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

This is my other 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 alleged fraud or extortion. 



XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$300.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; 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 XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX CFPB, My information was sold and bought illegally. I was a victim of the Equifax data breach. I want these items deleted from my credit report immediately. I attached proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my consumer credit reports. 
Thank you!
Product: Checking or savings account

Title : Request for Letter of Indemnification to Assist with CFPB Case RE : Closed CFPB Complaint with JP Morgan Chase Bank XXXX XXXX XXXX Dear Chase Executive Resolution Support Team, I hope this message finds you well. I am writing to seek your assistance in a matter that has recently been escalated to the Consumer Financial Protection Bureau ( CFPB ). As you are aware, my business account with Chase, which is now closed, was involved in a complex situation relating to a wire transfer to XXXX XXXX 

Background : As part of the resolution process for the CFPB complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have been advised to request Chase Bank to provide a " letter of indemnification. '' This letter is intended to be forwarded to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to facilitate the resolution of this ongoing issue. 

Request : I kindly request that Chase Bank drafts and provides a " letter of indemnification '' concerning the wire transfer issue from my Chase business account. This document is crucial in clarifying the circumstances and assisting in the resolution with XXXX XXXX 

Supporting Documentation : For your reference and to aid in drafting the letter, I am re-attaching all relevant source PDFs that outline the details of the situation. Additionally, the account notes on my now-closed Chase business bank account should provide further context and information required to accurately reflect the scenario in the letter of indemnification. 

Urgency and Importance : Given the ongoing nature of this case and its impact on my business operations, I would greatly appreciate a prompt response to this request. The issuance of the letter of indemnification is a critical step in resolving the complaint and mitigating the financial and operational challenges that have arisen as a result. 

Thank you for your attention to this matter and for your continued support in resolving this issue. I look forward to your prompt and positive response. 

Sincerely, XXXX XXXX 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: Mortgage

This complaint is for a refinance I've completed with New Day USA back in XXXX of XXXX. I was constantly receiving tons of mail from this company to refinance with them. They also sent cards pretending to be from XXXX XXXX XXXX  ( my old mortgage company ). It would state that I had funds I could recover if I contacted the number on the card. I contacted them, and they made all of these promises to improve my finances and credit. They also pressured me hard to take out equity loans. I caved in because I thought it would genuinely help me. They promised me once the equity is paid off within my mortgage, the monthly payments will decrease and so will my mortgage balance. That turned out to be a lie, and every time I tried to ask them about it, they would brush me off. 

Because I screwed up and refinanced with New Day USA, my mortgage payments are extremely high compared to my old mortgage. This is taking a toll on me financially. I then tried to set up biweekly payments with them to somewhat relieve my financial situation, but they wanted me to pay an advance. I paid that and set up the biweekly payments for the same month. When I realized the second withdrawal was a few days before I got paid again, I contacted them to see if I could adjust the dates. They stated they would have to set me back to a monthly payment, and if I wanted to set up the biweekly payments again, they would need another advance. My bi-weekly paycheck is only {$2100.00} and the mortgage payment is {$2300.00}. It eats up my entire paycheck and more. I'm at my wits end with New Day! They claim to help veterans and they do the exact opposite. I should have never let them pressure me into this situation. 

I don't want this company to prey on any more veterans. I don't want them to end up like me with an expensive mortgage I can barely afford because of misinformation and aggressive sales tactics. This is the first home I've ever owned, and the experience is now ruined for me. I should have done more research before making this mistake. I am so embarrassed and ashamed. After doing more research, this company has countless bad reviews from veterans with similar experiences as me. They have gotten in trouble for their aggressive sales tactics, high interest rates, and fees. Most of the positive reviews were most likely fabricated. I think they're even banned from doing business in some states. 

I am currently refinancing with my old mortgage company to get away from them. Sorry this is a lengthy message, but I just wanted to inform you of what's going on. 

I also reported to this issue to my state 's attorney general 's office.
Product: Debt collection

On XX/XX/2020 XXXX XXXX with Radius Global Product called my mother, XXXX XXXX at XXXX XXXX XXXX, asking for XXXX XXXX XXXX XXXX. They were told this wasn't our phone number and were hanged up on twice. 

On XX/XX/2020 XXXX XXXX called Mrs. XXXX again. This time they were told that XXXX and XXXX XXXX were not there and that wasn't our phone number. Mr. XXXX said that he was collecting a debt for XXXX XXXX and said the estimated amount of the debt was {$30000.00}. 

Beyond asking for information about persons location a debt collector is not permitted in the Fair Debt Collection Practice Act to provide any information regarding the debt to any person other than the person they believe owes the debt. 

I called Radius Global Product to gather information about the caller. MrXXXX XXXX freely discussed the debt until I asked for the name of the person who called Mrs. XXXX earlier and provided information to someone other than person who they believe owes the debt. Mr. XXXX, once confronted with this question, began asking if I was XXXX XXXX. I advised that I would complain to FTC / CFPB, about this incident and again if any other persons are contacted. 

The phone numbers used by Mr. XXXX for the calls were XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN - XXXX AFNI Collections XXXX XXXX XXXX XXXX, Il XXXX Account # XXXX I would like to file a complaint because AFNI collections added this account ( XXXX ) to my credit report without notifying me in writing or any other form of communication. They claim I owe {$980.00} which I have requested information on how I owe this amount and the dates to which they say I owe. I have not received any information about how I owe this amount and for which dates they say I owe. I did not apply for credit nor receive credit from this provider on the dates on my credit report.
Product: Debt collection

XXXX is attempting to collect debt from an XXXX account that was opened under my social security number. This account was opened up using address XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. I have lived in TX all my life.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I XXXX XXXX recently received a copies of my consumer reports ( XXXX, XXXX, Equifax ) and I noticed some late payments posted on my consumer report.This company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment.. 

Accounts XXXX XXXX XXXX XXXX ( Account number XXXX ) XXXX Late Payment XX/XX/2023 2023
Product: Credit card

I previously filed a CFPB complaint about this issue. My complaint was supposed to be handled by XXXX XXXX at Truist. XXXX never responded to my complaint. I believe XXXX has violated the 45 day rule. 

Truist applied for a different type of line of credit than what I was told I was being applied for. I showed up with funds to create a secured card. They applied me for something entirely different and they have cause harm to my credit report. 

They have disregarded my first complaint and refused to make corrections to my credit report. Truist refused to communicate with me during this complaint process. They never attempted to resolve the issue. They actively ignored my emails and calls and voicemails. 

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

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report. 

XXXX XXXX {$12000.00} XXXX XXXX XXXX {$19000.00} XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$450.00} XXXX  XXXX  XXXX {$1500.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX {$9200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter back in late XX/XX/XXXX stating that I was late on my payment and incurred a late fee. I ignored it because I thought it was an error since my payments are never late. I received another letter about a month later and this time it showed that I incurred a late fee. I became concerned and contacted Wells Fargo where I spoke to a rep, who after reviewing my account, mentioned that one of my payments wasn't applied properly due to when it was received. at first I questioned why was that the case when I am used to paying the same time every month and it was never an issue and informed her that my payments are on a recurring schedule set from the very first payment. I was told that they will fix the issue and reverse the late fees. I thought the issue ended there, but only received yet another letter stating the same thing. I contacted them again and was told the same information as the first call and the rep said the issue would be fixed. Needless to say, I called a total of 4 times ( twice on XX/XX/XXXX, once on XX/XX/XXXX and once on XX/XX/XXXX ), after receiving two more letters and still the problem hasn't been fixed. As if this wasn't bad enough, they reported these erroneous late payments on my credit report, causing my score to tank significantly! I immediately called upon notice, but was unable to be helped because the " business dept '' was closed. I requested for someone to call me immediately on the next business day and have yet to receive a phone call. I am in the middle of a home purchase and this has changed the entire outcome of my situation and may even leave my family and I displaced, as we can not move forward with our purchase and have already given notice to our current landlord. My scores have dropped 44 points on XXXX, 38 points on XXXX and 26 points on XXXX due to their negligent handling of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Debt collection

They call all day everyday Ive considered changing my phone number. I did not give them any of my information and it was obtained illegally. According to 15 U.S.C. 1692c ( c ), if a consumer notifies a debt collector in writing that they refuse to pay a debt or wish the debt collector to cease further communication, the debt collector must stop contacting them regarding that debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate and verifiable credit information. I need that you eliminate this late payment on these accounts because they are reported wrong. You should corroborate your information and remove the negative information on this account. Can you please let me know how you verified this information? Now if it was just a clerical error ( which does happen all the time ) then this is your chance to fix that error. 

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

When I checked my credit report this new company is now showing up under collections and I have never heard of them before. Company name MIDLAND CREDIT MANAGEMEN and its list twice. First amount {$1400.00}, second amount {$1300.00}
Product: Credit reporting or other personal consumer reports

I am writing this letter to convey my deep dissatisfaction and disappointment with the manner in which your bureau has responded to my identity theft complaints. This issue encompasses not just the theft of my personal data but also the apathetic approach exhibited by your bureau in managing my situation. As a victim of identity theft, I have been forced to endure significant hardships, both financially and emotionally, due to the actions of my ex-wife, who maliciously stole my identity and used it to open unauthorized accounts, make fraudulent transactions, and tarnish my credit history. I provided all the necessary documentation to prove my innocence and the criminal nature of the actions. Despite the gravity of the situation and the profound impact it has had on my life, the response from your bureau has been alarmingly lackluster. I have received minimal communication regarding the status of my disputes, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the very institution I relied upon to protect my credit and financial well-being. I request the deletion of the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

The information about a collection bill is not mine there is only XXXX and it dropped my credit drastically I have never received any info about this collection bill and about XXXX days ago it showed up on my report
Product: Credit card

I am writing to file a formal complaint against Apple Inc. and Goldman Sachs regarding the limitations placed on the Apple Card. My concerns are as follows : Access Restriction Without Apple Devices : As a holder of an Apple Card issued by Goldman Sachs, I find myself unable to access my digital card number unless I possess an Apple device ( XXXX or XXXX ). The physical card does not display the card number, and customer service has confirmed that the digital card number can not be provided through other means. 

Limited Usability : This restriction effectively limits my ability to use the card for online transactions. While I understand the card is designed to integrate with Apple devices, this policy unfairly penalizes users who do not own or have stopped using Apple products. 

Discriminatory Practice : The practice of restricting access to ones own card number based on device ownership seems discriminatory. It forces consumers to remain within the Apple ecosystem to utilize their line of credit fully, which is unreasonable and restrictive. 

Transparency and Communication : The lack of clear communication regarding these limitations at the time of signing up for the card is concerning. Customers should be fully informed of all limitations and requirements for accessing their card information and benefits.
Product: Credit reporting or other personal consumer reports

Balance on my credit card take way too long to update! shows 24 % credit use. Is really 5 %.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint due to multiple unauthorized and inaccurate items appearing on my credit report, which violate my rights under the Fair Credit Reporting Act ( FCRA ). These items include unapproved collection account, charge-off accounts. Unauthorized Collection Account The collection account reported by XXXX XXXX XXXX ( XXXX # XXXX ), XXXX XXXX XXXX XXXX # XXXX ), were not agreed upon and violates 15 U.S. Code 1681s-2 ( a ), which requires furnishers to report accurate data. Charge-Off Accounts The charge-off accounts listed below were reported without my consent and fail to meet FCRA standards under 15 U.S. Code 1681i and 1681e ( b ) : XXXX  XXXX ( XXXX # XXXX ), XXXX XXXX XXXX # XXXX ), XXXX ( XXXX # XXXX ), US DEPT ED ( XXXX # XXXX ) - {$9600.00}, US DEPT ED ( XXXX # XXXX ) - {$4000.00}, US DEPT ED ( XXXX # XXXX ) - {$4600.00} , US DEPT ED ( XXXX # XXXX ) - {$8100.00}. I request an immediate investigation and removal of these items to ensure the accuracy of my credit report, as required under federal law. These inaccuracies are unfairly damaging my creditworthiness and limiting my financial opportunities. Supporting documentation, including my FTC identity theft report ( FT number XXXX ), is attached for reference. I trust you will address this matter promptly and ensure compliance with the FCRA. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taking advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, and also I can not apply for credit. I can't even get a sba loan due to the pandemic under the crisis ypou have hurt my ability to obtain credit.
Product: Credit card or prepaid card

Comenity Bank website and customer service not a available for a week. Unable to retrieve account info or make a payment that is now past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit reports in XX/XX/XXXX, I requested assistance in resolving continued negative credit bureau reporting that my loan is both 120+ days late, in collection or other negative reporting, all while being discharged under the XXXX XXXX XXXX XXXXXXXX ( XXXX  ) in XX/XX/XXXX, with a current XXXX balance due indicated. 

My XXXX  XXXX XXXX account, listed by the credit bureaus, continued to report false information, while the credit bureaus claim is the direct results of updates from XXXX XXXX XXXX. It is being reported that my account is 120+ days late in XXXX ( Equifax ), after the XXXX XXXX XXXX XXXX ( XXXX  ) discharge process in XX/XX/XXXX. 

My U.S. Dept of Edu account, listed by the credit bureaus, continue to report false information, while the credit bureaus claim is direct results of updates from U.S. Dept of Edu. It is being reported by XXXX, XXXX  & Equifax that my account is 120+ days late in XX/XX/XXXX. The Equifax status under XX/XX/XXXX is " CO '' and under XX/XX/XXXX is " 120 ''. All of this, after the XXXX XXXX  XXXX XXXX ( XXXX ) discharge process in XX/XX/XXXX. 

After attempting to find a solution by contacting numerous entities, I was unable to achieve a clear or timely response as to the responsible department ( s ) for reporting a veterans credit status, post-approval of the XXXX XXXX  XXXX XXXX ( XXXX  ) discharge process. 

Offices contacted include : Dep of Edu XXXX XXXX XXXX XXXX ( prompt 1 w/SSN ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( prompt 1 w/SSN ) Debt Mgmt XXXX XXXX XXXX XXXX ( prompt 0 w/o SSN ) I look forward to this matter being completely resolved by the immediate correction/update to my XXXX, XXXX  & Equifax ; where this reporting is in error. 

Respectfully, XXXX XXXX veteran Thursday, XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I was treated horribly poorly at their branch they refused To let me have or open a deposit Account checking claiming I have something wrong on chexystems refused to give me more information and advised to call them I have nothing wrong or on chexsytem so why am I being denied an account
Product: Debt collection

I have sent LOADS of proof of incorrect owing plus you are a 3rd party which is a violation and I will be pursuing this in court if it isn't removed from all reports Plus collecting for violations : FDCPA 15 usc 1692 ( c ) c It's showing as open & past due which doesn't even make since if it's a closed collection account and it's been over 30 days with no fixing it which is violations of 15usc 1681e!

15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY And under XXXX XXXX XXXX " debt '' isn't even real I can't owe what I lend out via my straw man this is my last attempt to fix this issue before I sue
Product: Money transfer, virtual currency, or money service

I am XXXX yrs old and live on a budget. On Saturday the XXXX or XXXX. Someone was able to make 10 charges to my account. At first, i thought my XXXX yr old grandson did it because he just got a phone. Then when they said it came from a XXXX XXXX??? I have no games and neither does my grandson. I dont know how someone did this??? I closed my bank account and my bank feels that XXXX should refund the money they got!!! Any help??? XXXX XXXX for acct # issue XXXX.