23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

According to the notice, the original debt is with XXXX XXXX XXXX XXXX XXXX, XXXX XXXX for {$290.00}. 
GRANT & WEBER ( reference # XXXX ), Debt collection agency, sent me a written notice on XX/XX/23. I did NOT receive the notice until XX/XX/23. 
Issues : 1. I do not/ have not agreed to any debt directly with XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I have insurance and everything I do is directly through XXXX XXXX. I have a record of any outstanding balances from XXXX and this was NOT included. 
2. I have NOT received any written notices/ Invoices from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
3. I have NOT received any notices that my debt will be referred to a debt collection agency. 
4. GRANT & WEBER confirmed that they reissued the letter because they had issues with the mailing address. However, when they mailed the notice, the date of the letter stayed as XX/XX/23. That means that my credit can directly be effected 60days from the wrong start date. 
5. I called the GRANT & WEBER and asked for the original Invoice showing my original debt. I talked to XXXX @ ext XXXX. She said that it will be emailed to me. But I never received any documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a purported letter from Equifax, stating that they have been attempting to reach me. The letter states : Contact Equifax Customer Care Team at XXXX. After contacting Equifax at their true and correct number, I was told that this letter is a scam.
Product: Vehicle loan or lease

I was struggling towards the end of my lease with Nissan Motor Acceptance Corporation. I had forgotten to pay some fines and my license got suspended and I was in between places so I didnt get the message. I get pulled over and my car impounded. I call Nissan and inform them that I was having issues and I know Im 2 months late and this will be the third but Ill be able to pay them a week later on payday. They say its not a problem. I pay to get my license restored and my car out the impound with the money I had to pay NMAC with. When I get up to drive to work for the first time in 3 days my car is gone and the police inform me that it was repossessed. I call NMAC and they say since it was so close to the end of the lease they arent willing to take a payment at all and that the car will be auctioned off. They auctioned it off at far lower value than it was worth and Im stuck with a nearly {$9000.00} debt for a car I no longer own. The collection practices by the debt collector have been very persistent. Almost to the point of harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a consumer pursuant to 15 USC 1692a ( 3 ), 12 CFR 1006.2 ( e ), 12 CFR 1026.2 ( a ) ( 11 ) and 16 CFR 433.1 ( b ). //// XXXX, TRANSUNION and XXXX are CONSUMER REPORTING AGENCY pursuant to 15 USC 1681a ( f ) ( p ). This is a dispute pursuant to 15 USC 1692g//XXXX XXXX, TRANSUNION and XXXX violated the FCRA for furnishing and reporting negative information on my consumer report that is inconsistent with the Permissible Purpose under the FCRA 15 USC 1681b. /// XXXX, TRANSUNION and XXXX violated my consumer right to privacy which is a violation of 15 USC 1681 ( a ) ( 4 ), furnishing negative information without my consent //// XXXX, TRANSUNION and XXXX reported some negative transaction information, in violation of 15 USC 1681a ( 2 ) ( A ) ( i ), which clearly states that the consumer report does not include any report containing information to as transaction or experiences between the consumer and those financial institutions///// XXXX, TRANSUNION and XXXX also violated 15 USC 1681b ( a ) ( 2 ) for furnishing the negative information in my consumer report without my written consent. ///// XXXX, TRANSUNION and XXXX also violated 15 USC 1681s-2 ( 7 ) ( A ) ( i ) and 2 ( 7 ) ( B ) for failure to send me a NOTICE OF NEGATIVE INFORMATION as mandated by the FCRA. I'm being denied credit and jobs opportunity due to XXXX, TRANSUNION and XXXX non-compliance and violation of the FCRA /////I DEMAND the complete removal of the XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX and XXXX accounts including and not limited to any NEGATIVE REMARKS reported by XXXX, TRANSUNION and XXXX XXXX they were furnished without my consent ) /// NOTICE IS GIVEN : In the event XXXX, TRANSUNION and XXXX failed to comply with the FCRA , this complaint will be used as exhibit in any future federal complaint in Federal Court for the above referenced violations of the FCRA. And this account with be reported to the IRS for proper audit
Product: Checking or savings account

I had a high school checking account under my mom for three years I finally went to change to a college account. Once I got home I was not able to log in account I called the bank they advised me account was restricted call back another day. My high school account was closed and so was my college account for no reason representative told me they have no reason after they did Investigation on my account for a whole week to find out my account will remain closed and I can not bank with chase with no valid reason. I called executive office I was in contact with  XXXX case # XXXX representative name was XXXX
Product: Checking or savings account

Real state sent me from a scam account to wire money to buy a home with tittle company, bank and tittle company didnt talk to each other to confirm bank account numbers and info, I asked the bank to return my money, its on truist bank
Product: Credit reporting or other personal consumer reports

TransUnion and XXXX, I am filing a formal complaint against TransUnion for incorrectly reporting a business credit card on my personal credit report. The account in question is issued by XXXX XXXX XXXX XXXX XXXX Bank ), with the account number ending in XXXX. This account is a business credit card and should not be included in my personal credit file, as it violates the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ).

I have formally disputed this with TransUnion, requesting the immediate removal of the account from my personal credit report. I have provided supporting documentation, including a highlighted copy of my credit report and proof that this is a business credit account. Despite my dispute, the account remains on my personal credit file, negatively impacting my credit profile. 

I request the CFPB to investigate this matter and ensure that TransUnion complies with federal law by removing this incorrect reporting.
Product: Debt collection

Charged off account w XXXX  XXXX was PAID IN FULL back in 2019! 
Why are you still trying to collect on a paid debt??
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Experian did not investigate my dispute claims against XXXX XXXX credit. I was incarcerated at the time of the charges that were incurred on my credit card. When I disputed XXXX XXXXXXXX they responded with an accurate information judgement on my incorrect report. 

Experian also did not complete a proper investigation into the matter because they were notified of my dispute through them as well. That being XXXX XXXX how now been greatly hindered with late payments as well as a charge off for XXXX XXXX 

My dispute was made through cfpb as well that Experian and XXXX XXXX XXXX. I WAS IN JAIL ITS A CASE OF MISINFORMATION, AND I WANT IT FIXED.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I wrote a letter to XXXX, Equifax, and XXXX asking them to delete all inaccurate personal information from my credit report I mailed in supporting documents such as current drivers license, birth certificate, social security card, current utility bill, ect. and they still failed to update my personal information. again on XX/XX/XXXX I sent a second letter to all three credit bureaus with supporting documents and again on XX/XX/XXXX a third letter with little to know result. Some information was updated and removed with XXXX, and Equifax, but nothing changed with XXXX, and XXXX has been the most difficult to work with. I even sent in a police report where my wallet was stolen that had my current drivers license, and social security card in it. 

I have continued to send letters with little to no results : XXXX letter sent XX/XX/XXXX letter sent There was a collection from XXXX that showed up on my credit report at the end off XXXX or the begging of XXXX I tried to dispute that, but that came back as verified. I have requested a debt validation letter from all three credit bureaus, and I have not received anything. I have not received anything in the mail from XXXX and I truly believe that this collection does not belong to me. 

After my wallet was stolen I started seeing hard inquiries appear on my credit report I don't know what else to do, but the information that they refuse to update or delete is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  is reporting 3 missed payments on my credit report.
Product: Credit reporting or other personal consumer reports

I the consumer requested a copy of my consumer file from LexisNexis. I never received it and if they are hiding vital information pertaining to my consumer report I may use the law accordingly.

15 U.S. Code 1681 Congressional findings and statement of purpose ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

3 ) consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

See attached for identification
Product: Credit card

Dear Sir /Madam : I received a text message on or around XX/XX/year> from Ally Credit Card asking if I had authorized XXXX transactions to XXXX XXXX. : XXXX for {$900.00}, {$860.00} & {$900.00}. The text said to respond XXXX XXXX XXXX. ( ENCLOSED IS A COPY OF THE TEXT MESSAGE ] responded XXXX  and called them immediately after because they sent another text asking to call them. I advised them not to authorize those transactions. On my credit card statement it shows XXXX total transactions to XXXX XXXX that advised Ally none were authorized by me.
Product: Credit card or prepaid card

On XX/XX/2021 on a XXXX flight from XXXX to XXXX I received from the flight attendant a promotional offer for a Jetblue Plus credit card offered by Barclays. The offer stated that I would receive XXXX points after spending {$1000.00} and paying the XXXX $ annual fee and then would receive another XXXX points after spending a total of {$6000.00} within 12 months of receiving my card. I thought that was a great offer and so I completed the application and returned it to the flight attendant. I then received my credit card from Barclays a few weeks later and began using the card. I encountered problems with Barclay linking my card to my XXXX account and had several discussions with Barclay representatives. In none of those conversations did Barclay reps tell me that the promotion I had signed up for had expired.

Three months after receiving my card, and after spending the required {$6000.00}, I called Barclays to see when I would be receiving the additional {$50000.00} advertised in the promotional brochure I filled out on the plane on XX/XX/XXXX. During the call, the rep informed me that that promotion had expired on XX/XX/XXXX and I would not be receiving any additional points. I explained that the application I filled out on the plane on XX/XX/XXXX promised a total of XXXX miles and I expected that promise to be honored. I also asked why no one at Barclays informed me that the promotion I signed up for had expired when my application was approved on XX/XX/XXXX nor when I spoke with reps on several occasions after that to clear up the problem with linking accounts. The rep said there is nothing they can do unless I can produce the paper brochure I had received four months ago on the plane - a completely unreasonable request since I had received my actual credit card and had no reason to hold onto a paper brochure. I asked why they would need this in any event since the specific promotions tied to an application should be coded on the application I submitted to them. I got no response. 

I subsequently checked the internet and found out that even though the XXXX promotion had stopped being advertised in XXXX on the Barclay site that this promotion was still available for sign- up in flight - which is when I signed. 
.
Product: Debt collection

On the date of question ( XX/XX/2023 ) Advance America opened an account by someone else in the amount of {$470.00}, and now it appears on my credit report as a debt collection. I work XXXX hour day shift at a XXXX and that particular day I was working. I do not live in Missouri which is where this account was opened. All three of my credit bureaus were placed frozen for years at my request ; therefore, there should NEVER be any accounts open without my permission. In order for anyone to request any information in regards to my account, I first UNFREEZE my account in which I have not and I never did that. I know nothing about this company or what they do. All of my bills are ALWAYS paid on time and closed once I have completed payment. I have been in great standings with all creditors opened ONLY BY ME! I know nothing and have no knowledge of this company. I welcome this company to provide proof that this account was opened by me ( MY picture, MY signature or proof that this was opened by me. I can guarantee, this company is not able to provide proof it was me.
Product: Money transfer, virtual currency, or money service

{$560.00} was stolen out of my bank account via XXXX. 
I contacted both Chase bank and XXXX and I was transferred to multiple departments with no actual answer or solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately any or one, I would like it removed immediately. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 15 U.S.C. 1692C XXXX Account # 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 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 ImIs inaccurate. The following inquiry needs to be removed immediately : by the provision of the Fair Credit Reporting Act, i demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify I understand that under 15 U.S.C. Sec 1681i ( a ), they must complete this reinvestigation within 15 days of receipt this complaint.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XX/XX/XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, WI XXXX XX/XX/XXXX 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 4 business days after the date of receipt.
Product: Mortgage

On XX/XX/2022 my commercial loan consisting of 35 properties was transferred from XXXX to Fay Servicing. Within days of transferring, XXXX  requested proof of insurance for the 1 referencing property on this loan. My insurance agent complied and sent them proof for just the one property. What they actually wanted was proof of all 35 properties. Before he could send them, the loan was transferred to Fay Servicing. Also, XXXX force placed Insurance in the amount of $ XXXX. This totaled {$250000.00} ( 34 properties ). The loan came into Fay Servicing with an escrow deficit of {$250000.00}. 
I found this out mid XXXX of this year and since then have been spending days and days trying to resolve the issue. I was able to show proof to XXXX that I was covered for the time I had my loan with them. They have since credited my, now transferred, account. In that time I've communicated with many different reps over there. I documented all their names, email addresses and some phone numbers. XXXX and Fay Servicing both stated that they will not voluntarily communicate with each other. I have made it my mission to get this resolved. I sent Fay all the documentation I received from XXXX showing proof that the deficit has been credited. I also sent them names and emails of contacts I have communicated with, for this info. That was sent to Fay on XX/XX/XXXX. I also sent Fay all my insurance certificates for all 35 properties so they can do a new escrow analysis. I should be in the positive {$32000.00} in my escrow account on that 1 loan. They are still showing a deficit of {$220000.00}. 
I have called Fay many times since I have started this and nobody has any answers to why this isn't getting resolved. They just claim that there is no communication amongst all the different departments. ( escrow, commercial, insurance ). I'm worried because my insurance is due in 20 days and without receipt of the premium to my insurance company, I'm at risk of Fay force placing their own policy. Please let me know what I/we can do in order to resolve this issue. It shouldn't be this difficult to zero out a mistake. Thanks in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is currently in litigation due to deception and predatory lending practices. This account falls in that XXXX - XXXX timeline. They were asked to provide information below several times and failed. The original account- XXXX XXXX Bank was charged off. On XX/XX/XXXX Judge once again ordered XXXX XXXX XXXX to provide 1. Balance and all payment history I have supposedly submitted/not submitted, what the payment is for ; 2. Provide 1099c and credit insurance ; 3. Provide original signed contracts with me and XXXX XXXX XXXX ; 4. Provide payoff disclosures, interest rate disclosures ; 5. Provide collections ; license number and court documents that allow XXXX XXXX XXXX to continue to pursue this debt in Florida ; 6. Provide documents that states this account was purchased or are you collecting on the original account holders behalf. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to " promptly DELETE all inaccurate information. '' In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 The Credit bureaus XXXX and XXXX stated my account was properly investigated but how is that possible if the Last reported is inaccurate, Date of Last Activity is inaccurate and date of last payment is inaccurate. This is a clear FCRA violation and is grounds for deletion.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the EXPERIAN Credit Reporting Agency , block informations appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. 

This fraudulent, inaccurate, and false information consists of the following : XXXX Accounts : XXXX XXXX XXXX Inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX Unauthorized inquiries : XXXX cXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit reports. I have attached a list of the hard inquiries in question, as well as a copy of the consumer XXXX  credit report maintained, which shows the mentioned fraudulent items. 

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.