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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$670.00} XXXX XXXX ( XXXX XXXX : XXXX XXXX  ) XXXX Balance : {$140.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Auto XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I am filing this complaint to formally request the removal of a collection account from my credit report, which has been placed by Transworld Systems Inc. The basis of my complaint is that Transworld Systems Inc is not licensed and bonded to collect debts in the state of Georgia, where I reside. 

According to Georgia XXXX law, debt XXXX must be properly licensed and bonded to engage in debt collection activities. Transworld Systems Inc has failed to meet this requirement. As such, any attempt by them to collect a debt from me is unlawful and in violation of state regulations. 

I did not authorize Transworld Systems Inc to use my personal information for debt collection purposes. Their lack of proper licensing and bonding further compounds the illegality of their actions. Moreover, their failure to respond to my cease and desist letter underscores their disregard for consumer rights and legal obligations.
Product: Credit reporting or other personal consumer reports

Experian let a creditor that they already had taken off of my credit report months ago, back into my report that caused me to lose my house loan. Due to the FCRA- thats against the law.

I contacted the collection company ( credence ) and they stated they sent a letter to Experian to remove this from my credit report immediately as they realized it was not my account. ( Sent XXXX spoke with creditor on XX/XX/year> ). 

Trued contacting Experian XXXX today and theres never a representative available to help me. This needs removing immediately either way before I sue Experian for breaking my credit reporting rights and losing a home loan for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX 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

back in XX/XX/XXXX i reported fraudulent changes on my American Express Card ending in XXXX in the amounts exceeding XXXX from XXXX XXXX  on my account, stating they had charged my card without my permission or authorization, They had recently let their manager XXXX XXXX and he charged my card knowing they had received a check from my insurance card before leaving the company, At first American Express credit my account and closed the deputes as resolved, Then later i was contacted by a women saying that they were reversing their decision and i would be liable for these charges based on the fact i originally gave the company my credit card information. 
I explained to the American Express Rep that just cause you shop at a store before doesn't give the manager the right to start making unauthorized charges with it, And that is still fraud, To this date XX/XX/XXXX American Express will not credit my account for those charges and have placed negative marks on my credit files
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$6300.00} XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

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 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
Product: Money transfer, virtual currency, or money service

I was scammed from my bitcoin  account value approx {$14000.00} through Coinbase as all my money got transferred from my digital wallet without Coinbase taking the necessary precautions to safeguard their clientele 's account. There's no reason why they would allow this to occur.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that these accounts are fraudulent though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have inaccurate information reporting on my credit profile from the credit bureau. I have asked for this information to be removed
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Dear XXXX XXXX XXXX, I am responding to your contact about collecting a debt. You contacted me by [ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in the months of XXXX through XXXX and identified the debt as two charge offs of XXXX and XXXX. I do not have any responsibility for the debt youre trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. Where is the proof that I signed for these cars with my personal signature and ID? I would also like for these two debts to be removed from my report. I did not authorize these cars on my report. 

Thank you for your cooperation. Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/20 I was reviewing my monthly transactions ( via XXXX XXXX and noticed a high charge that I did not recognize on a Bank of America credit card that I reserve for emergencies only. The charge was on XX/XX/20 for {$520.00} at a XXXX XXXX in New York ( which is where I reside ). Upon seeing this charge I immediately called Bank of America and reported that this was fraudulent and they began a claim, sent me a new credit card and advised me to cut up the old card. 

I received a response from Bank of America today, XX/XX/20, that they were denying my claim saying " We confirmed your card was used for the charge ( s ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. '' First, there is no pin number for this credit card, so no pin was used. Second, I did not make this charge therefore my signature could not have been used and I have yet to see proof of a signature. Thirdly, no one knew I even had this card and I absolutely did not give anyone access to it and there are no authorized users. 

I am trying to appeal the denial of the claim, but was advised to also submit a claim to the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX I've had XXXX XXXX  XXXX for over a decade and I've been fighting this issue for the last two years. Applied and was granted a payment plan Recently, due to COVID I've accepted a payment deferral plan in XXXX ( which is supposed to deter late payment fee's/credit reporting while on the plan- per their website ). 

However, late payments occurred on my credit report XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020. This is incredibly disappointing especially at a time like this. 

I would like CFPB to investigate this " COVID relief plan '' the bank is offering because it is FALSE advertising and ruining people 's lives. Highly unacceptable and disappointing from bank like this.
Product: Debt collection

Diversified consultants is claiming I owe them money from XXXX XXXX. I claimed bankruptcy way after I had service with them Saying I owe XXXX
Product: Credit reporting or other personal consumer reports

I have gone through numerous attempts to get all incorrect and misinformation corrected that I have suffered greatly from XXXX, Transunion and XXXX companies to try to get my credit profiles corrected for well over the last seven years from experience identity theft. I need help trying to get my life back and with no help or assistance in accuracy in investigations from these supposed to companies to only keep getting included even in their data breaches to suffer even more damage.please help.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following items on my credit report, which I strongly believe are inaccurate due to a possible data breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have taken all the necessary stepssubmitting supporting documents and following up persistentlybut the errors remain unresolved. These inaccuracies have negatively impacted my finances and caused me undue stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is free of incorrect or unverifiable information. I am requesting a full investigation into these issues and expect them to be corrected without further delay. Please ensure this is addressed as soon as possible.
Product: Credit reporting or other personal consumer reports

I conducted a review of my credit report and identified several inaccuracies and potential violations of federal laws, including unauthorized hard inquiries, inaccurate reporting of late payments, and unverified debts. Specifically : Multiple accounts inaccurately reflect late payments, which violates 15 U.S.C. 1666 and related regulations under 12 C.F.R. 1026.13. These entries are incorrectly reported as late, despite the fact that payments were made as agreed.

Several debts are being reported without proper validation, in violation of 15 U.S.C. 1692g. I am requesting that debt collectors provide specific documentation, including contracts or agreements bearing my signature, to verify their claims. Without this validation, these debts must be removed as per federal requirements.

Numerous unauthorized hard inquiries are present on my credit report, which constitutes a breach under 15 U.S.C. 1681n for willful noncompliance with the Fair Credit Reporting Act ( FCRA ). These inquiries were conducted without my consent and must be deleted immediately.

In essence, my rights under the FCRA and related statutes have been violated, and I am demanding that these inaccuracies be promptly investigated and corrected to prevent further harm to my credit profile and financial wellbeing.
Product: Credit reporting or other personal consumer reports

I pulled my credit report on XXXX, XXXX XXXX, and I notice there is a charge off on my credit report. for being reported by XXXX, Equifax, and XXXX First, I notice inconsistent information as it relates to the account. The date of last activity on this account, XXXX is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, Equifax is reporting XX/XX/XXXX, However the Last reported date is reporting as XX/XX/XXXX. This indicates some re-againg or manipulation of the dates which would violate FCRA 15 U.S.C 1681s-2 ( a ) ( 3 ) - ( a ) ( 4 ) which prohibits furnishers from re-aging a debt to extend the reporting period, and falsely representing the date amount or status of the debt.
Product: Credit reporting or other personal consumer reports

New Info_ Complaint : This isn't a Duplicate Complaint : FTC complaint attached. 

XX/XX/year> I contacted XXXX Bank ( Card holder for the XXXX XXXX ) before XX/XX/year>, regarding a fraudulent account created by an unauthorized person in my name. Despite my request, they delayed closing this account until XX/XX/year>. I demand the immediate deletion of this account from my credit report as I have no knowledge of it. XXXX XXXX # XXXX I contacted the XXXX XXXX and they confirmed this card was used without my consent. There's no record of my name, email, address or phone number being associated with these purchases. 
This has now had a negative effect on my credit, taking my score below XXXX in just one day. I've attached a copy of my FTC report filed, XX/XX/year> when my score was still XXXX. As of XX/XX/year> it dropped to XXXX solely as a result of this fraudulent account being reported closed instead of being deleted.
Product: Credit reporting or other personal consumer reports

Dear JPMCB Card Services, I hope this letter finds you well. I am reaching out regarding my closed account with your institution. Please note that I am not disputing this account ; I am simply requesting some key details for my records. 

Specifically, I would appreciate it if you could provide me with the following information : 1. The date of first delinquency on the account.

2. The date of my last payment on the account.

3. The date the account was charged off I kindly request that you provide this information at your earliest convenience. If any additional steps are required on my end, please let me know.

Thank you for your time and assistance. I look forward to your prompt response.
Product: Checking or savings account

In XXXX XXXX, I noticed that I had started receiving some charges associated with my Checking Account. I called Wells Fargo and they explained that they had monthly fees associated with accounts that did not meet certain requirements. As this was news to me, they were willing to offer a refund and promised me that I would not see new charges for the current month. 

I did not notice until recently that I actually had been charged anyway, and for an additional month afterward, even though I had made changes to meet the fee exemption requirements. I contacted them today ( XXXX XXXX ) and was told that they would be unable to refund me for the charges they had previously promised I would not receive because it had been longer than 180 days since the charges had occurred. 

I don't think it's right that a company can get away with wrongful charges because of a self-defined limit on the timeframe in which things can be made right.
Product: Checking or savings account

I am filing a complaint the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance and investigating this manner to ensure my rights are upheld. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I personally called XXXX XXXX the first week of XXXX to get the pay off amount on one of my properties at XXXX XXXX XXXX in XXXX XXXX, NV On XX/XX/XXXX I signed off and XXXX confirmed that on that date the sum of over 93K was wired to XXXX to pay off that mortgage as of today XX/XX/XXXX I am getting Auto dialers that put me on hold for 3 to 5 minutes at a time all day long I am slammed with Calls, text, fax and emails I know I over paid and I want a refund ASAP Please do not confuse this complaint with previous ones I had 9 years from XXXX while dealing with them I blame even my moms XXXX, XXXX and ultimately even her XXXX on all the stress they put us all trough
Product: Money transfer, virtual currency, or money service

I have a chase checking account with quickpay with XXXX option. Two weeks ago I noticed a two XXXX  with XXXX transaction to a person ( email address ) I do not recognize. 

1 ) Contacted Chase customer service. They opened up a investigation 2 ) A week goes by and Chase customer service blamed XXXX. Told me they can't reverse the {$250.00} and {$650.00} ( 2 transactions ). The reason is after investigating the transaction was authorized by my iphone 11 with face-ID lock. I believe this is a lie because my phone does have Face-ID lock and is by my side at all times. 

Long story short Chase customer service is blaming XXXX. And XXXX customer service is telling me to contact my Chase account representative. Now I am out of {$900.00} in total.
Product: Debt collection

I was a fraud victim from someone who opened up a XXXX account with my name and social. I filed a police report and was advised at that time not to send any more personal information to them. The cop went to comcast in person and told them I had submitted proof to him that it was not me. They refuse to take the charge off my account. I contacted them later and they said they could n't do it bc I needed to file a report on the FTC website. So I did. They still wo n't take it off. Now I can not get anyone on the phone with XXXX. They keep giving me the run around and have told me TWICE that the fraud dept. will contact me in 72 hours and they have not. I am not 100 % sure of my rights, but if a cop says that I have already proven my innocence, can they still demand more paperwork? Since when should I obey a XXXX rep over the POLICE? I am to the point of backing down to get it over with. I have my proof of residency ready to email, but I ca n't get anyone to give me an email to send it to. XXXX when I tried to call, they just transferred me to the FTC and hung up. We were both confused as to why we were even on the phone with each other. I do not have a problem with the collection agency because they have removed it twice already with no hesitation. However, XXXX every so often sends it back to the collection agency all over again. I really need help getting XXXX to clear my name. Thank You!
Product: Debt collection

Received a phone call on Tues XXXX XXXX XXXX at XXXX from a unknown number by guy named XXXX XXXX saying he has legal documentation that I have to sign for at my place of residence and/or employment under my name and social security number. The paperwork is pertaining to a claimant office is filling against me. He says he is advising me to call XXXX and here is your attactch case number. This same guy has also called My Dad at his residence on Tues XXXX XXXX, Weds XXXX XXXX and also called my brother at his place of residence XXXX XXXX and XXXX XXXX. He has call both of them numerious times and was very rude. He has also called me again on XXXX XXXX XXXX at XXXX for another message like the first one. He called again XXXX XXXX saying the same message.
Product: Mortgage

Prior to my refinance with Nationstar Mortgage XXXX, DBA Mr. Cooper, my homeowners had for 17 years been escrowed. Upon my refi, due to the equity in the loan, they didn't escrow the loan. My insurance was set on an annual payment. Renewal date of XX/XX/22 was missed this year by me, I take ownership of that. Upon realizing this, my agent/underwriter reinstated my policy effective XX/XX/22 and I provided an updated policy to Mr. Cooper Insurance Tracking center that same day. I have been insured with the same company for 18 years on my home. This presented a gap/lapse of 23 days. The mortgage company forced placed coverage for this period of time. The charge is sitting in an escrow account, but my loan isn't escrowed. 
PROBLEM : Force Placed coverage is a benefit to the lender only, NOT the consumer. 
It only protects the physical structure from covered perils. The annual forced premium of {$7300.00} is calculated on the replacement value of my home, $ XXXX, resulting in a charge of {$460.00} for the 23 days. The maximum this should be calculated on is the outstanding loan balance of $ XXXX as this is the maximum lender risk. 
I tried to contact the tracking center several times and always got stuck in their phone tree, never able to get to a human. I finally contacted Mr. Cooper directly and got someone on XX/XX/22. 
I spoke with XXXX, an Escalation Specialist ( XXXX ) and asked why they are calculating premium over and above their lender risk. He has no answer except that is what is was. I understand the lapse and asked that he calculate on their actual lender risk of $ XXXX which would produce a premium of about 1/2 of what I was charged. He said they would not recalculate. 
If my home had burned to the ground during those 23 days, this mortgage company would only have been out my outstanding balance of $ XXXX. Therefore they should not be overcharging the consumer for something they will never use or need. This is unfair to every consumer out there. I understand the need to cover the lender risk on collateral but I don't feel it is fair to gouge the consumer for any amount over and above what they need to be made whole. 

This is the problem today and where so many consumers are taken advantage of and so often the consumer is unaware of what to do. Consumers rights need to be protected.