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

I recently purchase a XXXX XXXX Lithium-Ion Battery Powered Pump Zero Technology Sprayer, 2 Gallon, White in the amount of {$68.00} on XX/XX/XXXX through  PayPal from XXXX XXXX XXXX XXXX. I contacted PayPal on XX/XX/2020 to file a dispute with the company. The company sent a via XXXX  Tracking XXXX. 
On XX/XX/2020 at XXXX XXXX  I contacted XXXX customer service ( XXXX ) stated that the item was delivered at XXXX XXXX XXXX XXXX XXXX, IL XXXX and purchase from XXXX. My purchase was maded through PayPal which have my correct address listed as XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, IL XXXX. Neither I nor anyone authorized by me has signed for or received the merchandise.
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 USC 1681. I told experian, XXXX XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit.

Please delete this items as soon as possible.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Balance : {$800.00} Account Type : Collection Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Balance : {$430.00} I am filing this complaint due to accounts on my credit report that were opened fraudulently as a result of identity theft. These accounts were added without my consent, and I am requesting their removal under FCRA Section 605 ( b ), which mandates the deletion and blocking of information resulting from identity theft.
Product: Debt collection

Hello this account was originally with Advance America and the debt was originally XXXX XXXX and I set arraignments and paid the debt down to {$700.00}. When it came down to me paying I couldnt get a hold of the right dept to make the payment because advance financial had some internal departmental changes.After these changes, when I called to make my payments no one could locate the account and the next thing I know I get an email from Advance Financial saying they sold my account to XXXX XXXX XXXX for {$1000.00}. Fees was waived. I was making payments, before internal changes, faithfully and I paid original balance down to {$700.00}. I am disputing the balance Advance Financial sold off to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

There was a business account opened in my name at US Bank on XX/XX/year>, without my knowledge. I did not know anything about this account until XX/XX/year>, when I received a bank statement in the mail. I immediately went to a US Bank branch that is located in the town I live in, and started asking questions. They would only put a hold on the account and told me I would have to contact their fraud department. I have XXXX and immediately called them to get them involved and find out the next steps. After this account was opened there was a deposit of {$220000.00} made to this account from the IRS. After this deposit there were XXXX withdrawals made from this account in XXXX for a total of {$83000.00}. All the withdrawals were done by XXXX XXXX to a XXXX XXXX, which we have never heard of. There is still a balance sitting in the account in the amount of {$120000.00}. We have filled out and filed all the paperwork the bank has asked for, but they will not tell us or provide us with the documents used to open the account. We have been working on this, with the help of XXXX since last XXXX. We have been calling every 2 to 3 weeks along with XXXX to the number US Bank has provided, only to get another person who doesnt know anything and having to start all over again. No one in this department has a direct number to follow up with. We can never get ahold of the same person twice, they always say they will put it in their notes and follow up and never do.
Product: Checking or savings account

This is my third time cashing a check and every time its been an XXXX. This time theres a XXXX hold on my account when I dont use it to pay for anything just put money on. I even had XXXX cents to show no pending nothing. I signed the back like I always do and theyre playing with my time, patience, and money. If wells doesnt get their XXXX together Im going up legally. XXXX this back and forth XXXX idc the time it takes, people work hard for their money and to turn around and have something that should be available 24/7 with no problems XXXX with you lol. XXXX Wells Fargo for XXXX with people lives and money XX/XX/2018 XXXX is what I deposited with my signature on the back!
Product: Credit card or prepaid card

I have a Barclays AAdvantage Mastercard. Their Mastercard ID Check system rejects online purchases I try to make with the card. I have spoken to more than a dozen employees at customer service and security, and nobody can fix the problem. I have a different Barlcay 's Mastercard that I've had to use, so I know that it is not a problem with the multiple vendors I've made purchases from. There is nobody at Barclay 's who seems to have the ability to solve the problem.
Product: Checking or savings account

My name is XXXX XXXX and actually this is about chase retaliating Agaisnt me and closing my checking account from me complaining to the cfpb about the issue I had with chase and XXXX   XXXX  and chase had to refund my account so they closed it saying too many wierd refund transactions now they have put le in deep financial despair by doing that and my stimulus economic payment has been sent and I cant get it because they closed my XXXX  account. I just had a baby and very stressed out and this just put it way over. I will be seeking monetary restitution payments against chase for all the extreme XXXX XXXX and XXXX that they have been putting me through And also while I was XXXX  that was the worst and now. I called chase and asked why did they do that and I was given the XXXX  answer about the transactions and that there wasn't anything they could do and if anything was to go to that account they would mail it to me. I dont have time to wait when I should have had it now. Chase really needs to be brought forward on lawsuits for alot of undercut practices they do and how they treat their customers wrong and disrespectful
Product: Credit reporting or other personal consumer reports

RESISTANCE WITH GETTING INFO REMOVED/UPDATED XXXX  credit report My Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


THANK YOU IN ADVANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : Chapter XXXX Bankruptcy Account Number : XXXX has violated my rights. Or list of inquiries 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

XXXX, XXXX, and XXXX. 
XX/XX/year> {$170.00} Account number : XXXX I faced financial difficulties that led to the delinquency, but I have since improved my financial habits. I am kindly requesting that you remove this collection account from my credit report as a goodwill gesture.
Product: Payday loan, title loan, personal loan, or advance loan

Transaction Summary Date Transaction Payment Method Transaction Amount Previous Principal Balance New Principal Balance XX/XX/XXXX Loan Open {$2500.00} {$0.00} {$2500.00} XX/XX/XXXX Disbursement {$470.00} {$0.00} {$2500.00} XX/XX/XXXX ProcessingFee {$25.00} {$0.00} {$2500.00} XX/XX/XXXX LateFee {$59.00} {$2500.00} {$2500.00} XX/XX/XXXX WrittenOff {$3700.00} {$2500.00} {$2500.00} XX/XX/XXXX Payment Check {$500.00} {$2500.00} {$2500.00} XX/XX/XXXX Payment Check {$200.00} {$2500.00} {$2500.00} XX/XX/XXXX Payment Check {$280.00} {$2500.00} {$2500.00} XX/XX/XXXX Payment Check {$300.00} {$2500.00} {$2400.00} XX/XX/XXXX Payment Check {$340.00} {$2400.00} {$2100.00} XX/XX/XXXX Payment Check {$340.00} {$2100.00} {$1700.00} XX/XX/XXXX Payment Check {$340.00} {$1700.00} {$1400.00} XX/XX/XXXX Payment Check {$340.00} {$1400.00} {$1000.00} XX/XX/XXXX Payment DebitCard {$36.00} {$1000.00} {$1000.00} XX/XX/XXXX Payment DebitCard {$290.00} {$1000.00} {$750.00} XX/XX/XXXX Payment DebitCard {$290.00} {$750.00} {$460.00} XX/XX/XXXX Payment DebitCard {$290.00} {$460.00} {$160.00} XX/XX/XXXX Payment DebitCard {$290.00} {$160.00} {$0.00} XX/XX/XXXX Payment DebitCard {$290.00} {$0.00} {$0.00} At a certain point, it became difficult to pay this loan off with its costly fees. I wasn't able to pay it. I briefly got into a program for paying off debts in one sum, but that eventually became to difficult. I have to pause the program. In XXXX of XXXX, this company began debiting my bank account again even though the debt program I had been in had the debit revocation document to this company while I was in the program. If the last principal payment was taken on XXXX for more than what was owed on the principal balance, why did they take another payment on XXXX?
Product: Credit reporting or other personal consumer reports

I found first fin in my credit report and called them and ask about the alleged debt ask them to provide all any won the account and never did send any information but it was removed from my credit report and than later reinstated now I am reaching out to your company to file a complaint on this illegal transaction thats has cause me harm to my personal consumer credit report I have the deleted account information that I will provide today.thank you kindly for your assistance.
Product: Debt collection

This dept is for services my daughter never received. I'm on XXXX and can't afford a dept that I'm unfairly being charged for. They are hurt my credit because they report a collection increase every XXXX weeks. I currently need to move and can not get approved for a place because of their constant reporting.
Product: Credit card or prepaid card

Barclays Mastercard closed my account without my knowledge on XX/XX/2022 charged me an annual fee of XXXX. XXXX in XXXX of 2022, took my XXXX award points and miles, charged me XXXX dollars in late fees. This is consumer abuse and fraud at its finest. I am shocked that a company the size of Barclay would stoop to this level considering I have been a loyal customer for so long. I contacted Barclays on XXXX, XXXX, 2022 in hopes of resolving this matter. I spoke to a representative and a supervisor and neither of them seemed interested in assisting. Needless to say I am appalled, shocked, and disappointed in the lack of ethics displayed by Barclays business practice. Furthermore, I am wondering how many other consumers have been on the receiving end of this unethical practice. It is estimated that this practice has cost me close to XXXX dollars in award points and monetary value.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2017 I disputed account with XXXX # XXXX. They sent a letter denying any inaccuracy. They sent documents but didn't have original documents nor signature verifying this account to be mine.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your urgent attention the severe discrepancies and inaccuracies I recently discovered upon conducting an investigation of my credit report. It has come to my dismay that several items on my report are unverifiable, invalidated, and unquestionably inaccurate. These inaccuracies have not only caused me undue stress but have also had a detrimental impact on my mental well-being. 

Under the Fair Credit Reporting Act, it is imperative that all information reported on a credit report is 100 % accurate. However, upon reviewing my report, it is evident that your agency has failed to ensure the accuracy of the information being reported. This blatant disregard for accuracy is a direct violation of 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). 

I demand immediate action to rectify these egregious errors and to ensure that my credit report reflects only verifiable, validated, and accurate information. I have attached copies of all letters previously sent to your agency regarding these discrepancies for your reference. 

Please be advised that I expect prompt resolution of this matter. Failure to comply with the Fair Credit Reporting Act will result in further action being taken against your agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, 3 Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX Balance : {$12000.00} ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I just looked at my consumer credit report from TransUnion XXXX XXXX, XXXX. I saw some hard inquiries on my credit report that did not have permissible purpose. I also attached the evidence. 

1. [ XXXX XXXX - XXXX XXXX, XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to XXXX XXXX XXXX B 2. [ XXXX XXXX - XXXX XXXX, XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to XXXX XXXX XXXX XXXX 3. [ XXXX XXXX - XXXX XXXX, XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to XXXX XXXX XXXX B 4. [ XXXX  XXXX - XX/XX/XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to XXXX XXXX XXXX XXXX 5. [ XXXX  XXXX - XXXX XXXX, XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to XXXX XXXX XXXX B
Product: Credit reporting or other personal consumer reports

The following company Sunbit Inc has there company name listed on my XXXX credit report as a debt in the form of credit card in the amount of {$4400.00} acct # XXXX and installment loan of {$840.00} acct # XXXX. I have tried to resolve this matter amicably with this company. I have no recollection of ever doing business with this company nor have I ever heard of his company. I have sent certified mail requesting documentation with my signature. They have not provided me with any proof of this account belonging to me. I have filed a FTC theft report and police report sent to the major credit reporting agencies.The personal information this company has on file for my identity is not related to me such as address, phone, email etc. I am reaching out to the CFPB to help me resolve this matter.
Product: Credit reporting or other personal consumer reports

upon reviewing my credit file i notice that there were two credit cards established in my name with XXXX XXXX XXXXXXXX and discover after careful review of these accounts i did not establish these accounts and they appear to be fraudulent .i have not given any one my expressed permission to establish these accounts in my name this information represents clear violation of the ( FAIR CREDIT REPORTING ACT 15 U.S.C 168I
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report. The credit report showed credit inquiries by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put inquiries on my credit file unless I have authorized it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

My XXXX XXXX XXXX daughter has a credit card debt that went to collections. This debt collection agency contacted her. She gave them permission to work with me on this. They called me and I told them to email me a proposal, and almost immediately after they emailed it they began calling me again. I emailed them to stop the phone calls to my daughter, me or any of her friends or relatives and that we could continue to work together in writing. I also asked that they validate the debt. They pressed to have payment of over {$1200.00} by the end of the month, which at the time was 12 days. I told them that was not possible and I needed a more reasonable payment plan. He sent me back something that had payments totaling over {$2500.00} at {$210.00} a month, with XXXX payments in XXXX. I countered that he had XXXX payments in XXXX, and I offered to pay XXXX even payments of {$320.00}. He said that he only got approval for the settlement if I paid it by the end of the month. I told him that may be but it was his issue that he went to his client with a proposal that I never agreed to. I said I suggest you take this to your client.. He said he would. This was yesterday, XXXX XXXX. I have not heard anything back from him. Today, XXXX XXXX, I get a phone call from XXXX XXXX with their company saying she wanted to get a final on this. I said you are not supposed to call me, and I am very busy. She proceeded to talk over me while I was asking her to validate the debt for me, she told me she would not call me again, and since she was talking over me, I could n't understand what all she was saying, but she said something about I 'll tell you what I 'm gon na do, and then I did n't hear anymore because I was asking her to validate the debt. I want them to validate this so that I can make a reasonable offer. I will pay what my daughter charged and a reasonable amount of interest. I need to see the statement so I can offer a fair settlement. They are unwilling to do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEAR XXXX XXXX XXXX FOR MY LEASE : I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2022 FOR 30 DAYS? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly COVID-19, and being hospitalized with COVID, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me.