23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I received an update from XXXX  stating that my past due history increased for XXXX from 96 % on time to 100 % on time history. I reached out to XXXX and asked that since this had been updated for XXXX, to please update to the other bureaus. The first response I received regarding this new request was around XX/XX/XXXX and it stated that in XXXX I had already requested to have the payment history updated and the information remained the same. They also deleted the current payment history from XXXX. I sent another request to the executive office and was advised by them that their decision to update my past due history to current has not changed based on the investigation in XXXX, this apparently did not address my concerns. Did they not see the inquiry from XX/XX/XXXX? 

XXXX has been the best card and I now feel like Ive been mistreated and discriminated against. Ive explained in the past that the payment was a simple mistake and my husband was in the hospital back in XXXX and I spent many days in the hospital and just forgot to make the payment on time. Neither agent investigated the fact that one of the bureaus is reporting XX/XX/XXXX as current as of XX/XX/XXXX. I only asked XXXX to update it based on that and as a goodwill. However, they deleted the current information from XXXX, how distasteful. No proper investigation has been done because if it did I would have a new response regarding why XXXX  is reporting all past due history as current and the others not. Instead Im given generic responses and investigation has been done. My consumer rights have been violated and Im sure it will fit under a UDAAP regulation and Fair Lending.
Product: Debt collection

F.H. CANN & ASSOCIATES , INC. threatened to XXXX, and XXXX  my XXXX if I didn't pay this debt, I ask them to submit proof that I owe this debt, I was told I would lose my job and they would take my home.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Data Breach Under 15 U.S.C. 1681 To Whom It May Concern, I am writing to formally notify the Consumer Financial Protection Bureau ( CFPB ) of a recent data breach in which my personal information, including my Social Security number, was compromised. This breach violates the Fair Credit Reporting Act ( FCRA ), as outlined in 15 U.S.C. 1681, which protects consumers from negligent handling of personal and financial information.

The data breach occurred through Equifax Consumer Services LLC, which I believe failed to exercise reasonable care in protecting sensitive consumer data as required under the FCRA.This breach places me at serious risk of identity theft and other fraudulent activity, and I am deeply concerned about the potential misuse of my information.

Under 15 U.S.C. 1681 ( b ), entities handling consumer information must ensure the security and confidentiality of consumer data. Additionally, under 15 U.S.C. 1681n and 1681o, entities may be held liable for willful or negligent violations of the FCRA, including failing to properly safeguard sensitive personal information.

Despite my efforts, the breach has caused significant XXXX  and disruption, and I seek your assistance in ensuring that the responsible entity is held accountable under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus XX/XX/2022 to update this suspicious information. I think you 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 and I'm including it again. 
XXXX XXXX XXXX XXXX : {$110.00} XXXX XXXX XXXXXXXX XXXX : {$910.00} XXXX XXXXXXXX XXXX XXXX : {$170.00} XXXX XXXX XXXX XXXX : {$570.00} XXXX XXXXXXXX XXXXXXXX XXXX : {$340.00} XXXX XXXX XXXXXXXX XXXX : {$230.00}
Product: Checking or savings account

On Friday XX/XX/XXXX a check for a company called XXXX I applied for an application was sent to me. I had some doubt about the validity of the check and decided to call Huntington Bank which is who I bank with. I called the fraud number that is provided through my banking app and started off the call telling the representative I want to report a fraud check. I then told him the situation and why it is a fraudulent check. The representative then told me to hang on the line to explain why he does some research. After a few minutes he came back and told me that the check was not a fraud, and everything checks out on it. I Then asked if the check would bounce or not go through, but he replied and said I am positively sure this is a real check from this company, and it will not have any issues. So, since I had gotten confirmation from the bank, I decided to send the money to the company I received the check from. I decided to only send {$1500.00} until I received more formal writing from the company. After I did not hear back from the company, I decided I would call the bank the following Monday XX/XX/XXXX, but it was XXXX XXXX XXXX XXXX, and they were not open. The next day, XX/XX/XXXX was a busy schedule day for me, so I was going to make the call XXXX  XX/XX/XXXX instead. But evening on XXXX  I received a message from the bank telling me my account has been overdrawn by {$1300.00}. I then found out they have a XXXX hour phone line and decided to give them a call to explain my situation. While talking to the representative I again mentioned I want to start a fraud case for this he told me this might not even be fraud, and I should call another sector of the bank tomorrow when they open up. I then proceeded to the bank this afternoon to further explain my situation and also try to contact someone who can start a fraud case. After doing a walk-in to the branch I was told to call the customer care center to resolve the issue. After calling customer care they then directed me to pay the amount that was withdrawn from my bank account. I again asked the representative how I can talk to someone in the fraud department. The rep said to me the fraud department does not speak with customers. I have taken multiple steps in contacting the Huntington bank to determine if the check I had received was fraudulent and I have tried multiple steps to ensure this would not come back on me or my account as a negative and was told it was good from the Huntington bank. Now that they say it is my fault, and I should not have sent the money, I would like to file this complaint on my behalf. I am also mentioning this police report as a reference. XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my EIGHTH written request for Method of Verification. Your company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB, XXXX, Attorney General, and Secretary of state. These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be Deleted Immediately. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section XXXX ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified XXXX Mail tracking in case needed to pursue further legal action. I demand the following accounts be removed immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This is my final warning. I am currently working with a law firm to sue the three reporting agencies and especially the consumer finance protection bureau for all your negligence in this matter! I Demand these accounts are deleted immediately or you will be hearing from my lawyers!
Product: Credit card or prepaid card

I have an American Express card with reward points based on purchase. After reaching the required total purchases amount for the year, the card pays back 5 % on gasoline purchases. In reviewing my reward statements, I noticed that while the card was paying the 5 % on most gasoline purchases, it was paying the minimum of 1 % on purchases from the XXXX XXXX gasoline purchases. I reviewed all the monthly statements, and there were ten occasions where I had received 1 % back instead of 5 % back. I contacted the service representative for American Express who looked it up and saw the XXXX XXXX was listed as a convenience store, not as a gasoline station. I pointed out to the service rep that each of the purchases would show something like 14.567 gals @ {$2.00} a gallon. The customer service rep stated it didn't matter what the terms of the credit card agreement was, if the retailer had the business listed as anything under than a gas station, American Express would not honor the the credit card agreement on the reward points. While the dollar amount of reward points is small, {$1400.00}, it is unfair of American Express to not honor the credit card agreement on points to be paid on gasoline purchases. If American Express is defrauding other customers this way, it should be stopped.
Product: Credit reporting or other personal consumer reports

Ive been in contact Equifax, XXXX and XXXX in hopes of getting XXXX XXXX accounts removed from my credit report, these accounts belong to someone else that live in my household that has a similar name as well as similar phone number and the continue to say they have verified them as being mine and refuse to submit how and wh they verify the information with Ive just received a letter from Equifax where they are refusing to remove or even reinvestigate
Product: Debt collection

XX/XX/XXXX Notified by XXXX that a collection account was placed on my credit report by Spring Oaks Capital LLC - referencing that the collection account was opened in XX/XX/XXXX XX/XX/XXXX Sent certified letter to Spring Oaks Capital LLC advising that the debt was not mine, and that I was never notified or advised of the debt in XXXX or to the current day XX/XX/XXXX Received a letter from Spring Oaks Capital LLC XXXX XX/XX/XXXX - attaching a copy of a statement, as well as court documents showing a sale of debt - with multiple redactions. 

My name or information is not referenced in the court documents- nor is a credit card statement evidence of debt.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE Kindly address the immediate removal of the fraudulent inquiries from my credit report, as they were not authorized by me and are causing considerable distress. These accounts were neither initiated nor approved by me, and it is unjust for me to be held accountable for them. I implore you to swiftly rectify this matter.
Product: Checking or savings account

JP Morgan Chase Bank is wrongfully holding a deposit of mines that cleared on the XXXX of XXXX. The deposit is from a company for a settlement I received from being injured that left me XXXX XXXX. Ive been waiting 4 years for this settlement. They restricted my account as soon as the check cleared. Then recently closed my account and are holding my money. This is so wrong and unethical on so many levels. They keep saying they need to verify the check and mind you the check had been cleared the other bank. I hate to think its because of race as if someone of my race couldnt receive a large deposit as such. I have never experienced anything like this with a bank. Chase bank is horrible to do business with and I wouldn't recommend them to anyone!!! If the money isnt mine then why havent they sent it back to the issuing bank? I have also filed a complaint with their executive office and Im looking to hire an attorney to get my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

During my time of XXXX, my identity was exploited and accounts were deceitfully opened in my name causing considerable turmoil and difficulties upon my release. The accounts are as follows : XXXX XXXX XXXX XXXX opened XX/XX/2019 - Acct number XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2019 - Acct number XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2019 - Acct number XXXX Even after my release my credit was still being compromised. I have disputed this with the bureaus and the creditor and I've yet to get any satisfactory results.
Product: Mortgage

I filed a complaint with you in XXXX against bsi financial.i have a letter stating they corrected the informations and corrected my mortgage payment. I paid per the letter XXXX for XXXX as I have an adjustable rate which changes in septemer the letter that was sent to you to correct the problem seams as if it was just to correct the problem of the mortage payment for XXXX month. I just received a statement showing I know owe XXXX per month.it seams to me they are looking to make me default on the loan .I cant understand why this has changed .this is a company that is very deceptiver ceptive with the practices on my mortgage. I am tired of trying to be taken adva antage of .I will continue to file complaints with you .as you do get results from this company. you can not just call and try to resolve anything with their custom er service..this is such a unprofessional co to deal with.how could they owe me XXXX check # XXXX and then up my payment XXXX $ per month.this com pany should not be in business. 
service.
Product: Credit card

My account has been closed since XXXX of XXXX  but yet I have somehow been accruing numerous late fees the past several months. How is ethical or make sense for a business to be charging you late fees and interest on an account that is not even no longer open? I cant even tell what I originally owed due to the huge amount of late fees. I have no problem paying if I owe an actual balance but I should not have to pay late fees on a closed account. I was not even aware of this until recently due to the credit alerts about late fees added to my report. So instead of helping my credit, you are purposely hurting it by being money hungry and charging fees on account that is not open. Make it make sense. Never in my life has a credit card company done this. If this continues, I will take legal action.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I don't want this on my report XXXX it hurts my credit history and it's not mine.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX of XXXX bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As 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: Prepaid card

I received a {$100.00} American Express gift card. Today, XX/XX/year>, I tried using it in XXXX places ( XXXX, XXXX, XXXX, and a medical bill ) and they were all declined. I called the American Express gift card phone number. They transferred me to a different department where I was put on hold waiting for an agent for XXXX minutes before I hung up. I can not find a way to fix this problem online. They will not replace it unless I sit on the phone for an unknown amount of time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXX credit Bureaus after I purchased a credit report in XXXX After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance XXXX {$35.00} ; XXXX  XXXX Balance : {$33.00} ; XXXX XXXXXXXX Balance : {$35.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$100.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Credit reporting

After obtaining free annual reports for XXXX and XXXX, I was inexplicably locked out of the request process for Experian before the identity verification process started. I called the number listed for Experian on the lockout page, but was unable to get past their automated system. I found another customer service number for Experian, called it, got through to a human, who collected all my personal information, but me on hold for " two minutes. '' After I had remained on hold for about two minutes, a recording advised me that my call would be disconnected, which it then was.
Product: Debt collection

Kay Jeweler XX/XX/2016 {$510.00} This account is an result of identity theft. I had no knowledge of this account. please investigate. I had no such luck with the company.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I informed the employee at XXXX that I was unable to pay the entire balance of the loan. She giggled and shrugged at me. I reiterated to her that the check should not be cashed because it would be rejected as NSF. After I left the store, I received multiple calls from them back to back but I was not in the right headspace to talk to the person who had so rudely dismissed me when talking about a serious financial issue. On XX/XX/XXXX, a XXXX employee changed the date of the check, without my agreement, and attempted to cash the check. It was rejected due to insufficient funds. I then requested a stop payment be issued for the check so I would be able to pay my rent and electricity bill. 
Today, XX/XX/XXXX they attempted to cash a different check for the same amount that I did not sign or otherwise authorize. I do intend to pay the balance as soon as I'm able but I will not pay until they can guarantee they will not attempt to cash fraudulent checks in the future.
Product: Debt collection

I regularly receive calls from " Portfolio Recovery '' regarding a XXXX XXXX XXXX debt. I have previously verified with them that the last XXXX of the SSN they have on file is not mine and that the names do not even match, but they continue to call, including on a weekend morning ( today XXXX XXXX, 2016 ) before XXXX, waking my household. The supervisor today was " XXXX XXXX. '' They have clearly failed to demonstrate even a modicum of due diligence in confirming that the phone number they continue to call matches the name and SSN of the person they are attempting to contact, even after being informed of this.
Product: Debt collection

I am writing to request the method of verification for dispute initiated on XX/XX/2022 and subsequent response received on XX/XX/2022. 

Please send the following information used to verify the validity of medical bill 1. The name of the original creditor 2. Original creditors address and telephone number 3.The person 's name they verified the dispute with 4. The documentation used to verify the dispute In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending this information you can reopen the disputes and ensure a proper investigation is performed. 

I would appreciate a timely respone outlining the steps that will occur to resolve this matter. If i do not receive a response I will have no choice but to exercise my right under FCRA section 616, and pursue legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # 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 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. 16815-2 ( A ) ( 1 ) A person shall not furnish
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. 

XXXX XXXX {$0.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$100.00} ( XXXX XXXX ) XXXX XXXX {$0.00}
Product: Student loan

As of XX/XX/XXXX when the rules for PSLF where changed I now qualify for forgiveness.I have spend HOURS and HOURS on hold with fedloan. I then get an email saying I have only made one qualifying payment. I waited on hold for an hour again and was diverted to someone who didn't know pslf information. They said I was diverted due to high call volume. This seems to be making it absurdly difficult to take advantage of a program meant to help people like me. I am furious and have no way to get help from someone.