23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am a victim of identity theft. On or around 2016, I lost personal information and several cards, including, " driver 's license, social security card, credit cards ''. I believe that my personal information was subsequently stolen and misused by unknown individuals. 
Since this incident, I have discovered multiple fraudulent activities carried out in my name without my consent or knowledge. Specifically : XXXX. Unauthorized Car Loan : A car loan was taken out under my name and information without my knowledge or approval. 
XXXX. Unauthorized Credit Cards : Several credit card accounts were opened in my name, leading to substantial unauthorized debt that I am not responsible for. 
XXXX. Medical Claims : I have also discovered that medical claims were made using my personal information, which I did not authorize or initiate. 
XXXX. Bank Accounts and Inquiries : Unauthorized bank accounts were opened, and inquiries were made into my credit history by various organizations, impacting my credit score and financial standing. 
I affirm that I did not open these accounts, initiate these claims, or give permission for any of these activities. I have taken steps to report the fraudulent activities to the relevant institutions, including XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, and am in the process of securing my identity. 
I am providing this statement as part of my affidavit of fraud and identity theft to formally declare that I am not responsible for the above-mentioned transactions and activities carried out under my name. I am fully cooperating with law enforcement and all related agencies to resolve this matter and restore my financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED CREDIT CONTROL SERVICES SEVERAL TIMES AND THEY HAVE KNOWLEDGE I HAVE NO ACCOUNTS WITH XXXX PERSONALLY. THEY HAD REMOVE THIS ACCOUNT SEVERAL TIMES AND KEEP PUTTING IT BACK. IF THIS ACCOUNT IS NOT REMOVED FROM MY CREDIT FILES I WILL FILE SUIT ASAP AND REPORT THEM TO THE INSURANCE COMMISSIONER FOR ABUSE TO SENOIR AND TRYING TO RECEIVE MONIES UNDER FALSE.. WHICH IS FRAUD
Product: Credit reporting or other personal consumer reports

Transunion refuses to delete Family Support Div XXXX XXXX from my credit profile even though they are required to under FCRA 622 ( 2 ) which is in violation of FCRA 616 & 617, willful noncompliance and/ or negligent noncompliance. The opening date is XX/XX/XXXX. FCRA 622 ( 2 ) specifically states : " ANTEDATES the report by 7 years or LESS. '' As of XX/XX/XXXX, it is 1 year and 11 months past due for this to be deleted.
Product: Checking or savings account

I am filing an complaint with the CFPB regarding XXXX XXXX failure to deposit my direct deposit from my employer and any other incoming deposits. XXXX XXXX has cited tech issues with no further explanation or anything I have called several times no lead time nothing. Myself like most people live paycheck to paycheck with small children, telling me you will cover late fees when you cant even give me the money im owed is ridiculous. This is violating the XXXX as it is requested in timely fashion it has been two days and nothing. I request your assistance in getting this resolved and also providing a compensation for this as well.
Product: Credit card or prepaid card

I received a {$95.00} charge on my amex travel card. When I go online it states the rates and fees are the same as the basic card. So I click on that link and it says NO FEE. I chat message with custoemr service and they say no there is a fee but all basic marketing materials show it has NO FEE. They send me a link to a 28 page document that says there is a {$99.00} fee. I tell them this is deceptive that their marketing material shows no fee but that the fine print shows a fee. They refused to refund the fee. 

This is the link it directs you to which states NO fee : https : //www.americanexpress.com/us/credit-cards/card/delta-skymiles-blue-american-express-card/? eep=25330 & linknav=US-Acq-Shop-Consumer-PDP-DeltaGold-CardMember-click-filmstrip : delta-skymiles-blue-american-express-card https : //www.americanexpress.com/us/credit-cards/card-application/apply/member/terms/delta-skymiles-blue-american-express-card/36182-11-0/ # FeeTable This is the page with the broken link that directs you to the link above : https : //www.americanexpress.com/us/credit-cards/card/delta-skymiles-gold-american-express-card/? eep=25330 & linknav=US-Acq-Shop-Consumer-PDP-DeltaBlue-CardMember-click-filmstrip : delta-skymiles-gold-american-express-card
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX I went in for a XXXX and the XXXX just started doing other work and XXXX  on a XXXX  to have ready she said. They were taking me so fast because I had a credit card XXXX card I used the whole amount, I didn't like how long it would take her to work on my mouth I was just unhappy about the whole experience, I stopped going. But my bill was paid now the XXXX  I didn't get they still have it. I remember someone calling me I don't know if they were from collections or the office.
Product: Credit card or prepaid card

Citibank issued a credit card to me after I applied for one. This card was allegedly sent to my mailing address on file. I never received the card. I checked my mailbox on the day it said it was delivered. The card was either taken out of my mailbox or was delivered to the wrong address. I have no proof that it was actually delivered. Someone else activated the card and started using the card on XXXX XXXX, the day it said that the card was " Out for Delivery ''. The card was charged almost 8 times at different stores within the 24 hours it had been activated. 

I'm very confused as to how the card was activated if they didn't have my social. It is my understanding that the last 4 digits of your social were needed in order to activate the card. I am very disappointed that Citibank has such loose security standards and that a complete stranger was able to activate my card. 

I have attached a picture of the bank statement which consists of charges that were not authorized by me. I have also attached the email notifying me that the card was out for delivery.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a Mortgage Loan on XX/XX/21 & was denied or received unfavorable rates because of some inaccuracies on my credit report. There are 14 XXXX  XXXX XXXX Student loans that are reporting a 90 day late payment. This does not seem legal or accurate. I was under the impression that these loans were in deferment at the time, when they're saying I was late. Were payments actually due or was the loan in deferment? Was I notified in writing 30 days before these payments were due? Is there any proof that I received the notification in writing or an invoice before they reported me late? I do not recall receiving any invoice or notification from XXXX XXXX XXXX stating that payments were due or that I had any amount past due. If I received a letter or phone call from them, I would have made a payment. 

I'd like to request that the 90 day late payment be removed from all 14 loans. If XXXX XXXXXXXX XXXX refuses to correct the payment history, I'd like to see all paperwork and proof that they are reporting accurately and followed all laws and procedures to notify me before reporting me late.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent letters to XXXX, Experian and XXXX asking them to provide me with verification of proof of XXXX  # XXXX and XXXX  # XXXX.I sent up a follow up letter on XX/XX/2021 and they failed to respond validating the reporting of Bankruptcy which is a FDCPA violation because they continued to report the bankruptcy without proof. They ( XXXX/Exp/XXXX  ) responded stating that they " verified '' these both case numbers/bankruptcies through XXXX XXXX and XXXX. 
I contacted XXXX XXXX and XXXX directly and court responded that that they do not share my information with any credit bureaus. XXXX XXXX sent me letter and deleted bankruptcy from their records. 
On XX/XX/2021 I sent XXXX XXXX letter to all XXXX credit bureaus ( XXXX/Exp/XXXX ) and showed them deleted bankruptcy, informing them that if they could not reveal how they truly verified these items then it needs to be deleted according to the FCRA. On XX/XX/2021 I sent notification with intent to file for FCRA violation and they keep responding bankruptcy " verified ''. They have once again refused to delete these items which is imploding on my ability to purchase a home and car and causing me to pay thousands more in interest every year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account with XXXX XXXX XXXX XXXX XXXX Trans Union LLc and XXXX. Asking for original signature bearing documents of which have not been produced. XXXX XXXX XXXX XXXX isreporting this account without the proper siganature bearing docs and also the information is conflicting between the two agencies proving that this debt is invalid and being reported inaccurately.
Product: Vehicle loan or lease

This complaint entails my lease at GM Financial regarding my XXXX XXXX XXXX XXXX. I originally leased this vehicle for 39 months and the lease expired on XX/XX/XXXX. 

With good faith, I returned my pristine XXXX XXXX XXXX back to the original dealership, XXXX XXXX XXXX in XXXX, Texas on XX/XX/XXXX. 

The service manager along with one of the service advisors took inventory of the vehicle while collecting both sets of keys and going over everything on the vehicle. As per their direct comments, they both commented the vehicle was pristine, matching tired with more than proper tread while confirming I was under the alloted total miles, as per the executed lease agreement. I asked them the time frame of hearing back from GM Financial to see what would be owed, if anything. They stated usually 2 weeks. 

I left the country for both the holidays AND business on XX/XX/XXXX and returned on XX/XX/XXXX. 

I personally visited the dealership again and asked them If they can verify any information whatsoever. This is when they put me in contact with the General Manager by the name of XXXX XXXX. This gentlmen went out of his way and made his calls and contact and assured me in person that I absolutely had no excess wear and tear and I would not be responsible for any wear & tear and that {$0.00} was due from us. 

Additionally, he stated that GM Financial calls and mails clients a final bill, if there is any overages due to their initial contract. In the morning of XX/XX/XXXX, I recieved an alert on ALL my 3 main credit bureaus stating I was currently 30 days late on my ACCOUNT. 

First, they confirmed the last payment was made well before the due date and they also confirmed, along with the dealership that I turned in the vehicle earlier than the due date ( XX/XX/XXXX vs XX/XX/XXXX ). 

Now I have a 30 day late showing on my credit report thus causing an average of XXXX point drop on my 3 credit reports! Additionally, I am due to close the last week of XX/XX/XXXX on another rental property and this will cause massive financial hard for a very huge error on part of GM Financial! 

To date and since the time of this writing. I never recieved any communications from GM Financial regarding anything after XX/XX/XXXX and yet now they left me with damaged credit and a perfectly maintained vehicle back in their fleet. Again, the dealership was the only party that confirmed I owed them nothing extra by visiting the dealership on XX/XX/XXXX. 

I have also contacted the Federal Trade Commission, Office of the Attorney General of Texas along with the XXXX  of the XXXX, TX Division. Additionally, as a practicing attorney here in Texas, I will begin exploring other possibilities to include filing a lawsuit for willful financial hard by violating the Fair Credit Reporting Act. 

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

Dear Madam or Sir, I am disputing the information XXXX XXXXXXXX XXXX of {$1200.00} in my credit reporting. We do not owe any money to XXXX XXXX XXXXXXXX, on the contrary the company owe us because we overpaid them. Our last day in the apartment was XX/XX/XXXX and was credited XXXX  days rent. By looking at the attached balance statement you will see that the company charged us the month of XXXX, which is incorrect and does not make any sense. If so why give us XXXX  days credit for the month of XXXX? We moved out of the property in XXXX and returned the keys. Furthermore, if you look at the court document you will see that thXXXX XXXX XXXX  was dismissed and all costs and taxes to be paid by plaintiff. Again, if you look at the same balance statement you will see that we were charged {$230.00}, which is in complete violation with the court order. I am requesting this wrong information to be deleted from my credit report because I do not owe any money to XXXXXXXX XXXX XXXX. Thank you for your understanding!
Product: Debt collection

I am filing this complaint pursuant to : 12CFR 1006.34 ( d ) ( 2 ), 12 CFR 1006. ( 1 ) ( 8 ) ( e ) and the Fair Debt Collection Practices Act 809 ( a ).

Prior to receiving the attached collection letter from XXXX XXXX XXXXXXXX  dated XX/XX/2023... .I had never heard of or from this collection agency before. No initial communication from them whatsoever. 

I have never spoken to anyone from this collection agency, or any other agency affiliated with this collection agency, to include, ( GALAXY INTERNATIONAL PURCHASING , LLC, by phone, US mail or email, regarding the alleged debt that they are attempting to collect. However, they sent the attached settlement letter without sending me a MODEL B-1 validation notice or notice to dispute, which are violations of the FDCPA. 

There are several FDCPA violations involved in this matter, which is why I pray that the CFPB will investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the four accounts listed below has violated my rights. 

XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX Account # XXXX 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
Product: Debt collection

Ihave3collectionsonmycreditreportfromthesamecompanyLVNVFUNDINGLLC.Iwasnevernotifiedofthesecollectionsandwhendisputetheaccounts,thecompanysendsmealettersayingtheynotifieda3rdpartyconsolidationcompanyandthatcompanynotifiedme.Thisisnottrue,IwasNEVERnotifiedbyanyone.Thecompanyrefusestovalidatethese3accounts.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I contacted XXXX and XXXX and EQUIFAX and asked for them to investigate and remove the inaccurate accounts from my consumer report that they are ILLEGALLY Reporting and I requested specifically the alleged original application bearing my WET SIGNATURE and they have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying since XXXX 2017 to get my XXXX card to update on my 3 reports after a three was call XXXX finally updated. Upon several more attempts equifax and experian for some reason wo n't update it. XXXX bank has sent me a letter stating they have reported to all three several times and to contact them directly to figure out the problem. When I call the two they say they report what is sent to them. My husband and I have spent 100+ hours on the phone back and forth and nothing seems to be getting solved. Can you please help. I have the letter if I need to fax to you I will.
Product: Debt collection

This bill should have been paid by the state of Nevada. I was XXXX at XXXX XXXX XXXX XXXX and XXXX Nevada XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. Therefore I Was a XXXX and not responsible my medical services. Not only that, I am a XXXX veteran and all medical bills are covered by the Veterans Administration. I was never notified of this dispute until seeing this last week on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$640.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$640.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately. 

XXXX XXXX XXXX -- {$19000.00} XXXX XXXX -- {$990.00} DEPT OF EDXXXX XXXX XXXX {$2100.00} DEPT OF ED/ XXXX -- {$5500.00} DEPT OF ED/ XXXX -- {$1100.00} DEPT OF EDXXXX XXXX -- {$2200.00} DEPT OF ED/ XXXX -- {$4500.00} DEPT OF ED/ XXXX -- {$2200.00} DEPT OF ED/ XXXX -- {$2300.00} DEPT OF ED/ XXXX -- {$1100.00} DEPT OF ED/ XXXX XXXX {$1700.00} DEPT OF ED/ XXXX -- {$1100.00} DEPT OF ED/ XXXX -- {$1700.00} DEPT OF ED/ XXXX -- {$2900.00} DEPT OF ED/ XXXX -- {$5500.00} DEPT OF ED/ XXXX -- {$0.00}
Product: Debt collection

I have sent this company letters over and over again since XXXX, 2017 and they have yet to provide me with anything with my signature. 
These are the certified mail tracking numbers XXXX that was signed for an employee at XXXX XXXX on X/XX/2017 and XXXX that was signed for by transunion and XXXX along with numerous of other attempts to remove this invalid debt.
Product: Debt collection

pursant to 18 usc 8 I owe no debt, this company is violating my consumer rights to privacy pursant to 15 usc 1681 b 2. Company has no permission to report anything using my information pursant to 15usc 1681 4.
Product: Debt collection

On   XXXX    , I received an alert from  XXXX  credit monitoring about an new collection account added to my credit file.   On   XXXX    , I contacted the listed collection agency on my credit file for the complete account number of the said account. On that same date, I wrote the collection agency a letter requesting validation of the debt. Attached to this complaint is a copy of that letter.   I have also received confirmation from the  USPS tha t the certified mail was successfully delivered to Midwest Recovery Systems.   On  X/X/17    I called Midwest Recovery Systems again and they either hanged up the phone on me or transferred my call from  one agent to the next.    On  X/X/17   , I sent a fax to both  XXXX  and  XXXX  of the letter of validation that was mailed to  MRS .    After receipt of my request to validate the deb t, Midwest Recover  y System continu es to report this debt to both  XXXX  and  XXXX .
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in

my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX ACCT # XXXX, XXXX XXXX XXXX  XXXX ACCT # XXXX, has violated my rights. 

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

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

I already tried to reach out with the Credit Bureaus regarding these collection issues with but is still not being resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

2. This was not sent inadvertently or by any other person than me ; I am a consumer by law, and thanks to XXXX 's misuse of my information during a data breach, some of the accounts and things on my credit report are not completely true. That improper handling of my credit profile was unethical.
Product: Credit reporting 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. Account Name XXXX  XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.
Product: Checking or savings account

I opened a checking account with Citibank and enrolled in a promotion offer to obtain a cash bonus of {$1000.00} with {$75000.00} deposited. I received the email confirming my enrollment on XX/XX/XXXX, but after the specified time period I did not receive the cash bonus. 

After contacting customer service over several months, I was repeatedly told that there did not seem to be an issue with the promotion bonus and I would receive it shortly. However, I recently received a letter in the mail, dated XXXX, that the promotion was not offered in conjunction with the account that I opened. This is contradictory to the original email I received stating that I was enrolled in the promotion offer.