23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX a charge was made in my name at a furniture store in XXXX, Illinois called “XXXX XXXX XXXX XXXX” in the amount of $XXXX. This was unbeknownst to me. As you will see in the attachment, I didn’t even live at the address that was used when this happened. The leasing company that found an approval for this fraudulent transaction was XXXX XXXX, which is located in XXXX, New Hampshire. My credit report says that this account was officially opened by XXXX   on XX/XX/XXXX while I was out of town working in XXXX, PA. Perhaps there was some sort of 6mo special that said no payments. I am not sure why that took a few months to show as “opened”. Even so, this account was not on my credit report until it went to collections in XX/XX/XXXX. I discovered this account when I did a credit report check on XX/XX/XXXX. I was of course shocked. This debt showed up under collections and the owner of this account was XXXX XXXX XXXX, located in XXXX, Mississippi. I called each company from XX/XX/XXXX-XX/XX/XXXX to begin a dispute process. XXXX XXXX sent me the identity theft affidavit to fill out. I got a police report filed on XX/XX/XXXX. I also opened a dispute with XXXX on XX/XX/XXXX.
Product: Credit card

I've consistently made sure that payments on this account are made on time, ensuring they are never overdue. I'm unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against XXXX XXXX  for Violations Related to a Fraudulent Checking Account Dear Sir/Madam, I am writing to lodge a formal complaint against XXXX XXXX regarding their attempts to collect a debt associated with a fraudulent checking account at XXXXXXXX XXXX . I believe their actions constitute a violation of permissible purpose under the Fair Debt Collection Practices Act ( FDCPA ). 

On [ XX/XX/2024 ], I was contacted by XXXX XXXX concerning a debt they allege I owe on a checking account that I did not open or authorize. This account is fraudulent, and I have taken steps to report the fraud to XXXX XXXX  and the appropriate authorities. 

My specific concerns are as follows : 1. **Fraudulent Account** : The checking account in question was opened without my consent, and I have no association with this account. XXXX XXXX has no legitimate claim to collect any debt arising from it. 

2. **Lack of Proper Notification** : I did not receive any prior written notice from XXXX XXXX regarding this alleged debt or its origin. 

3. **Unauthorized Access** : XXXX XXXX appears to be attempting to collect on a debt related to a fraudulent account, which raises serious questions regarding their permissible purpose to access my personal information. 

4. **Failure to Provide Verification** : Upon my request for verification of this alleged debt, XXXX XXXX has not provided adequate documentation proving their right to collect on this matter.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XX/XX/2023 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 card or prepaid card

PayPal Credit has a minimal monthly balance of XXXX. I contacted them said due to less bourse at work see if I can make monthly payments of {$200.00} a month they said the finance department would contact me and it shouldnt be a problem. For last months payment made payment of {$200.00} out of the {$310.00} due. This month said Im past due and my new balance is {$410.00}. They will not work with me Ill keep  getting deeper in.
Product: Mortgage

I have been trying to have the PMI from my mortgage loan removed since XX/XX/2022, and Dovenmuehle, who services my loan, has been providing me with misinformation, arbitrary dates, been unable to find my letter in the mail, claimed to have mailed me and faxed me information which never arrived, likely lost my appraisal that I paid for, claims to not received invoices/receipts that I emailed, etc. The list is so long that I've lost track of all the incompetence and lack of accountability. On my end, it just seems like they have been doing whatever they can, which is typically negligence, to not remove the PMI from my loan when I have in fact provided the necessary information that details substantial improvements to my home. I have spent hours on the phone with their reps, who provide me with arbitrary information, without any follow through on promises.
Product: Mortgage

Welcome XXXX XXXX [ Logout ] Case number : XXXX have not heard anything since XX/XX/XXXX and this lender is going to continue with foreclosure proceedings. I got a copy of a request for a stay of foreclosure that seemed like it said the company was going to help me keep my home but last week received a withdrawal of that request along with a statement that they intended to proceed with foreclosure. 
I have hired a lawyer XXXX XXXX and he intends to file for a motion for dismissal because I guess the lender and collector are n't supposed to work separately in Maine so what they are trying to do is illegal. 
In the mean time XXXX Bank of New York Melon is trying to foreclose on me XXXX is going to process yet another modification application to help me but I will probably just get another offer for XXXX + per month because the back amount owed continues to rise as I face uncertainty. 
I still maintain that XXXX XXXX XXXX said they were transferring my mod to XXXX and they would contact me if they needed information which they did not do until 3-4 months later when I finally received a bill which by this time was too high for me to catch up. 
I feel that these lenders took over my loan for pennies on the dollar as an easy target for foreclosure and an opportunity to re sell for full cost and triple their profit. 
These practices need to be stopped somehow. Did they not recently lose a lawsuit because of illegal practices? Do they even own my loan since it was a fallout from XXXX filing bankruptcy and illegally transferring notes to XXXX XXXX XXXX. 
I would like this investigated as well.
Product: Debt collection

It started with a charge from from XXXX. ( XX/XX/2015 ) I sent two phone back to them because they were damaged. I paid my insurance deductible and sent the phones back Via the postal backs they supplied. At first they said they got them, then they sent a bill for them as not turned in. For years we when over and over about this to where a XXXX XXXX bill is now XXXX XXXX dollar bill. 
The fact of the mater is that some miss place or taken the two phones we sent back.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit union regarding multiple overdraft fees I incurred. Despite having funds when transactions were authorized, I was charged fees due to lagged of posting of charges and credits. This issue align with the recent CFPB findings against Navy Federal Credit union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon receipt of my recent credit reports from XXXX, Equifax, and XXXX, Its apparent there still exist a Fraudulent account I discovered that was opened at XXXX XXXX ( acct # XXXX ) without my knowledge or authorization being reported negatively. This Account was opened as a result of identity theft/identity fraud. Ive subsequently filed a local identity theft police report and Federal trade Commission complaint regarding this matter. Ive properly notified Representatives at XXXXXXXX XXXX of this matter and have opened a Dispute requesting that they immediately close this Fraudulent account and to STOP the reporting of this INACCURATE, FRAUDULENT INFORMATION from my XXXX, XXXX, and Equifax Credit Reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX charged us twice for the same security equipment and erroneously provided statements with different due dates. We called and alerted them to this error and they changed the balance due to XXXX but still reported us late even though we were never late. When we called to complain it seems they closed the account with no explanation but did not remove the information about the false late payment. I have disputed this with the XXXX credit bureaus without success. You can also see this is happening with this company as it pertains to other customers as well. 

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

XXXX XXXX XX/XX/XXXX XXXX {$69.00} XXXX  XX/XX/XXXX XXXX {$240.00} 15usc1681 section 602a right to privacy 15usc1681 section 604a section 2 it also states consumer reporting agency can not furnish a account without my written instructions 15usc1681ca5 states no consumer reporting agency containing any of the following items of information any other adverse items of information other then records or convictions of crimes with attendants the report by more then 7 years 15usc1681s2a1 a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I had never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. Please provide proof that it's reporting correctly from the Courthouse and not a third party and delete if anything is incorrect, on my public records, collections accounts, paid accounts and late payments if not 100 percent right. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as " paid as agreed ''. I also read where I can get the updated report after you investigate this from the XXXX XXXX XXXX. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. Thanks. I was trying to take pictures of the areas circled and XXXX XXXX I put on my credit report and upload them but it wouldn't let me upload all of them saying some of the documents where oversized so I'm about to type the dates and amounts from each credit report which is all three reports. XX/XX/XXXX for the amount of {$270.00}, XX/XX/XXXX for the amount {$800.00}, XX/XX/XXXX closed, XX/XX/XXXX charge off for {$570.00}, XX/XX/XXXX updated XX/XX/XXXX then it say XX/XX/XXXX for {$350.00} and XX/XX/XXXX {$330.00} and XX/XX/XXXX {$310.00} and XX/XX/XXXX for {$300.00}. Moving on to the next XXXX XX/XX/XXXX it was sold {$630.00},. XX/XX/XXXX {$600.00}, XX/XX/XXXX {$2500.00}, XX/XX/XXXX {$480.00}, XX/XX/XXXX {$170.00}, XX/XX/XXXX {$770.00}, XX/XX/XXXX {$270.00}, XX/XX/XXXX {$570.00}, XX/XX/XXXX {$120.00}, XX/XX/XXXX {$630.00}, XX/XX/XXXX {$360.00}, XX/XX/XXXX {$600.00} written off and {$340.00} past due as of XX/XX/XXXX. XX/XX/XXXX for the amount {$34.00} XX/XX/XXXX {$2000.00}. XX/XX/XXXX {$130.00}. XX/XX/XXXX paid and closed. XX/XX/XXXX {$480.00}. XX/XX/XXXX {$170.00} XX/XX/XXXX transfer/sold XX/XX/XXXX {$430.00} XX/XX/XXXX {$630.00}. XX/XX/XXXX {$0.00}. XX/XX/XXXX {$360.00} XX/XX/XXXX {$2000.00}. XX/XX/XXXX {$480.00}. XX/XX/XXXX {$600.00}. XX/XX/XXXX {$570.00}.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  XXXX of Inquiry XX/XX/XXXX, XXXX  XXXX XXXX Date XXXX XXXX XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX  XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit card or prepaid card

Jet Blue Business card through Barclays Problem # 1 : Barclays introduced a new platform in XXXX 2021. Since that time I have not been able to set up on-line access to manage the business credit card. I have spoken to at least 50 representatives including the domestic security department, with no resolution. They are now asking me fax my driver 's license, social security card, and another form of identification. The last fax they provided went to an XXXX office. I have had the business card for over 5 years, they have all of my information from the original application process and I do not feel it is a secure way to conduct business. Each call to a representative occupies +/- 2 hrs., the entire situation has to be re-hashed with each rep. I have case # s and technical INC # 's and still no resolution. 

Problem # 2 : A XXXX refund was returned to the business account on XX/XX/2021. It has never been credited to the card. I was told I needed to file a claim with the dispute department. I submitted all of the requested information onXX/XX/XXXX. I am now being that since the original charge was XXXX XXXX the claim is too old and there is nothing they can do. I have called multiple times with the claim # and still no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

in XXXX of XXXX i bought a car from a mom and pop car dealership. by the time first payment was due the XXXX did no turn on and they reported THAT I MISSED A PAYMENT on XX/XX/XXXX which would be the ( 1st date of DELIQUENCY ) and I voluntarily repossession my car and they towed back to their yard. for all of XXXX and XXXX no one called me to collect money owed or nobody reached out. ( this company wont provide info that they tried to collect even after multiple attempts of asking them to prove and show any documents. then in XXXX XXXX XXXX put a duplicate account on my credit report so there was fraudulently 2 wrong accounts on my credit until XXXX when XXXXXXXX XXXX  sold the account to a collection agency THE XXXX XXXX they took me to court for {$11000.00} which was the wrong amount because they sold the car and i owed {$5000.00} and in court i proved that i didnt owe anything and the account wat settled in full and i have the paperwork. so, XXXX XXXX  is reporting negative false info on my account this account is satisfied in full proof is provided and it 7 years old and after 5 disputes they are still putting wrong info on my report and has failed to provide me with any proof or documents that i asked for which is my right under fair credit reporting. i want this removed!
Product: Money transfer, virtual currency, or money service

On Monday, XX/XX/22 at XXXX XXXX  a person had left my wife a message claiming they were with our local law enforcement, Warrant and Claims department and stating they were going to detain my wife for missing jury duty. They claimed she had gotten a certified letter in XXXX that she signed for, stating jury duty was upcoming. My wife call them back, claiming to be XXXX XXXX with the XXXX, MN police department. He had asked to transfer money over the phone otherwise my wife would be detained for paying as she had a warrant out for her arrest. Unknown to me, she was in the other room of our house dealing with this person, transferred from our Wells Fargo Bank account through XXXX, {$1000.00}. After 20 minutes of dealing with this person, she had me talk to them as they wanted to transfer money from XXXX next in the amount of {$1500.00} and trying to get a total of {$3500.00}. I talked to the person " XXXX XXXX '' and called his bluff, unknown to me she had already transferred the {$1000.00} through XXXX. I stated if he is a police officer how can he prove it... he said he would hang up and call from the main number at the police station. He called back 30 seconds later and phone number came up with the XXXX Police department. I actually started to believe him somewhat, but told him still not good enough. 
He was going to have my wife stay on the phone, record her mileage on our vehicle and drive to the XXXX, MN police station. He stated she could not go anywhere else, to stay on the phone and drive directly to the XXXX Police Station and she was about to. I told him, the police could come to our house and arrest her if this was true and told her to hang up, in which she did. 
I started a claim with our bank, Wells Fargo and filed a police report. Wells Fargo stated today, XX/XX/22 that the claim has been closed, they reached out to the other bank and was unlikely to get our money back. 
This is very upsetting that someone would push this hard and take money from hard working individuals and keep going on to the next person and do the same thing. There has to be protection out there for this. We have banked with Wells Fargo for 30 some years, have excellent credit and no records, even as far as a speeding ticket.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following unauthorized inquiries from my credit report. I am a victim of a data breach, and these inquiries were made without my consent. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that these fraudulent inquiries be removed immediately. 
Fraudulent Inquiries 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 XXXXXX/XX/XXXX
Product: Debt collection

The debt collection company CBE Group has been attempting to collect on a debt that is not owed by me. While I have received proof that the debt is real, it was opened by another individual with the same first, middle and last name as myself and I am in no way responsible for this debt. I have made the CBE Group aware of this via multiple letters, the most recent on XX/XX/XXXX, and they have refused to provide any evidence that it was myself, and not this other individual, who opened the account yet continue to claim I owe this debt. I have only received copies of XXXX billing statements listing the other individual 's name and home address, with continued demands that I pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to remove these accounts, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # 's XXXX ; XXXX ; XXXX & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$340.00} ; XXXX XXXX XXXX Balance : {$670.00} ; XXXX XXXX XXXX Balance : {$770.00XXXX XXXX XXXX XXXX  XXXX Balance : {$1100.00} ; XXXX XXXX XXXX  XXXX Balance : {$470.00} XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2600.00}
Product: Credit card or prepaid card

complaint # 1 : I closed my AMEX Hilton Honor account awhile ago because of the following poor service/amex employees lying/ and false information they saved to AMEX erp systems. Before I closed my account, I initially called to ask that the " close '' date to be changed to a certain date of each month. the customer service agent said not that the date requested of the XXXX but said could change it to the XXXX of each month. I agreed. However, I could tell soonafter that the " close date ' of my account enting in XXXX was changed to something else by logging into my account on amex 's credit card owner portal. I called AMEX again and the agent apologized for AMEX 's error. The agent confirmed to me the " close '' date for the account would be changed to the XXXX and admitted to and apologized for Amex 's error. I could tell soon later though that the close date was changed to something else by logging into my account on amex 's credit card owner portal. I called again and the agent apologized for AMEx 's error and promised the 'close date '' of my amex account would be changed to the XXXX of each month. but again when I went onto AMex 's portal for account holders the same error was being made and the 'close date ' of my amex account was not changed to the XXXX of each month! I went thru this 4 or 5 times. in the FINAL call back I made to amex, the amex agent stated the records showed in error andstated perjurious information that I agreed to the 1st of each month which is a total LIE!!!!!!!!!! So out of anger and frustration I closed the account. I strongly believe this aggravation by Amex, AMEx employee 's lying, and Amex employees intentionally entering false information may be because of financial inducement and/or other criminal activities done and/or threatened to amex employees by criminals who are targeting me, my home and all my other properties I own. <end of complaint # 1> ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... <start of complaint # 2> complaint # 2 : I requested via a letter Dated XXXX XXXX to amex to re-open the account but under the condition that the account have a close date of the XXXX per each billing cycle!!! I finally got a letter today ( XX/XX/2022 ) dated XX/XX/2022 to call XXXX customer service to " assist you ( jye ) further '' with request for " account Reinstatement ''! when I called the phone # though after giving out information that I think they should have already the agent stated the account could not be re-instated afterall!!!! Why did the Amex send such a letter if that was the case and just state that I would need to apply for a new account! <end of complaint # 2>
Product: Vehicle loan or lease

XX/XX/24 XXXX Driveway Financial called me 4 times in one minute. When I answered the phone the representative argued with me about the amount of my payment. The amount of the monthly payments being made is more than the amount due each month. The representative was arguing with me saying that I was paying less. 
Driveway Finance Corporation XXXX XXXX XXXX XXXX, XXXX OR XXXX