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

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX {$770.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$2700.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1200.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$670.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$970.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$180.00} XX/XX/XXXXXXXX XXXXXXXX XXXXXXXX {$270.00} XX/XX/XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I had just received a new card from cash app, went to XXXX XXXX to purchase some ice, some kind of way my card must have fell out of my purse. The lady behind me went ona shopping spree with my card. I did not learn of it until XXXX the next morning, i called Cash appt right away could not get them so i called the police, filed a report they went to the store and saw the video and called me back. then i was able to get a hold of cash appt and file a report, when they got back with me they refused to give me my money back. I then called two liquor stores about the purchases they had on videos. i have kept trying to prove to cash app that i did not do this. I am a XXXX person and i would not do this to myself. I got back with the police wasn't able to get the video, but got my police report and sent it to them and still they are telling me that i made those purchases, i had just had money sent to me that same day so i could pay my bill, i have submitted my report 6 times and still they won't help me. the amount of money stolen is {$530.00} Pl help me.
Product: Credit card

XX/XX/2024 contacted XXXXXX/XX/XXXX while reviewing my statement and found a charge for {$360.00} for some sort of tickets for XXXX XXXX. Upon further review I had another charge for this same. XXXX XXXX immediately canceled the card. I called again in XXXX to check the status and was told it was still be investigated and that they had reversed the charges. 

Today I was opening XX/XX/2024 mail and found a letter dated XX/XX/2024 stating I was responsible. They provided no information on the date or location of this transaction, no merchant information. I contacted XXXX for a third time because my previous statements are blocked and was told that they closed the fraud and I am responsible. 

They did not conduct an investigation, nor contact me for further information. I have been fraudulently charged XXXX times for {$360.00} for tickets to some sort of event. I live outside of XXXXXX/XX/XXXX I can provide affidavits from my employer that I have not traveled since XX/XX/2024. I have
Product: Debt collection

I have been getting recorded calls from a collection agency telling me to get in touch with a different number to settle a debt. I have called them multiple times stating that the person they are looking for is not longer the owner of this phone number and I have been told that they will remove it from their list. However, after many months they keep on calling at least twice a day and now I do not know what else I can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1681 ( A ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and GENERAL REPUTATION OF CONSUMERS. You can review my credit report as evidence to see that my reputation in fact has been ruined. This section clearly says that a consumer 's credit report was established to identify a GENERAL REPUTATION OF CONSUMERS. Also, I stated before I was a victim of the Equifax Data Breach.
Product: Credit reporting or other personal consumer reports

Equifax and XXXX are neglecting my rights under 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) they have not on numerous occasions ater being sent certified mail requested results of investigations into inacurate information on my credit report. XXXX has completed and removed all negative information that was not me. They will not give me any information and will only say that IT WAS VERIFIED AS ACCURATE, They are participation in willful non compliance. Legal steps will be made if this isn't rectified though this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 XX/XX/2021 I paid XXXX loan payments to account XXXX and self lender is reporting late when I indeed paid 15 U.S.C 1681 Section 602 A. XXXX  I have the right to privacy. 15 U.S.C 1681 Section 2 : its 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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, DEPT OF EDUCATIONXXXX Account # XXXX, XXXX & XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, DEPT OF EDUCATION/XXXX Account # 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. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Debt collection

I pulled may credit report and saw a medical bill from XXXX XXXX XXXX. I have not received any service from this hospital. The bill is showing on all three credit bureaus, from two different collection agencies. I contacted the agency that is listed on my XXXX and XXXX reports since its the same agency XXXX XXXX XXXX XXXX. I spoke with a rep ( XXXX ID # XXXX ), explained to her this is NOT my debt. And I asked her how did they send this to the credit bureau without contacting me. Well they did n't have an address, phone number or any type of contact information linking me to this account. Thats how!!! She tried to look the account up by my name, address and phone number and NOTHING comes up. She then looks the account up by the last four digits of my social and the account comes up under someone else name. So I asked her for the address the letter they sent the notice to and she told me she could not give me that since I was not the patient listed on the account. She goes on to tell me that I can dispute this as identity theft and contact them in five days, or they can still come after me for payment. How is that possible? I am not paying for a debt that is not mine. When the rep could not find an account for me she asked are you sure we ( XXXX ) sent this in to the credit bureau? I told her yes and read off their information from my report. I did n't have an account number for the debt which she did supply me with the account # XXXX {$620.00}, # XXXX {$200.00}, # XXXX {$550.00}. I 'm currently out of work and was offered a job at a XXXX XXXX which the offer was rescinded due to my credit. The collection agency is not willing to remove this debt and it is causing me to not qualify for employment in my field of study.
Product: Mortgage

The State of Virginia offers property tax exemption for XXXX XXXX XXXX and XXXX XXXX veterans. I have provided my mortgage company with the required documents as well as additional requested documents that include a sealed and certified letter from the state that verifies my exemption status. I have called Freedom Mortgage multiple times to have them fix the situation but they continue to request additional documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i received a alert from equifax saying that there has been a change with my credit card account issued by my bank XXXX XXXX XXXX XXXX Account closed at the consumer request.I updated my Equifax report on XX/XX/XXXX and took it to my bank XXXX XXXX XXXX XXXX sent notification to Equifax on XX/XX/XXXX and i disputed the account the same day i have supporting documents from my bank.On XX/XX/XXXX My credit file was updated my credit card account was reporting open.On XX/XX/XXXX my credit file was updated credit card close at the consumer request.XXXX, XXXX has been compliant by updating my credit card account at XXXX XXXX XXXX XXXX request.Equifax is being non compliant and is breaking the fair credit act law.I Will be submitting supporting documents to back up my claims.
Product: Payday loan, title loan, personal loan, or advance loan

I receive periodic promotional ads on my XXXX feed for various products. There was one for XXXX XXXX Flannels to purchase a XXXX flannel baseball jersey. Original retail price of {$210.00}. I was able to save 15 % by allowing text messages from affirm. My new purchase price was {$180.00} and some change. I was offered the option of making 4 installment payments of {$45.00} and some change ; I selected this option ( keep in mind these payments would be taken from a financial institution account of my choice ). This was for 4 installment payments. Of course I was denied. I filed ch XXXX XXXX in 2000 due to the pandemic. I was off work due to being quarantined by my doctor- due to medical reasons. Was confined to my house for about a year, and could not telecommute for work-was not an option with my job at that time. I have been Making my scheduled chapter XXXX payments on time for 2 years now. I also have substantial deposits on hand. Own my home and automobiles free and clear. Making current credit card payments on time. XXXX t well above the minimum monthly payments. And yet I am denied financing {$180.00} for four payments I can easily afford. I have been approved my affirm in the past for a higher $ XXXX ( XXXX XXXX XXXX ). Made all those payments on time. Even financed over {$300.00} before with them. I have been told by affirm I have been denied for for financing before due to their credit modeling. They could give me no plausible explanation. Makes no sense at all.
Product: Credit card

I reached out to XXXXPHILLIPS66 in regard to opting out of them sharing my personal information and they have not assisted me with a remedy to do so. They have been sharing my information to all three credit bureaus and it is hurting my score severely. On my report it is showing as a closed account that owed {$650.00}, and is preventing me from getting any new lines of credit. Also they have different last reported dates for all three credit bureaus.
Product: Credit reporting 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 U.S.C 1681.

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

15 U.S.C 1682 Section 604 A Section 2 : It also states a consumer reporting agency CAN NOT FURNISH AN 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 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer agency if the person knows or had reasonable cause to believe the information is inaccurate
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/year> Consumer Financial Protection Bureau Office of Complaint Response XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX Dear Consumer Financial Protection Bureau XXXX I am writing to file a dispute regarding alleged violations of 12 CFR 1006.34 ( b ) ( 5 ) by Credit Collection Service XXXX a debt collector for XXXX XXXXXXXX XXXX 

The car was not financed and returned to the company before we drove off the lot I obtained insurance in my name for my son to get the car, we decided to return the car and didnt have the car for the month of insurance I am being charged. I believe this company actually owes me money. 

On [ date ], I received a communication from [ Credit Collection Service Name ] regarding an alleged debt originally owed to XXXX XXXX. I believe this communication violates the Fair Debt Collection Practices Act ( FDCPA ) through its failure to comply with 12 CFR 1006.34 ( b ) ( 5 ). 

[ Clearly and concisely explain how the credit collection service has violated the regulation. For example, you might state that they failed to provide accurate validation information, or that they continued collection activities after the validation period expired. ] I have attached copies of all relevant documentation, including [ list of documents, such as the validation notice, communication from the credit collection service, etc. ]. 

I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against [ Credit Collection Service Name ]. I am seeking [ state your desired outcome, such as debt validation, cessation of collection activity, or monetary damages ]. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, [ Your Name ]
Product: Debt collection

Billed by second of two debt collection agencies retained by XXXX XXXX, XXXX. Membership was canceled with written notice via the terms specified by the club membership. XXXX XXXX XXXX  canceled billing agreement. XXXX XXXX continued to try and bill me after membership canceled. I owe nothing. They turned this matter over to a debt collection agency.
Product: Credit card or prepaid card

I have 5 late payments of 60-90 days between XXXX on my credit report, I called and asked to have them removed after being in good standing for 6 months at which time they denied my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXXXXXX Account # 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 an account without my written instructions.
Product: Payday loan, title loan, or personal loan

XX/XX/2020, I reached out to the company and asked if paper billing was available, they said that they would not do paper billing.
Product: Credit card or prepaid card

Received line of credit from synchrony bank for home repairs, once the account was posted & accessible they added fees and interest which automatically sent the account over the limit. The over limit caused significant damage to my credit & I attempted on two occasions to get info about the account before it posted and was told they didn't have access at the time.
Product: Debt collection

I received an XXXX credit report in XXXX when applying for a car loan. This is when I first learned about the debt collection from a company called Interstate Credit Collection for {$100.00} from XXXX XXXX XXXX. At the time, I believed this was a debt that belonged to my father who shares the same name as me and at the time, we had the same home address. Neither my father nor I have every received any written or phone notifications from this company about the debt. I called them to obtain more information and they told me that the debt actually belonged to my father and that they would remove the debt from my credit report. I recently checked my credit report in XXXX and they are continuing to report this debt not at {$65.00}, even though I haven't made any payments to them or received any information from them. They are now using the name XXXX XXXX, XXXX. I disputed this debt collection with XXXX because I believe it is not mine but they told XXXX it was valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Select portfolio servicing gave me a modification, They said after a successful mod, they would update my past due reporting to paid.

I made all payment on time to the aggreement.

They sold my account to XXXX XXXX, And now it still shows late payment for the entire time, Over 180 days late,
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$7300.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$640.00} ; XXXX XXXX XXXXXXXX Balance : {$43.00} ; XXXX XXXXXXXX XXXX Balance : {$120.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$370.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX  Balance XXXX {$460.00} XXXX XXXX XXXX  XXXX Balance XXXX {$1100.00} ; XXXX XXXX XXXX XXXXXX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 trying to freeze my credit with all major credit agencies, and Early Warning says they do not allow credit freezes in violation of the Fair Credit Reporting Act.
Product: Checking or savings account

I had XXXX Chase sapphire accounts that were all closed in XXXX. I have yet to receive any of my funds to date. I have a total of {$3100.00} which I am entitled to.
Product: Credit reporting

I tried to get my free annual credit report from Equifax and they asked me questions which do not apply to me and apply to another person that Equifax keep associating with my credit file. Every year I have to complain and fight and file a law suit to get my credit report from Equifax and then the information is incorrect and I have to spend most of the year fighting to get it corrected. Then a few weeks go by and Equifax again add wrong information to my credit file about another person. This is affecting my credit and my employment. The questions they asked me are Do I have a mortgage taken out in 2009? which I do NOT, How much are the payments? since I do not have XXXX there are no payments, I have a credit card taken out at the same time? which I do not. and because I answer these questions correctly EQUIFA REFUSE to give me access to my credit report, but I suspect allow the other fraud person access to my credit report. 
Every hyear I have to fight this and every year these Equifax people destroy my credit again. Please make them stop doing this to me. I have to spend many many hours on this every year, year after year after year due to their Negligence and incompetence
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.
Product: Consumer Loan

I paid on my car loan for XXXX years on time. I lost my job and I communicated that to the lender of my car loan. They were not willing to work with me so my car was repossessed. I was expected to pay the balance of the loan and not the missed payments.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and request the immediate blocking and deletion of the following accounts and inquiries from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were opened or made fraudulently in my name due to the breach. 
Below are the affected accounts and inquiries : Accounts to Be Blocked and Deleted : XXXX. XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$560.00} XXXX. XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$430.00} XXXX. XXXX Account Number : XXXX, Opened : XX/XX/XXXX, XXXX : {$380.00} XXXX. XXXX Account Number : XXXX, Opened : XX/XX/XXXX, XXXX : {$11000.00} XXXX. XXXX XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$2100.00} Inquiries to Be Removed : XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX  XX/XX/XXXX
Product: Checking or savings account

I am filing a complaint towards Navy Federal for multiple overdraft fees my account have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account Transactions.
Product: Credit card or prepaid card

I got an Amazon only store card on XX/XX/XXXX got a bill made a payment of XXXX XXXX XXXX During the month of XXXX charges were made to my XXXXXXXX XXXX Card which was on file by not the Primary card on the Amazon account. So both accounts were put on hold XXXX sent me a new card and amazon refunded the money to my card XX/XX/XXXX XX/XX/XXXX they charged a late fee excessive if the cards charges are in dispute I called them XXXX XXXX XXXX XXXX and XXXX XXXX and all they could say was pay over the phone I verified on XXXX XXXX my profile and how the information is inputted and comparing the information to online statements. I made the attempt to pay XXXX XX/XX/XXXX and it shows it went through online. I called again in XXXX XXXX cause more charges were added and all they could tell me was insufficient funds. So I called my bank and gathered the numbers and verified the account numbers I paid the bill of XXXX with XXXX XX/XX/XXXX and still have a bill of over XXXX They are bullying me and committing fraud