23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have a citi double cash card and was promoted a offer that said if i spend XXXX in the first XXXX months of using the card ill receive a XXXX dollar welcome bonus well i did that and never received it and called about the offer several times getting nowhere saying they dont see a offer and just abunch of XXXX the card still promotes the same offer and has been for a while
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The items need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should 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 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 bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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
Product: Credit reporting or other personal consumer reports

I am submitting this complaint myself and there is no third party involved. These items were inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done many attempts to reach out to Three Credit Bureaus but they failed to give me any results or feedback about this concern.I demand that they rectify these violations and provide me with an accurate and updated credit report immediately. With that, I am asking for your assistance to delete or remove these inaccurate items from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Subject : Formal Complaint Against XXXX  Account services for FCRA & FDCPA Violations Dear Consumer Financial Protection Bureau, I am filing a formal complaint against XXXX Account services for unlawfully reporting an unverified debt to XXXX and for continuous harassment despite my repeated requests for proper validation. 
Over two months ago, I began receiving collection calls from XXXX Account services regarding a debt that I do not recognize and does not belong to me. I immediately exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692g ], which requires a debt collector to provide written validation of a debt upon request. However, despite my repeated denials of responsibility and my demand for proper verification, I never received any written notice, letter, or email substantiating the validity of this debt.

Furthermore, under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681s-2 ], a creditor or collection agency is prohibited from furnishing inaccurate or unverifiable information to the credit bureaus. By reporting this unverified debt to XXXX, XXXX Account services is in direct violation of federal law. 
This failure to provide proper validation before reporting the debt has caused undue harm to my credit profile. Therefore, I am formally demanding that this account be immediately removed from my XXXX credit report. If the collection agency and XXXX fail to take corrective action, I will have no choice but to pursue legal remedies.
Product: Money transfer, virtual currency, or money service

Description of the scam : I was approached by a person named XXXX XXXX on XXXX XXXX XXXX XXXX XXXX [ Phone Number : XXXX ( XXXX ) XXXX ]. She said she was from a recruiting company called XXXX XXXX XXXX. She said I will be contacted by someone on XXXX for part-time work. I was then approached by a woman called XXXX for some part-time work for which they would pay me in XXXX XXXX. 
They promised me rewards after completing certain tasks after logging into their web application. I had to deposit an initial amount of {$110.00} minimum. The app would then display images of some mobile apps. I need to click on these images. One image click was called a task. 
The initial deposit was the cost of these tasks. For each click I would be paid a commission of 0.5 %. 
There were XXXX such tasks to complete in a day. 
Higher the initial deposit greater the cost of a task and greater the commission. 
Now and then there would be a combo task whose cost was greater than initial deposit and would cause my deposit amount to become negative. 
To continue further I needed to deposit an amount equal to the negative amount. If the amount was negative, I could not withdraw my money. 
For the first 4 days, they kept paying me as if everything was real. 
On the 5th day, I committed a higher amount. That's when they kept making my balance negative. 
And towards the end, my negative balance stood at XXXX XXXX. 
That's when I started searching if I would ever get my money back. I read an article on XXXX about a similar scam and that's when I realized I had been scammed. 
I asked the scammers to refund my money and they said they won't do it. 
I reported this to my local law enforcement : XXXX XXXX XXXX XXXX 's office. I also reported it to XXXX FBI. 

I complained to XXXX about the scam but they did not take my complaint seriously. 
More details are attached in the letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX Date XXXX Balance : {$29.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  Company Inquiries : 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 obtained credit reports from the " big three '' reporting agencies only to find fictitious, wrong and many unauthorized " hard request '' from companies I haven't made inquiries to for credit and or connecting services. 

These hard inquiries have caused my credit score ( s ) to decline many % points despite my attempts to restore my worthiness given some hardships due to a repossession with XXXX XXXX  -- XXXX once they sold my and my husbands account. 

I am submitting hard copies of reports received via my online request to the credit bureaus, one of which is unable to present it online due to my inability to answer the identifying matches be they didn't match me and my past residence, family, etc. as needed. I also noticed a false social security number I have never used, on one report as well. 

Agencies, it appears have been given the green light to misuse federal funding 's be it in hiring management salaries, or other maneuvers to cause irreparable harm to again XXXX consumers and/or XXXX  XXXX consumers as if the scenario puts me in the face of whom I'm seeking credit with and that credit is denied or more capital is usually needed, then what other claim can I make and assume given my only identity since birth has been XXXX american. I'm not seeking XXXX additional creditors if I'm denied by the first XXXX or so.
Product: Debt collection

I received a bill from Viking Client services for an alleged balance that was due to XXXX, My insurance company XXXX has paid XXXX. 

I sent Viking services a letter asking them to verify the debt and to include an itemized bill explaining any remaining balance.I have the receipt of the certified letetr sent to them with this request. 

I never received a response from Viking Client services. 

I still get harrassing calls and my request was and continues to be ignored.
Product: Checking or savings account

had several instances when account was overdrafted and i would send money to cover and would be told that it didn't post before the overdraft did. would still be charged a fee.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XXXX XXXX XXXX I received a judgement against me in the mail from Johnson mark llc. I called to see what the judgement was for and to ask why and how they could get a judgement without notifying me. They said that they had served me XX/XX/XXXX but I had not been served or notified of this debt. I did some digging and found out that the debt was from a credit card that i had had a few years earlier. I thought the card was paid but I could n't be sure so I went down on XX/XX/XXXX to Johnson mark llc office in XXXX Idaho and paid the debt in full. I asked multiple times that the debt was paid and that the garnishment was taken off the secretary said she would do it right then and I waited as she entered the information on the computer. She said it was done and then I asked to speak to the attorney XXXX XXXX and asked him the same questions which he replied that it was paid in full and the garnishment was taken off. On XX/XX/XXXX my paycheck was garnished for around XXXX dollars. I went down to talk to Johnson Mark llc and was given the run around about how they did n't have a receipt for my payment that it was n't in their computer and that if money was owed back to me it could take days or weeks to refund. I have all the receipts showing that it was paid in full on XX/XX/XXXX which I showed him. He was not surprised seeing that he was XXXX of the XXXX people that helped me when I went in and paid it. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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.C 1666B : 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: Credit card or prepaid card

I noticed an unrecognized account in my name. Filed a dispute with Montgomery, the card issuer. Filed a dispute with XXXX  also.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE FRAUD ALERTS AND EXTENDED FRAUD ALERTS FROM MY EXPERIAN PROFILE XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX
Product: Credit reporting or other personal consumer reports

For the last 6 month I have been sending information to the three major reporting agencies, ( XXXX, Experian, & XXXX ). Disputing inaccurate information reporting on my personal credit profile, as a result of identity theft. I wrote letters listing the accounts numbers in question, the dates, and amounts. I also provided police report, the claim information from the FTC and now the CFPB. They continue to say it been verified. This has become an epidemic identity theft is out of control. These are things that should be on the floor when it come to politics.
Product: Debt collection

I am currently looking to discontinue my payment arrangements with Pro Collect Debt agency regarding my outstanding balance with XXXX Prior to today I did not have any previous issues but this is cause for concern since I do not want any further inconveniences with my credit. I made payment arrangements of {$100.00} due on the XXXX of each month and was contacted today at XXXX am stating my payment was declined due to insufficient funds. I find this concerning because XXXX I work for my financial institution and can verify if a payment was declined for this reason, and I would have also seen a charge of {$29.00} hit my account. My account had sufficient funds to not only cover the amount but also the fee of {$7.00}. After speaking with XXXX or XXXX a payment of {$100.00} was successfully processed. I do not wish to receive further calls stating my payment was declined due to Insufficient funds and was able to speak with the apartment manager XXXX or XXXX regarding the issue of the phone call and my concern for my future payments. She did offer assistance in processing future payments via a Money Order and honoring the current balance of {$790.00}. I find not only a concern that the assigned Account XXXX sped through the last phone call I had with her, but also a concern that when attempting to resolve this matter with a Supervisor, I was transferred multiple times only to receive a busy signal. I also find it discomforting that during a LiveChat session with XXXX XXXX required my full Social Security Number to simply tell me that they can not send me any proof until I have paid the account in full. It is disturbing the lack of customer service debt collectors have. I speak from personal experience in assisting my place of employment as well.
Product: Credit reporting

I am filling this complaint because XXXX has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ..Promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you
Product: Credit card

" I'm stressed about my collection account because it feels like it's weighing on my financial stability and causing a lot of XXXX. Ive been trying to get back on track with my finances, but the constant reminders and pressure from the collection agency make it hard to focus on finding a solution. I feel like I'm being judged or that my progress is being hindered every time I get another notice or call. Its just a lot to manage along with everything else Im dealing with right now. ''
Product: Credit reporting or other personal consumer reports

On XXXXXX/XX/year> I sent a dispute letter to the bureaus pertaining to the inaccuracies that are listed in collection on my credit report and after 30 plus day investigation everything came back verified. But when I went to check my credit report everything was still the same with opening and closing dates still not matching 4 to 5 different name variation spelling of my first and last name etc. I sent out second round of letters disputing inaccuracies again using more laws to back up the previous one.
Product: Credit reporting

I have n't able to get a report from Experian even after calling 3 times.
Product: Checking or savings account

My personal information was exposed in last years data breach XXXX XXXX XXXX to be exact as in my SSN and other info
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX None of these accounts are listed on any of my addresses and is totally fraudulent and illegal. These must be removed asap! 


Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$600.00} XXXX XXXX XXXX XXXX XXXX {$2100.00} Date Opened XX/XX/XXXX Ohio XXXXXXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$11000.00} Ohio XXXXXXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$7600.00} XXXXXXXX XXXX XXXX  {$4900.00} Date Opened XX/XX/XXXX XXXX  Balance {$0.00} Date Opened XX/XX/XXXX Inquiries XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, UT XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX, UT XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, UT XXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX, UT XXXX