23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

ATTENTION TO XXXX. XXXX XXXX ( XXXX XXXX XXXX XXXX ) I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$420.00} does not belong to me. This account was fraudulently opened through this company XXXX. XXXX XXXX ( XXXX XXXX XXXX XXXX ) in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

several inquires on report that are unrecognized, plus they are none account holding inquires thats not from an employee orinsurance. 

Experian business credit XX/XX/XXXX unrecognized inquiry XXXX credit/XXXX select XX/XX/XXXX unrecognized plus none account holding XXXX XXXX XXXXunrecognized plus none account holding inquiry XXXX XXXXXX/XX/XXXX unrecognized plus none account holding inquiry XXXX XX/XX/XXXX unrecognized plus none account holding inquiry XXXX XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XXXXXX/XX/XXXX unrecognized plus none account holding XXXX XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XXXX XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XXXX/XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XX/XX/XXXX unrecognized plus none account holding ive filed several disputes asking for proof of inquiries but only got a response back that they were confirmed
Product: Credit reporting, credit repair services, or other personal consumer reports

I've requested from the credit reporting agencies the removal of a public record being reported on my credit reports, they have come back as verified by the furnisher who they list as the US Bankruptcy Court XXXX  Texas. I received a letter from the United States Bankruptcy Court XXXX District of Texas that states that they are the furnisher of the information and that they don't report information to or remove information from credit bureaus. So after talking on the phone with Experian and requesting in writing the process of the investigation and how they obtained and verified the information from the United States Bankruptcy Court XXXX District of Texas, I was told that XXXX XXXX a third party company was the furnisher which is in violation of the FDCRA which states only the furnisher of and account or information can report/furnish information in credit files. So since I never had any accounts with XXXX they are in violation of Federal Law and United States Bankruptcy Court XXXX District of Texas states they didn't provide nor report this information to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian released my private information including my credit card bill to a 3rd party that had nothing to do with my file. Not only are they reporting inaccurate collection accounts to my file they have violated my rights over and over again. I have attached the response from the 3rd party showing my proof at address that was sent to Experian was sent to XXXX and it should not have been.
Product: Debt collection

I received a letter from a collection agency called Commonwealth Financial Systems on XX/XX/XXXX. The letter was dated XX/XX/XXXX. I sent them a letter asking for validation on XX/XX/XXXX. which I will enclose a copy of all correspondence with all parties within the request. The letter was received by them on XX/XX/XXXX via USPS. Commonwealth Financial systems illegally added this onto my credit report on XX/XX/XXXX. They have not sent me anything in regard to validation. Under the FDCPA, it states that the collection agency has to wait a full 30 day period before furnishing information to the credit bureau. They did not. They illegally added it onto my file to damage my credit to get me to pay an unverified debt. I called them and spoke with XXXX XXXX ( A customer service representative ) and XXXX XXXX A manager that did not disclose his last name ) and explained that this was illegal for them to do. I asked them to remove it today and they stated that they do not add or remove accounts. Then XXXX switched up her statement and stated that they never added it to my credit report, however, I have proof that they did. They said they may send a request to delete it from my file, but they did not want to provide me any paperwork disclosing that or confirming their promise. This is hurting my credit rating because I am buying a home which is now causing me to have XXXX and emotional distress. They knew that they illegally sent this over to the credit agencies to scare me into paying for the debt that is not mine. I spoke with XXXX and they stated that they did not receive anything from them and advised me to dispute it. I disputed it under Identify theft since I have not been at a medical center in 2019. I spoke with XXXX from XXXX at XXXX XXXX and he did not help at all after I explained that commonwealth Financial systems broke the law. I plan on suing both XXXX and the collection agency.
Product: Credit reporting or other personal consumer reports

I just checked again my XXXX, XXXX and Equifax credit reports and I can see accounts reporting inaccurately. You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see attached file below
Product: Mortgage

In XXXX, 2024, I was informed, in a very short period after my application for a HELOC, that I was denied because of the algorithm used to determine qualification. Then about a week later, I was asked for addtional information. I called my representative at CitiBank, who informed me about the original decision, and he surprised as well that I was being asked for additional information. I then spent several weeks going " back-and-forth '' with CitiBank and provided additional XXXX at every request. 
After several weeks without contact by CitiBank, I contacted my XXXX Citibank representatives and did not receive any information on the progress of my application. 
I finally received a letter on XX/XX/year> informing me of denial. The reason was " The property is not owned by an individual or an acceptable living trust. '' Overall, this was a process in which the XXXX CitiBank representatives did a very poor job in their communications and lack thereof. Given my excellent XXXX XXXX and net worth, I believe my denial was inappropriate.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX XXXX : XXXX Consumer XXXX : XX/XX/XXXX Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : XXXX XXXX XXXX ; Under the Account Number : XXXX ; Opened On : XX/XX/XXXX ; XXXX XXXX XXXX Under the Account Number : XXXX ; Opened On : XX/XX/XXXX ; XXXX XXXX XXXX Under the Account Number : XXXX ; Opened On : XX/XX/XXXX ( REMOVE IMMEDIATELY ). These items have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer FICO Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Experian Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within XXXX Business Days of you receiving said complaint. I request that all written confirmation ( XXXX ) regarding this CFPB Complaint be sent via email to the email address : XXXX Attached below are supporting documents -A Letter formally detailing the information of my dispute and stating consumer laws -A Fraud Affidavit -Copy of US Issued ID XXXX Proof of Identity ) -Copy of XXXX XXXX ( Federal Trade Commission ) Identity Theft Report
Product: Debt collection

I have been experiencing issues with XXXX. XXXX  regarding an alleged debt that they have been reporting on my consumer report. The debt amount is listed as {$1500.00}, and I have been disputing its validity since XXXX of XXXX. Despite multiple attempts to request verification of this debt, XXXX. XXXX has not provided any supporting documentation to prove its validity. 

On XXXX, I sent my XXXX and final letters to Experian XXXX XXXX. XXXX, requesting proof of the alleged debt and how they determined it meets the requirements for reporting. However, they have continuously disregarded my letters and have persistently reported the debt to my consumer report without providing any verification. Additionally, I successfully submitted a complaint to the Consumer Financial Protection Bureau ( CFPB ) complaint # XXXX about this unverifiable debt approximately a month ago. Logged in to the CFPB portal today to check the status but somehow my complaint can not be found. XXXX. XXXX has continued to report the debt three more times within a two-week period. The most recent update was reported on XXXX, XXXX and XXXX I believe that XXXX. XXXX  ' actions are in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Their failure to provide adequate verification and their continuous reporting of an unverified debt have negatively impacted my creditworthiness and caused unnecessary distress. 

I am seeking resolution in the form of a cease reporting, where XXXX. XXXX immediately stops reporting this unverified debt to my consumer report until they can provide adequate proof of its validity. I request that they comply with the FCRA and FDCPA regulations to ensure accurate and lawful reporting practices. If they fail to cease reporting within a reasonable time frame, I request that appropriate fines be imposed on XXXX. XXXX, amounting to {$1000.00} for each day the unverified debt remains on my consumer report. 

Thank you for your attention to this matter, and I hope for a swift resolution to address these violations. 

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek ligation for defamation of character ). XXXX XXXX XXXX. {$2500.00}, XXXX XXXX XXXX {$250.00}, XXXX XXXX XXXX. {$4100.00}, XXXX XXXX XXXX. {$12000.00}, XXXX XXXX. {$16000.00}, XXXX XXXX. {$2300.00}, XXXX XXXX. {$480.00}, XXXX of XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY FRAUD AND SOMEONE HAS USED MY IDENTITY TO OBTAIN GOODS AND SERVICES. THERE ARE 9 FALSE INQUIRES REPORTING ON MY ACCOUNT AND ARE NEGATIVELY IMPACTING MY CREDIT AND MY LIFE. HERE ARE THE INQUIRES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX  stated that Giftcards.com DBA Blackhawk Network cancelled the order twice, while the phone prompt system incorrectly stated that the orders was processed. Initial order was duplicated after transaction was unsuccessful. Information was hidden from account. Transaction history for past orders was removed from display. Same issue occurred previously two to three years ago, while other orders were successful.
Product: Debt collection

On XX/XX/XXXX after XXXX  years of going back and forth. I spoke with XXXX @ XXXX EST I stated this was from a move over XXXX years ago. I canceled service and paid my past due bill. I was giving them the benefit of the doubt as I don't have my receipt for mailing the internet router box back, I may have forgot, but thought that I did. I have no problem paying for the equipment. NOT monthly charges, as I was NOT there to receive ANY service. I moved to TN on XX/XX/XXXX. Furthermore to charge {$410.00} for XXXX ( One ) internet router box is CRIMINAL- Please help/advise. 

Please reference my complaints with XXXX and XXXX for reporting conflicting information. ( Not to mention XXXX XXXX ) - XXXX and XXXX have several conflicting information that I have disputed this past month and caused my credit score to go up XXXX then drop again. 

I have no problem paying what I owe, however I do not want to be Gouged, and since there is inaccurate and differing information on both credit platforms, I dispute to TOTAL accuracy of All Debts Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2021, I opened a second dispute of XXXX XXXX withXX/XX/XXXX and Transunion. I submitted proof to XX/XX/XXXX that I sent a verification letter to XXXX XXXX and they did not respond within 30 days. XX/XX/XXXX notified me that their investigation was complete on XX/XX/2021 and the negative reporting of XXXX XXXX remains on my credit report.
Product: Debt collection

I cancelled my account with XXXX verified my new address for me to receive my final bill so i could pay it when it was due. I never got the final bill i called XXXX several times over a 2 month period to get my balance owed or my final bill and was never provided this informaiton from any agent i spoke with. Now the bill is with the debt collection agency and i explained to them that i was never given my final bill or the opportunity to pay the bill before it ended in collections and they refuse to delete it from my report once i pay the balance i have no problem paying the balance but to this date the debt collection agent or XXXX has not given me my final bill with the break down of my charges or anything and refuse to delete it if i pay the balance they say i owe
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Oklahoma XXXX Credit Fresh Acct # XXXX Phone # XXXX I started a loan with this company in XXXX XXXX XXXX  When I made my first payment I noticed my {$5000.00} loan went up to {$5500.00}. I made an {$550.00} payment and they added on {$500.00} to my balance. I called and they promised Me that the balance would go down after making more payments. They said that they were charging me a billing cycle charge each payment. These biling cycle charged are 98 % of any payments I have made so after several attempts for them to stop these shady practices I'm on my 10th month of making payments on a {$5000.00} loan and my balance is {$5100.00}. I have made {$5200.00} worth of payments to this company and still owe more then what I borrowed. This is the worst predatory lending I have ever seen. I am a XXXX veteran on social security and I can't keep giving this company free money after I have already paid them more then what I borrowed. These fees, and charges were hidden. Please help me stop them from taking advantage of me and any other people. 

XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit card

I have an auto pay set up through my regular checking account bank. The credit card through another bank is not applying those payments in a timely fashion resulting in late fees. The late fees were reversed. I asked for reimbursement from the interest accrued on the late fees but this was not handled. Due to their pressure from the continuing emails regarding late payments, I backed out the auto pay payment date to be sent out even earlier. Today Tuesday XX/XX/year>, I received an email from said bank stating a payment of {$35.00} was past due by 13 days. I immediately checked out the email by logging in to said credit card. A payment of {$47.00} is due on XX/XX/XXXX. I called XXXX customer service. The representative could not verify that an email was sent nor what the {$35.00} is in relation to my account. All links in the email go back to their bank website. I have requested an video call with a bank location in XXXX XXXX, XXXX  as it is the closest physical location to where I live. That appointment is set for Thursday XX/XX/XXXX. I consider this as harassment for the credit card balance.
Product: Mortgage

I filed a previous claim # XXXX reference numerous repeated charges, large additions to balance owing after signed modification, confusing nature of Selene 's payment history documentation, needed explanation for double charging of loan amount monthly and failure to report to credit bureaus since initiating account with Selene. 

Selene 's response ignored any of these concerns, included only a forwarded copy of my modification document ; which didn't address any of the above noted items, and they promised to stop asking for my dead father with each call. 

Well, Selene still asks for my dead father on each call... 

Their documentation is the same ; without reason or clarification of repetitive and double fees, and they continue to ignore my requests to reduce my loan to a fair amount, to restore their fraudulently applied check and NSF fees, or to explain {$37000.00} in " Corporate Advance Adjustment fees '' that increased my balance after signing. 

My prior complaint included a 17 page log with minimal, detailed compilation of all correspondence/transactions with XXXX. I organized it in the closest semblance of intelligence that I could create from their chaotic and inconsistent documentation. 

My {$150000.00} balance, that I signed as {$130000.00}, should have a XXXX XXXX monthly payment, plus escrow. Selene mandates an {$1800.00} monthly payment, to prevent Foreclosure. 
This is equivalent to a {$250000.00} mortgage, not the {$130000.00} I signed documentation for. 

This company refuses to be transparent, consistent or apply honest business practices.
Product: Credit card

I am writing to address the response I received regarding my complaint to the Consumer Financial Protection Bureau ( CFPB ) concerning the rejection of my payment coupons by American Express ( AMEX ). After careful review, I maintain that my payment coupons constitute valid negotiable instruments, and their rejection constitutes a breach of AMEXs fiduciary duty, non-compliance with their own SEC filings, and a violation of relevant UCC provisions and federal regulations. 

According to UCC 3-104 ( a ), a negotiable instrument is defined as an unconditional promise or order to pay a fixed amount of money, with or without interest or other charges described in the promise or order, if it : - Is payable to bearer or to order at the time it is issued or first comes into possession of a holder ; - Is payable on demand or at a definite time ; and - Does not state any other undertaking or instruction by the person promising or ordering payment to do any act in addition to the payment of money. 

The payment coupons I submitted meet the criteria outlined in UCC 3-104 ( a ) and therefore must be recognized as valid negotiable instruments. By rejecting these instruments, AMEX has failed to acknowledge their validity under the UCC. 

Under UCC 3-604 ( a ), a debt is considered discharged if a party tenders payment in good faith and the creditor refuses to accept the payment. My payment coupons, which were properly executed and tendered in good faith, were rejected by AMEX without valid cause. This rejection discharges the debt according to UCC 3-604 ( a ). 

Furthermore, UCC 3-603 ( b ) states that if a negotiable instrument is tendered as payment and rejected, the obligor is relieved of any obligation to pay interest on the amount, and the creditor must return the instrument. Despite my requests, AMEX has failed to return the payment coupons, thereby violating this provision. 

AMEXs actions constitute a breach of fiduciary duty, as the company has an obligation to its customers to honor valid negotiable instruments as a form of payment, in accordance with their own SEC filings. By failing to do so, AMEX has engaged in deceptive practices, misleading me as an investor and customer. 

AMEX 's refusal to accept my valid negotiable instruments as payment, without proper investigation or resolution of the dispute, violates 12 CFR 1026.12 and 1026.13. These regulations require AMEX to promptly investigate and resolve billing errors, including disputes over the validity of payment instruments. AMEXs failure to address the core issue of my right to redeem the negotiable instruments and their reliance on an unsubstantiated claim that the payment coupon is not a valid form of payment violates these consumer protection regulations. 

Failure to address these issues satisfactorily may result in further legal action, including but not limited to, filing additional complaints with regulatory bodies and pursuing legal remedies for breach of fiduciary duty, deceptive practices, and violations of federal law. 

I trust that AMEX will take this matter seriously and rectify the situation promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

A rather unique situation occurred on XX/XX/2020. My brother in law used my desk top to apply for a credit card with US Bank. My information auto populated and he submitted the application. I wrote US bank informing them the application was submitted in error and to remove the inquiry from my credit report. US bank responded that they would not remove and if I believe my identity was taken to contact their fraud department. I responded with the letters enclosed with a signed statement from my brother in law that he made an error and proof that he has a XXXX XXXX XXXX XXXX. And again, to please remove the inquiry.