23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX 

After reviews on consumer report we decided to try the XXXX XXXX. We investigated the website, the company boasted its 101-night risk free trial, and available financing options. It sounded like a great deal with the addition of two free pillows. So we ordered the mattress through the financing option on XX/XX/XXXX and received mattress, pillows and a tea shirt on XXXX, XXXX. 
After a few weeks it was apparent we were not sleeping very comfortable and called the company. We were informed we had to give the mattress, minimally 30 days. By the 30th day it was obvious this was not the mattress for us. I am XXXX, XXXX lbs. and have been diagnosed with XXXX XXXX XXXX XXXX XXXX XXXX. The mattress was too soft to support my back. 
We initiated the return process and contacted XXXX, we were instructed that the bed needed to be donated with proof by supporting documentation and to return the free pillows. The mattress was donated to a Church run food pantry / Thrift shop and the pillows and t-shirt were shipped back to XXXX, arriving on XX/XX/XXXX. The donation receipt was emailed to XXXX on XX/XX/XXXX. 
Since we had opted for the financing, we contacted Klarna with the information regarding the decision and were informed the information needed to come from XXXX. On XX/XX/XXXX we paid our first payment to Klarna. We contacted XXXX on the XXXX of XXXX inquiring on the state of the return and refund and they informed us a refund would be issued on the XXXX of XXXX. I asked for an email following up on the conversation but never received any communication. We also contacted Klarna with this information, who again said they would need that information from XXXX. 
On XX/XX/XXXX, we received a monthly statement from Klarna citing they did not receive the payment by the due date of XX/XX/XXXX, and please pay by XX/XX/XXXX to avoid any additional late fees. 
Would someone please explain how we are receiving an email issuing a refund from XXXX and receiving a statement with penalties assessed from Klarna. This has been a horrible experience. 
Klarna Account Number XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX
Product: Debt collection

Subject : Formal Complaint Against Debt Collection Practices by United Collection Bureau XXXX. 

To Whom It May Concern, I am filing a formal complaint regarding improper and unlawful debt collection practices by XXXX, an employee of United Collection Bureau XXXX Below, we detail the specific concerns and violations I believe have occurred, along with my demands for resolution : Unlawful Communication Practices Employee Mark from the United Collection Bureau Inc. contacted me regarding an alleged debt without providing sufficient verification or documentation as required by law. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am entitled to receive a validation notice within five days of the initial communication, detailing : The amount of the debt The name of the creditor A statement informing me of my rights to dispute the validity of the debt within 30 days. 

Failure to Forensically Audit the Debt I demand a forensic audit of the alleged debt, including : Any Uniform Commercial Code ( UCC ) filings associated with the debt Evidence of insurance claims or payments related to the debt Securities-related transactions involving the debt and instruments Any non-cash income or unjust enrichment derived from the debt Notice of Revocation of Authority and Establishment of Trust From this point forward, any information we provide, actions taken, or statements you make shall be held in trust pursuant to the attached Security Agreement and UCC filing . Given that this debt collection involves my Social Security number, you are hereby deemed as debtors under the terms of this trust. 
All prior trustee arrangements and powers of attorney concerning this matter are revoked. 
Any further action without my explicit consent constitutes fraud and a violation of the trust established by this agreement. 
Legal Violations and Prohibited Actions Your actions violate the following federal regulations : 15 U.S.C. 1692e : Prohibiting false or misleading representations 15 U.S.C. 1692f : Prohibiting unfair practices 15 U.S.C. 1692c : Governing proper communication practices 12 C.F.R. 1006.34 : Requiring clear debt validation Right to Act as Creditor As outlined in U.S. law, I reserve the right to act as a creditor in this matter. If you fail to comply with the law or respond appropriately, fees, penalties, and administrative charges will be imposed for unauthorized attempts to collect this debt. 
Communication Restriction All future communications must be in writing and sent via mail to XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX, MI XXXX or email to XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello CFBP I have seen multiple inquiries on my credit profile that I dont recognize.

Under the federal law, I am protected against any type of identity theft and bad use of my credit profile.

I did not give my permission for those lenders to run my credit.

Those inquiries are affecting my credit score and are not letting me get the best options for credit cards and loans. 

I will describe the inquiries as follows : XXXX CREDIT REPORT SHOWS : XXXX. XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX  XXXX CREDIT REPORT XXXX. XXXX XX/XX/XXXX As I mentioned before my permission was not given to those lenders to run my credit I wish the CFBP protects me and help me to delete those hard inquiries from my credit profile. 

Thank you
Product: Credit reporting or other personal consumer reports

I am formally disputing and requesting the correction of inaccurate data on my credit report regarding late payments. It is crucial that these accounts are corrected to accurately reflect the payments and that any erroneous information is rectified promptly. 

Regarding the following accounts : XXXX XXXX XXXX XXXX XXXX XXXXnXXXX XXXX XXXX XXXX XXXX XXXX 
In cases where delinquency is reported, I insist that the payment date be appropriately reflected to cover the delinquent period. Any reported late payment was rectified by making a payment within a reasonable timeframe. Therefore, I expect the credit report to accurately represent the payments made, without any indication of missed or late payments. 

I have diligently met my financial obligations, and it is essential that my credit report reflects this accurately. The inaccurate reporting of late payments is not only misleading but also damaging to my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance witht he 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 : XXXX XXXX XXXX  XXXX XXXX, # XXXX, XXXX XXXX XXXX, XXXX MI, 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 ) section states : 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX ALLY FINANCIAL XXXX XXXX XXXX XXXX, MN XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

By obtaining my XXXX consumer report on XX/XX/XXXX and XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX  XXXX ) I have not initiated any transaction with ALLY FINANCIAL. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with ALLY FINANCIAL for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 

Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Best regards, BY : XXXX, XXXX XXXX FOR : XXXX XXXX XXXX XXXX XXXX cc : CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS MY LAST AND FINAL NOTICE I AM WRITING BEFORE REACHING OUT TO MY ATTORNEY GENERAL. YOU HAVE BEEN REPORTING FALSE INFORMATION ON MY BEHALF. I HAVE BEEN DISPUTING XXXX  XXXX XXXX XXXX, YOU RESPONSE ON XX/XX/2022 ALWAYS BEEN ITS NOT LISTED COMPLAINT NR XXXX. I PULLED MY CREDIT TODAY AND IS STILL REPORTING AND IT WAS UPDATED YESTERDAY XX/XX/2022. CAN YOU EXPLAIN TO ME HOW ARE YOU INVESTIGATING? DO NOT CONFUSE MY NAME WITH ANOTHER NAME. YOUR RECKLESS, WILFULL, WANTON NEGLIGENT INVESTIGATION IS DAMAGING MY CREDIT. DEFARMATION OF CHARACTER DELETE IT NOW.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/, I fell victim to a multi-layered scam operation run by fraudulent entities presenting themselves as a legitimate firm, called XXXX XXXX XXXX which involved me making deposits for a total amount of {$110000.00} USD from my USAA bank account to fraudulent investment firm ( XXXX ).
Product: Debt collection

I received a letter in the mail stating I owed {$5100.00} for a loss that occurred on XXXX/XXXX/15. The letter is from Afni Subrogation Department and states it is on behalf of XXXX. It states the insured 's name ( which is not mine ). Enclosed is a payment coupon as well as a form to fill out my insurance information. They also list all of the consequences of not responding to this collection. I do not know who this insured person is, nor was there any incidence that involved me on the above date, or any date for that matter. I have never been involved in any matter with XXXX. This is not my debt.
Product: Debt collection

I was living in XXXX XXXX XXXX and they keep changing management and they was stealing rent payments and they kept switching up so when they finally settle with one management group and they found alot of people payments that they misplaced and this XXXX was not supposed to be my balanced because i paid on time and we never went to court because they was wrong and i would like this deleted from my account immediately
Product: Credit card

From XX/XX/XXXX to XX/XX/XXXX {$6100.00} in fraudulent transactions were charged to my Citibank credit card. The transactions happened online and physically in multiple states including Texas, California, Utah, Arkansas, Maine and Washington. In XXXX XXXX  XXXX I had a XXXX balance, had not used the card since before then, and so was not receiving statements. I never received notification from Citibank related to any suspicious activity ( nothing by U.S. mail, not a phone call, not a text ). In XXXXXXXX XXXX XXXXXXXX, Citibank sent me an offer in the mail to increase my available credit. I responded via phone call, and that's when I was notified of the past due outstanding balance. Citibank claims that they sent me a new card in XXXX XXXX  XXXX, and that I am responsible for the charges made in Texas. I have repeatedly explained that all of the charges are fraudulent, and that I never received the card. I filed reports with the local police, and The Federal Trade Commission. I have put a quick lock on my Citibank accounts, and a freeze on my credit with the XXXX major credit bureaus. {$4100.00} has been credited back to my account. {$2200.00}, which included {$190.00} in interest and late fees, has not been credited. I sent a letter requesting their investigation be reopened. Citibank 's security operations manager told me to stop calling or I would receive a letter in the mail telling me to stop calling.
Product: Debt collection

Collection company called EOS CCA called my phone number and required me to call them back. I was not the person they wanted to talk to. Under the law, if I called them back and the debt was mine, it would constitute my initiating contact and the statute of limitations would begin all over again. Their number is XXXX. This practice should be outlawed.
Product: Debt collection

XXXX XXXX XXXX has reported monies owed to them. We moved early in the month due to an apartment available through Housing Authority of XXXX XXXX XXXX who in fact sent an agent to inspect prior to our acceptance and he said and I quote i dont need to see anymore im familiar with these apartments XXXX and had to accept or lose our place on wait list. XXXX Properties kept our {$500.00} deposit and made no attempt to contact me. I just seen this on my credit report through Credit Karma. Not only does that cover the month but that company made no attempt to repair anything that was needed since we moved in a little over a year. This included faulty oulets which sparked every time they were used in fact two outlets had the top plug working properly in the entire two bedroom apartment, a broken window due to a gun shot that happened prior to moving in ; never fixed, mold and deteriorating wall due to water leak through patio door, cockroach infestation, etc. I feel in no way did we leave them " HANGING '' so to speak. The {$500.00} deposit they kept should have sufficed that slumlord and we left it clean!
Product: Debt collection

Someone got hold of my credit card with XXXX XXXX XXXX, and used it and which I contacted the company right away and told them and now the company still wants me to pay
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureau is reporting inaccurate information on XXXX  XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the Equifax security breach. Equifax did n't take the proper steps to insure their " customers '' information was secured. After the cyberattack, Equifax tried to dupe effected customers into signing up for " XXXX '' which waives any rights to sue Equifax or be a part of a class action lawsuit.
Product: Credit reporting or other personal consumer reports

In accordance with the credit reporting act this creditor ( capital one ) has violate my right under 15 U.S.C. 1681 I have the right of privacy The Fair Credit Reporting Act ( FCRA ), found in 15 U.S.C. 1681 et seq., protects the privacy of consumer information, and ensures the accuracy and fairness of consumer credit reports. The FCRA applies to consumer reporting agencies ( CRAs ), which collect and sell financial and credit information about individuals In accordance with Section 2 of 1681a, consumer reporting agencies are prohibited from providing account information without my explicit written instructions. And under 15 U.S. Code 1666b - Timing of payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose,
Product: Debt collection

on XX/XX/20 I mailed off a validation of debt letter to Portfolio Recovery Associates. They have fail to send ANY proof of validation. They are currently reporting false information to multiple credit buraus. I also have phone records of them harassing me. One of the debt collectors from their company even hung up on me when I told her the alleged debt was not mine. They have violated several right given to me by the FDPCA and FCRA. 15 USC 1692 ( f ) ( 1 ) The collection of any amount ( including any interest, fee, charge or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted law. 15 USC 1692g validation of debts. They hav failed to send me proof validating my debt in a 30 day period after notice. 15 USC 1692d Harassment and abuse ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. Protection Recovery not only harassed me several times a day with phone calls but the abuse continue with aggressive tone of voices and hanging up on me.15 USC 1692 ( d ) ( 5 ) causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse or harass any person at the called number. 15 USC 1692 ( e ) false and, misleading representation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My address on Experian XXXX and XXXX are wrong the also my employment info I never payed attention until now but my address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX MO XXXX my employment is XXXX XXXX XXXX XXXX XXXX mo XXXX
Product: Money transfer, virtual currency, or money service

I am outside USA it took me about 3 hours to talk to my Bank of America in XXXX, NY. I told the lady that contact me about my email because phone contact is very difficult. 
but I have not received email yet
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an {$0.00} balance XXXXXXXX XXXX reporting on my credit report as negative, including an {$0.00} balance for XXXX XXXX XXXX XXXX XXXX and a XXXX XXXX XXXX thats been paid off with an {$0.00} balance for over an year now but its still showing up in collections. I also have an auto loan from XXXX XXXX thats been paid off since XX/XX/2022 and its still reporting as if its still a current lease.. I also have a few inquiries that showing up multiple times with different dates on them as well
Product: Mortgage

My husband and I have a home equity loan with BMO Harris. When we filed bankruptcy over XXXX years ago, they disabled our online account so that we could not view our account activity. The bankruptcy has been discharge and our loan has been modified, but I am told that I can not use online banking to so much as view my statements. They are not mailing me statements. I do not have access to normal customer service, I am told I have to talk to the loan mitigation department, which does not always answer their phone during business hours ( I often get voicemail ). As a customer, I want to be able to talk to someone during business hours, receive statements, and be allowed to view my account activity online. I have no idea if any of the payments I have made over the past year or so have even been credited to my account.
Product: Checking or savings account

Marcus by Goldman Sachs offered a {$100.00} bonus after opening an account and depositing {$10000.00} and maintaining that minimum balance for 60 consecutive days. The promotional bonus would be given within 14 days of fulfilling the bonus requirements. I opened the account on XX/XX/2020 and completed the minimum balance funding on XX/XX/2020. 60 days should be approximately XX/XX/2020. I contacted Marcus by Goldman Sachs today, XX/XX/2020, because I had not received the promotion and was told that I was ineligible for the promotion as they did not have a note of it on my account. Even though I signed up for the offer and completed the terms, Marcus by Goldman Sachs is refusing to honor a promotion that they had advertised.
Product: Credit card

My card was charge unauthorize. but credit card company is not willing to correct this charge.
Product: Student loan

I had FFEL loans at Navient that I made about $ XXXX in payments towards. I was approved for BDTR under SVC. I did not qualify for a refund of those payments because they were FFEL " commercial '' loans.

I was never warned that I would lose all rights to a refund in any circumstance, including BDTR. Lenders lobbied to make all of the same terms and conditions as Federal loans so that the government could not offer better rates and take profit away from them. 

No borrower received any better rate or service by staying with Navient, the interest rates are the same. There was no benefit for borrowers, in fact many of the benefits that Federal loans have, were taken away. And Navient has a long history of manipulating and neglecting borrowers.

With those things in mind, why are they still getting away with no refunds? 
They are Federally insured and backed, would they not get paid back anyway? 
Why were nearly all of the benefits of federal loans taken away, while offering nothing in return to compensate, like better rates etc.? 
Why would the Holder 's rule not apply here? 
XXXX XXXX and Navient never explained that a commecial FFELP was actually the worst option for borrowers. In fact I was given little information at all about it. 

It is beyond criminal that Navient has been getting away with so much for so long and profiting from it. Why does the DOE and CFPB not do anything about it? 

Navient needs to honor all approved Borrowers Defense approved loans by discharging AND REFUNDING all payments to everyone that has been duped and manipulated into these financially crushing loans.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal Law and provides consumers with necessary proof of investigation. 

Account innacuracies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX