23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Hi. I made a {$200.00} on XX/XX/XXXX to XXXX XXXX  to purchase a ferret from his website furryqueens.com. He later said he didnt receive the payment and asked for proof, I sent him proof. He sent contract and I signed, and was supposed to ship the ferret today. He emailed me and said that I would have to pay {$500.00} for an electronic cage for him to be shipped overseas. The website said theyre based in Texas.. And I dont need to purchase an electronic cage. Its sad and ridiculous someone would just take someones money when I was buying that for a XXXX gift for my daughter who has been battling XXXX. I requested a refund and XXXX XXXX declined it. I told cash app about this and they said there is nothing they can do about it and that they can not help me any further. I have contacted them XXXX and they say the same thing. Both myself and the scam artist I sent my money to use cash app. I dont see how they can not do anything about it being that this is completely 100 % a sad situation that I got scammed.
Product: Credit reporting or other personal consumer reports

This is to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. 
Please note that pursuant to the FCRA611, I am requesting a reinvestigation of the accounts listed below. Did you even investigate? There is no way you did because the information reporting is inaccurate. I have thoroughly reviewed and there's no way you did, otherwise you would have DELETED the false information below like the law states you must do. 
Please investigate the following accounts listed below as it is inaccurate and damaging my credit. 

XXXXXXXX XXXX XXXX XXXXXXXX {$6200.00} XXXX XXXX XXXX XXXX {$2200.00} XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX {$1700.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX {$1400.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) {$1400.00} XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX ) XXXX {$1200.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX {$550.00} US DEPT ED XXXX {$0.00}
Product: Debt collection

I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX  XXXX XXXX XXXX XXXX, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt. 

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably. 

With that, my demands are as follows : XXXX. You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; XXXX. A settlement agreement that I may retain for my records. 
XXXX. Monetary compensation in the amount of {$1000.00}. 

While I do not desire or anticipate that your negligence may force me to pursue further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 

Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened a target red card and used it in my name, and target refuses to do anything about this situation or remove this from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX Balance : {$10000.00}.
Product: Checking or savings account

I DEPOSIT A CHECK FOR A FRIEND AND GOT CASH. THE CHECK WAS WAS ALTERED/FICTITIOUS. I TRIED TO CONTACT THE FRIEND BUT HE NEVER ANSWERED THE PHONE NOW I HAVE TO PAY HE NEGATIVE BALANCE.I KNOW THE FRIEND FOR ABOUT A YEAR. THAT IS THE REASON THAT I HELPED HIM. I LEVE IN XXXX BUT I DONT KNOW THE ADDRESS.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the immediate blocking of fraudulent information on my credit report under the protections granted by 15 U.S. Code 1681c-2A. 
I recently discovered unauthorized or fraudulent accounts and/or inquiries on my credit report. These accounts were established or attempted without my knowledge or consent and are the result of identity theft. Specifically, the disputed items are as follows : XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX In compliance with 15 U.S. Code 1681c-2A, I have enclosed the following documentation to support my claim : A copy of a valid driver 's license A copy of a police report or FTC Identity Theft Report ( FTC Report XXXX : XXXX ) Under the statute, you are required to block the reporting of information that is the result of identity theft within four business days of receiving this notification and the accompanying documentation. I kindly request written confirmation that the disputed information has been blocked from my credit file. 
Additionally, please provide an updated copy of my credit report reflecting these corrections once the fraudulent information has been removed. 
Thank you for your prompt attention to this matter. If you require any further information or documentation, please contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$140000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX
Product: Debt collection

I was not informed that I can dispute this debt, I tried multiple times to settle this with no response from the collection company. I was never informed I can dispute this debt, nor was I informed that this debt was being sold. So, I never gave my permission to sell my debt to a third party. At this point I would like this to be removed from my credit. I have no credit and want to build, that is why I have been trying to reach out to settle this, with this on my credit, my credit is growing slower. If this can be resolved, it would be amazing for me right now. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a recent complaint on incorrect cra data reporting on my credit file. I still get a outright refusal from experian to cooperate. My next course of Acton is legal action for FCRA violations. I will give experian one more chance to rectify this situation before legal action is taken.
Product: Credit reporting or other personal consumer reports

These inquires were made without my knowledge or consent, and as such, I request that it be promptly removed from my credit report. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX OPORTUN/PROGRESO FINANCI Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXXXXXX XXXX  XXXX XXXX on XX/XX/XXXX
Product: Mortgage

My name is XXXX XXXX. I am a XXXX XXXX, who has a foreclosure auction currently scheduled for XX/XX/XXXX. I am in foreclosure through no fault of my own as my mortgage is invalid. On XX/XX/XXXX, I purchased my home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I was given a predatory high-cost loan in violation of NY law and attorney general regulations. On XX/XX/XXXX. US Bank Trust, N.A. took over my loan without realizing that the prior lender had not brought any collections on my promissory not since I stopped paying in XXXX due to my loan being a predatory loan. Under NY law the promissory note and mortgage are VOID, and yet US Bank is trying to foreclosure on XX/XX/XXXX. This is a violation of Attorney General regulations, and it is fraud. I am strapped with household expenses, and I have nowhere to live if I am forced out of my house. I have offered US Bank my life savings so that I can have my son come and live with me due to his illness. I plead with you to help me save my home and stop the foreclosure in XX/XX/XXXX. 


Sincerely XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Company violating my credit report pravicy.

LAW FCRA Section 605B According to the Fair Credit Reporting Act ( FCRA ) Section 605B it is illegal to report information on my credit report without my permission.

In accordance with Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX violated my rights under 15 USC 1681 Section 602 states i have the right to privacy.

15 USC Section 604A 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

My consumer file is being shared without consent. Inaccurate information is being reported.
Product: Credit card

Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX Phone : ( XXXX ) XXXX Financial Institution Information : Institution Name : Bank of America Institution Address : XXXX XXXX XXXX, XXXX, TX XXXX Complaint Description : On XX/XX/XXXX, I received a notification from Bank of America informing me that the credit limit on my card ending in XXXX had been reduced from {$5000.00} to {$2400.00}. However, the letter stated that the original notification of this decision had been sent on XX/XX/XXXX, which I never received. This means that the bank did not properly notify me before taking this action, which has significantly impacted my credit score.

Before this reduction, my balance represented approximately 40 % of my {$5000.00} credit limit. However, with the new limit reduced to {$2400.00}, my credit utilization jumped to 100 %, negatively affecting my credit profile. This change directly harms my financial standing without allowing me the opportunity to respond or adjust my balance before the reduction. I consider this an unfair practice and a possible violation of consumer notification regulations. 

On XX/XX/XXXX, I sent a formal letter to Bank of America requesting : 1. A more detailed explanation of the specific reasons for the credit limit reduction.

2. Proof that the XX/XX/XXXX notification was properly sent and in a timely manner. 
3. A reconsideration of the decision and the restoration of my original {$5000.00} credit limit. 

To date, I have not received any response from the bank. I believe that this lack of communication and transparency affects my rights as a consumer and my ability to maintain a good credit history. 
I Request the CFPB to : 1. Investigate whether Bank of America complied with notification requirements before reducing my credit limit.

2. Require the bank to provide a formal response with a specific justification for the reduction and proof of proper prior notification.

3. Assess whether the bank should restore my original {$5000.00} credit limit due to the lack of proper notification and the negative impact on my credit history. 

Attached are copies of : My letter sent to Bank of America on XX/XX/XXXX. 
The notification I received on XX/XX/XXXX, regarding the credit limit reduction. 

I appreciate your prompt intervention and look forward to any updates or actions taken on my case. 

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

This complaint regards my XXXX XXXX  account and improper investigations by furnished and all CRAs. This simple matter has been and should be escalated to XXXX XXXX Chairman, XXXX XXXX XXXX, in XXXX as efforts by SR VP XXXX XXXX  have not fixed the willful FCRA violations. I have attached 2 letters from XXXX XXXX, dated XX/XX/XXXX and XX/XX/XXXX, both stating my XXXX account was voluntarily closed on XX/XX/XXXX and has not been reported as open since. XXXX. Today, on XX/XX/XXXX, I noticed that an illegal Facially False Data change was to my XXXX attached credit report changing the previously reported closing date from XX/XX/XXXX to now the incorrect date of XX/XX/XXXX in complete disregard from internal control safeguards required to protect such a change, Moreover my attached Experian report of XX/XX/XXXX still reports my account inaccurately as OPEN despite 3 months of disputes. As XXXX XXXX XXXX told a bad actor : Stop XXXX  over consumers. Delete my account!
Product: Credit reporting or other personal consumer reports

They deleted an account of mine. Then restored it. Now it's missing information. Payment history account # credit limit etc and it's now listed under " other '' instead of " accounts '' as it once was. The account is my XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

I maintain a Bank of America credit card for emergency use that has an annual fee. I moved back to the U.S. from overseas and didn't realize the payment was due as my mail was following me around. Bank of America proceeded to post negative information on my report and refused to remove it after I corrected the problem. I don't think credit card companies should be able to damage my credit rating solely for late payment of an annual fee.
Product: Vehicle loan or lease

I purchased a used vehicle from XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, CO XXXX ) in the last couple weeks. There appears to be only minor issues with the vehicle ... rather, my complaint is in regards to their handling of my financial situation as it relates to the purchase. Here is a bullet point list of issues as they stand as of this writing : ( details in contract attached ) * The finance guy, XXXX XXXX, said " Oh, and the warranty is included '', however, after having been rushed through the paperwork, I reviewed it upon finalization and it is NOT included, it was added on ... over {$2000.00}. 

* XXXX XXXX also added roadside service, at my expense. ( both this and the above are OPTIONAL and I was not properly informed of them being added let alone given the option to select or decline. 

* The agreement between myself and XXXX XXXX ( salesman ) and his manager ( XXXX XXXX  last ) that I could take possession of the vehicle and pay the down payment of {$620.00} by XX/XX/2019. Today ( XXXX ) I discovered a withdrawal from my checking account for {$310.00} that I did not authorize! 

I phoned XXXX XXXX who said he knew nothing of this transaction of # XXXX from my account today, but assumed it was his 'business office ' and they were closed until Monday ( XXXX ) so nothing could be done until then. I told him that was not acceptable, that this needed to be rectified immediately. He said it was impossible. He suggested I speak to the dealership manager and took my name an number and said he'd ( the mgr ) would call me back. As of this moment XXXX XXXX, the dealership is closed and I have yet to receive a call! 
The used car division of XXXX is on the same property as the new dealership, to the west. This location, I believe, is occupied by personnel of the Credit Acceptance company. Thus, I believe they are acting in concert as it certainly seems that XXXX must be well aware and thus condoning, supporting and encouraging the activities of Credit Acceptance.

If I am correct in that the personnel at this location are Credit Acceptance employees, then it is them who added items to my loan without agreement or consent and committed consumer fraud through subprime lending practices. 

The location information I have provided is for the Colorado location in XXXX as I don't know the home office address of Credit Acceptance.
Product: Debt collection

Fake company saying I owe a debt, called the real company for which the the suposed debt was owed. The real company said i owe nothing. The fake company said i owed {$50.00}, trying to scam me out of money. Saying they would sue.
Product: Credit reporting or other personal consumer reports

Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have a a unverified accounts from XXXX XXXX & XXXX BAL {$300.00}, XXXX {$260.00}. I had previously disputed this account. I have never done business with these XXXX companies Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt they purport I owe. I request that these companies Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that these companies Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I XXXX XXXX called XXXX XXXX  to discuss an Pay to delete I Paid {$400.00} to XXXX XXXX ( XXXX XXXX  Collection agency. 
CONFIRMATION # XXXX XXXX XXXX XXXX XXXX PAID IN FULL XXXX XXXX STATED THEY DO NOT CREDIT REPORT PAYMENTS BUT WILL TELL XXXX XXXX  SO I SAID I'M REPORTING BOTH OF YOU TO CONSUMER PROTECTION FEDERAL ANGENCY XXXX BANK AND XXXX XXXX TO REMOVE OFF ALL 3 CREDIT REPORTING AGENCIES AFTER I PAID IN FULL
Product: Credit reporting or other personal consumer reports

Looking further into my report and at my age i am noticing a lot of fraudulent inquires accounts and addresses ive never lived in Hard inquiries XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX 2024
Product: Credit reporting

XXXX bankruptcies dismissed and XXXX, XXXX XXXX, XXXX ( Deposit-Related accounts ), & XXXX are being reported to Experian. Sent ID Theft Kit along with Social Security Card & Drivers License to Experian. Everything came back verified. Requested Method of validation and received nothing. Contacts all the above Companies requesting debt validation, request were sent back incomplete. XXXX, said another company originally was the creditor and since the merger they ca n't provide me with any info from the original creditor. XXXX never responded back to my request, XXXX refuses to speak with me and states I have to have the Credit Bureau contact them on my behalf, XXXX could only validate one year of the debt as there computer systems do n't go back to the original debt, and the bankruptcies, the court responded by saying Credit Bureaus NEVER contact the courts to verify ANYTHING. 
I need these items removed immediately. This sounds so illegal.
Product: Credit card or prepaid card

Back around XX/XX/2021 - XX/XX/2021 Oportun opened an account / Credit card fraudulently. I did not authorize this account to be opened, and I did not receive any credit cards from this company. I advised the company several times now, I did not open this account and I did not authorize this account. I did not authorize any applications. I did not sign any applications, I did not receive a card, and I have not received any monetary transactions from said account 's. Every month Oportun continues to report this card on my credit file. Oportun admitted to opening the account without clearing my extended fraud victim statement on my credit file. I do not own the phone number XXXX. Which they stated was used to open the account. The phone number has been shut down due to identity theft. I have not made payment 's on this account. I have not received a single card for this account, and Oportun can not provide proof I signed any applications for the account. I did not sign anything, and I do not owe a debt that was opened from a thief / identity fraudster. Oportun was provided with an FTC Identity Theft Affidavit they chose to ignore. This account is not authorized, and I do not owe the debt on this account. Oportun has no proof tying me to this account, and Oportun never contacted me about this account. According to my credit file this was opened on XX/XX/2021 by a fraudster. Oportun did not verify the account, and did not send me a card.
Product: Credit reporting or other personal consumer reports

I have attached a photo of, my id. I am a victim of human trafficking of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer USA is incorrectly reporting my XX/XX/2020 payment as late. However, there was an executive order passed around that time stating that creditors were not supposed to report late payments to credit bureaus due to the covid-19 pandemic. and on top of that, the balance is wrong. please fix this. You are already being sued. On top of that, I had my lawyer look into some things.