23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I called Wisely at XXXX on Monday, XX/XX/XXXX, one day after the suspicious transactions started on my account. I reported I had the card in my possession and had several transactions declined the previous day while I was out shopping. I let the representative know which purchases I had made, or attempted- 2 were declined when I tried to make a purchase ( listed below ). 

I made these purchases : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX declined but mine In Addition to my charges, these charges were fraudulently made and paid out to merchants : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My card was deactivated and they sent me a new card. They said the investigation would be pending on the purchases that were made and were paid to merchants already. 

All of the charges below were automatically declined/flagged by the bank before I reported any fraudulent use and the funds were not disbursed to anyone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX About 6 weeks ( late XXXX ) later I received a letter stating the 3 largest charges were not being refunded but all others were refunded. I called them and stated I had not received any documentation about how they came to that decision. 
I received a one page sheet with no specific info other than the charge and the merchant in early XXXX I called again disputing again the XXXX largest charges, for {$910.00}, {$100.00}, {$100.00}. 
In XXXX, I later received a letter that the 2 charges for {$100.00} were now also refunded leaving just the charge for {$910.00}, not refunded despite all other charges on the same days being deemed fraudulent. This charge was deemed " not an error. '' I sent them a letter on XX/XX/XXXX noting all of this ad demanding that they call me, give me more info or refund the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

UponpullingmycreditreportsIfoundthatTransfinancialhadplacedtwoaccountsintheamountsof{$940.00}and{$330.00}onmycreditreports.IthendisputedthisinformationwiththecreditbureausasIbelievedtheinformationwasinaccurateandwasnotavalidaccount.Despiteseveralattemptstovalidatetheaccountthecompanydidnotvalidatetheaccount.Ithenhadtofileacomplaintforthemtosendvalidationoftheaccount.UponreceivingthevalidationoftheaccountsInoticedthatthecompanyhadviolatedmyHIPAArights.Ithenagaindisputedtheinformationwhichwentunanswered.IhavefiledapreviouscomplaintonXX/XX/2019towhichthecompanyrespondedonXX/XX/2019thatIwouldbereceivingaresponsein30days.Ihavenotreceivedanyresponsefrom.thecompanyasofyet.ThecompanyisreportinginformationwhichisviolatingmyHIPAArightsandhinderingmyprogressionforbettercredithealth.Iwouldliketheseaccountstoberemovedimmediatelyfromallthreemajorcreditbureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and saw some fraudulent things. I called the credit bureaus and filed a police report.I sent the report to the bureaus and received only few results. XXXX  sent a letter and said they couldn't verify me and pretty much rejected my police report. Also everytime I call them they disconnect my call. I understand that they are in the business of making money with selling consumers information and even making billions on the stock market with our information without our consent. This isn't cool these fraudulent activities are ruining my credit score and that is holding me from making progress with my life. Please help me with all of these issues. ( XXXX  ) XX/XX/XXXX XXXX XXXX  XXXX XXXX {$0.00} # XXXX this account is NOT mine. XX/XX/XXXX XXXX XXXX XXXX {$1400.00} # XXXX this account is NOT mine. XX/XX/XXXX XXXX {$790.00} # XXXX this account is NOT mine. Inquiries XXXX/XXXX/XXXX XXXX XXXX XXXX, NOT mine, XX/XX/XXXX XXXX XXXX XXXXA, NOT mine, XX/XX/XXXX XXXX XXXX XXXX, NOT mine. ( Transunion ) XX/XX/XXXX XXXX XXXX XXXX  {$790.00} # XXXX this account is NOT mine. XX/XX/XXXX XXXX {$0.00} # XXXX this account is NOT mine. ( XXXX  ) XXXX XXXX XXXX  XXXX XXXX XXXX {$0.00} # XXXX this account is NOT mine. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} # XXXX this account is NOT mine. Inquiries : XX/XX/XXXX, XXXX XXXX  NOT mine, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX NOT mine, XXXX XXXX XXXXXXXX XX/XX/XXXX NOT mine, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Not mine. These accounts are NOT mine and the credit reporting companies listed above is continuously allowing creditors to violate my rights. PLEASE HELP ME WITH THESE ISSUES.
Product: Credit reporting or other personal consumer reports

I was in the market for purchasing a car. 
3 inquiries were made on my credit report For the same reason on the same day.

Yet my credit score took a drop in score for each inquiry. If i am correct, when its in a certain time frame it only counts as on hit. Which raised my inquiry total as well which also drop my score.
Product: Debt collection

My former Landlord took pictures and emailed me the letter from First Source Advantage LLC. I. I longer live at XXXX XXXX XXXX I am recently married and moved to XXXX, Mi. I dont even remember XXXX XXXX I had someone else paying my bills I have a payee over XXXX check I am not able to work due to XXXXLike I said I do not live in XXXX  anymore and not at XXXXXXXX XXXX anymore mail is supposed to forwarded to XXXX.I have complained about First Source Advantage before and I former landlord has filed a complaint and told them to stop sending mail to her residence.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XXXX updated my bankruptcy - discharge of debtors from pending to approved. As you will see in 1 of 3 of the included attachments, my subsidized and unsubsidized Federal Student Loans ( FedLoan ) aka Department of Education is included in my XXXX XXXX  XXXX bankruptcy on the certificate page. XXXX XXXX transferred eligible loans to XXXX around the summer time in XXXX. XXXX, XXXX, and Equifax all have been habitual violators of closing, reopening, and changing the status of my student loans even though all agencies have proof of my XXXX  bankruptcy discharge documentation. XXXX, currently, is the only agency that has my student loan status as included in bankruptcy and closed as a status. These status changes has cause substantial and adverse financial hardships with the approval of credit applications as well as the ability to maintain a good consumer credit score rating.
Product: Credit card or prepaid card

CEASE AND DESIST AMERICAN EXPRESS Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums.

Pursuant to 15 USC 1692c. ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Do NOT close my account ( s ) without my authorized permission. 
Zero out the balance on this account.

Do not seize or attempt to seize anything in my possession.

I initiated this transaction with my credit card ( social security card number ), and this ensures that my account is paid in full in 15 USC 1602 ( l ). I did not fill out a loan application because banks can not lend money ( 12 USC 1431 ) -this looks a lot like fraud to me. I am the consumer, and should benefit from this transaction. 
American Express, you did not lend these funds to me to utilize the account ending in 92001. I participated in a consumer credit transaction using my social security number ( credit card ) and not a loan Pursuant to 15 USC 1602 ( i ). At this point I have determined that I am not going to allow my rights to be violated anymore by you. 
American Express is involved in fraud in many ways, and you knowingly violated me with the fact that any balance over {$1.00} should be credited to my account. I am requesting you to refund any part of the amount of the remaining credit balance, leave my account open to utilize each and every month. 
American Express, by federal law definition you are a debt collector which means any personor who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. 

Best regards, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

This company charges and exuberant billing cycle fee bi monthly ( dependent on payroll schedule ) and only 1 % of those fees go towards your principal making it nearly impossible to pay off the loan. On a {$5000.00} loan I pay XXXX bi monthly {$540.00} per month only {$45.00} is applied. Even after making an additional payment the balance only increases the following billing cycle. The company only urges you to make an extra payment towards the principal to bring down the balance. This is predatory lending. 

XX/XX/XXXX ACCOUNT SUMMARY Credit Limit : {$5000.00} Outstanding Principal Balance : {$4500.00} Available XXXX : {$410.00} AMOUNTS DUE Minimum Payment Due : {$270.00} Due Date : XX/XX/XXXX Your Minimum Payment includes your Billing Cycle fee STATEMENT SUMMARY Previous Balance : {$5300.00} Advances : {$0.00} Payments and Credits : {$770.00} Fees ( Billing Cycle Charges ) : {$220.00} XXXX  XXXX : {$4800.00} XX/XX/XXXX ACCOUNT SUMMARY Credit Limit : {$5000.00} Outstanding Principal Balance : {$4500.00} Available XXXX : {$410.00} AMOUNTS DUE XXXX Payment Due Date : XXXX XXXX XXXX to pay more than your co reduce the amount you will e Charges and increase your oue unmediately : {$0.00} STATEMENT SUMMARY Previous Balance : {$4800.00} Advances : {$0.00} Payments and Credits : {$0.00} Fees ( Billing Cycle Charges ) : {$210.00} New XXXX : {$5000.00} XXXX TOTALS YEAR-TO-DATE Billing Cycle Charges : {$210.00} XX/XX/XXXX ACCOUNT SUMMARY Credit Limit : {$5000.00} Outstanding Principal Balance : {$4500.00} Available XXXX : {$460.00} AMOUNTS DUE Minimum Payment Due : Due Date : {$260.00} XX/XX/XXXX to pay more than your reduce the amount you your Minimum Payment. 
Amount Past Due ( Due Immediately ) : {$0.00} STATEMENT SUMMARY Previous Balance : Advances : {$5000.00} {$0.00} {$270.00} {$210.00} New Balance : {$4900.00} XXXX TOTALS YEAR-TO-DATE Billing Cycle Charges : {$430.00}
Product: Debt collection

Company started calling twice a day, now they are calling four times a day each day. 
They are calling without identifying both the name of the creditor and the name of the person they are calling. 

If I answer the phone, they stay on the line without saying anything. 

A representative told me that they have an automated number just call repeatedly., I asked them to stop and they have not. 

I have no idea why they are calling.
Product: Debt collection

Credit Acceptance Corporation funded and servicing a joint account that was produced at XXXX XXXX XXXX in the amount of XXXX after we left the dealership on XX/XX/2016. Credit Acceptance Corporation was notified of the incident and failed to investigate. Credit Acceptance Corporation stated due to pending litigation they will not respond ; and continue taking unauthorized payments from a XXXX XXXX in XXXX Maryland
Product: Checking or savings account

I am experiencing retaliatory behavior from Navy Federal Credit Union due to the CFPB Complaints I submitted XXXX and XXXX. XXXX XXXX has now limited my access to the account portal on XXXX XXXX XXXX Please see attached. I can not longer access many features of the online account portal due to my complaints. This is retaliatory behavior from this institution. PLEASE SEE ATTACHED
Product: Debt collection

Throughout XXXX, XXXX to present, Jefferson Capital Systems is and has been attempting to collect a debt they have filed to verify multiple times and the collection account is massively detrimental to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, & XXXX failed to delete a fictitious debt. Experian has failed to provide me with an original documentation of this debt existing. My car has never been repossessed. I got it refinanced and XXXX XXXX XXXX XXXX updated my credit profile with repossessed. Under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) the credit bureaus must verify any debt and provide me a copy of the documentation with my original signature. Please be advised under section 611 ( 5 ) ( A ) of the FCRA THE CREDIT BUREAUS ARE REQUIRED TO DELETE ALL INFORMATION THAT CAN NOT BE VERFIED. This is fraud, defamation of character, and deceptive act or practice.
Product: Mortgage

Inexplicably, when I now try to sign-in to my online account, Mr. Cooper informs me that my password has expired. When I select " I forgot my password '' and enter my account identifiers for security, I receive a message that a one-time code was sent to my email address. A code was never received, upon several attempts ( I've also checked my Junk folder ). 

When I called the service center this morning at XXXXXXXX XXXX. EST ( the center is open at XXXX XXXX. CST ), I received a message that the call center was not yet open. I was unable to access the call center until XXXX EST, which does not comport with the stated service hours. 

Once I spoke with the service rep. ( my complaint has nothing to do with the service rep. whatsoever, as she was friendly and professional ), after 37 minutes of discussing the issue and being placed on hold while the rep. consulted with tech. services, I was told that the issue has existed since last week and there is no known timeline for resolving the issue. I am still unable to perform loan servicing needs via Mr. Cooper 's website.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXXXXXX Balance : {$350.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3400.00XXXX XXXX XXXX XXXX XXXX XXXXXXXX  : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have received 2 notices from Transworld Systems Inc. for debt collection in behalf of XXXX XXXX XXXX in the amount of {$270.00}. I have never done any business with XXXX XXXX XXXX, nor have I ever received a bill from them. I have written TSI that this debt is not mine, but they continue to send notices. I would like them to cease and desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report, I found that under section 605b ( a ) XXXX and Equifax shall block the reporting of 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX 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 Date opened : XX/XX/2016 Balance : {$0.00}, XXXX XXXX XXXX Date opened : XX/XX/16 Balance : {$12000.00}, XXXX XXXX XXXX Date opened : XX/XX/2016 Balance : {$1900.00}, XXXX XXXX XXXX Date opened : XX/XX/2016 Balance : {$0.00}, XXXX XXXX  XXXX Date opened : XX/XX/16 Balance : {$0.00}, and XXXX XXXX XXXX Date opened : XX/XX/2016 Balance : {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding concerning practices observed with my account at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). This complaint pertains to repeated misreporting and manipulation of my account status, potentially infringing upon my rights and the integrity of the statute of limitations. 

The issue at hand stems from the fact that despite the account being charged off since XX/XX/2020, it continues to be inaccurately updated as charged off on a monthly basis. This persistent misrepresentation of the account 's payment history is deeply concerning, as it creates a false impression of ongoing payment activity associated with a charged-off account. Such misreporting not only violates regulatory standards but also manipulates the statute of limitations, potentially extending the duration of legal obligations unfairly. 

I am troubled by the apparent oversight in conducting a thorough investigation into this matter, as the continued misrepresentation of the account 's status reflects a failure to ensure accurate reporting practices. This oversight has significant implications for my financial rights and obligations, and I urge your immediate attention to rectify this situation. 

In light of these concerns, I hereby request that the erroneous reporting of the subsequent account be promptly deleted. It is imperative that corrective action is taken to ensure the accuracy and integrity of my credit report and to prevent further misrepresentation of my financial history. 

I appreciate your prompt attention to this matter and request a thorough investigation into the practices observed with my account at XXXX XXXX XXXX XXXX. Please provide confirmation of receipt of this complaint and details regarding the steps being taken to address these issues. 

Thank you for your cooperation and swift resolution of this matter.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Fraudulent Collection Account XXXX  Account To Whom It May Concern, I am writing to formally dispute a collection account listed on my credit report that is not mine. The account in question is reported as a XXXX account, which I have never opened, authorized, or had any association with. 

Additionally, I want to highlight that my personal information was compromised during the XXXX data breach, which has put me at risk of identity theft. I believe this fraudulent account may be a result of that breach.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, you are required to ensure that all information reported on consumer credit files is accurate, complete, and verifiable. I am requesting that you investigate this account and provide documentation proving that this account is valid and authorized by me. 

Account Name : XXXX XXXX XXXX XXXX XXXX If you can not verify the accuracy and ownership of this account with proper documentation, I demand that this collection account be permanently deleted from my credit report. Reporting inaccurate or unverifiable information is a violation of the FCRA, and I expect full compliance with the law. 

Please complete your investigation and provide a written response within 30 days of receipt of this letter, as required under federal law. I also request a copy of any documentation or evidence used to verify the account, should you claim it is valid. 

Thank you for your prompt attention to this matter. I trust that you will investigate and resolve this issue quickly. 

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

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc file # XXXX XXXX XXXX XXXX XXXX XXXX all of them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act The Federal Trade Commission has stopped a student loan debt relief scheme, alleging it bilked more than {$23.00} XXXX from thousands of consumers with false claims that it would service and pay down their student loans.XXXX  XXXX, XXXX A XXXX woman won a {$450000.00} arbitration award from XXXX 's ... Companies who violate the 1991 Telephone Consumer Protection Act can be fined a ... The Federal Trade Commission received nearly 3.8 million robocall