23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

THE COMPANY, MIDLAND CREDIT MANAGEMENT, PURCHASED A BAD DEBT FROM ANOTHER COMPANY THAT REPORTED THE DEBT AS A " CHARGE-OFF ''. THIS MEANS THE PREVIOUS THIRD PARTY COMPANY THAT MIDLAND CREDIT MANAGEMENT PURCHASED THIS BAD DEBT FROM, WROTE IT OFF AS A LOSS ON THEIR TAXES FOR THE YEAR. WHEN MIDLAND CREDIT MANAGEMENT PURCHASED THE BAD DEBT, THEY MADE AN INVESTMENT ROOTED IN FRAUD BECAUSE I WAS NOT MADE AWARE THAT MY PERSONAL INFORMATION WAS BEING SOLD OR SHARED. I HAD NO INVOLVEMENT WHAT SO EVER IN SAID TRANSACTION. THIS IS AGGREVATED IDENTITY THEFT ACCORDING TO 18 USC 1028A. 

According to 15 USC 3002, I am a natural person which means my name in all caps is not me. My name is XXXX XXXX. Pursuant to 15 USC 1692 ( a ) XXXX the term " Bureau '' is defined as the Consumer Financial Protection Bureau ; therefore XXXX, XXXX, and XXXX are assuming this role. They are only credit reporting agencies that assumed the role of collecting, selling, and sharing information without my written consent. 

On XX/XX/1933, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. Which mentions the following " ... ..every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts, is unconstitutional. '' MIDLAND CREDIT MANAGEMENT is in direct violation of 15 USC 1692e which states A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Debt is defined as any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment according to 15 USC 1692a ( 5 ). 

According to 15 USC 1692k will be held civilly liable for violation of my consumer rights, I am seeking compensation for damages or a countersuit will be pursued. I have proof of claim showing that MIDLAND CREDIT MANAGEMENT hired and shared my personal information with XXXX XXXX XXXX XXXX XXXX. who filed a suit fraudulently against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed : {$2000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX COL XXXX Balance Owed : {$160.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit card or prepaid card

I applied for the US Bank Cash + Rewards Visa credit card in XX/XX/2017 through a promotional link on US Bank 's website -- the information for the promotion was to receive {$150.00} bonus after spending over {$500.00} with the card in the first 90 days. I was approved for the card, it was mailed to me, and I used it well beyond the required spending amount to receive the promotion. I waited the appropriate amount of time before requesting information about the promotional bonus, and when I did request why my bonus was not applied to my account, I was given different information by different people, and finally when speaking with someone in a supervisory position over the phone I was informed that I would need to ''submit proof '' of the promotion I had applied for to a postal address or via email. I did inform them that there was no physical paper trail as this was an online application, and the only information I could provide was the link that I clicked through on the promotional offer page on their website ( please see attached screenshot ). US bank agreed that I had indeed followed all correct steps for the terms of that promotion, but continued to insist that I provide proof to them that I had applied for the promotion in the first place. I have spoken with them a number of times over the phone, emailed them, and am still getting this insistence that I should have ''paper records '' of an application that was made 100 % online, and they are even responding to my requests via postal mail with this same story. I have requested that someone escalate this and look into my actual account, and they have stated they will ''work on it and contact me '' and I have had no response other than the same request for ''paper records '' to be faxed or mailed to them. I would not have applied for this card outside of the promotional offer, and US Bank have absolutely taken advantage of me with false advertising for a bonus they refuse to grant -- they will not work with me on this and will not provide any further information to me about why. This company is operating under false advertising and are scamming customers into applying for products they do not want or need!
Product: Prepaid card

I have a {$250.00} Amex gift card that is being declined everywhere I try to use it. I can not find a single retailer that will accept this as payment in store or online. Amex says sometimes they block certain retailers to protect the funds but have not yet offered a solution.
Product: Checking or savings account

I been a client of Chase bank for the past 7 Years and now they are closing my 3 accounts without a justify reason, they said is " confidential ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, 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 XXXXXXXX XXXX Balance : -XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : XXXX XXXX XXXX Balance : -, XXXX XXXX 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
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I called the company to pay off my loan ; they took my information and we agreed for the final payment to be taken out of the same account my auto payment had been for the past few months ; payment was processed and I received the email confirmation. On XX/XX/XXXX the payment had not been deducted so I called to see what the issue was ; they claimed the employee who processed the payment hit a wrong number so it did not go through ; they attempted to charge me additional interest for payoff until I raised a storm cause it was there fault ; the agent backed off and went back to the same payment from the XX/XX/XXXX days. The payment has still not gone through and I have the funds in the account waiting. I want them to take the payment so I can be done with them ; but they are making it very difficult and I feel its game to just collect interest
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a letter to XXXX. They had over 60 days to investigate and said I would receive a response by XX/XX/year>. They did not delete or send any information yet.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act account # XXXX XXXX XXXX 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 has violated my rights.

15 u.s.c1681 section 602 A.STATES I HAVE THE RIGTH TO PRIVACY.

15 u.s.c1681 section 604A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTTEN INSTRUCTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX XXXX dated XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was negative accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I has a negative that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these negative accounts, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the Better Business Bureau . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.
Product: Credit card or prepaid card

Citibank recently initiated rules barring its business customers from certain legal XXXX sale activity. This is a non-government entity, saved from disaster by taxpayer dollars, acting as a law-making body and thereby violating the U.S. Constitution. 

As a XXXX member, I have a Citibank credit card. My choices are to cancel my XXXX membership or continue to do business with a company that seeks to restrict my rights.
Product: Credit reporting or other personal consumer reports

I have contacted Experian multiple times about this issue and problems, There is a XXXX  XXXX being reported on my credit report I have provided documents supporting my claim and I have provided the information to Experian, I even contacted the 3rd party source XXXX that Experian uses to obtain their information. XXXX advised me and also sent me a letter advising there is no XXXX XXXX being reported in there system as well why is Experian still reporting a XXXX XXXX on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In previous correspondence to the CFPB, Transunion stated that they started an investigation on my credit file regarding my dispute with XXXX XXXX. Recently I received a credit reported dated XX/XX/XXXX - two days after XX/XX/XXXX as noted by Transunion in response to my previous CFPB complaint. 
This updated report dated XX/XX/XXXX shows a XX/XX/XXXX late payment - this is inaccurate! How can XXXX report a late XXXX payment when the account was paid off in XXXX on XX/XX/XXXX? The credit report also shows a balance of {$780.00} with a past due of {$750.00}. Where is this coming from? This is all completely inaccurate on my credit file. I have provided Transunion with proof of payment IN FULL from my insurance company in XX/XX/XXXX as well as the payment history on that account. FCRA states that the credit bureaus are responsible for ensuring that accurate and ONLY accurate information is reported. Transunion is allowing this creditor to report multiple errors at different times to my credit file. As the credit bureau Transunion IS NOT ACTING in accordance with the FCRA to protect my consumer file. I have attached the most recent update Transunion mailed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Convergent inquiries : XXXX XXXX XXXX, XXXX, 2021 XXXX XXXX XXXX XXXX, XXXX, 2021 XXXX XXXX XXXXXXXX, XXXX, 2021 XXXX XXXX XXXX XX/XX/2021 XXXXXXXX XXXX XXXX  XXXX, XXXX, 2021 XXXX XXXX XXXX XXXX, XXXX, 2021 XXXXXXXX XXXX XXXX XX/XX/2021 have violated my rights. 

15 U, S.C 1681 section 604 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

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in Wagner v. Trans Union Corp., No.95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violate my rights 15 U.S.C 1681 section 602 A.

States I have the right to privacy. 15 U.S.C 1681 Sect
ion 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions|
Product: Credit card or prepaid card

XXXX XXXX XXXX website has been down for months, therefore you can not see your account ( i.e. transactions, applied payments, balances, etc. ) Forgot password method does not work and customer services response is always, We are experiencing trouble with the site. This has been the case for months. I asked for a mailed statement and there was one sheet of paper in envelope that was mailed, with no statement. I have no clue if something shady is going on with my account because I can not see it. Looking at reviews other customers are having same issue with payments not being applied. So far, I have been paying by phone which Im assuming it is being applied. Please help! This is ridiculous.
Product: Debt collection

Because I was operating a short term rental, a {$10000.00} fine was imposed on me. Without notice, I was contacted by Aargon Collection Company to pay the debt. I was offered a reduction in the fine of {$5000.00}, but later learned that that was only if I paid that amount right away. After constant and repeated calls even when I asked that they stop, I agreed to a payment plan thinking it would be for the {$5000.00}, but again, later learned that the financing would be for the full {$10000.00}. In order to stop the calls, I agreed to a payment plan and am currently paying $ 150 monthly. There has never been any written agreement provided so unfortunately do not have anything to provide. Everything has been verbal over the phone.
Product: Checking or savings account

XX/XX/XXXX,,, And 2 Months Ago Had Unauthorized Transactions On My Debit Card,, Had To Be Issued New Bank Card,, Was Never Sent A Letter To describe What Really,, Happened,, So UnAcceptable,,, And, XXXX Someone Enroll Me Into The Identity Theft Program Without Me Even Authorizing This,,, And,, XXXX,,, Charge Me Overdraft Fees,, Who Is Responsible For This,,, I'm So Disappointed With This Matter
Product: Debt collection

Repeated phone calls over a number of months from Harris Harris debt collectors requesting a call back. I've now blocked three of their lines. No explanation is given for the calls. I'm not about to call some outfit that I do not know without good reason. I have no delinquent or long term debt, including car loans or a mortgage. 
Jail might be a good place for these characters. 
XXXX is the requested callback number. 
Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I expect expedited removal of the Fraud Alert on my Experian, XXXX, and XXXX Credit Report.
Product: Checking or savings account

I had an opened dispute with Citibank for the charges {$4000.00} from the merchant XXXX XXXX XXXX back on XX/XX/XXXX. And I had multiple supporting documents where it shows this company is scam and they were selling defected and wrong product. Citibank had all my supporting documents and all these months I was hoping they will resolve this fraudulent charge and they will credit back the amount to my account but after 8 months dealing this problem with merchant and with Citibank I got a letter from Citibank on XX/XX/XXXX where it says they are closing the dispute and I'm responsible for this charges. 

Me and my sister had the same problem with the same merchant and my sister had a XXXX XXXX account and she opened the dispute with her bank at the same time as i did and we both had the same supporting documents and proofs, she got her money back already a long time ago and her case was closed in her favor but my bank, Citibank, within these 8 months didn't give me any reasonable explanation why they couldn't resolve this issue in my favor. 

Please investigate this matter and if you need any additional information please contact me at XXXX. 


Attached you'll see all supporting documents for this transaction. 


Best Regards XXXX
Product: Checking or savings account

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to report a fraudulent transaction involving HSBC and to request your assistance in resolving this matter. 

On XX/XX/year>, a transaction of {$200.00} was posted to my HSBC checking account without my authorization. Upon discovering the charge, I promptly took the following actions : 1. Contacted HSBCs customer service on XXXX XXXX to report the fraudulent transaction. 
2. Requested an investigation into the unauthorized charge.

3. Took steps to secure my account, including updating my security credentials.

Despite these efforts, HSBC has not yet provided a sufficient explanation regarding the classification of the fraudulent activity, nor have they refunded the disputed amount.

I kindly request the CFPBs assistance in ensuring that HSBC clarifies the nature of the fraudulent transaction and issues a full refund of the unauthorized charge.

Please let me know if you require any further information or documentation to assist with this complaint.

Thank you for your attention and assistance. 

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

On XX/XX/2021, XXXX XXXX made a hard inquiry on my transunion credit report. This was not authorized by me.
Product: Credit reporting or other personal consumer reports

I recently noticed a fraudulent account has been inserted into my credit report. This account needs to be removed because is a result of identity theft, and I would like to dispute its insertion. Please provide documentation proving the legitimacy of this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I signed up for a free trial, then turns out -- it's basically impossible to cancel. They make it incredibly easy to sign up online, but -- unlike every other business I've ever interacted with in the 21st century -- they will not allow you to CANCEL online. You have to call this one number, during very specific hours, during which I, like most people, work. This is an unfair and predatory practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction or removal of the erroneous information about my account has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date, XX/XX/2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting unverified information. Below are the items that are still reporting on my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX A ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I contacted the collection agency requesting validity of the date. They did not provide any information to me in the updated a payment on the account which did not come from me. The account is fraudulent.
Product: Student loan

I have been unable to access my account, file a complaint, or raise concerns about how my information has been handled during key date and times of the cybersecurity attack. On approximately XX/XX/XXXX, the US Department of Education was unlawfully accessed and consumed by XXXX XXXX and his unofficial team. I did not, and at no point now or in the future, consent to any third parties access to my information outside of the US Department of Education. Since the event occurred, any and all access to my account and complaint and concern avenues have been blocked from access. I believe that the events listed have been a violation of the Gramm-Leach-Bailey Act ( GLBA ), the Privacy Act of XXXX, Computer Fraud and Abuse Act ( CFAA ), Federal Trade Commission Act ( FTC Act ), and Higher Education Act ( HEA ), Title IV and I want this investigated to the fullest extent of the law. If these laws are confirmed to have been violated, I would like legal action to be taken on any affiliated members or institutions and for them to be persecuted to the full extent of the law, for my consumer protections to be resumed, for any impact of such lawbreaking to be rectified by parties who broke the law, and for any remaining balance of these loans to be canceled and discharged to prevent further damages.