23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A company called Portfolio Recovery Assistance has been calling me every day for the past six months or more regarding a debt they acquired from another shady debt collector. 

This company calls me several times a day throughout the day from multiple numbers from different states below you will find a a list of numbers that I was able to collect recently. I have asked that they please stop calling, but they refuse to do so. 

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 Your assistance with this matter would be greatly appreciated. 

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

I am writing to bring to your attention a matter of concern regarding certain inquiries on my credit report that do not appear to be accurate. As a victim of identity theft, I have taken necessary steps to rectify the situation and protect my financial well-being. However, it has come to my attention that several companies have made inquiries that I believe to be excessive and potentially erroneous. 

I kindly request that you investigate the following companies in relation to the mentioned inquiries on my credit report : 1. XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX 2. Ally Financial : - Dates : XX/XX/XXXX, and XX/XX/XXXX 3. XXXX XXXX XXXX : - Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX 4. XXXX XXXX  : - Date : XX/XX/XXXX Considering the circumstances surrounding my identity theft case, I find these inquiries to be excessive and potentially indicative of fraudulent activity. I request a thorough investigation into these inquiries to determine their legitimacy and ensure compliance with the Fair Credit Reporting Act ( FCRA ). 

Furthermore, I would like to emphasize the importance of ensuring a watermark-set signature for validation of my authorization to check my credit. This signature serves as evidence of my complaint and supports my request for inquiry removal. It is essential to protect consumers from unwarranted inquiries and safeguard their creditworthiness. 

I intend to contact the XXXX XXXX XXXX ( XXXX ) and the Attorney General 's office to seek compliance and support regarding FCRA guidelines if necessary. I appreciate your assistance in resolving this matter promptly and ensuring the accuracy and integrity of my credit report. 

Thank you for your attention to this inquiry removal request. I have enclosed a copy of my identification and any supporting documents that may assist in the investigation. Please do not hesitate to contact me if you require any additional information or if there are any updates regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor ( Capital One ) has violated my rights under 15 USC 1681. In section 602 it states that I have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

During mid XX/XX/2023. I received my annual credit report and came across a debt of a closed account showing as not XXXX account but XXXX lines of XXXX XXXX XXXX  I was immediately in shock. I then called the creditor and they stated someone used my identification to open this account. I then disputed with ALL THREE BUREAUS in XX/XX/2023. Results came back as still allegedly my debt. I then called MIDLAND CREDIT ACCOUNT who XXXX  XXXX back sold the debt to. When I went to my bureaus in late XX/XX/2023 and requested that they provide a validation of debt to me, they said they can not and that all letters go out electronically. However, I went to check my report on XXXX in XX/XX/2023, the debt was deleted. I then checked back every month there after as I usually do and my credit was ok. How we as of this month XX/XX/2023, the MIDLAND CREDIT BUREAU resurfaced back on my XXXX report. I have or ever had any knowledge of this debt then or now. According to the 15 U.S. Code 1692e they are in violation. My life is at a stand still because of this false information.
Product: Debt collection

on XX/XX/2021, i sent PLAZA SERVICES, LLC a letter requesting for the validity of the alleged debt of {$3200.00} that i do not owe or had dealings with.i have not heard from them and i need for them to remove it from all 3 CRA 'S.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/1988 Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Payday loan

Company called XXXX. Hi my name is XXXX XXXX. I received a letter saying i was approved for XXXX loan. So i call them and talking to them. They said i am approved for the loan but due to my credit they said i have to come up with {$320.00}. to give them first. So that what i did. They told me to XXXX store and purchess a mycash XXXX card and put money in there. So that what I did. Now they saying they could not put money in the my account it has to send thru XXXX XXXX for me to recieve. I said ok. They the money is sent but there other fee. I have pay {$420.00}. for fee for them to sent it thru XXXX XXXX. That wat i did. Now they saying there other fee. {$340.00} for the tracking number they gave me was only good in XXXX..To unlock the tracking for XXXX. Again the wat i did. Then they saying I to have pay other fee due to my credit have to pay soical sercurty for me to able to receive the money. I 'm very honest person and nice. I do n't know wat to do I am scared now. All these fee I never heard of and I really did believe them. Please help. Pleaqs
Product: Debt collection

This debt needs to be taken off of my credit report and I have requested this multiple times with no success and they wont send me any verification this is my account.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX My phone number is ; XXXX and would like to report a fraud from the company Western Union XXXX transfer - against me with location in the address : XXXX XXXX XXXX. XXXX, N.Y. Zip code ; XXXX I sent XXXX hundreds dollars to XXXX XXXX XXXX XXXX in the date XXXX XXXX XXXX  and the final received that is my sister ; XXXX XXXX XXXX XXXX De XXXX she never received the money. The number of tracking is : ( ( XXXX ) ) The money was retired from another Check cashier Western Union in the location The XXXX XXXX : XXXX XXXX pharmacy XXXX XXXX XXXX XXXX. XXXX, NY This is a telephone number that I XXXX the time of the next morning XXXX XX/XX/2022 around XXXX to XXXX XXXX 
I make a complaint two times with the company Western Union and they give me this claim complain number ; XXXX XXXX XXXX and this is the XXXX XXXX ; XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I had an agreement with upgrade loans for {$5500.00}. On XX/XX/23 {$2500.00} was paid to my account as direct deposit, {$520.00} paid to my credit card company on my behalf and {$2200.00} was supposed to be paid as a check to XXXX XXXX XXXX on my behalf. payments to my bank account and credit was all received but no check of {$2200.00} was sent on my behalf to XXXX XXXX XXXX. I called upgrade customer service for weeks after weeks and they keep saying check will be cancelled and funds issued directly to me but nothing has happened. I already started making the agreed monthly payments to upgrade and this situation really put me in a difficult situation financially .its been 3 months now and counting!
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last 5 months, I 've asked the Credit Bureaus to Remove all reference to my Liens from my Credit Reports. According to current Law, Effective XXXX XXXX 2017, Lien Notices are required to be removed from Personal Credit Reports.The change by XXXX, XXXX and TransUnion which took effect XX/XX/XXXX, as part of a plan to ensure that consumer identifications in the data are accurate and current, the XXXX XXXX XXXX XXXX, a trade association for the companies When I asked XXXX, Transunion and XXXX, to remove these notations -- from my Credit reports -- theses notations are still there.
Product: Credit reporting or other personal consumer reports

On my credit report all of them XXXX, TRANSUNION, XXXX, I HAVE ACCOUNTS THAT BOGUS THAT SHOULD NOT BE MINE THERE ARE OVER XXXX INQURIES THAT ARE NOT MINE SOME LOAN ACCOUNTS THAT HAVE BEEN PUT ON XXXX TO 3 TIMES THAT I DID NOT OPEN ALSO I AM A VICTEM OF IDENITY THEFT SINCE XXXX  IT SEEMS LIKE EVERYTIME STUFF COME OFF MY CREDIT REPORT IT COMES BACK. ALSO I HAVE SENT IN POLICE REPORTS ALOT OF TIMES BUT THE DURAGATORY STUFF WONT COME OFF I HAVE XXXX BANKRUPTCYS THATS SHOWING ON MY CREDIT THAT SHOULD NOT BE SHOWING BECAUSE IT WAS THROWN OUT BECAUSE IT WAS IDENITY STUFF WE FOUND SO THE JUDGE SOPPED THE BANKRUPTCY RIGHT THEN ONLY WAS A MONTH .SPOKEN TO CREDIT DEPARTMENTS AND TOLD THEM I HAD NOT MDE NO INQURIES BUT ALL XXXX ARE STILL THERE AND ACCOUNTS SO NOW IM TAKING ACTIONS TO GET THIS REMOVED OFF ALL MY CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Today is XX/XX/2021. I am looking to fix information on my credit report which should have been taken care of along time ago. At some point someone stole my identity and used my synchrony bank credit cards. I never made these purchases. I had 2 store cards. I never signed anything or gave anyone my consent to use my credit cards. One says for the amount of {$650.00} and the other {$810.00}. The collection agency names are XXXX Rc and XXXX XXXX I. In the past I have called XXXX going back over 1 year ago about the situation multiple times. I was told they would put in theft since I never authorized anything and I would not be responsible. Now I am getting the run around which is why I am coming to you guys for help. I have been told by friends under the fair credit reporting act alone of letters I sent in that this should be removed from my credit as it's been way over 45 days since my original complaints went in.
Product: Checking or savings account

Kohl is transition credit card to capital one starting XX/XX/XXXX. Kohl had sent new card and activation link. Activation link takes to page https : //kohls.capitalone.com/. 
There capital one gives two choices 1. I have a Capital One online account. Sign In 2. I don't have a Capital One online account.Set Up My Account Capital is opening saving accounts behind the scene. This is not related to activation of Kohl 's card at all. 

Capital one misleading people on this page and opening savings account. I happened to be one of the customer on misled journey and capital one opened saving account.
Product: Checking or savings account

ON XX/XX/2020 I get a email from Citibank in which it said they blocked my checking and savings account out of nowhere and didnt give me any valid reason for the restriction. Said to call a fraud prevention number, and i did, they kept giving me the run around and making me wait on long holds only to tell me they cant give me any info other than that they will be holding my funds and wont be sending me a check with my funds until 60 whole days. I have had no issues in the past with this bank and i've always banked responsibly and never mishandled a account. I go inside the branches and they repeat the samething. So because they say so, i am forced to not have access to MY FUNDS, out of nowhere, for an entire 60days? i have up to {$7000.00} in funds, combining my checking and savings accounts. I have a life to continue, this is making everything 10xs worse and overwhelming as i have a mortgage, family and more, much more bills than most. THIS IS ABSOLUTELY DISGUSTING AND UNFAIR BANK PRACTICING. I WILL BEGIN A LENGTHY LITIGATION IMMEDIATELY AFTER THE NEXT 7DAYS IF THEY DON'T RESOLVE THIS IN MY FAVOR OF RELEASING MY FUNDS!
Product: Debt collection

Hi, I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against XXXX  and deceptive debt collection practices, and I have been XXXX and deceived by National Credit Adjusters , LLC. National Credit Adjusters , LLC has knowingly and willfully violated the Truth in Lending Act ( TILA ). The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I have previously sent a Debt Validation Letter and Affidavit of National Credit Adjusters , LLC. They received it certified mail and signed off at XXXX XXXX on XX/XX/2021. As they have violated me as a Federally Protected Consumer. Within that document, it outlines their violations towards me and a way to rectify the matter. Please see the attached.
Product: Mortgage

On XXXX I spoke with XXXX ID # XXXX of the CFPB who verified that Wells Fargo was in violation of the CFPB definition of refinance and was not in compliance see12 CFR PART 1026 ( REGULATION Z ) a ) Refinancings on the CFPB website, 1026.20 Disclosure requirements regarding post-consummation events. XXXX STATED THAT THE CFPB HIGHER UPS ARE AWARE of what is going on. 
THIS VERSION IS THE CURRENT REGULATION Search this regulation ( a ) Refinancings. A refinancing occurs when an existing obligation that was subject to this subpart is satisfied and replaced by a new obligation undertaken by the same consumer. A refinancing is a new transaction requiring new disclosures to the consumer. The new finance charge shall include any unearned portion of the old finance charge that is not credited to the existing obligation the refinance loan originated by Wells Fargo does not fit the definition of a refinance because the consumer is not the original consumer of the XXXX loan that was refinanced by Wells Fargo on XXXX. Furthermore the rider to the deed of trust renewal and extension exhibit caused us to suffer liabilities of a non served default judgement. XXXX XXXX ext. # XXXX of Wells fargo Executive Resolution department was very rude and dismissive and refused to explain in detail what part of the Texas constitution Article XVI Section 50a and XXXX XXXX guidelines authorizes a renewal and extension exhibit. Wells Fargo XXXX XXXX XXXX XXXX XXXX, Iowa XXXX has been unfair, abusive and used deceptive trade practices on us the consumers. Relief requested is release of default judgement lien caused by unauthorized rider to deed of trust renewal and extension exhibit and release of deed of trust drafed by XXXX XXXX of Wells Fargo and note held by Wells Fargo Home Mortgage. DECEPTIVE TRADE PRACTICES BY WELLS FARGO HOME MORTGAGE who is only looking out for their own interest and only care about their lien position, they could careless of the financial harm and duress they have caused us. CFPB WILL YOU REGULATE WELLS FARGO ACCORDING TO YOUR OWN DEFINITION OF REFINANCE DIFFERENT We are a different CONSUMER!!! Our homestead has been removed by the appraisal district, taxes have went up drastically, property taxes are not in our name even though chain of title shows myself as owner, the taxes are not listed in our name and we are not authorized to pay a tax bill not in our name according to the Texas Property tax code yet XXXX XXXX Case # XXXX, XXXX XXXX XXXX case # XXXX and XXXX XXXX of Wells Fargo executive department, CFPB case # XXXX-XXXX, OCC case # XXXX have threatened pay the property taxes and put an escrow account on our loan and force us to break the Texas property code laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Checking or savings account

On XX/XX/2022 I was double charged at XXXX for {$180.00}, I returned the item I purchased to try to get my money back and they only returned one of the charges and the other charge was never returned. I contacted cash app and XXXX and at the time both were telling me there was nothing they could do. I disputed the charge and was denied, I continued to dispute the charge with cash app and was denied every time so I decided to call XXXX executive office and was finally notified that they had started a refund for my double charge on XX/XX/2022. I waited the 10 business days and still had not received my money back so I then called cash app again and they stated that they didnt have a pending refund coming to my account, so I called XXXX again to make sure they refunded the money when they said they did and the executive office confirmed they had. I requested the documents from which cash app used the determine my denied dispute and they merely sent me a purchase summary, with nothing more than the store name and the amount I was charged.
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown inquiries on my credit report. There are multiple errors shown in my report. Please verify that all inquiries are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these inquiries and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX # XXXX for an order of 2 XXXX  watches was delivered to XXXX, NH, associated with XXXX # XXXX. 

12/6/21-Received email from the receiver that both XXXX watches were missing from the box delivered. This is shown in attachments XXXX, and XXXX. The empty box is pictured in XXXX. 

XX/XX/XXXX-Called XXXX and attempted to get a refund after explaining the situation. 

XX/XX/XXXX-After the refund was declined from XXXX, I filed a dispute with XXXX XXXX XXXX, explaining the reason for dispute being that the product was not received. I realize that the package was delivered, but the contents I had paid for were missing. 

XXXX-Received a letter dated XX/XX/ ( shown attached in XX/XX/XXXX ), stating that the dispute was closed, and that they disagree with my claim ( which they clearly have no understanding of ). As a starter, they state that the order was shipped to an address in XXXX and was signed for. That's incorrect per the tracking details attached ( XXXX and XXXX ) which show that it was delivered to XXXX, NH. Although this is irrelevant in a sense because the problem was the XXXX  watches were missing from the box, it shows the unwillingness of XXXX XXXX XXXX to investigate critically in the matter, and the overlooking of blatant details in the dispute. 
They state that the order was placed via my email address. That is correct but has no relevancy here as the charges were authorized my myself ; the goods were simply missing from the delivered package. 

Based on their reasoning, it's fair to assume that they believe that the reason for dispute is that I am claiming that the charge was unauthorized. That is not the case, and I never said anything of the sort. The XXXX  watches were missing from the delivered box. Under the Fair Credit Billing Act, consumers are not liable for merchandise they ordered but never received.
Product: Credit reporting or other personal consumer reports

Formal Demand for Immediate Removal of Late Payment Entries Account No. XXXX Dear XXXX, I am writing to demand the immediate removal of the late payment entries associated with my auto loan account at XXXX XXXX XXXX XXXX XXXX ), account number XXXX, from my credit report. While I acknowledge that I made some late payments, I believe it is illegal and unfair for you to continue reporting these negative entries, and I am formally requesting that you remove them within 24 hours of receipt of this letter.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit reporting agencies are required to ensure that the information they report is accurate and fair. Reporting late payments, especially after a consumer has made efforts to bring their account into good standing, is neither fair nor reflective of my overall creditworthiness. The FCRA mandates that credit bureaus must remove or correct inaccurate, incomplete, or unverifiable information from credit reports. These late payment entries, given my repayment efforts and the context of the situation, should not be reported, as doing so constitutes continued damage to my credit profile.

Additionally, under 15 U.S.C. 1681c, certain outdated or irrelevant information, including negative payment history, may no longer be reportable after a certain time. In this case, continued reporting of these late payments is disproportionate and harmful to my financial recovery. The law supports a balanced and fair reporting system, and reporting my late payments with no context or regard for my improved standing is a violation of that principle.

I expect the removal of these late payment entries within 24 hours of receipt of this letter. Failure to comply with this request may result in legal action, including claims for damages and enforcement of my rights under the FCRA. 

Please send me written confirmation once the late payment entries have been removed from my credit file. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX