23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach that has resulted in unauthorized activity on my credit file. As such, I am requesting that you block and delete the following inquiries and accounts in accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), which provide for the blocking and deletion of fraudulent information in the event of identity theft or a data breach. 
The fraudulent inquiries that were made as a result of this breach are listed below : Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 filed an identity theft report with the ftc ( XXXX ) about XXXX card - XXXX XXXX illegally sharing my private personal information in violation of my rights and equifax didn't promptly remove the account as required by law. I plan to file complaint with various oversight agencies and them file a lawsuit in XXXX.
Product: Credit card or prepaid card

I made an overpayment to my Citi card ending with XXXX on XX/XX/XXXX, so I contacted Citi on XX/XX/XXXX to request a refund for this overpayment via ACH to my checking account on file with Citi. 

I was told it would take 3-5 business days to process it. 


I did not get it so I contacted Citi again on XX/XX/XXXX, and I was told the refund would be initiated on XX/XX/XXXX, and I need to wait another 3 business days. 

I have done this ACH refund before and I know it usually won't take that long. I checked with Citi on XX/XX/XXXX, and I was told to wait for 3 business days. So I checked my checking account on XX/XX/XXXX, I still did not get the refund. I contacted citi again, and I was assured that I would get it on XX/XX/XXXX XXXX. 

On XX/XX/XXXX, i do not get the refund. I contacted Citi and I spoke with a supervisor about this issue. I was told that the refund request is still under review before it could be processed. I asked how long it would take for the review to be completed, but I was never given any definite information. 

On XX/XX/XXXX, I was told that Citi declined my request to refund my overpayment. 

I do not understand why Citi would not refund my overpayment since this is my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been violated and trespassed against pursuant to 15usc 1692d ; Harassed and oppressive use of XXXX of an alleged debt 15usc 1692e ; Using false and misleading representation 15usc 1692f ; unfair practices attempting to collect an alleged debt 15usc 1692c ( XXXX ) ; Communications without prior consent and many other violations including the truth in lending act and executive order XXXX ; Promoting the rule of law through transparency and fairness in civil administrative enforcement and adjudication. As a federally protected natural consumer, original creditor and principal on all accounts, I feel like this is an attempt to extort and rob me, personally, my family and my household. This is criminal activity at the least and is unacceptable. Each violation has a statutory cost of {$1000.00} and this does not include emotional distress, defamation of character, or any unseen injuries.
Product: Money transfer, virtual currency, or money service

Fraud occurred on my Business Bank Account at XXXXXXXX XXXX, An illegal wire was sent to Bank of America- Scammers Name where money was sent to XXXX XXXX XXXX XXXX XXXX FBI report was sent. This happened on XX/XX/2023 and recall wire was sent several times from XXXX XXXX. More than XXXX have gone by. The illegal wire was {$520000.00} after Hackers sent this and a recall was imitated by XXXX  ASAP within XXXX minute 's of happening. 

XXXX XXXX refused to pay money and is Stating BOA has to send money back. 90 days has passed and no respond from Bank of America to myself or to my Bank ( Branch Manager - XXXX XXXX XXXX XXXX. I have been forced to file Business and Personal XXXX XXXX Bankruptcy. I am trying to get an Attorney involved to take action from all of the Fraud. Bank of American has Neglected to fail to respond from a Hold Harness Letter from ( XXXXXXXX XXXX ) and from any recalls that have been sent since XX/XX/2023. 

Now I'm forced to take any action I can to get answers. I have called 100 of times and several transcript records are listed with both Banks of Dates called with no responds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to buy my new car and my new house but I realize I have damage on my credit reports, According to U.S.C 1681 Law there should not be any damages on my credit reports.
Product: Debt collection

Credit corporation is attempting to extort money from me because I am a XXXX XXXX living on a fixed income. The original creditor, XXXX, charged me for services that were never performed. The XXXX XXXX Jail paid the original creditor in full. The original creditor then billed my medicare insurance for services that were not received. Medicare paid the XXXX for the non existence services. This was Medicare fraud. Now the original creditor has turned the collection over to the Credit Control Corporation who is harassing me for {$2000.00}. I did n't sign any paperwork for medical services. Credit control corporation is conspiring with the original creditor to defraud and extort money from me.There is no proof that I owe any money because I did n't sign anything. XXXX. XXXX do n't pay hospital bills, The XXXX Sheriffs Office pays all XXXX medical bills. Collecting money from my Medicare insurance is a felony. Putting negative info on my credit report is extortion. I never received any medical care. I refused treatment. The bill was paid by the XXXX Sheriffs office and Medicare.
Product: Credit card

I did not get any of my questions answered from the original complaint filed as I am aware of the account that was opened XX/XX/year> and closed XX/XX/year>. The reason it was closed was because I received a letter stating that Capital One is closing the account with the words Capital One is closing this account because we don't do business in this manner. The document I am attaching is the original one that was sent to me from Capital One with inaccurate info from the last complaint. I never had an account sent to a collection office I have contacted XXXX XXXX XXXX and they have confirmed there was never an account with the last XXXX digits sent over to them for collections. I explained in my complaint that I have all the documents to show and there was identity theft and my personal info and name were used for financial gain from the courts, prosecutors office etc. As well as the convictions of the parties that were responsible. That is what Capital One was referencing when they closed the account and stated they do not do business in that manner. Basically I am being judged I really would like someone from the Corporate office to contact me because I feel as though no-one even looked into what I am saying and I was targeted as someone Capital One doesn't want to do business with and WHY? Capital One never saw the documents to prove what happened instead they are just saying something untrue and judging. I would like the opportunity to show the information I have without sending it over the internet. I have contacted my legislators office and was directed to respond accordingly. I would like a chance to explain this situation and appreciate the opportunity to discuss this matter with you before taking the next step. I am sure once this is looked into correctly you will handle it accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts on my credit report that doesn't belong to me. I have no knowledge of these accounts nor have I given anyone access to any of my personal information to obtain credit. These are being reporting to my credit report and don't belong to me. 


1 ) XXXX  XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX -opened XX/XX/XXXX amount {$300.00} 2 ) XXXX XXXX opened XX/XX/XXXX amount {$970.00} 3 ) XXXX XXXX opened XX/XX/XXXX amount {$340.00} 4 ) XXXX XXXX opened XX/XX/XXXX amount {$0.00} 5 ) XXXX  XXXX  opened XX/XX/XXXX amount {$4000.00} 6 ) XXXX XXXX opened XX/XX/XXXX amount {$25000.00} 7 ) XXXX XXXX XX/XX/XXXX Opened XX/XX/XXXX amount {$26000.00} 8 ) XXXX XXXX XXXX Opened XX/XX/XXXX amount {$26000.00} According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) you are required by Federal law to verify through the physical verification of the original signed consumer contract, any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email a fraudulent account.

I demand to see Verifiable Proof ( an original consumer contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately!
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised again. While reviewing my records, I noticed many items that do not belong to me. After thorough research, I discovered that under Section 605B of the FCRA, you are legally required to remove and block any items found to be opened due to identity theft. These disputed items are not mine. I am attaching the required FTC Report for your reference, as I have learned both parties require it. Please remove and block these items. 
XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I recieved an Email from the Department of Ed on XXXX That says that my loans are forgiven due to XXXX Tech closing down. They are on my credit report. I want them off as soon as possible.. They are hard to get ahold of by phone with ridiculous wait times and sometimes hang up on you.
Product: Debt collection

On XX/XX/XXXX I received a letter from I.Q. Data International , Inc, that indicates that I owe to XXXX XXXX XXXXXXXX XXXX ( XXXX  ), the amount of {$60000.00} and interest charge of {$1800.00}. I never have contact, applied, resided or rented from that company. I am owner of my house at XXXX XXXX XXXX XXXX, XXXX, VA XXXX where I live since XX/XX/XXXX ; therefore that debt is not mine. On XX/XX/XXXX my purse with my personal documents, including driver 's license, credit cards, and others were stolen from a vehicle, I contacted the XXXX Police that came to investigate the issue, also reports were made to FTC, credit card companies. Now, this debt shows in XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 


This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed. 

605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Midland Credit Management. XXXX XXXX XXXX XXXX Big XXXX XXXX XXXX XXXX MI, XXXX Account number : XXXX NAME : XXXX XXXX XXXX address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Midland Credit Manangement.

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following i nformation : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter. ( Multiple accounts and amounts same account number )
Product: Credit reporting, credit repair services, or other personal consumer reports

After two courts in Arkansas closed the lawsuit brought against me by XXXX XXXX, the last one being an adjudication in my favor because of Arkansas court procedures rule 41, I requested the three major credit bureaus to correct my file. This has still not been done  and the fallacious claim against me is still in my files. 
Please note that there is an item for collection from XXXX XXXX for {$1600.00}. I inquired XXXX about the origin and specifics of the amount and they could not provide any reasonable information of how they arrived at the amount, nor would they give me any logical accounting, history, or progression of alleged amount owed. 
XXXX since has filed two law suits against me. The first one was dismissed and closed in XXXX per order of the XXXX XXXX District Court ( XXXX XXXX, Arkansas ) and the final one was dismissed and closed in XXXX by the XXXX County Circuit Court ( XXXX XXXX, Arkansas ). The second dismissal was from a voluntarily dismissal from XXXX attorneys a few days after I responded to their suit. Under Arkansas law ( Rule 41 ), any voluntary dismissal operates as an adjudication [ regardless of the wording on the dismissal ] on the merits [ of the defendant ] when filed by a plaintiff [ XXXX ] who has once dismissed in any court of the United States or of any state an action based upon or including the same claim '' [ and it can not be refiled ]. Therefore, by law, there is no longer any basis for any claim that XXXX may have against me. The case has been adjudicated and closed by the XXXX County ( Arkansas ) Circuit Court, ruling in my favor. According to the State of Arkansas, there is no longer any basis of claim. This ruling has been upheld in another case by the United States Court of Appeals, XXXX District in XXXX ( XXXX XXXX XXXX XXXX, XXXX. vs. XXXX XXXX, XXXX ). XXXX claim should be stricken from all credit bureau records, as it has been from the Courts records. The complete documents can be viewed at : XXXX I am requesting the removal of both XXXX, XXXX.XXXX./XXXX XXXX and the XXXX, XXXX XXXX  alone ( since it is the same claim ), as this fallacious claim is damaging to my credit and reputation and the three credit bureaus are partially responsible for the damages.
Product: Credit reporting or other personal consumer reports

I have requested that the credit reporting agency correct my address and I was told I need to contact the credit company. I have contacted them and they have done that, but I believe it's the responsibility of the credit reporting agency to have correct up to date personal information on my credit profile and remove things that don't belong to me. So far they have failed to do so.
Product: Debt collection

I set up a XXXX with XXXX XXXX and agreed to pay {$150.00} setup fee for a years service. Upon set up, XXXX XXXX never disclosed there would be a {$230.00} filing fee with the State. However, XXXX XXXX took {$230.00} those filing funds from my credit card without my authorization. I no longer want or need XXXX XXXX service, and don't want to continue the service for an additional year. I have made this well known to XXXX XXXX on several occasions, and also filed a report with the XXXX, which they know about. There are several complaints registered on the XXXX  website, with the identical problem. XXXX XXXX wants me to file a report with the state of Nevada, to close my XXXX. Since XXXX XXXX registered the XXXX without my consent, then it is their responsibility to file the necessary paperwork at their expense to correct their mistake. I have been continually harassed by first XXXX XXXX and then collection agencies for {$150.00} renewal, which I don't want. XXXX XXXX needs to stop any further correspondence with me, repay the {$230.00} they took from my account with my authorization. XXXX XXXX to file any necessary paperwork at their expense to close the XXXX, which was never disclosed to me. In additional XXXX XXXX needs to stop their deceitful business practice, of not informing customers of all the fees required to start a XXXX with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been attempting to submit a dispute via the website and the phone but have not had any success. They make it extremely difficult. 

The debt collector is in violation of consumer rights under the FCRA. I currently have federal charges against the debt collector. 

Please see attached exhibit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX-Balance : $ XXXXDate Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX-Balance : $ XXXXDate Opened : XX/XX/XXXX XXXX-Balance : $ XXXXDate Opened:XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance : XXXX XXXXDate Opened : XX/XX/XXXX
Product: Vehicle loan or lease

Vehicle was involved in an auto accident XX/XX/2023 XXXX insurance company settled with XXXX XXXX for around {$10000.00} leaving around a {$7000.00} balance which should have been covered by XXXX insurance that I purchased and paid for. 
Claim # XXXX and contact person with XXXX XXXX XXXX XXXX. 
Account was sold to Westlake portfolio and they are calling and demanding payment for the {$7000.00} that the XXXX should have covered. It has also been applied to my credit report and shows the account delinquent for non payment.
Product: Credit card

I do business with a seller on XXXX on a regular basis and because I buy numerous items from this seller, he refunds me back the excess shipping fees. I was using PayPal to complete these transactions as PayPal was using my XXXX XXXX Credit Card to pay for these transactions. Starting in XX/XX/year>, it appears both PayPal and XXXX XXXX Credit Card have consipred to commit fraud against me as I stopped receiving the credits on my PayPal which should have shown up on my XXXX XXXX Credit Card as a Credit. The last transaction in which PayPal notified my XXXX XXXX Credit Card was back on XX/XX/year>, in which I received a credit in the amount of {$8.00} from PayPal & a credit in the amount of {$20.00} from PayPal with both credits showing on my XXXX XXXX Credit Card Statement dated XX/XX/year>. I have since received none of the credits showing on my PayPal Account which have recently been removed from my PayPal Account. Someone now has this money and both PayPal XXXX XXXX XXXX Credit Card have gone to great lengths to conceal and hide this money so the outside world would not see it. I feel I have been a vicitm of fraud and I have lost all trust in doing business with both PayPay and XXXX XXXX Credit Card. I could see this being some sort of business glitch if 1 or 2 transactions, but it is in fact 14 different transactions with a total of {$190.00} basically stolen from me in plain sight. If they both do this to a 100 different customers per day, then they could be stealing around {$20000.00} of peoples money per day without any real proof to support this theft of peoples money. When I contacted PayPal regarding this issue, they at first tried to deny that I had any credits on my PayPal Account. When I explained each of the 14 Transactions/Credits on my PayPal Account , they then claimed the money had been sent to my XXXX XXXX Credit Card XXXX When I contacted customer service at XXXX XXXX Credit Card, they were not showing any credits being submitted from PayPal between the dates of XX/XX/year>XXXX  to XX/XX/year>. When I contacted PayPal cusotmer service a second time, they advised me I could rquest a Tracer Request which would determine where this money was and I advised them to go ahead and perform a Tracer Request. I never received an email regarding this Tracer Request from PayPal and when I went to message them this fact is when I noticed my complaint had been closed by PayPal.