23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I purchased a {$100.00} American Express Gift Card from XXXX on XX/XX/year>. On XX/XX/year> I was in the XXXX, New Jersey hospital for some XXXX  tests and while waiting, I went on the American Express Gift Card website to check my balance and saw I had {$67.00} available. When my tests at the hospital were complete, I went to XXXX XXXX and attempted to use my card. It was declined several times. When I went back to my car, I checked the site again and saw a charge was processed for the {$67.00} to a XXXX XXXX located in XXXX, Florida. I immediately called American Express and reported the fraudulent charge and was given a Reference : Case Number that I will gladly supply to you if necessary. On XX/XX/year>, I received the following correspondence from American ExpressXXXX Dispute Resolution ; We've completed our investigation of your American Express Gift Card dispute and want to share our findings. Your dispute is declined. We take concerns from cardholders very seriously. After a thorough review of your account, we regret to inform you that we are unable to approve your dispute. With the denial of this dispute, your case has been closed. This denial is unacceptable to me, and I will exhaust any and all means to be made whole. For too long companies like American Express has gotten away with this illegal behavior and I am not okay with this and I'm hopeful with your help, you will be able to help not only me, but other victims in my unfortunate situation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear CFPB, I am writing to bring to your attention a matter of utmost importance that has significantly impacted my life. I am seeking your assistance in enforcing my legal rights under the Fair Credit Reporting Act ( FCRA ) and ensuring that justice is served. 

Violation of FCRA : Unauthorized Credit Inquiry ( Section 604 ( a ) ( 3 ) ( A ), Section 604 ( a ) ( 2 ), Section 611, Section 623 ) On XX/XX/XXXX, my life took an unexpected and painful turn when I discovered an unauthorized credit inquiry made by XXXX on my credit report. This inquiry has had far-reaching consequences, not just financially but emotionally as well. I want to share with you the emotional toll this has taken on me. 

Imagine the shock of realizing that someone had accessed your financial history without your consent. The sense of violation and intrusion is hard to put into words. I have always been diligent about protecting my financial information, and to have it compromised in such a manner has shaken my trust in the system. 

This unauthorized inquiry has had a ripple effect on my life. It has resulted in an unjust decrease in my credit score, making it difficult for me to secure favorable terms on loans and credit lines. As a result, I've faced obstacles in securing affordable housing and even employment opportunities that require a credit check. It has created an overwhelming sense of frustration, XXXX, and helplessness. 

I have taken all the necessary steps to dispute this unauthorized inquiry, and I appreciate the initial response from the credit reporting agency. However, I now seek your intervention to ensure that my rights under the FCRA are fully enforced. I kindly request that you investigate this matter thoroughly and compel XXXX to rectify this violation. 

Furthermore, I urge the removal of unverified accounts from my credit report, as these inaccuracies are unfairly impacting my financial standing. This would not only bring a sense of justice but also help me rebuild my life and regain some semblance of normalcy. 

I implore you to consider the emotional turmoil and financial hardship I have endured due to this situation. My hope is that through your intervention, justice will be served, and I can move forward with confidence in the credit reporting system. 

I kindly request your prompt attention to this matter and will provide any necessary documentation to support my case. Please keep me informed of the progress of your investigation and any actions taken. 

Thank you for your assistance in ensuring that my rights as a consumer are upheld and that the credit reporting system is held accountable for its actions. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

At the beginning of this year, the bank change the nature of my checking account, in such a manner as to prevent me from keeping up with overdrafts. Previously I had until XXXX XXXX  or any given day I had overdraft to bring the account current for end of day. They changed it so that end of day didnt count and my XXXX XXXX XXXX XXXX XXXX limit is gone.. as a result, they have charged me more overdraft fees this year than in the entire history of my account totaling over {$6000.00} plus in overdraft fees
Product: Credit reporting or other personal consumer reports

It is disheartening that the Credit Bureaus, namely XXXX, Equifax, and XXXX, have failed to remove the persisting fraudulent items from my credit reports over the past three months. The absence of any deletions during this period is particularly concerning as I anticipate another update to my credit report within the next 15 days. Regrettably, there is a sense of apprehension that I might encounter yet another instance of failure to delete these items from my file. I would like to reiterate that, in accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are obligated to remove any items in the file of a consumer identified as information resulting from an alleged identity theft within four business days of receipt. Additionally, as per Section 605b, Credit Reporting Agencies are required to expeditiously remove any items listed on an identity theft report, specifically under reference # XXXX, pertaining to my case. The items outlined in my earlier complaint dated XX/XX/XXXX have been reiterated here per bureau, as this complaint serves as a follow-up : XXXX : XXXX XXXX XXXXXXXX XX/XX/XXXX ======EQUIFAX : XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Cybrcollect is showing up on my credit report stating I owe {$420.00} and {$120.00} for XXXX. I have never heard of this. I have also never received anything in the mail. I would assume the company would mail me something.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX, XXXX  and Equifax did not block the data on the credit file. 
XXXX, XXXX and Equifax has made no attempt to properly follow section 605B of the FCRA. 


XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX
Product: Mortgage

Mr. Cooper stated my property taxes went up. When they actually went down. Assessed and Taxed value on XX/XX/XXXX was {$260000.00}. Assessed and Taxed value on XX/XX/XXXX was {$240000.00}. And the phased in amount for XXXX is still lower than the {$260000.00} amount. 

They are staying there is a {$370.00} shortage per year ( 12 months ), which is {$31.00} per month. But they want to charge me an additional {$41.00} per month, which is {$490.00} per year ( 12 months ). My math tells me they are charging me 32 % interest on the {$31.00} to get to the {$41.00} amount per month. Makes ZERO sense as I have not had to pay any interest in the past to cover these yearly payments for my insurance plan and my property taxes. 

They continue to close out my message requests, causing me to have to create a new request. And their site does not allow you to copy and paste information from previous message threads I have created so I am forced to type everything in again. This has all been quite time consuming from my end.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I wanted to see my credit score report so I went to TransUnion because they offered to give it to me for free. I was not made aware that I was signing up for a $ XXXX/month subscription. On XX/XX/2020, I checked my credit card transactions and noticed one from TransUnion. I tried cancelling my subscription online, but never received a confirmation email from them that my subscription was actually canceled.
Product: Money transfer, virtual currency, or money service

I got a call today ( XX/XX/year> ) saying someone was trying to use my card to buy something in XXXX, Florida. They told me someone at my bank was selling my information and to withdraw all my money from my account ( Citizens bank ) and transfer it to a different bank ( XXXXXXXX XXXX  ). Instead of going inside and creating an account, he told me he had an access code for me and that I could use the ATM to deposit it. I ended up depositing {$9000.00} into said account and that I would receive a follow up email with the info to get into. That never happened and I got scammed. He told me the access code to do all of this but I didnt even think to write it down or get any of the information except his pin. Now all of my money is gone! He wont answer my calls now and it sounds like a little kid on the voicemail. I dont know what to do, I feel so beyond stupid.
Product: Credit reporting or other personal consumer reports

I am filing a complaint 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 any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that are inaccurate XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXXXX/XX/XXXXUniversity ), XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXX XXXX XXXX ( 3 accounts ),XX/XX/XXXX ( 2 accounts ), XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and US Bankruptcy
Product: Debt collection

I have a Sam 's Club credit account which is delinquent and was recently sold to a third party collection agency - XXXX XXXX. I received a letter in the mail regarding the outstanding balance but I have received no less than 5 calls per day since the beginning of XXXX 2017. Not only do they call from their toll free number, I have received calls from a XXXX number in XXXX, VA as well as from a Restricted line. They do not leave messages from any of these numbers. On XXXX XXXX, 2017, I accepted a call from the restricted line to inquire who was actually calling. XXXX XXXX informed me they were trying to contact me before they had a local attorney take over the account.Upon speaking with XXXX XXXX and her supervisor, XXXX, I informed them both of my reason for the delinquency as well as expressed an intent to work out a payment arrangement. I also informed them both that I was at work and would not be able to accept calls during business hours and would have to call them from home during non business hours. On the morning of XXXX XXXX, 2017 at XXXX, I received another call from the Restricted number but again they did not leave a message. I am interested in discussing a payment arrangement but I am not interested in receiving multiple calls from multiple numbers nor am I interested in feeling as if I 'm being harassed with threats of legal action or sarcastic comments regarding my intent to pay.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section XXXX ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am submitting this CFPB complaint to you today to inform the Credit reporting Agencies that I was a victim of identity theft. I researched on how to remove the fraudulent accounts and information from my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information 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. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Owed XXXX {$2000.00} XXXX FS XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act, Equifax has violated my rights. 

15 USC 1692 ( B ) ( 5 ) 15 USC 1681 ( A ) ( 4 ) FCRA 623 ( A ) ( 6 ) ( B ) 15 USC 1681 ( A ) ( 2 ) FCRA 623 ( A ) ( 2 ) ftc report number XXXX XXXX XXXX. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency 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 by such agency of ( 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. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

DEPT OF ED/XXXX
Product: Vehicle loan or lease

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for XXXX purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2016 my account shows that it was 60 days past due. This is very inaccurate and I have contacted XXXX XXXX about this late payment and I was told to call the credit bear. I filed a dispute with Equifax and the inaccurate report is still being reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Checking or savings account

XX/XX/2019 Capital One has been complained about concerning my account. My account is supposed to be blocked from re-occurring charges and I don't have overdraft protection. As of last night my balance was correct, and today they have something on my receipt for pending authorization on a cash deposit, and they have tied up my money for unauthorized re-occurring charges.

The charges are from XXXX XXXX XXXX. I made a one-time payment of XXXX to order Credit Reports. I went in to the their system and changed the payment method to be withdrawn on the XX/XX/XXXX. XXXX  has XXXX charges pending from my checking account. AS for Capital One, I am going to find another bank, because I am tired of them tying up my funds for unauthorized and recurring charges. And I am going to use another credit repair company.XXXX Case ID # is XXXX.
Product: Debt collection

On XX/XX/2022 I sent Midland Credit XXXX a letter advising them that I had recently viewed my consumer report and noticed that they were reporting false, inaccurate, and invalidated accounts to my consumer report. In my letter, I requested proper validation made pursuant to 15 USC 1692 ( g ) sec 809 ( b ) of the FDCPA. I respectfully requested that Midland Credit provide me with competent evidence and any of Midlands contracts agreements that states that I have any legal obligations to pay them for the alleged debt, as I know that this company purchase debt and attempt to collect it illegitimately. I have not now, nor have I ever done business with Midland Credit. These false, inaccurate, and invalidated accounts have been reporting to my consumer report for some time, and is still being reported. It seems that Midland Credit is refusing to properly validate the debt and/or to remove it willfully, which is noncompliance with the FCRA laws. In Midlands Credit efforts to collect on the alleged debt, there was a violation of 15 USC 1692 808 prohibiting a debt collector from using unfair and unconscionable means to collect a debt. Midland Credit violated the statute 1692 ( f ) 8 by using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mail or by telegram. Midland Credit sent XXXX different letters addressed to me in this manner. Unfortunately for me all XXXX letters ended up in my neighbors mailbox. All XXXX letters had the MCM symbol/logo on the front of the envelope. Its embarrassing to have your neighbors bring you your mail and states your bills was put in my mailbox. Thats defamation of character and so much more. I have attached proof of the violation. I also sent Midland Credit proof of the violation, but they have yet to do whats right. As a result of the violation of this statute, Midland Credit is liable to me actual or statutory damages and up to {$1000.00} in punitive damages per violation, which totals {$4000.00} in damages being that there was XXXX violation. I demand Midland Credit pay me what is owed to me according to the law. Im making every effort to resolve this issue out of court. Im willing to settle this matter with admitted liability and compensation of {$1000.00} for each of the violations. I expect compensation within XXXX XXXX of receiving this notice and Midland Credit will not have to pay attorney fees, or we can contact my consumer lawyer about this situation and under the FCRA Midland Credit will pay them as we are giving this company XXXX last opportunity to correct this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

These hard inquiries are not mines. 

Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX I Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX I Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX I Inquiry from XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Bank