/XX/2019 @ XXXX XXXX   regarding attempt of purchased for {$200.00} at XXXX. that how i know my credit card was compromised, I called citi fraud @ XXXX to report fraud. XX/XX/2019 I got a letter form citi security Operation that they try to contacted me by phone and email was unsuccessful, ( I have not received any phone call or email at all ). I have 10 days to call them back with additional information needed. 
I called Citi Security Operations XXXX on XX/XX/2019 talked to fraud investigator that handling my account, they need my time sheet and phone record to proof that i was not out of the country, I did email informations requested to XXXX. I called again on XX/XX/2019 to confirmed if they have received my email, I talked to the fraud investigator that handling my case her name is XXXX, " base on information I provide, they did not consider these transaction were fraud because I have the credit card in my procession the card was build in with security chip it can not be counterfeit " on the same day XXXX have requested more informations such as passport, I did email her all pages of my passport on XX/XX/2019 Now I am concerned my passport number is not safe, XXXX said she will talk to her superior but at this time she not consider this is FRAUD., I called back again and Letti was not there and they don't let me talk to a different investigator, XXXX called me back and said the decision is stand and the case is closed, I have to be liable for all the charges.
Product: Payday loan, title loan, or personal loan

I borrowed a total of {$4000.00} in the Covid pandemic due to financial hardship and poor credit and had just lost my job. I was taken advantage by TitleMax Title Loan in XXXX TN they gave me this loan after luring me in not making me aware of the 330 % interest rate on this loan over 12-36 months the payment alone was over {$500.00} a month on this loan I fell behind even worse and couldn't make the payments and defaulted on the loan they never made any contact with me or attempted to help me with arrangements or any kind of relief to due to the hardship caused by covid pandemic. Then on XX/XX/2022 I was harassed and stalked by a repo man who was waiting outside my apartment complex and followed me everywhere I went and I went into the store and he was waiting for me at the door broadcasting my name and my business and that he was repossessing my car and he already had it hooked up on the truck without warning or anything he told me they have been stalking and harassing my family members and all known addresses even stalking my credit report and post office to get my address to repo my car I called them and they were smart and rude and weren't willing to help me or work with me said they wanted {$5700.00} to get my car back now or they would sell it now I have lost my job again fixing to be evicted and have no car to find another job to be able to pay my bills and live. I would like to be included in any and all class action lawsuits against them for luring people in with these outrageous interest rates and for damages I have incurred do to this matter and for taking my car for no reason and without warning or attempts of any kind to fix this matter before this happened they are crooks and should be in jail for the way they cheat and scan people in this recession.
Product: Credit reporting, credit repair services, or other personal consumer reports

I continue to get hard inquiries from XXXX XXXX XXXX company after continually contacting them and not getting the problem resolved. XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian, XXXX, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
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 an 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 or 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Subject : Request for Assistance with Credit Report Issue Involving XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to seek your assistance regarding a critical issue with my credit report involving XXXX XXXX XXXX, specifically related to my home loan. 

My name is XXXX XXXX XXXX, and I reside at XXXX XXXX XXXX, XXXX, XXXX, XXXX. My contact number is XXXX, and the loan in question is number XXXX. 

Currently, I am in the process of selling my home and purchasing a new one, primarily due to the high interest rate on my existing mortgage. In this endeavor, I have been collaborating with the Loss Mitigation department and the VA, diligently following a mutually agreed-upon plan. However, I have encountered significant discrepancies in my credit report. 

Upon review, I found several derogatory marks and an erroneous listing indicating a missed payment for the previous month, even though I have made the payment. This error is detrimentally impacting my credit score, hindering my ability to secure a new mortgage for another home. Without resolving this issue, I risk defaulting on my current mortgage. 

In light of these circumstances, I am reaching out to the CFPB for support in rectifying these inaccuracies with XXXX XXXX XXXX. Your intervention is essential to ensure my credit report accurately reflects my financial conduct and assists in my housing transition. 

For reference, the contact information for XXXX XXXX XXXX Mortgage Assistance Department is as follows : - Phone : ( XXXX ) XXXX - Email : XXXX - Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX - NMLS # XXXX - Website : XXXX I appreciate your prompt attention to this matter and any assistance you can provide. Please feel free to contact me for further information or clarification as needed. 

Thank you for your time and support. 

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

I have been sending letters for months now and have not receive any response from the bureaus. Not one letter in the mail.This is so unfair the way I'm being treated. They operate any way they want to.
Product: Debt collection

I was contacted by I.C. Systems, Inc., a debt collection service regarding an unpaid XXXX bill in the amount of {$2300.00} for a XXXX XXXX. I do not know who this person is and is not me and after explaining to I.C. Systems, Inc., this was not me, they said they were aware of this and demanded I pay anyway. I was told I was chosen because they thought I would give in and pay and had good credit even though I was not XXXX XXXX. Further, the bill was not even for a state that I have ever lived in and I have never had a XXXX account. They did not care and threatened me with damaging my credit by notifying the credit bureaus and that they stated they knew they could not sue me as I could prove my identity. All calls stopped after I refused to pay for some other unknown party and they marked my credit report. I tried to dispute but they refuse to remove even knowing that this is not my debt nor anyone I have ever known or met in my life. This is true abuse of their position.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, I find from XXXX XXXX that I have an inquiry from XXXX XXXX done me on XX/XX/XXXX XXXX. I have not authorize XXXX XXXX to do an inquiry. They do not have verbal nor written permission from me to put my credit report on XX/XX/XXXX. The time I given to them was in XXXX to open up one. I do not want them to put my credit report without my written or verbal permission. That is illegal plus unlawful. Plus it is lowering my credit. I want them to notice Equifax and get that unlawful inquiry off immediately. I would like for this to go public so everyone will know that they are pulling credit report unlawfully. 
I call Equifax today and was told that I have to call XXXX XXXX and have it remove. They ( she ) would not even investigate. Therefore, the company ( Equifax ) is sent out incorrect information. She told me to call XXXX XXXX myself but yet you are send out incorrect information. They will not be able to produce a written or verbal conversation where I given them permission in XXXX to pull my credit.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> Ive sent {$3000.00} to an individual by the name of XXXX XXXX for a purchase of a watch. One transaction for {$2900.00} an another one for {$100.00} thru XXXX. He told me to send it to his wifes account by the name of XXXX XXXX. XXXX account was ( XXXX ) Shortly after all communication stopped and never received anything. Have emails and documents. He hacked two separate accounts and was able to try to sell this online.
Product: Credit card or prepaid card

I paid off my credit card bill with Bank of America with the paid in full option on XXXX of 2022. I got a letter a few months later saying I needed to make a payment, they had added some charges on to the bill and said they would collect a late fee. I called and spoke to a representative and then they said they would waive fees. I got an email notice this month in XXXX that I still had a balance due and tried to log on. Somehow I had an over XXXX balance. I am not able to log into the account even having the proper credentials. I changed the password and then I will still am unable to log into the account. I am not sent statements and I am not able to log on to see the balance.
Product: Credit reporting or other personal consumer reports

require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 
Company information. XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX is reporting that I was 30 days late in XXXX but I have an autodraft from my account every month. I have never been late, and would like for them to remove the 30 day late payment from my report, as it's been reporting as false.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I received a letter from CARMAX AUTO FINANCE accusing I of an alleged debt with an fictitious name attached. 

Definitions from XXXX XXXX Dictionary 3rd edition : 1. Person- An individual or an organization. An individual man, woman, or child or, as a general rule, a corporation under the negotiable instrument law, an individual or a body of persons whether incorporated or not. 

The word person in legal terminology is perceived as a general word which normally includes in its scope a variety of entities other than human beings. See e.g. 1 U.S.C. Sec. 1. Church of Scientology v. U.S. Dept of Justice ( 1979 ) 612 F. 2d 417, 425.

2. Straw man- A dummy. An irresponsible bondsman or surety. One made to appear as the owner of record who in fact holds title for another. 

Per the constitution, ( Article VI ) The senators, representatives before mentioned, and members of several state legislators, and all executives & judicial officers, both of the United States & of the several states, shall be bound by oath or Affirmation, to support this constitution : Violations 18 USC 1341-Frauds & Swindles 26 USC 1275-other definitions & special rules 12 USC 5512-Rule making authority 15 USC 1637-opened consumer credit plans 15 USC 1666b-Timing of payment ( You cant treat any payment as late ) 12 CFR PART 1026-Truth in lending 15 USC 1666a-Regulation of credit reports 26 USC 6304-Fair Tax collection practices 15 USC 1666d-Treatment of credit balances 15 USC 1692c-Communication in connection with debt collection
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint against TransUnion regarding failure to investigate. Per the email I received from CFPB Headquarters I was advised to submit another complaint before Im scheduled for my walk in appointment next Wednesday in DC. I have submitted multiple disputes with TransUnion regarding this fraudulent account on my credit file. TransUnion has told me several times that they only rely on whatever the creditors tell them and dont investigate beyond that. I am a victim of identity theft and the fraudulent medical bill on my account does not belong to me. TransUnion has refused to conduct an investigation. They just update the date on my credit report and type in Meets FCRA requirements as an attempt to pretend like they are investigating. I have requested a contract with my signature on it and proof that this fraud medical bill belongs to me. They have not been able to provide me anything and continues to rely on the false information that they are getting from XXXX XXXX. The willful and intentional negligence has been ongoing and TransUnion has failed to follow FCRA guidelines. The XXXX XXXX XXXX response from Transunion specially says they rely on whatever the creditor says. Documentation sent via email along with everything that Ive been thru since becoming a victim of Identity theft and how Transunion has failed to correct the fraudulent information and willfully neglected to do their job.
Product: Checking or savings account

I received an email from Wells Fargo to my business email informing me that my new account was open and the statement was ready to be viewed. I do not have a wells fargo account or did I open one. I called the bank and after an hour on the phone they would not tell me the name or anything about this account. They then told me they would return my call within two business  days.This was Thursday XX/XX/XXXX. They did not return my call so I called them today XX/XX/XXXX. I got the same runaround saying I did not have an account after being sent around to numerous departments. The email has some of the numbers x out and the last four as XXXX. The employee informed me it was a phishing email and the phone number listed was not one of theirs. He asked me to send it to XXXX. The problem is this employee lied to me! The number XXXX is a listed Wells Fargo number.This seemed very suspicious to me that he would lie to me. It seems they are not telling me the truth. I need to verify that some kind of a account has been opened without my consent.
Product: Credit reporting or other personal consumer reports

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX I sent an inital complaint dated XX/XX/year> with the inaccuracies that are being reported differently across XXXX and XXXX . They ( XXXX XXXX XXXX ) received that letter with certified returned receipt on XX/XX/year>. Their response was a " canned '' response that all is well and they are reporting out accurately. A second letter was sent today ( XX/XX/year> ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law.

This debt collector has no contract with me. I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 1681.

I am putting you on notice that I the consumer refuse to pay this debt under the fdcpa : ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except **Violation of FDCPA : ** The notice fails to provide verification of the debt as required by 15 U.S.C . 1692g. I have not received any validation or verification of this debt despite previous requests.

**Misleading or Deceptive Practices : ** The language used in the collection notice could be perceived as misleading or deceptive under 15 U.S.C. 1692e. It does not clearly state my rights to dispute the debt or request verification.

Under the FDCPA, I am entitled to verification of this debt and to dispute its validity. Therefore, I request that you provide me with the following information promptly : - Verification of the debt, including proof of the amount owed and the original creditor.

- Documentation showing that your agency is authorized to collect this debt.

Please note that until proper verification is provided, I dispute the validity of this debt and request that you cease all collection activities, as required by 15 U.S.C. 1692g ( b ). Any further collection efforts without providing the requested verification will be considered a violation of the FDCPA.

Please respond to this dispute within 30 days from the date of this letter. Your failure to comply with the FDCPA may result in legal action being pursued against your agency.
Product: Credit reporting or other personal consumer reports

I am not connected to the mentioned creditors, and these inquiries are not mine.
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. 
XXXX 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 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
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding the inaccurate reporting of my XXXX XXXX by XXXX to the credit bureaus. My XXXX XXXX have been in forbearance since XXXX XXXX XXXX, and I have emails from XXXX to prove this fact. 

Despite providing evidence of my loans being in forbearance, the credit companies are reporting incorrect information. This has negatively impacted my credit score, and I believe that this inaccurate data should be deleted in accordance with the Fair Credit Reporting Act. 

I have attached copies of the emails from XXXX confirming my loan forbearance for your reference. I am requesting that the inaccurate information be immediately removed from my credit report to reflect the true status of my loans. 

Thank you for your attention to this matter. I look forward to a prompt resolution to ensure the accuracy of my credit report.
Product: Debt collection

Found this on my credit report and email company for a verification of this debt which would not be provided for months no I'm disputing this account to be removed on all my credit reports
Product: Credit reporting or other personal consumer reports

I am a victim of ID theft and I have inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently turned XXXX and I just got a hold of my credit report and I see a lot of items that I do not recognize. I do not know what this stuff is XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX, NA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am victim of identity theft, and I did not make or authorized these charge ( s ). I request that you remove the fraudulent charge ( s ) and related finance charge and other charges from my account. After that has been completed, please send me an updated copy and accurate of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

ILLEGALLY WITHDRAWING FROM MY ACCOUNT AFTER THEY BEING PAID OFF.XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report XXXX XXXXXXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report. XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$920.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$840.00}.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block , Inc ) due to inadequate customer service and unfair practices, wich violate the Consumer Financial Protection Act ( CFPA ) .Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.