23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In my previous complaint : " XXXX '' I put the wrong email, I put XXXX, when the correct email is : XXXX. XXXX from the : " PayPal 's office of executive customer advocacy '' had called my phone ( XXXX ) at random hours, leaving no return phone number or email where I can attempt to reach him back at to discuss this issue. This has been the same experience for all contact attempts by " PayPal 's office of executive customer advocacy '' since XX/XX/2023 and Ive never actually been able to speak to anyone this department. 

account : XXXX card # : XXXX My Paypal XXXX card does not show as a payment option when I checkout with Paypal. Ive had this issue since XX/XX/2023. PayPal and XXXX both refuse to acknowledge the issue and continue to point fingers at each other saying : " Its not my fault, its there fault! ". Both refuse to help and have been displaying incredibly unprofessional and apathetic images for their companies. I have spent over 100 hours on this, about 80 phone calls, dozens of emails, letters and CFPB complaints : ( XXXX, XXXX, XXXX, XXXX, XXXX ) - I will continue to contact you until someone acknowledges this card is not working and fixes it. 

Ive also attached : 1 ) a document from : XXXX XXXX " Senior Specialist Corporate Consumer Relations '' at XXXX XXXX  confirming this issue is Paypals fault so please do not skirt the problem and blame XXXX  again. 

2 ) XXXX form Paypal 's last CFPB complaint response he sent me. 

If I do not get a response from Paypal, or Paypal blames XXXX  again or if PayPal 's office of executive customer advocacy calls me at random hours without giving me a direct line or email to call you back ( The generic low level paypal phone support number you provided is of no use and you can not be reached there ) I will also start sending letters to the legal address of Paypal that XXXX  provided me, and referencing all these past cases and names of people I have dealt with who do not seem to care about this problem ive been dealing with since XX/XX/2023. 

Thank you.
Product: Debt collection

i previously sent a DEBT VALIDATION request to Portfolio Recovery Associates in accordance with the Fair Credit Reporting Act and all the I received back was a statement of an alleged charges without my signature on it. This alleged statement did not meet the FEDERAL TRADE COMMISSION and THE FAIR CREDIT REPORTING ACT guidelines to constitute proper debt validation. I have repeatedly called this company in an attempt to rectify this situation and i got was a complete runarounds with absolute no interest in resolving this issue. I will file a lawsuit against this company in 30 days for deliberately damaging my credit report and defamation of character if this derogatory information is not deleted from my credit report.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of purchasing a home for my family. Please remove from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CRE XXXX XXXX XXXX FEDERAL XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX AUTO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XXXX XXXX XXXX XXXXXXXX {$0.00} Date opened : XX/XX/XXXX XXXX XXXX {$0.00} Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date opened : XX/XX/XXXX XXXX XXXXXXXX XXXX {$370.00} XXXX XXXXXXXX {$3700.00} XXXX XXXX XXXX {$5200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent these accounts for dispute to the credit bureaus and did not get notification regarding the results of the dispute letters I sent for several months : XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX Account XXXX : XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX  Account # : XXXX XXXX Account # : XXXX XXXXXXXX XXXX XXXX Account # : XXXX & XXXX XXXX XXXX Account # : XXXX XXXX Account XXXX XXXX XXXX, XXXX & XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXX FORMERLY XXXX XXXX Balance {$21000.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you.
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 : //www.ftc.gov 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, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX XXXX  XXXX XXXX : {$350.00} ; XXXX XXXX XXXX  Balance : {$110.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$680.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$3000.00} ; XXXX XXXX Balance : {$3200.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX
Product: Debt collection

Bank of America is causing me great grief reporting a debt that I do not owe. I am being charged on an account is not mine. I am being charged {$7200.00} and I have disputed this charge not only with Bank of America but the credit bureaus as well. This charge is causing me XXXX  and XXXX XXXX as I am not able to get loans or any mortgage due to this incorrect information. I have over 2 years trying to remove this item from my credit and I have made no progress. Please help me.
Product: Credit card

Last XXXX my wife applied for an American Express card through XXXX. Instead of assigning her name to the card, American Express assigned my name and information. I did n't know about this until I reviewed my credit report earlier this year. This impacted my credit rating in XXXX ways ; ( 1 ) a hard credit inquiry, ( 2 ) an impact to the amount of my outstanding credit, and ( 3 ) a reduction in the average age of my credit cards. 
I submitted a complaint to the Oregon State Atty. General, and have received a reply from American Express ( Amex agent XXXX XXXX, XXXX ), but am not satisfied with the tone of the letter ( 1 ) implying that they are assisting me as if I was the cause of the problem, ( 2 ) in not providing any explanation as to how they will prevent such actions from happening in the future to me or others, and ( 3 ) assurances that my good credit has been returned to the level it would have been had Amex not taken such aggressive liberties with my excellent credit and Identification. 
I take my credit rating very seriously, and try to maintain my credit score above XXXX, and have never been late on a payment. As such I take considerable offense when a company such as Amex is cavalier in abusing my credit, and essentially stealing the use my identity for their monetary gain!
Product: Debt collection

On XXXX/XXXX/XXXX I received a response to a letter that I sent to Ability recovery service asking for Validation of a debt they alleged that I owed of {$430.00}. Not only was the company unable to provide me validation of the debt they sent me a generic peace of paper that doesnt have my Signature on it nor does it have me listed at as the patient who received these services which was the information that I requested for validation purposes. I also asked them for their method in which they verified the debt was mine and I owed for those services. They have reported this incorrect information on my credit file which has hindered me from obtaining financing. I asked that if this company can not provide me with validation of this debt that they remove this debt from my credit file!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX TRANSUNION Subject : Dispute of Unauthorized Account Due to Identity Theft DearXXXX I am writing to formally dispute an unauthorized account/transaction that appears on my [ credit report/account ]. I believe this account/charge is the result of identity theft. 



The unauthorized account/transaction is as follows : Creditor/Company Name : XXXX This account/transaction is not mine, and I did not authorize its opening/processing. I request that you immediately : 1. Investigate this matter under the Fair Credit Reporting Act ( FCRA ).

2. Remove the fraudulent account/transaction from my credit report/account.

3. Provide written confirmation of the results of your investigation.

To support my claim, I have included the following documents : A copy of my government-issued ID ( e.g., drivers license ).

A copy of my utility bill or other proof of address. 

A copy of the police report or Identity Theft Affidavit filed with the FTC. 

A copy of my credit report highlighting the disputed account ( if applicable ). 



Please investigate this matter promptly and notify me of your findings. You may contact me at [ XXXX ] or [ XXXX, XXXX ] if you require additional information. 



Thank you for your attention to this urgent matter. 



Sincerely, [ XXXX XXXX ]
Product: Checking or savings account

I was a victim of fraud on XX/XX/2021. 
I just so happened to check my Bank of America account and found that XXXX $ were fraudulent taken from my account via various purchases. I reported this to my bank within hours of the transactions being made only to be met with questionable customer service. I was told that an investigation would ensue and that my account would be frozen until the dispute was investigated. I reported this issue so fast that the fund were still in the processing stage. They were still in processing when I was told that my account would be frozen while the dispute is being handled. Today I received a letter informing me that my claim had been denied due to the fact that my information was obtained via a phishing scam through XXXX. This is very unfortunate as that money is all that I had to my name being that I have just relocated to another state. I am completely dumbfounded as to how I was never contacted to verify thousands of dollars worth of transactions that greatly exceeded my daily limit. I am constantly contacted by fraud prevention services over the smallest amount of purchases but I was never contacted to verify obvious fraudulent purchases of over thousands of dollars.
Product: Credit reporting

On or about XX/XX/XXXX, I was a victim of identity theft. The IRS verified this and sent me a notice. Attached hereto. On or about XX/XX/XXXX, I was a victim of fraudulent charges on a XXXX XXXX credit card. I reported the fraud charges to XXXX, which is the bank used by XXXX XXXX, but they refused to remove the fraud charges. XXXX finally provided me with the invoices that clearly show forged signatures or scribbling of an unknown signature. Clearly not identifiable. Attached hereto. XXXX 's own policy confirms that customers are not responsible for fraud charges. Copy attached. In fact, on XX/XX/XXXX in a telephone conversation with XXXX XXXX, Vice President and Senior Program Manager, she admitted that the charges were fraudulent. I have repeatedly maintained my position that I was a victim of fraud. This is racial discrimination as I am being threatened and having my civil rights violated in order to force me to pay fraud charges. I soon learned that my unblemished credit reports were damaged with XXXX 's intentional of affliction of racial discrimination by reporting false information. It should be noted my credit reports do not show any negative information other than XXXX 's. I disputed the fraud charges and they have not been removed. The credit reporting agencies have failed to make XXXX prove beyond a doubt their claim that the charges are correct. In repeating my position that these are fraud charges, I am losing control of my health. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX Balance : {$0.00} XXXX, IL XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On today XX/XX/2022 I recognized that these companies have violated the consumer laws. 

XXXX XXXX  Account Number : XXXX Amount : {$6500.00} REPORTED BY XXXX AND TRANSUNION Amount : {$7800.00} REPORTED BY XXXX XXXX Account Number : XXXX Amount {$530.00} REPORTED BY ALL 3 CREDIT BUREAUS In accordance with the Fair Credit Reporting Act, these companies have 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 : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Net credit is reporting in correct information on my report and I have disputed several times, reached out to them by email several times. This is what you are falsely reporting. 
The updated balance, paid off amount, balance, status saying past due 180 days, the late payments. They are reporting the payments as not current and the current payments, are current. This account has been agreed to settle. I have been disputing for months.
Product: Credit reporting or other personal consumer reports

After reviewing my credit file, the accounts that I want to investigate still on my credit report.
Product: Debt collection

ATT XXXX  has been attempting to collect a debt that is not mine, and their actions have been harassing. I only found out about this matter when I pulled my credit report upon seeing an unusual decline in my XXXX score on a credit card statement. I successfully disputed the matter with the XXXX credit reporting agencies and it was removed from my transcript. I also responded to the debt collector ( XXXX in XXXX, FL ) on their website per their instructions stating the following : " I have had no business with ATT XXXX, and this is not my liability. This constitutes an error by ATT, either by attributing the item to me, or failing to properly validate the identity of the person who used their services at account opening. The issue was previously investigated and resolved by the credit reporting agencies to my satisfaction, and I expect the same from XXXX, with no further collection efforts directed at me as a result of ATT 's error. Please confirm acknowledgement and resolution of this matter. '' XXXX did not acknowledge my statement as I had asked. Instead they have now passed the matter to another debt collector called Afni in XXXX, Il, who has been sending me repeated debt collection notices. 

I would appreciate your assistance with this matter, as ATT XXXX, XXXX, and now Afni have mishandled this matter and are continuing to harass me over this debt that is not mine. It seems to me ATT could have simply pulled up the call logs attributed to this account and easily identified the fraudster.
Product: Credit reporting or other personal consumer reports

Could you please remove these inquiries? I'm not familiar with them, and the company initiated them without my consent.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX Hard Inquiry XXXX XXXX XXXX Hard inquiry XXXX XXXX XXXX XXXX Hard Inquiry XX/XX/XXXX XXXX XXXX in hard inquiry 's XXXX XXXX XXXX  hard inquiry XXXX XXXX XXXX XXXX XXXX hard inquiry XXXX XXXX XXXX XXXX XXXX hard inquiry Collection XXXX Jefferson Capital {$3000.00} XXXX XXXX XXXX XXXX {$6700.00} All of the list inquiries and collections are on my credit report. These are unauthorized inquiries and collections under my credit. I also noticed the there are XXXX different social security number list as well. This is affecting my credit score. I have reached out to the company about it but still nothing has happened.
Product: Student loan

Due to  Navient and their lack of interest in helping consumers I was forced into bankruptcy to get relief while I was unemployed. I am now a public service employee and fulfilled the terms Of my bankruptcy. Navient  sent me loan statements   XXXX   dema nding 2 payme nts due on student loans and private student loans totaling {$1000.00} a month which exceeds my monthly income once you factor in living expenses for myself and my child. They told me I can easily afford the payments and could not lower my payment based on income. I sent in my paperwork to qualify me for loan forgiveness on   XXXX   XXXX  . I mailed it and faxed it to the number and address listed on pa ge 4 section 7 on the six pa ge document provided by  Navient . They have no record of any of it. Then informed me the address and fax number previously provided is not the correct information and gave me a different fax number to send it to. No one can answer why the form provided by them has inaccurate information and could n't tell me who 's number was provided that I sent my social security number into. I spoke with several people today and wastes countless hours and achieved nothing. {$1000.00} is not something that I could afford to pay. I am trying to make good on my deb t w Na vient but they are making it impossible asking for something I can not give.