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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX. 


Account name XXXX  Account number XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX  Account number XXXXXXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX  Account number XXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Ocwen made me sign a modification loan that expired in XXXX of 2017. The deal was to pay them {$100000.00}. Of course, I do not have {$100000.00}. Ocwen has been trying to take my house for 10 years. I am exhausted from their harassment. When I first got the loan, 20 some years ago, they kept my first 6 payments. They then kept me in arrears. I did make those payments. My accountant wrote several letters stating that I did make those payments. We have proof that the payments were made. They also put me in foreclosure several years ago when they were n't supposed to. Now they have me in pre- foreclosure going into full foreclosure, because they refuse to give me a modification loan. I lived in my house for 33 years. This should n't be. I am XXXX and do not want to leave my home. I hope you can help me stay in my home. They refused to take my Mortgage payments since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I

don't have any idea about this account. This is purely identity theft. This account damaging my good credit reputation! DELETE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

XXXX XXXX XXXX I will never stop filing complaints against you because I know my rights!

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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: Debt collection

Commonwealth financial has changed a collection account number so they can reinsert this to the credit bureaus. XXXX account number was XXXX now it is XXXX, this to me is in violation of the law. They can not prove I owe this debt, please look at complaint case number XXXX, there is no debt validation, and they know this that is why they changed the account number. I will be filing a complaint with the Illinois attorney generals office and seeking legal help to file a class action law suit. I will start a social media page to see if any other cousumers are being treated in this matter. To this day I have not received debt validation.
Product: Credit card or prepaid card

I wanted to use my cell damage protection thing that was included if I paid my phone bill with this credit card. And they couldnt help me and only redirected me to the website claims website. And then their website declined/discriminated me.WHICH. IS. ILLEGAL!
Product: Credit reporting, credit repair services, or other personal consumer reports

I initiated a credit investigation with XXXX  and Trans Union back in XX/XX/XXXX. We're now into XX/XX/XXXX, and I have yet to receive the results. I was supposed to have them inside of 30 days.
Product: Debt collection

Approximately a month ago I received a call from XXXX XXXX XXXX XXXX. I advised that I had moved an not received a validation notice. In the same call I advised that I could receive calls at work - several times I told them this. 

Today I received a call from a XXXX XXXX at XXXX XXXX. I again told him that I can not receive calls at work. He would not let me get off the phone after telling him that I had already advised them of this and that this was an FDCPA violation. He continued to become harassing. 

He also did not verify who I was. He only asked for my name and calling my work. 

He would not listen after telling him over and over I can not talk at work. He continued to attempt to collect after repeatedly telling him that he can not call me at work as it is an inconvenient place.
Product: Checking or savings account

I have had my account charge {$35.00} over draft fee numerous times when I know I had enough money in my account. Latest over draft charges were on XX/XX/19 for 2 charges made on XX/XX/19 for {$7.00} and {$10.00} posted on XX/XX/19 leaving my account balance at {$10.00}. I then put {$20.00} of gas in my car leaving my account at - {$9.00}. As of XX/XX/19 I have a - {$79.00} balance. I had enough money in my account to cover the transactions on XX/XX/19. I did not have enough to cover the {$9.00} I went over at the gas station.
Product: Credit card

On XX/XX/year> I initiated an online payment from my bank for the balance of my Synchrony Verizon Visa in the amount of {$5200.00}. Several hours later I checked my Synchrony app to verify that the payment was processed, but no payment was pending. 
I set up the payment again. I checked the app afterwards and only one payment was scheduled. 

On XX/XX/year> I saw the payment for {$5200.00} had been processed by my bank and a second payment in the amount of {$5200.00} was pending. This left my bank account was overdrawn by {$3300.00}. 

I called Synchrony to cancel the payment and was told a system glitch was responsible for the 1st payment not being visible after I initiated it. I was advised the credit could take up to 8 days to be received by my bank. I called my bank and notified them the payment would be cancelled by Synchrony. 

On XX/XX/year> my bank called about the overdraft of - {$3300.00} and offered to reject the second synchrony draft of {$5200.00}. I accepted. 

Today, XX/XX/year>, Synchrony processed a 3rd debit for {$5200.00}. My bank account was overdrawn by {$3100.00}. My Synchrony Verizon Visa card had a - {$4400.00} credit. 

Call # 1 : SYF customer service initiated a second payment cancellation. This would take up to 8 days. I advised the customer service representative I would have the charge returned by my bank on the next business day. 

I attempted to use my credit card to pay for a service and it was declined. 

Call # 2 : The customer service agent notified me that my card had been deactivated and I was to use the new card sent to me in XX/XX/year>. I never received that card. It would take 7-10 business days to receive a replacement card. 

I then attempted to login to my Synchrony Verizon Visa account and discover that I am locked out of online account services. 

Call # 3 : The representative put me on hold for several minutes to check on my account. Then she came back and said she must transfer me to a manager. She transferred me to an entirely different Synchrony division and my call was disconnected by the automated system after 12 minutes. 

Synchrony has {$4400.00} of my funds. I am left with no online account access, an overdrawn checking account, and a deactivated credit card that will not be available for 7-8 business days. 

This is not acceptable business practice.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at DEPTEDXXXX on XX/XX/XXXX under the account number XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Began mailing in certified USPS letters to XXXX, XXXX and Equifax requesting the 30 day investigation on the following dates : XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> I have sent six dispute requests in to each of these companies with no follow-up. In fact, they aren't providing me with a human experience or investigation, they keep sending me a postcard even though I sent them my ID and a utility bill which is what is asked in order to open up a dispute. When I call in, I can never get a human on the phone to discuss my disputes. I am filing a grievance over the fact that these companies are mishandling my consumer report and violating my rights to the Fair Credit Act.
Product: Money transfer, virtual currency, or money service

On    XXXX   XXXX   ,  2017  I received an email titled " NOTICE OF ACCOUNT CLOSURE AND PENDING DISABLEMENT '' while in  XXXX  on vacation. Coinbase thought I was a resident of  XXXX  and that " If you are not a resident of a sanctioned country or otherwise have received this notification in error, please contact us at  XXXX  XXXX  XXXX  immediately and provide us with a copy of a photo ID and proof of your current address. " I immediately sent them the documentation requested and after 3 days on    XXXX   XXXX  ,   2017  I received a response from their customer service that the issue was being investigated by a  specialist  and I would be contacted when there was an update. After not hearing anything for a few days I responded on  XXXX   XXXX ,    2017  just asking for a status update. I have yet to hear back from them. I have also tweeted at their customer support  (  @ CoinbaseSupport ) MANY times to no avail. My support ticket number from the original email is  XXXX  So at the moment I have no access to any of my funds ( both USD and ETH ) that are in my Coinbase account.
Product: Credit card or prepaid card

XXXX 2016 AMERICAN EXPRESS SENT ME A BILL FOR XXXX! I IMMEDIATELY CALLED AND WENT ON LINE TO POINT OUT THEIR MISTAKE ... THEY HAD A YEARS WORTH OF TRANSACTIONS IN ONE SINGLE MONTH ... XXXX 2016 TO XXXX 2016 ... THEY LUMP SUM XXXX/2016 TO XXXX/XXXX/2016 THEIR CRAZY BILLING MISTAKE! I ESCALATED TO SUPERVISORS, DEMANDED MY MONEY BACK ... THEY OVERDREW MY BANK ACCOUNT ... .AMERICAN EXPRESS GETS PAID EVERY MONTH..XXXX 2016, XXXX,2016, XXXX 2016 AND SO ON EVERY MONTH WAS PAID IN FULL ...
AMERICAN EXPRESS OWES ME XXXX XXXX ...
Product: Debt collection

I contacted Kohls requesting validation for an account that is being reported negatively on my credit report. I received a letter from Credit Control in which is the collection agency that purchased the account from Kohls. However, the account is still being reported by Kohls. I have yet to receive validation bearing my signature from either company. They have also failed to respond to any correspondence. I am demanding for this account to be removed from my credit file.
Product: Credit card or prepaid card

Received US Bank reliacard in my name without requesting. Long wait time to deactivate card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report via XXXX, and it looks like XXXX recently checked a copy of my personal credit report. I am not doing any personal business with the company and the inquiry should be removed from my credit report immediately. I also do not personally have any type of account with XXXX. 

The inquiry is dated XX/XX/2022. 

Please remove immediately. 

I chatted with both companies. XXXX redirected me to Experian and Experian redirected me to XXXX.
Product: Credit card or prepaid card

XXXX, XXXX XXXX from XXXX XXXX, XXXX, used my credit card information on XXXX for amounts of : {$42.00}, {$63.00}, {$300.00}, {$42.00}, {$63.00}
Product: Credit reporting or other personal consumer reports

Recently cheking my credit report I noticed that I Have been a victim of identity theft and found numerous credit accounts.please remove these fraudulent accauntas from my credit report.Thank You XXXX XXXX XXXXXXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX
Product: Credit card or prepaid card

I learned today that I was unexpectedly charged an annual fee for this credit card. I found this out when I received an alert that a capital one credit card I have which was dormant meaning it hadn't been used for six months was just made active. The credit alert said that this could be because my card was just used fraudulently. I therefore called capital one and found out that in fact I was just charged an annual fee which was effective as of today. So I told capital one that I didn't want to pay this fee and that I have other credit cards with much better terms and that I really didn't need the card and could they please waive the fee. I would just cancel the card but I've had it for 10 years and would therefore rather keep it. They said they would change this account to a new format which does not have any fee but that I was still responsible for this year 's fee ( which is charged in advance and was just assessed ) even though my card will be changed over to the new format basically immediately. So I said that it doesn't make sense for me to pay this fee in full and that I need a pro-rated refund. It's like insurance -- if you change your the terms of your policy, they are forced to prorate a refund for whatever portion of the policy has not occurred yet. 
Since this fee is assessed at the beginning of the year they can't charge me for terms for the rest of the year when I only had this card for one day under the old terms. I explained this to them but they don't care. They said I still have to pay the fee no matter what.
Product: Debt collection

Resident Collection has posted a collection on my credit report in the amount of {$5000.00}. from XXXX. This dispute went before a judge in XXXX and was given a hearing date in mid XXXX. Resident Collection posted this debt in XXXX, prior to the hearing. At the hearing, the judge said I did NOT OWE for back rent. I have tried to contact these people but they keep putting me on hold, then disconnect me.
Product: Credit reporting or other personal consumer reports

Experian has 3 medical bills hurting my fico score and I disputed these on my credit report because a rule was passed that medical bills can not hurt or negatively affect credit report
Product: Credit reporting or other personal consumer reports

I am writing to dispute the collection account listed on my consumer report, which is associated with XXXX XXXX XXXX. The information regarding this account is inaccurate and I have no recollection of ever doing business with this collection agency or signing any agreement with them. 
According to the Fair Credit Reporting Act ( FCRA ), it is unlawful to report inaccurate information on a consumer 's credit report. As such, I request an immediate investigation into this matter and the deletion of the account from my consumer report. 
Here are the details of the account in question : -Collection Agency : XXXX  XXXX XXXX XXXX Balance : {$250.00} - 0 % paid off - Date Opened : XX/XX/year> - Account Number : XXXX I have no record of any business dealings with the mentioned collection agency. As such, this account is in violation of the FCRA and should be removed from my consumer report without delay. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter and take the necessary actions to ensure the accuracy of my consumer report.
Product: Credit card or prepaid card

Afterpay, a company that provides people the opportunity to make several payments for a purchase, has made several unauthorized charges on my credit card. Afterpay has no number to call for customer service. It does show online that complaints can be submitted online I have submitted my complaint several times, but have never received a response. I would like to know the identity of the person or persons who used my card without my authorization. I would like to know the identity of the goods I have been charged for, and the address to which the goods were shipped.
Product: Debt collection

My name is XXXX XXXX this happened on the XXXX of XX/XX/2023 we reported this incident to my insurance I asked for video or proof but never got it. 
It was one of my very first experiences 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. We all got out XXXX XXXX XXXX XXXX XXXX XXXX the XXXX said she was ok and her passenger as well. My passenger was OK and so was I. No police report was made because I didn't know I could do that they went on there way and I went on my way. Now fast forward 6 months and she's trying to file a claim towards me for {$7000.00}. Which I think is absurd. This XXXX  has been XXXX in the past and I believe she's trying to report the claim for something that happened within the XXXX XXXX. The debt collectors called me while I was working.
Product: Debt collection

This company uses threatening, unprofessional, and abusive calling tactics. I've sent them a letter to cease this communication and they continue. I also sent them written notification that the debt is disputed and I have never received validation of the debt from them. They are engaged in illegal activity and should be made to answer for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX
Product: Debt collection

JP RMP sent me a letter stating I owe a company called XXXX XXXX XXXX {$2200.00}. I have never heard of this company and would like to immediately dispute their fraudulent claim.
Product: Money transfer, virtual currency, or money service

PayPal account and XXXX XXXX XXXX account fraud
Product: Payday loan, title loan, personal loan, or advance loan

I originally contracted with XXXX for XXXX XXXX work. XXXX contracted with Ally to bill me in monthly installments but I expected a credit card. I contacted Ally about their billing but they referred me to XXXX. XXXX explained that it was in fact a loan and I would need to make monthly payments. They further instructed me to make an appointment for treatment. In XXXX, XXXX  I had my first and only treatment which resulted in a severe adverse reaction. I then sought to terminate the loan because I had no intention of continuing treatment. I contacted Ally but they referred me back to XXXX, then XXXX referred me back to Ally. As a result I contacted the CFPB. Despite my dispute of the charges, Ally rewarded {$1700.00} to XXXX and sent me {$450.00}.