23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On or about XX/XX/year> XXXX pd a law firm under the name of XXXX XXXX XXXX, the main owner was the one who visited with me, i used to see her firm on XXXX and after following the firm i noticed she was always as if traveling and at other times she advertised her legal services i felt somewhat confident in that her firm might possibly be able to assist, there was a XXXX ad that stated she would have a conferance about XXXX  XXXX on XXXX  XXXX and XXXX  was one of her topics at the XXXX XXXX. I asked her for a bus card and she assured me she could help me in a legal matter. 

After this i did visitthe firm and siged up for legal services however the firm never acted in my best interest, seeing things much more clearer now i see i was not provided services or sound legal counsel. 

I was a victim many yrs ago of a crime/s and rather than help me she stated i could file a divorce option however i feel this was not accurate in that a sham wedding is not a true marriage i was a minor in a foreign country at the time of the crime and i truly feel the firm never did what i hired them to do. 

i have begged for my monies it is not about the monies it is about ethics and the firm and the supposed atty XXXX XXXX XXXX sent me an email offering me free money in exchange for me to quote forego a negative review and what i understood not to file a compalint with the XXXX of XXXX. 

The complaint is against credit card company American Express and the firm who accepted monies is XXXX XXXX XXXX XXXX my monies because i should not have to pay one single cent for this miscarriage of justice, in certified letters i asked the firm to stop working on my cases they refuse to let the case go thus running up additional legl fees. 

American Express has truly been not helpful they have recordings of how i have been affected i have recording too where the American express is not freindly in fact it feels like some psychological torment they have put me thru the most recent time. 

Anyhow i have reported it to internet crimes because this supposed attorney is sending emails with a cut and paste font and no true header it is suspicious. At first he directed me to firm paralegal who quote was handling this then continues to send emails i am not going to respond tothe firm until i get assistance from this dept. 

Please reach out via my email at XXXX and XXXX My mail address as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The complaint is against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ph XXXX email : XXXX website XXXX In specific gainst the attorney sending emails representing himself as XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

Citi bank keeps calling even thou I send a cease and deist letter to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX - XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance {$460.00} XXXX XXXX XXXXXXXX Balance {$7.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXXL XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$460.00} XXXX XXXX XXXX Balance {$7.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX Inquiry Date XX/XX/2021 TRANSUNION : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$460.00} XXXX XXXX  XXXX Balance {$7.00} XXXX XXXX Inquiry Date XX/XX/2021
Product: Credit card

we have had a chase credit card account for our business for nearly XXXX years. it has never showed on our personal credit reports. a payment was late in XXXX XXXX this was a bank error. chase decided to report this lateness to the credit bureaus and put the account on our credit reports even though the account and the previous XXXX years of on time payments had never before been on the personal credit reports. as long as it was in a positive status they did n't bother reporting it. only when it was late did they decide to add it. this late payment status has negatively affected my credit and has caused a lengthy mortgage refinance process to come to a halt over this late payment on the credit report. without this refinance we stand to lose close to {$90000.00}. chase will not entertain the possibility that this is an error. they refuse to change the information. they do n't care even a little about customer service or a decade long customer relationship. they did not speak with us prior to this action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were XXXX days late payment on my credit report and I do not believe I was late on the dates they are reporting. I contacted them XXXX times now & they claim this information is been verified but they have failed to provide me with any proof. This account should not be showing I was of XXXX days late since it's a closed account & Ive never been late. Please investigate this matter & provide me with verifiable proof as I have seen none in the last XXXX months of me disputing this issue. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and removed from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX Account Number : XXXX Reason : Please provide documentation that verifies the validity of the charge-off status. If no such proof can be provided, I request that you promptly update the balance to {$0.00} or remove the negative payment status associated with this account. 

INQUIRIES : TRANSUNION 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 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 XXXXXX/XX/XXXX These items are either reported inaccurately or have already been resolved. I kindly request a thorough investigation and correction. Despite reaching out to both the credit reporting agency and the data furnisher, the issue persists. I have included supporting documents and screenshots of my credit report that highlight the inaccuracies and substantiate my claim. Please address this matter promptly and update my credit report to reflect accurate information.
Product: Debt collection

I am a victim of identity theft & fraud as my wallet was stolen back in 2023. There was line of credit & charges ( $ XXXX ) was taken out from XXXX XXXX ( Re : XXXX XXXXXXXX XXXX XXXX. I did not open this credit account nor make those charges. I have called & written the debt company, Midland Credit Management to inform them of those fraudulent charges, but they continue to send me letters asking for payment. Most recently on XX/XX/XXXX, I received a letter notifying me the were going to turn me over to a lawyer for a possible lawsuit against me. I have written them again to inform them that I will not pay for a debt that I did not open.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that o.re not mine. I noticed it because I recently applied for o. credit card and I wasn't approved so it prompted me to check my credit report these items listed are not mine and need to be deleted from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX There are also several inquiries as well that need to be deleted. XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX.
Product: Mortgage

I paid my mortgage on the portal on XX/XX/XXXX and received a confirmation that it was received by Lakeview Loancare on XX/XX/XXXX. On XX/XX/XXXX they called me saying they did not receive a payment, though I had confirmation that they received. I then paid again over the phone with an operator and they told me it was successfully processed. Then yet again on XX/XX/XXXX I received a notice saying the payment had been received. By XX/XX/XXXX the payment had not been received or drafted from my bank account. I provided bank statements and acting banking activity for two months showing that the money was in the account the entire time and had been been drafted nor was a hold placed on the account for the funds. I had to mail them a physical check for two months worth of Mortage for them to finally process the mortgage payment for the months of XX/XX/XXXX and XX/XX/XXXX. I attempted multiple times to file a complaint and submit my documents through lakeview loan cares online portal and was not allowed to do so, as it was not allowing me to submit the documents though all information they requested was provided in the correct order. I called customer service everyday from XX/XX/XXXX to XX/XX/XXXX and was given multiple excuses as to why the payment wasnt processed. They claimed it was my banking information but we confirmed through their customer service representative that the information they had was correct. They then proceeded to tell me that it was my banks fault and they didnt release the funds, though again the bank statement and activity showed the money was there the entire time. They are now trying to charge me late fees and they may have reported me as late on my credit
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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am submitting this because the XXXX bureaus are reporting misleading, and inaccurances on my report. This is keeping me from obtaining credit.
Product: Credit card or prepaid card

Friday XX/XX/2022 at XXXX I received a email from American Express saying they just closed my XXXX XXXX XXXX  credit card I have with them, because of my credit report showing delinquency with another account that has no association with American Express . My accounts is in good standing by not being in default or delinquent so adverse does not apply to me pursuant to 15 USC 1691 ( d ) ( 6 ) This action from American Express is discrimination pursuant to 15 USC 1691 ( a ) I have been a loyal customer to American Express and to suddenly be treated this way is heartbreaking. I have faced XXXX and XXXX  since being stripped of my credit card, making it difficult pay bills and get gas for my car. American Express is responsible for all damages resulting from there actions towards me
Product: Money transfer, virtual currency, or money service

I never received any information about my account has been closed in XXXX when I XXXX XXXX. US bank closed my bank account and send a check with my name but deposited to my ex wife account with fraud signature. I never received any statement from US bank since the account has been closed. Us bank never contacted me to inform me the account has been closed and I should receive a check. I never receive the final statement. My first time received the statement is XX/XX/XXXX from XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to XXXX, Experian and XXXX stating I opened a XXXX XXXXXXXX card in 2017 and I never received it due to some one stealing my mail and using my card for fraudulent purchases. I ended up having to pay the cards balance off and closed the account but for some reason it still shows negative reports on all 3 credit bureaus. I would like that account taken off my credit reports due to it being used fraudulently
Product: Debt collection

XXXX XXXX XXXX Account Number XXXX I logged in to check on my credit report to find an account in collection for the amount of {$110.00}.

This should not be reflected on my credit report and is inaccurate information.

Any previous medical bills were paid off by my health insurance at the time and I was specifically informed by the " Original Creditor '' that I have nothing owed beyond what insurance has paid.
Product: Credit card or prepaid card

On XXXX XXXX, 2022, {$160.00} posted to my Capital One Savor credit card account after I made a phone payment to XXXX company of XXXX, OK for lawn services. The correct amount I owed XXXX was for {$120.00} ; creating an overcharge by XXXX, and a {$37.00} credit balance on my XXXX account. I called XXXX several times about the overpayment and credit on my account to no avail ; nothing was done to return the {$37.00} to my Capital One Savor credit card. I opened a dispute case with Capital One concerning the {$37.00}. Later I found out this case was closed, because I did not submit documentation proving the overcharge. I told the Capital One representative I received no letter or notification requesting documentation, and I then had a second dispute case opened with Capital One. I requested Capital One send me an e-mail link, so I could send a requested, signed form and proof of overcharge to Capital One electronically. I submitted the signed form and a copy of my XXXX bill/receipt. The bill/receipt showed what was actually charged by XXXX for XXXX, the Capital One Savor credit card payment, and the credit balance/overpayment on my XXXX account. I submitted this information to Capital One on Sunday, XXXX XXXX, 2022. XXXX Monday, XXXX XXXX, 2022, I received an e-mail notification from Capital One that my dispute case was again closed, because I failed to submit proper documentation ; even though I submitted the requested form and proof of being overcharged by XXXX. I feel Capital One did not use due diligence to resolve my dispute case properly, and I am asking the CFPB to please assist me with this matter.
Product: Money transfer, virtual currency, or money service

I have had my cash app as my business account for the last past XXXX years until XX/XX/year>. They close my account and they wouldnt give me a reason why I submitted a form to get my account reopened. They denied my account I file taxes with this account and I am not even able to get into my account to even get W-2s. I spoke with them briefly last week about the situation they gave me a reference number and said that they will get back to Me. I received a notice today stating that they can not reopen my account and they will not give me any information on why they can not open my account. I have digital currency and I I am not able to access it at all. I had told them that I will be seeking legal action about the situation.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound dissatisfaction and concern regarding the handling of fraudulent items on my credit report by your agency. Despite numerous attempts to rectify the situation and provide evidence of the fraudulent nature of these items, I have encountered significant delays and hurdles in having them promptly removed.

Despite my diligent efforts and the seriousness of the matter, I was shocked to receive notification that the fraudulent items were being expedited for removal from my credit report without thorough investigation or validation. This premature action has left me vulnerable to further financial harm and has undermined my confidence in your agency 's ability to handle such sensitive matters effectively.

I strongly urge your agency to reconsider the expedited removal of the fraudulent items and instead conduct a comprehensive investigation into the validity of these claims. It is imperative that all necessary measures are taken to ensure the accurate reporting of information on my credit report and to safeguard against potential future instances of fraud.

Furthermore, I request transparent communication and regular updates on the progress of the investigation into these fraudulent items. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. In requesting documentation none was provided. Due to identity theft this should be removed.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX, XXXX XXXX XXXX SBNASELFLNDR, I am writing to address blatant violations regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws specific to Illinois, particularly under XXXX XXXX XXXX XXXX 

It has unequivocally come to my attention that SBNASELFLNDR has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Illinois state law, including identity fraud statutes relevant to XXXX XXXX, emphasizes the necessity of consumer consent for credit reporting. Specifically, Illinois law under the Identity Theft Enforcement and Restitution Act underscores the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for SBNASELFLNDR to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that SBNASELFLNDR immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Illinois state laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Illinois state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that SBNASELFLNDR will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting or other personal consumer reports

cease and desist contract was fraudulent the dealership collect down payment they have closed down sense the pandemic financial company credit acceptance still harassing me reporting inaccurate information on my credit profile for 7 yrs 11 months