23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Employer name ] [ Street Address ] [ City, State Zip Code ] [ Date ] Subject : Proof of Income Letter for [ Name of employee ] Dear [ Name of landlord or apartment community ], Please accept this letter as proof of income and verification of employment for [ name of employee ] at [ name of employer ]. [ Name of employee ] joined our team in [ month and year of employment start ], and currently holds the position of [ job title ]. [ Employee name ] is a [ full-time/part-time ] employee who earns $ [ dollar amount ] per [ week/month/quarter/year ]. 

Please feel free investigate the information that is not correct And proof of payment from the past due date and time that I got a agreement with the company striking This off my records I don't know what This is
Product: Debt collection

I am currently being sued by XXXX XXXX XXXXXX/XX/XXXX and I believe the lawsuit falls under the consent order issued by CFPB. 

I am filing a complaint so that if the plaintiff is violating the consent order by failing to withdraw the case, the CFPB can take proper action against NCT for the violation. 

I am being sued under MD code 3-306 ( affidavit judgment for assigned consumer debt ), since the affidavits filed by the plaintiff are signed by a representative for Transworld Systems Inc, and they are swearing to personal knowledge of the debt, assignment of the debt, etc, I believe this qualifies as one of the lawsuits the consent order was attempting to address in paragraph 49. 

I greatly appreciate the time of anyone reading this complaint. Thank you for your time. 

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

During the year 2017 53 zelle transactions were made in my name without any identity verification I found out far too late when all my money was gone over {$10000.00}
Product: Credit reporting or other personal consumer reports

The property states that I never paid rent for the XXXX year. I have been living in my current property over 18 months. I have sent the property, since they have changed management over 4 times. 3 other emails letting them know the situation. Received another email about late rent. Sent the email asking them to cease and desist. Next thing I know I am getting a notification on my credit report that I owe.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

This is my third 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, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$7400.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$2800.00} XXXX XXXXXXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXXXXXX Balance Owed : {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Zwicker & Associates Attorney at Law XXXX XXXX, XXXXXXXX XXXX XXXX I just got my report and I think it is wrong! I opened an XXXX XXXX card in 2006. It was closed and I paid it off. The law firm is stating they want funds for a card that was opened in XXXX. They are reporting I was opened in 2006 on my credit report. The firm refuses to give me supporting documents validating the debt. I was told I have the right to have an investigation done. Credit bureaus laws report that the bureaus report 100 % accurate credit history. Every step must be taken to assure that the information reported is completely accurate. The following information therefore needs to be re-investigated. Please make sure everything pertaining to my credit report is correct. 

Please provide me with the following items : 1. Pay Off Disclosure 2. Interest Disclosure 3. Balance History 4. Payment History 5. Credit Insurance Validate Accounts XXXX XXXX XXXX Contract Closed ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION. -- ( A ) IN GENERAL -- If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit card

I believe that Chase is inflating credit card balances. I monitor my balances very closely, pay regularly and keep it at around {$500.00}. With this particular card, I stopped using it for a few days to test this out, and on Sunday paid a large sum so that the balance came back down to around {$500.00}. Specifically, this past Sunday XX/XX/XXXX my balance was {$2500.00}. I paid {$2000.00}. On Monday after the payment was processed the balance was {$620.00} dollars and there was only a new charge of {$53.00}. Every other charge was was older, had already been included in the {$2500.00} balance and there were no pending charges. Still the numbers dont add up. Today the balance is {$670.00} and there are no new charges. Small increments, yet I cant tie them to any charge. 

This happens regularly. Perhaps people dont notice and when they do l, Chase always chalks it up to in transit or pending charges. There are none of those in this example. Whatever was on the balance was already reflected and stated. Ill say it again, theres nothing new charged on the card. 

This is concerning and you should look into it. If true, the scale of fraud would be immense, and this has happened before at other banks as you know. 

I truly hope you are a serious agency.
Product: Credit card or prepaid card

The bank behind the XXXX card is XXXX XXXX. This card has been charging me large late fees, and not applying my payments to the balance. My balance is going up and not down. I did email them, but it has been more than 3 months of late charges on my account. I had not seen where any of my payments applied to my balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not reporting my car loan through XXXX XXXX I have filed 4 disputes and each time they fix it the loan will reappear and then 30 days later it will fall off my credit history. The other credit reporting bureaus do not have this problem. I dont know what else I can do to help them to their job.
Product: Money transfer, virtual currency, or money service

My Venmo account was frozen on XX/XX/12. As per the company direction I changed my password and provided requested information to Venmo support. I have spoken to customer support who can not help and have directed me to account specialist who can only communicate via email ( I have all the exchanges ). Basically, without telling me why my account was frozen, they will not unfreeze my account unless they provide them a government issue ID such as my drivers license and passport. I do not want to do that. How do I know who, what, how and where they will use my confidential information. Just like your website says do not provide confidential data, Venmo should practice the same. Ive never provided Venmo with a government issued ID so providing how providing one now will prove who I am. They have nothing to compare it against. They indicated to me in correspondence that they have been collecting information on me. I have no idea what that means and how do I even know that they are collecting accurate information on me. I have provided them transaction history that only the account holder would know and offer to provide other Government issues ID that contains less sensitive and/or confidential data. Still there has been no resolution on my account. I would just like my account unfrozen. This whole experience has been frustrating and such a personal violation. I appreciate your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain toquestion specific records in my document coming about because of the wrongdoing. The account 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, blockthe noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX  XXXX ....
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Telephone : Date of Birth : XX/XX/XXXX SS # : XXXX I am writing to bring to your attention several egregious violations that have greatly impacted my financial well-being, as well as my emotional and mental state. I am seeking your assistance in addressing these violations and enforcing my legal rights under various consumer protection laws. The violations have led to inaccurate and damaging information on my credit report, severely hindering my ability to access fair credit and financial opportunities. 

Specifically, I have identified the following violations committed by various creditors : XXXX - Unauthorized Inquiry ( FCRA ) Date of inquiry : XX/XX/XXXX XXXX XXXX - Unauthorized Inquiry ( FCRA ) Date of inquiry : XX/XX/XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX - Multiple Violations ( FCRA, FDCPA, FACTA ) Account Numbers : [ List Account Numbers ] These creditors have engaged in improper reporting, including accounts involved in litigation, incorrect high balances, inaccurate dates of last activity, reaged accounts, reinsertion without proper notice, undated late payments, charge-offs listed as open, and collection accounts with limits. 
XXXX XXXX - Unauthorized Inquiry ( FCRA ) Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry ( FCRA ) Date of inquiry : XX/XX/XXXX Furthermore, these violations have not only resulted in financial hardship but have also taken a significant toll on my mental and emotional well-being. The constant stress, XXXX and frustration caused by these inaccuracies have affected my ability to focus on my work, strained my personal relationships, and even hindered my overall quality of life. 

In light of the above violations and the impact they have had on my life, I kindly request your intervention in enforcing my legal rights. I implore you to investigate these matters thoroughly and ensure that the creditors in question rectify their actions. Specifically, I request that they promptly remove the unverified and inaccurate accounts from my credit report, thereby enabling me to regain control of my financial standing and alleviate the emotional distress that has resulted from their actions. 

I deeply appreciate your attention to this matter and your commitment to upholding consumer rights. I look forward to a resolution that will allow me to move forward positively, both financially and emotionally. Please feel free to contact me at XXXX or XXXX for any further information or clarification you may require. 

Thank you for your understanding and assistance. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

l was foreclosed without any notice from the trustee or lender. Since l was working with a real estate agent who was to work with bank on my loan. Instead he sold it to his investor friend under the table.The broker knew people at the bank in XXXX XXXX where Citi residential was before they closed down.. Closing of Citi residential, my loan was transferred to Citi mortgage since both are part of Citigroup. l have asked Citi mortgage to send me my loan docs. Customer service agents would be so confused when they would look up my account some agents managed to give me information who had called for the serviced released matters and acting as a agent for me .which was the broker agent .Every time l called information would change it seemed like the account was monitored .Citi mortgage still have not provided me the loan docs l got my payment history which indicates my loan was still with them the last transaction was dated XX/XX/2009 but foreclose was on XXXX/XXXX/2009, The loan was transferred to XXXX then XXXX now XXXX they also did not have my loan in their system. Months and years trying to get docs and facts l have also got CFPB involved to get answers to my answers am still waiting for results, its still in process with CFPB. l was denied by foreclose review according to rust consultants the denial was from the bank it did n't make any sense. They could n't tell me more. l meet all the forecloser qualifications. lam still waiting for help. l wanted to bring this issue up with your dept. to help me and my boys we have been displaced, fraud out of our home by greed. The buyer of the property took out a XXXX XXXX did the loan with improper documentation. Then here we are can not pay rent, cant even get justice no money
Product: Credit reporting or other personal consumer reports

This is my second attempt to amicably resolve this issue with Equifax not abiding by the FCRA. I am a victim of identity theft and entrapment. I have submitted my police report, FTC report, and my complaint to Equifax. According to FCRA it is imperative that the credit reporting agency block and remove all items associated with identity theft from my Equifax report within 4 days. I submitted my original complaint with the CFPB ( XXXX ) and it was received by Equifax on XX/XX/year>. It is now 7 business days later and they have not did anything. I need Equifax to treat me fair and block and remove all information immediately. 

According to FCRA 15 USC 1681 c-2c ( a ) block and remove all information that is related to the identity theft committed by the personal reported in the police report. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Re XXXX Acct XXXX XXXX {$120.00} To Whom It May Concern : This letter is being sent to you in response to your recent letter. This is not a refusal to pay, but a notice that your claim is disputed. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. 
Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the XXXX, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 
The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 
Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to obtain my Experian credit report. The company will not provide it to me. I have tried unsuccessfully several times to contact Experian by phone and to login to their online system from XX/XX/XXXX XXXX, 2022. It is impossible to connect to a human being by phone, and Experian is not providing me with any support. 
Their website keeps giving me the following error when I attempt to login : We have encountered an irrecoverable system error. Please note that your order has been canceled. Sorry about the inconvenience. Call us toll-free at XXXX. However, when I call the provided number, the automated call center refers me back to the broken website, or hangs up on me.
Product: Debt collection

I have disputed the Franklin Collection account that is reporting either in error or as a result of identity theft on my credit file many times. I have not had any success getting this matter rectified. So, I am asking for your assistance in getting this matter resolved and removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received at alert from Experian 's credit monitoring function to advise me that XXXX had reduced my available credit line on my XXXX branded credit card. This action can cause my XXXX XXXX to dip. I immediately checked and this was an error, so I attempted to utilize Experian 's online tool to open a dispute and correct my credit report. Upon submitting, the tool said my submission failed and that I either had to telephone or upload supporting documents. I attempted both. When I telephoned, the automated attendant stated that it was " unable '' to " find '' my XXXX account on my credit report. That makes no sense. Nevertheless, I proceeded to submit supporting documentation to evidence that my XXXX credit limit is {$7500.00} and received confirmation that my upload was successful. However, DAYS ARE PASSING and nothing has happened ; the erroneous information continues to be reported and Experian has not opened a dispute.
Product: Credit card or prepaid card

I was speaking to a lady on the phone and we are talking about other matters long story short she opened an identity theft case in my name and every time I call Wells Fargo now they say they dont have any information about it probably because someone in the company doesnt like me I dont know but if you want to change that case number here it is XXXX The lady sent me a couple packets one of them was a statement which I will be talking about on my other complaints but for now this is about identity Saft so she sent me the other packet that was over 100 pages XXXX open up a credit card my name spent option {$10000.00} I want that back paid in full
Product: Debt collection

I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1.The name and address of the original creditor and the current creditor.

2.Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3.Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4.Proof that the original creditor securitized the debt.

5.Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit card

My wife and I are holders of a MerrillXXXX XXXX credit card administered by Bank of America . We are listed as XXXX XXXX because we spend more than $ XXXX per year using this card. This entitles us to XXXX XXXX up to {$200.00} per year for incidental travel expenses including airline baggage fees. ( See EXHIBIT A : MERRILL XXXX XXXX CREDIT CARD BENEFITS AND REWARDS GUIDE ) ( SEE EXHIBIT B and EXHIBIT C : Website references to the XXXX XXXX ) On XX/XX/XXXX using our credit card, we paid XXXX XXXX XXXX fees each in the amount of {$30.00} totalling {$120.00}. ( SEE EXHIBIT D : Our credit card statement showing the XXXX {$30.00} charges ) Previously during 2023 we had received a credit of {$120.00} for payment of other baggage fees. Therefore, based upon the {$200.00} annual credit limit, we are still entitled to a reimbursement of {$80.00} which we have not received to date. Despite repeated phone calls to various customer service departments within Merrill Lynch and Bank of America, we have still not received our {$80.00} reimbursement. We have been repeatedly directed to different departments each of which continued to direct us elsewhere. We even had one representative say the travel credit program has been discontinued in XXXX even though no notice was ever given and the benefit still appears on the cards website. We went through similar difficulties with the earlier {$120.00} credit mentioned above, necessitating a complaint with your bureau ( Case # XXXX ) which resulted in a payment of {$120.00} to us. We believe that this situation is either fraudulent or is a gross mismanagement of a benefit publicly offered to the Banks MerrillXXXX XXXX XXXX cardholders. We are requesting a correction of this situation and receipt of our {$80.00} credit.