23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have two accounts with American Express ( see attached documents ) for over 10 years. Many years we have had a good relationship with each other. I have never had a late payment with them.

I got sick with the virus. Afterward, I went back to work and soon lose my job because of the Corona virus. I called the credit company and tried to keep them updated on my situations at least twice per month. It has been 9 weeks since I applied for unemployment in XXXX. I am still waiting to receive my unemployment money. 

The customer service people was not helpful or pleasant at all with my present hardship. I was told that there was no " Hardship program '', or help that they could give me to meet my present budget, lower my interest rate, or remove the high monthly late fee. My credit card was closed recently, and I am still trying to work something out with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. And I also have a alert on my credit report to contact me when applying for credit to make sure it's me. And I have contacted the berues to ask why I'm never called and they said they do not have to call so what's the point of having it. I have no knowledge of none of these inquiries on my report with TransUnion I have wrote in and ask them to be removed and never heard back from them. I would like for all these to be removed immediately thank you. They are Fraudulent each and every one
Product: Vehicle loan or lease

I traded my XXXX, loan # XXXX, in XX/XX/2014 for my XXXX lease, account # XXXX and XXXX, the previous cars were in the possession of the dealership- therefore the reporting of a late payment for XX/XX/2014 is erroneous - this is causing my credit to drop and caused me to lose the ability to rent a home for myself and my XXXX  kids. I requested this to be updated, however XXXX doesn't update it or respond to the dispute they simply state it is resolved. AND then as a retaliation for my disputes XXXX reported 5 accounts as charged off - these accounts have been reporting as open and past due for YEARS but now, since I disputed they updated all records to charged off - thus causing my credit to tank even more.
Product: Money transfer, virtual currency, or money service

Hello Sir/Maam, Im writing to you today as I have been a victim of XXXX XXXX by using Chase mobile application. There was a system hack, and someone I do not know, took out {$2400.00} from my XXXX XXXX Account. The XXXX name is XXXX XXXX XXXX XXXX, and the XXXX account number is XXXX. The persons name is XXXX XXXX XXXX XXXX, who I do not know. This unfortunate event took place on XX/XX/XXXX. I had already filed a claim number XXXX on XX/XX/XXXX with chase, and they gave me a temporary credit on XX/XX/XXXX. The credit was reversed on XX/XX/XXXX. 

I have been a customer with JP Morgan Chase for the past 3 years. Most of the bosses at my job have had chase which gave me enough faith and confidence to bank with you. I opened my first business XXXX XXXX XXXX XXXX with Chase. Im in the market to buy a house, and Im in the process of starting a mortgage loan with Chase. 

I have made several calls to Chase claims number XXXX, and they have all said that they can not reassert the credit. Im hoping that somebody on your executive team can help me with this predicament. I work very hard for my money, spending endless days and nights, and I do not want it to go to waste. Please help me. 

Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit reporting agency : EQUIFAX is posting my " Personal Financial Information '' and transaction history without my written consent. This reporting has caused me " EXTREME FINANCIAL INJURY '' and continues to harm my ability to carry out my personal, family and household purposes. I have disputed their report recently and all I got back from their alleged investigation, that took more than 30 days, was verified! '' There is no explanation for this verification process ; as no one from this agency has communicated with me regarding this unknown process. Nor, who authorized them to violate my privacy by telling anyone, with an Internet connection, what Im doing with my private financial matters and who I chose to do business with. I want to know who is paying you to report this and where you are getting this information from? I now know that the Government states that you are not a government entity that has Federal Government approval from them to do what you do. Here are my demands : I want this agency to provide me with documentation of verified and validated proof of my LEGAL and LAWFUL obligation to pay what they are reporting on. A report stating verified is no longer acceptable to me, nor does it establish a LAWFUL response. You have 7 calendar days from the date of this submission to produce this documentation. Failure to comply with my demand in the time frame that I have set for you will result in Arbitration or Litigation in U.S. District Court. Your work hurts people and I will no longer abide by some company who isnt authorized by me to report anything on my behalf.
Product: Debt collection

I'm renting a home with another person. I received text from my roommate saying that United Check Recovery Bureau has called her multiple times asking for me and my location. I contacted them and told the representative that it was inappropriate and it violates confidentially agreement. I also have the voicemail & text messages to prove this incident. 

The company 's information is below : United Check Recovery Bureau XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX
Product: Student loan

spoke with Premiere collection agency -spoke with XXXX XXXX -a representative who claimed that was her name. She was very rude and also hung up on me. This is not proper servicing of student loans and a consumer should never be hung up on. This representative should go back to training and learn how to properly service student loan consumers per the dept. of education Statement of Work. They have sent documentation to my representative and now state that they can not speak with them. This is holding up my process for resolution and causing more financial hardship. This agency does not deserve to be working student loans.
Product: Credit card

I placed a fraud alert on my credit at the XXXX credit bureaus about 1 1/2 months ago. I continue to receive unsolicited credit card offers from Citi Bank. I have received at least XXXX offers within the last week. I contacted Citi Bank to request that I no longer receive credit card offers by mail. I was told that I would be placed on a " do not mail '' list, however, the representative told me that she was unable to tell me how long the request would be effective. I requested a copy of Citi Banks privacy terms and conditions and do not mail policy be mailed to my home. I was bounced around to several different people and ultimately my call was disconnected. 

When I called back, the representative told me that Citi Bank had a policy not to mail privacy terms or the terms of the do not mail list to anyone who is not a Citi Bank customer. I am not a Citi Bank customer. The representative then told me that I could visit a Citi Bank branch to obtain this information. Despite repeated requests, Citi refuses to send me a copy of its privacy terms or the terms of its " do not mail '' list.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXXXXXX XXXX XXXX I wrote 3 letters to Experian, XXXX and XXXX disputing 3 issues on my credit report, the amounts were in question after verifying the accounts with the creditor and 2 creditors did not recite the XXXX XXXX, I stated this in my dispute, weeks later while on the Experian app, I see " Dispute results updated '', the dollar amounts were changed but no mention of the creditor failing to recite the XXXX, I called Experian, they opened up a new " Account Dispute '' but nothing has changed to date, Experian did not even mention the XXXX not being stated in their 1st report, it had no bearing to them, I thought the XXXX always had to be recited and if not that is a violation of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the late open accounts appearing on my credit report. It has come to my attention that these inaccuracies are negatively affecting my credit score and financial standing. I am formally requesting that you investigate and correct these errors as soon as possible. 

I have attached copies of relevant documents, such as payment receipts and statements, which confirm that I have made all payments on time for the accounts listed above. The discrepancies in my credit report have caused my credit score to decrease, and I have experienced difficulties in obtaining credit, loans, and other financial services as a result. 

I kindly request that you initiate an investigation into these accounts and make the necessary corrections to accurately reflect my payment history. I expect that you will complete this process within the legally required timeframe and inform me of the resolution as soon as possible. 

In accordance with the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the steps taken during your investigation, as well as any changes made to my credit report. I am asking for your assistance to correct the following accounts in three Credit Bureaus : XXXX XXXX XXXX XXXX  : {$5700.00} ; XXXX XXXX XXXX XXXX XXXX {$1900.00}.
Product: Credit reporting or other personal consumer reports

Submitted request for verification of inquiries made and the inquiries are past the 2 year mandate time to be removed. See list of inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANS UNION , LLC : 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

i did a complaint yesterday $ XXXX and when I logged in today my paypal balance was XXXX and my cash rewards was XXXX I called the company and was put on a long hold I gave up and am now waiting on a call back I fell retaliated against I've never felt victimized by predatory activity like this. 

a day ago, before my complaint, i had nearly $ XXXX in cash rewards and don't recall my paypal balance but it was substantial so now I have XXXX, XXXX, and my credit limit still not back to the original $ XXXX. 

and I'm in a queue for when they call me back. thank you CFPB this is when little folks like us need somebody that can shine a bright light I didn't ask for any of this.
Product: Debt collection

XXXX XX/XX/2022, approximately one year ago, my wallet was stolen during the process of my relocation. Upon discovering unauthorized charges on my bank account and receiving payment notifications to my email address, I promptly took action by sending multiple letters to XXXX XXXX XXXX XXXX Mail. These letters were intended to inform XXXX XXXX that I had no affiliation with their organization. To support my claims, I attached an FTC and police report, as well as various forms of identification, to each correspondence. Regrettably, XXXX XXXX did not acknowledge or respond to any of my letters. Instead, they allowed the debt to accumulate and subsequently forwarded it to a collections agency. When I attempted to resolve the issue by contacting their customer service, I was informed that no assistance could be provided over the phone. I followed their instructions by sending a detailed letter to their address at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX, explaining the situation. Moreover, I obtained notarization for this letter, yet I never received any form of response from XXXX XXXX. It is crucial to emphasize that I am not accountable for this debt, and I refuse to assume financial responsibility for something that I did not initiate.
Product: Debt collection

Request to stop the calls and they keep calling during work hours and at night when sleeping
Product: Credit reporting or other personal consumer reports

Subject : Request for Immediate Removal of XXXX XXXX XXXX Information under Law 623 A-5 and 15 USC 609 A1 and 609 A2 XXXX Filing Number : XXXX Date Filed/Reported XX/XX/XXXX Date XXXX  Status Last Updated : XXXX XX/XX/XXXX To Whom It May Concern, I am writing to request the removal of the XXXX  listed on my credit report, as I believe it has been incorrectly verified and represents a violation of my rights as a consumer. 
Recently, I sent a letter to the court that handled my XXXX  asking if they report XXXX  to credit agencies. In response, the court confirmed in writing that they " do not report any XXXX  to credit agencies. '' This means that the legitimate source of the information, the court, does not provide this data to credit agencies. 

On XX/XX/XXXX, I submitted an investigation request to the credit agencies asking how they verified the XXXX  and its details. I later received a response stating that the XXXX  had been verified and that no changes were necessary for either the XXXX  itself or the related accounts. My question is : how was it verified if the court, which is the legitimate source of the information, does not report XXXX  to credit agencies? 

This raises a significant concern : if the court does not provide this information, the verification could not have been accurate, which represents a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I request the immediate removal of the XXXX  and all related accounts, as the information has not been properly verified. 

According to the FCRA, if the credit bureau can not validate the information with the original creditor, they must remove it from the consumer 's credit file.
Product: Credit reporting or other personal consumer reports

I have sent several Notices regarding Equifax can no longer report Child Support or Judgements ( BANKRUPTCIES ) Equifax has continued to ignore and intentionally deny my Federally protected consumer rights and now are in violation pursuant to the FACT Act and to the FCRA XXXX amendments regarding : '' collection of an account '' permissible purpose to obtain a consumer report only when the collection is in connection with with a credit transaction. Equifax is still reporting STATE OF WASHINGON SUPPORT LAST REPORTED XX/XX/XXXX on TWO accounts on my Equifax Consumer Credit report and is showing a monthly payment of {$1600.00} Opened XXXX XXXX ( 3yrs, 6 mos ) and a monthly payment of {$10000.00} Opened XXXX XXXX ( 1yrs, 11 mos ). Equifax is clearly in violation of the FCRA XXXX AMENDMENTS as well as the FACT Act. I am now within my rights under 1692k to take lawful action ordering judgement. This NOTICE is given to the CFBP to pursue action against Equifax Information Services , LLC. I have enclosed a NOTICE OF VIOLATIONS/ FEE SCHEDULE showing each violation committed willfully against my federally protected consumer rights. I now seek monetary compensation as required by the FTC, CFBP AND Title 15 U.S. Code Chapter 41 Consumer Credit Protection I have also attached supporting documentation as proof of this violation
Product: Credit reporting or other personal consumer reports

Equifax put a hard inquiry on my credit report. It was a ID theft attempt to get credit with XXXX XXXX on XX/XX/year>. Equifax refuse to remove the hard inquiry.
Product: Credit reporting or other personal consumer reports

Please view the accounts closely and delete all accounts that was not authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. Despite the multiple previous written requests, the accounts listed below still remain on my credit report in violation of XXXX XXXX. XXXX has failed to comply with air XXXX XXXX XXXX, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if XXXX investigated properly before posting derogatory information. Please delete the following accounts : ( XXXX XXXX, XXXX XXXX, XXXX OF XXXX XXXX )
Product: Debt collection

On XX/XX/XXXX I received a final notice from my old apartment complex that said I owed the amount of XXXX or it would be sent to a collections agency. On XX/XX/XXXX, I received multiple harassing phone calls from IQ Data Inc. from phone numbers ( XXXX ) XXXX and ( XXXX ) XXXX. I received five phone calls from this number in a seven hour period, sometimes repeatedly, to my personal cell. As well as, two phone calls to my other number. Totaling seven phone calls in a seven hour period. I called the company back and spoke with a collections agent named " XXXX '' and verified he was making these calls and his supervisor. I informed them that this was harassment and I would file a complaint and to discontinue contacting me, they refused to acknowledge this request. I also have not received a 30 days notice. 

All of this information will be provided in attachment ( s ) below.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the transunion, XXXX and XXXX credit reporting agencies 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 several accounts opened under my name, all of those have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO. I've attached the copy of the identity theft affidavit, SOCIAL SECURITY, ID AND A DOCUMENT FORM WITH ALL ACCOUNTS AND HARD INQUIRIES as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.
Product: Debt collection

I have been contacted by a collection agency on behalf of CashNetUSA. I asked for verification of debt to be mailed to me, I was instead placed on hold and told that I had XXXX hour to respond to them or they would file charges. I advised that under federal law it was illegal to threaten me. I was then told they know the law and accused me of not wanting to pay a debt I owe. When I stated I wanted to verify I owe the debt and it was n't fraud, I was asked if I have a police report. Advised I do not because they have not sent me written verification in order to do so. I was then threated again that charges would be filed. 

This is a clear violation of federal law. They would not provide me with the company name, instead the supervisor hung up on me. Another violation. I called back and asked for the company name and was only given XXXX.
Product: Credit reporting or other personal consumer reports

This letter is being sent to you in response to illegal findings and violations found within Claimants account with your company. According to U.S.C 6802 under subsection ( b ) Opt OUT ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option, Such option was never discussed with consumer but, consumer 's private information has been shared with several third party companies.

Be advised that your claim is being disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act 15 U.S.C 1692, The Fair Credit Billing Act ( FCBA ), and the Truth In Lending Act 15 U.S.C 1601 all of which work in conjunction with each other. It is not now, nor has it ever been my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith with the request for validation and return it to me within thirty ( 30 ) days of receipt of this letter. This is not a request for verification or proof of claimant mailing address but, a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named title and sections. I respectfully request that your offices provide claimant with competent evidence Declaration and proof of claim that Claimant has any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communications. No phone calls to the Claimant. 



Accounts include : 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

Since I opened my account, I'm being harassed by Citibank in the name of security by blocking access to my account and limiting me from able to make purchases. This has happened countless times. I can not even fathom the times I have to call them. Each time they have to send a letter to my address which takes 7 days. After I verified and clear the security alerts, they will block my account the very next day. They would not use my mobile number for verification purpose. 

Either their fraud warning system is messed up or I believe they are illegally XXXX XXXX XXXX XXXX XXXX and prevent me from using my card.