23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I recently discovered some fraudulent activity involving my identity and I believe I've been a victim of identity theft. Back in late XXXX, I reached out to the company associated with a particular card that I was unaware of, expressing my confusion and seeking information about the account. However, they were unable to provide me with any details. 

As a result of my debit card being used online without my knowledge, I strongly suspect that my personal information has been compromised. Following this realization, I promptly provided them with my correct address and email details. Unfortunately, despite my efforts, I never received any further communication regarding this matter or the account in question. 

I made it clear to the representative that I have no recollection of opening such an account, especially considering I only returned to New Jersey in XXXX after residing in XXXX between XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21, I sent a dispute to Experian regarding XXXX XXXX inaccurately reporting information on my credit report across all three credit bureaus. I later received a response that my credit report was updated ( although I specifically stated I wanted it removed due to inaccuracy ), and I could not find any information updated. I called Experian on XX/XX/21 to find out what exactly was updated and the rep told me he did not know and only saw on his end " the creditor states that all information is accurate. '' ( which, per my screenshot, is clearly untrue. I have attached the three bureau screenshot along with my dispute and their response showing updated, although I see nothing changed. I genuinly feel as though at this point, Experian is not at all even reviewing my complaints. They are just sending responses without doing any investigating.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I requested the cfpb to intervene in order to help me get problems I found out in my credit file Pursuant to federal law, I am requesting that you provide me copies of the transaction details and business records in your control relating to the fraudulent transactions. A copy of the relevant federal law is enclosed. Please provide all information relating to the fraudulent transaction, including : Application records or screen prints of Internet/phone applications Statements Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate the account or used to access the account Any other documents associated with the account. 
Account likXXXX 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 this investigation is passed due the 30 days and still the above accounts haven't been removed, deleted or blocked from my credit report file this investigation has passed the 30 days that by Federal law they have in order to correct this issue.

It is proved that Experian does not has any respect for the consumer right. They are law and are above the Law mocking the cfpb by answering to this serious complain that a response was in progress on XX/XX/XXXX and at today XX/XX/XXXX they have not issued any response. 
Experian did the same to all my phone disputes, all the mail disputes submitted by me on previous months this credit reporting agency is mocking and playing with the life of those consumers. consumers like me who battle day by day to defend their rights again giants powerful companies that manipulate the law in their favor because it is know Experian get pay for this inaccurate, false information stay in the credit file. 
Today I reach out again to the cfpb not only to Witness how Experian violates my rights under : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt but for the cfpb to enforce the law the previous complain # is XXXX
Product: Debt collection

The company continues to call me and leave messages. When I answer it 's only a recording of very unspecific nature trying to get me to call them. I have excellent credit and nothing outstanding on my credit report so I know they are not trying to collect a debt from me. At this point I feel like it is harassment. Several calls a day is too much and answering their calls does nothing because there is no person to talk to just a recording. I am not going to call some number and take the risk of having to pay international fees like so many scams out there. I need to be removed from their call list.
Product: Mortgage

In an attempt to refinance my current home loan, I discovered that Popular Bank failed to file the lien release from a pre-existing second mortgage loan we had with them from XXXX for {$75000.00}. Since XX/XX/XXXX, I have contacted Popular Bank many times to resolve this issue. I have filed a Release/Satisfaction Requirements/Mortgage Release form with them. I have provided all of the necessary documents they are requesting. I have emailed and called to speak with representatives countless times. I have offered to pay {$1500.00} to help with the cost of filing the paperwork they failed to file in the first place. They have sent me two letters saying that I need to wait 30 days while they continue to investigate. It has been well beyond the 30 days and I still have not received any information from them. They have not provided me with any documents that prove that I still owe on this loan or that they have ever made any attempt to contact me or collect on this loan. They don't  even have a pre-existing account number to reference. 

This loan was sold to several different entities and then was paid off in XXXX when we went through a loan modification/consolidation process. Because we have never received any notification that this loan was in default, nor has anything appeared on our credit, nor does it currently appear on any of the Title records filed with the county, we had absolutely no knowledge or reason to think that this loan was not paid in full and the lien was released, until now, 10 years later, when we are trying to refinance our current mortgage.

Now, because so much time has passed, this is costing me money not being able to move forward with the refinance of the current mortgage on my home. Popular Bank has failed to contact me within the time frame they established. They have failed to provide any proof of default on my part. They need to file the lien release now, as they should have done years ago, as it is their responsibility to do so in a timely manner.
Product: Debt collection

I previously entered into a XXXX XXXX XXXX XXXX XXXX XXXX XXXX which included a lifetime guarantee, in XXXX XXXX XXXX. The company did not fulfill its obligations to me, as my XXXX did not fit and never straightened my XXXX They were responsible for sending another set to ensure the product accomplished the task as promised. However, the company went bankrupt and I can no longer contact them about anything related to the XXXX. The company charged me over {$2000.00}. I was paying in installments through Healthcare Finance Direct, which I believe is affiliated with XXXX XXXX XXXX. I stopped payments last month, as the company I contracted with is no longer providing or servicing the product I purchased and is bankrupt. Healthcare Finance Direct is now threatening to send me to creditors, and will only tell me that the lifetime guarantee I received is no longer valid because XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These XXXX charges are errors. They do not belong to me. XXXX XXXX Opened XX/XX/XXXX XXXX XXXX In Opened XX/XX/XXXX XXXX XXXX XXXX Closed :XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Im going to try to explain this the best i can.I discovered this app called sezzle a few years ago, i can't remember exactly how long, its one of those buy now, pay later things. I figured I'd try it out.I was approved for a small spending limit, like XXXX or XXXX, maybe more, i honestly can't remember, so I bought a couple things, made the payments like I was supposed, I think I might have been late on a couple but it wasn't that late, maybe a week so I ended up paying of all my orders Long story short, when I went to use the account again, I get a message saying, " Based on your previous payment history, we are unable to extend service to you at this time " .So I contacted them and they tell me the same thing over and over again " our credit decision is based on blah blah, whatever and I tried explaining to them that my payment history was perfect, I even took a screenshot of the credit report for this account, but they didn't want to hear it, so I asked to be connected to their credit department and they said, " it's not possible ", so I deleted the account and tried to open a new one to see maybe if it was a glitch in their app, still the same thing and they still refuse to provide me with anything helpful, I feel like they're discriminating against me for some reason, i don't know, there's something weird going on
Product: Credit reporting or other personal consumer reports

I am a victim of the XXXX data breach and have discovered an unhealthy amount of inquiries on my credit profile, all of which i NEVER AUTHORIZED nor INITIATED OR GAVE CONSENT TOO. The inquiries below are fraudulent and must be deleted immediately from all reporting Bureaus : 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX  Account Number XXXX {$7000.00} XXXX XXXX Account Number XXXX {$3800.00} XXXX XXXX Account Number XXXX {$2900.00} XXXX XXXX Account Number XXXX {$3200.00} XXXX XXXX Account XXXX XXXX {$2900.00} 15 USC 1681 Section 604 " States rights to consumers privacy ' Reporting agencies can not furnish a account WITHOUT my WRITTEN consent!
Product: Debt collection

I am writing to file a formal complaint regarding a debt collection agency that has been persistently harassing me with repeated text messages and threats of legal action. The agency, [ insert collection agency name ], has been engaging in this behavior despite my clear request for them to cease communications. 

Specifically, I have been receiving numerous unsolicited text messages from the agency, which not only contain threats of legal action but also include warnings about how these alleged debts will negatively affect my credit report. These communications are not only stressful but are causing significant emotional distress. I have asked them to stop contacting me multiple times, yet the messages persist. Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are prohibited from engaging in harassment, threatening legal action without intent to follow through, and misrepresenting information about credit reports. It is my belief that [ insert collection agency name ] has violated these provisions, and I am requesting your assistance in investigating and taking appropriate action.

I would appreciate it if you could address this issue and help ensure that this behavior is stopped immediately. Enclosed/attached are copies of the messages received, along with any correspondence I have had with the debt collector regarding this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Subject : Request to Remove Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified the presence of certain inaccuracies. The following item ( s ) require correction : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX 3. The following personal information is incorrect Employers : XXXX In accordance with the Fair Credit Reporting Act, I hereby request a thorough investigation into these items and their subsequent removal from my credit report. It is my understanding that you will verify these items with the relevant creditor. Any unverifiable information should be promptly deleted. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are obliged to complete this reinvestigation within 30 days of receiving this letter.

Kindly send an updated copy of my credit report to the aforementioned address. The act stipulates that no fee should be imposed for this updated report. Additionally, I kindly request that you notify any parties who have received my credit report within the last six months of the necessary corrections.

Thank you for your attention and assistance in resolving this matter. 
Yours faithfully, XXXX XXXX
Product: Debt collection

Look, i am not the person they are looking for. They never even sent me a letter like some people usually get. Please tell them to stop calling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX and I'm including it again. 


XXXX XXXX XXXXXXXX Balance : {$16000.00} ; XXXX Balance : {$6900.00} ; XXXX XXXX Balance : {$2700.00}
Product: Debt collection

AFNI at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX has been sending me collection notices in the amount of {$4400.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Checking or savings account

In the evening of XX/XX/year>, I noticed several strange notifications on my phone from the Chase mobile banking app, asking me if I was trying to log in or speak with a representative. I clicked no on the notifications and immediately went to my computer to log into my account and look for suspicious activity. At that moment, I did not see anything, but I called the phone number for chase credit cards asking if they could see anyone trying to log into my account and to lock my accounts. While on the phone with the credit card division, I started getting emails from Chase with one-time codes and informing me that my password was changed and that a new device had been enrolled on my bank account. I informed the agent on the phone that I was being hacked live and that they needed to transfer me to the banking division ASAP. A few minutes later, they locked all my personal and business banking accounts. I went to a physical Chase branch the next day on XX/XX/year>, where my accounts were restored, and I was given new online credentials and a new checking account/routing number. However, my concerns about how the breach happened despite my XXXX were brushed off, and I was told the FBI would be notified, but I received no evidence that any such report was made. Let me be clear - I was the victim of some type of hacking that defeated Chase 's security measures despite my active and timely intervention against the hack. The lack of investigation and/or concern by Chase regarding this breach is unacceptable, and I wish to file this report because I do not believe they intend to report this incident to the proper authorities. Thank you for your consideration.
Product: Credit card or prepaid card

XXXX XXXX XXXX, XXXX XXXX XX/XX/2022 - transaction amount XXXX cent XXXX XXXX XXXX, XXXX XXXX XX/XX/2022 - transaction amount XXXX cent XXXX XXXX XXXX XX/XX/2022 - transaction amount {$1400.00} XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2022 - transaction amount {$77.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 - transaction amount {$43.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX transaction amount {$43.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX amount {$43.00} XXXX XXXXXXXX XXXX XX/XX/2022 XXXX transaction amount {$13.00} All of the charges above were fraudulent charges that we were only alerted to us after the large XXXX  transaction for XXXX via text message alert from Citibank. I instantly called Citibank and logged into my account. I tried to do online fraud through Citibank but the transactions are in a pending status, so the system will not allow me to do any disputes for 3-5 days. I did speak with a Citibank representative who stated that she canceled my credit card and posted fraud alerts for all transactions but she stated I will not here about any outcomes for up to two weeks. I am very nervous about all of these fraudulent charges to my account especially the XXXX cent charges because those are usually test charges. Iasked the Citibank representative if they have had any fraud or hacking events and she stated no. After researching I found this to be inaccurate. XXXX XXXX and XXXX XXXX reported scams and hacking attacks pilfering over XXXX credit card customers.
Product: Vehicle loan or lease

My car was deemed a total loss on XX/XX/XXXX of 2020. The lender, Wells Fargo, was notified that my car was totaled by the insurance company, XXXX, in early XXXX. Wells Fargo is continuing to charge me late fees for a payment that should have been made post my car being totaled and them being notified that the car was totaled. I was under the impression that all payments and late payments should be stopped and the insurance company should be responsible for anything outstanding. 

I am now being penalized daily for late fees and past due payments because I'm waiting for Wells Fargo and XXXX to finish communicating about my loan payoff. This does not seem like a fair practice. To charge consumers egregious costs due to the company 's own slow processing times is unjust. 

I can share more about the details of the case as well as provide emails. Thank you for your time.
Product: Credit reporting or other personal consumer reports

I Received A copy of My Credit Report I saw My Address On File Is Incorrect & Needs To Be Fixed IMMEDIATELY AND THERE ARE Accounts That Don't Suppose To Be There REPORTING. I've Notified The Creditors As Well As The Credit Agencies. Please help me with these FRAUD ACCOUNTS to Be Deleted/REMOVED. PLEASE HELP ME RESOLVE THIS ISSUE. 

THESE ARE THE ACCOUNTS : XXXX XXXX Balance : {$4900.00} XXXXXXXX XXXX XXXXXXXX Balance : {$320.00} ACCNT : XXXX XXXX XXXX XXXX XXXX Balance {$450.00} ACCNT # XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX Account # XXXX Open XXXX XXXX account XXXX XXXX Date XXXX. 

Under FCRA Consumer SECTION : 15 USC 1681B Permissible Purposes. 15 USC 1681 ( B ) Disclosure, 15 USC 1681Q- any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be find under TITLE 18, Imprisoned for not more then 2 years.
Product: Checking or savings account

On Wednesday XX/XX/XXXX, I noticed multiple fraudulent charges on my Bank of America checking account totaling {$4200.00} from XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX. All the charges were made in different parts of Florida, but I currently live in XXXX XXXX, Massachusetts, therefore, those charges could not possibly be from me. In addition, I made personal transactions in XXXX and XXXX XXXX, MA that same day ; and its clear that I can not make myself be in two places at once. 
I called the Bank of America fraud department that night, and the woman told me I had to go to a BOA branch to verify my identity. I went the next day after work ( Thursday, XX/XX/XXXX ) at the XXXX location, and the man in charge of fraud claims was not there. I took time out of work the next day ( Friday, XX/XX/XXXX ) and met with XXXX XXXX XXXX, Relationship Manager Lending Specialist, and he assured me that I would get the money back because there was no possible way that I made those Florida charges. He filed a claim for me, and on XX/XX/XXXX, I received a message from BOA stating, they are unable to pay because the charges were authorized by me or someone who has permission to use my account. 
I made an appointment to meet with XXXX the next day to dispute the results, and it had to be postponed to that Saturday ( XX/XX/XXXX ) due to unforeseen weather conditions, and I demanded to make another claim. He had me call the claim department, and the woman I talked to told me she couldnt do anything to reverse the decision, or give me my money back, and that I needed to call the existing claims department. Unfortunately, I wouldnt be able to call them until that Monday because they arent available on weekends. 
I called that Monday ( XX/XX/XXXX ), and the woman I talked to in existing claims told me she couldnt do anything to help me, and that I needed to call another department in fraud to file a new claim. I called on Thursday, XX/XX/XXXX, and the woman I spoke with filed a new claim for me. I received a message on Friday, XX/XX/XXXX, that stated, [ Bank of America ] canceled claim XXXX*because it's a duplicate of claim XXXX, which was opened on XX/XX/XXXX. We've canceled the duplicate claim and there's nothing else [ I ] need to do. 
After receiving that message, I tried resolving this issue with the bank first, and I called XXXX three times and left two messages, both going unanswered. I had my entire bank account filled with hardworking, earned money stolen from me, and I truly feel like Bank of America is throwing me through hoops hoping Ill give up. I filed a consumer complaint through the Massachusetts Attorney General on Sunday, XX/XX/XXXX, and they are still processing my complaint. Today, XX/XX/XXXX, I filed a complaint with the Office of the Comptroller of the Currency and will await to hear back from them. Now, I file a complaint with you, the Consumer Financial Protection Bureau. I will not give up until I get my money back and I thank you for your prompt support and attention to this matter. Thank you.