23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have been dealing with identity theft for YEARS. The following information is not mine and should be removed off of my credit file immediately. I am also including my photo Identification, police report and fraud report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE FOLLOWING CREDIT INQUIRIES ARE FRAUDULENT DUE TO IDENTITY THEFT AND MUST BE REMOVED : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

this debt collector is in violation FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g by not providing my request for validation i have given them 30 days and they have not provided me with the information I requested. they are also in violation of the Fair Credit Reporting Act 15 USC 1681 ( a ) ( 1 ) by reporting inaccurate and unfair information to the three credit bureas XXXX, XXXX  and XXXX. my privacy has been violated by these actions and it is having a negative effect on my life which is Also a violation of FCRA 15 USC 1681 ( a ) ( 4 ). this account needs to be removed from my credit report immediately.
Product: Debt collection

This debt collection company is violating my consumer rights and causing me emotional distress by constantly harassing, publishing an alleged account that I do not owe. I have reached out to this company several times via phone call and email which I recorded for proof. I owe no debt to XXXX XXXX XXXX nor XXXX. I refuse to pay a debt, I do not owe. I also do not wish to contract with XXXXXXXX XXXX XXXXXXXX. This has caused me job loss due to negative and false information published by this debt collector, which made me suffer XXXX and XXXX. This debt company negligence has caused me to seek medical attention.
Product: Checking or savings account

I tried to edposit a check on XX/XX/XXXX, but after a while ( XX/XX/XXXX ) the bank said it was returned. The return reason was : Refer to maker. In the same day I called the check issuer, Citizens Bank, to check what happened, but they said they could not provide me with this information.
Product: Money transfer, virtual currency, or money service

My former complaint number reference : XXXX I want to tell you more about the identity theft that occurred this last weekend of XX/XX/2022 - XX/XX/2022 XXXX XXXX XXXX XXXX only took tech questions from the man who was pretending to be me. They did not ask me personal questions like how many holes are in your XXXX undershorts and what is the brand name ( XXXX holes no brand name it fell off ) They could have asked a number of personal questions that only I would know and all those questions would have to be answered correctly before ANY money is released to ANYBODY from ANY accounts ANYWHERE. And they didn't even use a voice identification which if they would install XXXX and used it, they would have heard that man was not me at all. I got to hear the recording of his phone call to Zelle at my XXXX Bank today. They let me hear it. So you see, many - many - many things could have been done to prevent this from ever happening and it is the company Zelle, XXXX Bank in XXXX, Nebraska, and XXXX XXXX XXXX XXXX 's fault for not using identification questions that are personal and using a voice identification. They are all three negligent. Plus, any XXXX of those places could have called me first at my home phone number that this man does not know to see if it was really me making this transaction. Not everybody has a home phone. I DO! And most people have more than XXXX cell or mobile phone. Again all three of these companies are negligent at my expense. NOT FAIR!! That is why I say, " Get a lawyer to sue all three companies. I can not afford one because I am on Social Security XXXX XXXX, but there could be any lawyer, chomping at the bit to have a case like this. I would win, hands down because of all three companies ' negligence. '' But all three companies argued with me when I told them what they all could have done that would have worked just like I told you, and this identity theft NEVER would have happened.
Product: Credit reporting or other personal consumer reports

Spring Oak Captial and XXXX failed to specify Please provide the following : Agreement that grants the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor where I agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 


As well as written signature that I signed for the debt with Spring Oak Capital. 


This account has already been removed from XXXX and XXXX and has yet to be deleted properly
Product: Debt collection

I am on a payment plan for a portion of my XXXX XXXX bill, but apparently not all of the bill. So I was sent to collections for the outstanding balance. I contacted H & R accounts about the past due amount and was told I owed {$6800.00}. I explained the amount I had on my statement from XXXX was {$4800.00}. H & R accounts told me they can not accept payment for anything less than the amount owed. I called back to XXXX to see where the discrepancy was and I was told that the initial charges were {$47000.00} then the self-pay discount was applied of {$40000.00} leaving the balance at {$7300.00}. I made an initial payment of {$2400.00} leaving a balance of {$4800.00}. However, when the account went to H & R the self-pay discount was removed and the financial assistance discount was applied at {$38000.00} leaving a balance of {$9200.00} minus the {$2400.00} leaving a balance of {$6800.00}. 
Why would they remove my self-pay discount and apply the financial aid? Especially if it is more money? I spoke with XXXX, XXXX and XXXX from XXXX and they explained they were not sure how the self pay discount was removed, since I am self pay and have no insurance and the financial aid was applied instead. 
When I spoke to XXXX to take care of this they told me I needed to wait until the account had come back to them before I could make a payment on it. I contacted XXXX on XX/XX/23, XX/XX/23, XX/XX/23 and XX/XX/23. I do not want this account to default and XXXX does not have any information for me and they can not take a payment on the account. H & R accounts said they have no control and I need to contact XXXX to resolve the issue but XXXX is no help at all. I feel they are trying to sabotage me because they are trying to charge an additional {$1900.00} to my account when they know that is not what I owe. This is fraudulent and immoral way of changing the bill when it is sent to collections and it is wrong! If I had not found out about the erroneous change in self pay vs. financial aid discount that was applied, I could have been held responsible for the higher amount when that is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section XXXX of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and XXXX XXXX with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting or other personal consumer reports

RE : XXXX XXXX Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within XXXX business days, pursuant to Section XXXX of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1881b Permissible Purpose of consumer report, 15 USC 1681c-2 Block of information resulting from identity theft, 15 USC 1681n civil liability for willful noncompliance. THESE TWO COMPANIES VIOLATED MY CONSUMER RIGHTS, XXXX XXXX XXXX WLLING GAVE AWAY MY PERSONAL INFORMATION WITHOUT MY CONSENT, CHECKSYSTEM, AND XXXX XXXX FURNISHED THAT INFORMATION ON THEIR PLATFORM WITHOUT MY CONSENT. ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. USC 1681 ( 3 ) ( e ) The term investigative consumer report means a consumer report a portion thereof in which information on a consumer character, general reputation, personal characteristics, or motive living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he or she is acquainted or may have acknowledged concerning any such items of information. Checksystem never interview any of my neighbors or close friends during this investigation of my report. These corporations have violated my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts and items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove & block any accounts and information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Burueaus and the bank 's records ( learned through more research both parties require ). Please remove these files as they were the results of Identit Theft : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance - Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Date opened XX/XX/XXXX. If the Credit Bureaus feel there is a possibility these information belong to me I will require all documentation that bears my signature ( another research item I found that requires the Credit Bureaus to verify with 100 % accuracy that each itms is 100 % true, accurate, correct, complete & VERIFIABLE ). If the Credit Reporting Agencies do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Debt collection

On XX/XX/XXXX, I sent a certified letter requesting verification/validation of the debt, and requested all information as suggested on the CFPB.gov website. I have proof of delivery that it was recieved XX/XX/XXXX. On XX/XX/XXXX, the debt collector has called once and has mailed another collection letter, but has not provided the requested information. So they have continued collection attempts and have ignored my verification/validation letter, including threatening legal action to sell this alleged debt to a local attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY complaint is with CFPB and the complaint I had filed against Wells Fargo! I was notified today that a response letter was in the complaint file and the complaint was closed before I even saw the letter!

The person LIED about set fees when my son tried to cash the check that was on a Wells Fargo Checking Account! We were CHARGED {$20.00} from the teller who waited on us!

WhaXXXX XXXX XXXX is NOT cheated out the Presidency AGAIN! Because ALL of you needs a XXXX overhaul! Lazy good for nothings!
Product: Credit reporting, credit repair services, or other personal consumer reports

I logged into my Experian account to check my credit report when I noticed some inquires that I did not authorize and I tried to dispute them online but the only option was to call a toll free number. So I did. The representative that I had XXXX, told me that I can not dispute inquiries. I can only call the merchant and hope that they remove them. This information on my report is not right and the company reporting it is allowing false information to circulate without any help to fix the situation. I asked to speak to a supervisor and XXXX refused me leaving this as my only option to get some help in getting this resolved.
Product: Credit card

I am disputing the collection account with WFBNA CARD account numbe XXXX XX/XX/year>, with a balance of {$490.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that WFBNA CARD provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was pulled by USAA on XX/XX/XXXX and XX/XX/XXXX and it was right off the rise these are hard credit and I would like them removed from my credit report immediately if they are bringing down my credit score
Product: Credit card

The company charged consumers interest charges when the balance was paid in full by the due date. No interest is accrued if you pay the balance by the due date. They are fraudulently billing consumers fees
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cashapp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Comsumer 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 with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit card

I have never let payments on this account become overdue, always ensuring they are on time. I'm uncertain about the cause of the late payment reports on my accounts. As stated in 15 USC 1666b, the billing error should be addressed.
Product: Mortgage

I do not know where to begin, except my situation with my mortgage is not right. Its been on-going for years since during and after my Chapter XXXX Bankruptcy discharge in XXXX. For all I know, it may have started when I bought my home. My mortgage was with XXXX XXXX, which was bought out by XXXX XXXX XXXX at the end of my Bankruptcy in XXXX ; which in turn was handed over to SPS to service in late XXXX. In addition, ever since a medical condition and a long unemployment, I felt that something was not right with how my situation was handled. For starters, there was a court order entered through bankruptcy court, which I feel was violated. I have attached this order with this complaint along with an audit/transaction print out from both XXXX and XXXX XXXX. Pay close attention to the date of the order and certain transactions done on or about that same date. When I question the mortgage company about their compliance with the court order, I was told that I did not know what I was talking about. However, it is in black in white. How much does a mortgage company need in " Restrictive Corporate Fees '', and then to turn around and tell me it was for attorney 's fees???? The big kicker was " we do n't care about that order '' From day one, my interest has been 14.65 %. When I ran into trouble from XXXX and my job loss between XXXX through the present, instead of the mortgage company helping me out by adjusting my interest rate and lowering my payments, I was denied a modification, but given a repayment plan that is barely affordable. Then my escrow was discontinued, which put me in situation where I felt the need to put my house on the market just to escape these crooks. I kept every piece of paper on my mortgage from the day I bought my house, and I probably have paid my house off at least XXXX times over. I have attached documents such as court order, transaction history, last statement from XXXX before switching over to SPS, correspondence regarding my Forbearance and Repayment plans, pay-off quotes, XXXX from Washington and XXXX from SPS, a fax to my bankruptcy attorney upon discovery of the violation of the court order and XXXX of few letters of circumstances that I was ask to write.
Product: Checking or savings account

Constant overdraft fees due to lack of apps technical issues and it wasnt responsive.
Product: Money transfer, virtual currency, or money service

I was looking for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX online since this card has been sold out from XXXX. I came across a listing on XXXX for this card. It mentioned it was slightly used and was selling it for XXXX. On XXXX this exact card is going for over XXXX. I offered XXXX and he excepted. I asked about payment and he said he excepts XXXX. I continued to send payment for XXXX on XX/XX/20. On XX/XX/20 XXXX texted me back saying that I need pay XXXX additional for shipping and insurance. I advised him that I don't need the insurance and would only pay the shipping. He was then harassing me to send me him money. He started at XXXX, then XXXX, then XXXX. I simply said no and this doesn't sound right. I said no deal and send me my money back. Also, he was using a different phone number as well for the texting. It was XXXX XXXX XXXX XXXX. Since XXXX I have been bothering him to send me my money back and at one point he said he would on XXXX but it would have to be a wire transfer. I told him to stop play games and send my money back. I also sent money request through XXXX and he continued to decline them. I gathered this information that i have from a website XXXX 

I bank with TD Bank and when I informed them that I was a victim of this scam they would not do anything to help me get my money back. I have 3 accounts with TD and a long standing customer. They simply refused to help me. They said I can open a case but most likely they can't help. This is outrageous that I can not rely on my bank to help me at all. Now I filing complaints all over the internet on my own from being a victim of this scam. Next item is XXXX, they also said they can not help. Companies like XXXX, and XXXX protect their customers but seeing that XXXX and TD are not willing to do anything.
Product: Debt collection

Repeated collection reporting without providing 100 % accurate verifiable information. 
I have asked in writing multiple times to provide documentation showing I authorized opening account from original creditor and/or my authorization debt be transferred to another debt collector. 
Balance : {$2000.00} Balance : {$840.00}
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 XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a 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

Opened XX/XX/XXXX XXXX XXXX Account is showing late payments for XX/XX/XXXX and XX/XX/XXXX. The account was never late and the vehicle was totaled on XX/XX/XXXX. Insurance submitted payment to them shortly after and they still marked the account as late payment. Account is current and the next payment is not due until XX/XX/XXXX.
Product: Checking or savings account

I opened my checking and savings account through the {$500.00} referral code but Albert Cash does not honor my reward.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX, XXXX XXXX, and WFDS/WDS. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting all 3 bureaus and XXXX XXXX, XXXX XXXX, and WFDS/WDS with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

Equifax failed to investigate this account properly after I repeatedly asked to have the account removed, your neglect has once again violated my consumer rights. I am demanding a deletion of the following account : XXXX XXXX, which is same data which I have proof in my upload Portfolio Recovery which are the same inaccurate information. 

I have repeatedly asked that they remove this from my report This inaccurate information falsely manipulates the my credit worthiness and it's hurting my ability to obtain credit, and violating my rights