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

I have no idea what is going on here, XXXX XXXX XXXX XXXX is reported Repossession on my XXXX  credit report and 30 days late on Transunion ? This is all a big mistake! XXXX  doesn't even report this false accusation.. This has been illegally reported on my credit report..Therefore I am now filing this complaint and request a method of verification pursuant to the FCRA, including the name of the person with whom you spoke who has firsthand knowledge of the account in question.. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's Office, should you continue reporting this erroneous item
Product: Debt collection

Failed to prove the debt is owned by the company, XXXX XXXX PORTFOLIO RECOVERY ASSOCIATES
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information is being shared and displayed as factual without my verification or permission ( 15 U.S. Code 1681b ) XXXX XXXXXXXX ( XXXX XXXX. XXXX ) As a consumer, I am writing to inform you that I am revoking any and all consent to you, as consumer reporting agencies, to furnish my personal information. This is in accordance with the Fair Credit Reporting Act ( 15 USC 1681 ) and the policy of XXXX ( 15 USC 6801 ) to respect the privacy of consumers and protect their confidential information. 

I have the right to make sure my private information is not shared without my written consent, and I have not given such consent. Furthermore, I have not been informed of my right to exercise my nondisclosure option under 15 USC 6802 ( b ) ( c ). The account you are reporting is an adverse item and is being reported without my permission, which is against the law ( 15 U.S. Code 1681c ( a ) ( 5 ) ).

I am also requesting that you maintain reasonable procedures, as required by 15 U.S. Code 1681e, to avoid reporting inaccuracies and limit the furnishing of my information to authorized purposes.

Considering the above, I am exercising my right to opt out of your reporting services, as per 12 CFR 1016.7. I request that you take immediate action to remove my information from your records.

Thank you for your understanding and cooperation.
Product: Money transfer, virtual currency, or money service

PayPal and Venmo limited my account so I could not use it. They limited it without and warning or notice something was wrong with my account. I have been a faithful customer for years and used the services appropriately and within their user agreement. I have been trying to find any information that my account may have been compromised but after multiple emails, phone calls and support chats they have refused to give me any information on what actions in my account may have caused the limitations. All this to say it reflects poorly on me when I cant use these services and my friends cant send me any money for when we are out together and someone needs help paying or to split a check.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breachOF EQUIFAX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. I am also attaching proof that I was a victim of the Equifax data breach, and I kindly request that this information be considered as part of my claim. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX Please find enclosed the following documents to support my claim :. I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I am very upset having to do this for the second time. I sent a letter letter regarding inaccurate information on my credit report which resulted in my credit score dropping 134 points and still till this day 45 days later I have still yet to hear from the credit bruros. I know my rights the credit bruros have 30 days to reply or delete the invalid information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well I discovered that a credit card was being used without my knowledge for a long period of time and it showed up on my credit report and I have never dealt with this company before but its being paid on time but from the income I bring in its showing my credit card use is at its max unsuccessful to get in the account cause I dont have the username or password and I want it removed from my credit report cause that card does not belong to me
Product: Credit card

A credit card was opened under my name with Capital One - I did not open this account/it was not me. 
Capital One closed the account and I have frozen my account through XXXX and notified the credit bureau.
Product: Student loan

Even after correcting past incorrectly applied payments in response to an earlier complaint to CFPB, Navient continues to apply payments to the wrong loan when the payment amount and loan number are clearly indicated on the payment slip. The company then charges late fees on the loans for which they did not apply the payment as indicated on the payment slip. Telephone representatives refuse to correct the errors.
Product: Credit card or prepaid card

On XXXX XX/XX/2023 I received a credit card from XXXX XXXX XXXX that I didn't order. I called XXXX  to let them know and they told me I had to physically go to a branch office and they would take care of it. I made an appointment for Monday XXXX XXXX at the local office. On Monday, I received a letter from XXXX  the card was suspended for fraudulent activity, even though I didn't activate it. The bank employee told me that the card was applied for on XXXX XXXX, and their application had my correct social security number and telephone number. For an email address they used my husband 's email. The only way I think my information could have been accessed was I filled out an application with M1 Finance to open an IRA for tax purposes, but decided not to continue the process after completing the application. I have since put a freeze on all three major credit companies ( XXXX, XXXX, and XXXX. I left all the paperwork ( including the credit card ) at XXXX XXXX XXXX for them to destroy.
Product: Vehicle loan or lease

Currently having problems with global lending services trying to locate the other drivers girlfriend I guess that who owned the red XXXX that the other driver did not give me the right of way and he did nit stop or see me as I crossed so I could not avoid but to hit him and the air bags did not deploy even though this accident was a low impact crash. The police report is totally in accurate not to mention the XXXX XXXX soul exclaim I had also had 3 recall notices one for the air bags 2 others for the anti theft mechanism and the auto locks via the key fob also although I was going to add on the collision part of my insurance that month of XXXX I only had liability but I had gap insurance via XXXX XXXX XXXX. I still feel the other drivers girlfriends insurance company progressive insurance who XXXX XXXX the total loss consult of my car finance company global lending services is going after. The case no is XXXX. Her telephone no is XXXX XXXX. She has all documents including the 3 recall notices and screwed up police report. The XXXX no to the XXXX XXXX XXXX  is XXXX. Hope you can include me in the class action law suit against XXXX XXXX XXXX and since these screwed up XXXX XXXX XXXX nv police I'm having a hard time suing them as well I need all the justice I can get plus I still owe XXXX XXXX dollars for this un safe car Thank you for assisting me
Product: Credit reporting or other personal consumer reports

Experian account XXXX disputed as inaccurate dispute came back as nothing will deleted or changed infact i filed a complaint with the cfpb and nothing was changed in the photo docs below u will see all the inaccurate reporting from the three credit bureos, ive marked the discrepancy between all three bureos experian reports a collection account as open with monthly terms like a credit card and reports it late monthly so it re ages account to be more damaging i have no contract with this account with anyone ..the accounts .amounts, dates and statis are all diffrent
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reported to the credit bureaus regarding an alleged late payment on my account for XX/XX/XXXX which I firmly contest as being falsely reported. Discover Bank failed to provide me with the statement that was mailed to me XXXX  days before the due date. 
Under the Fair Credit Reporting Act ( FCRA ), creditors and debt XXXX are required to report accurate information to the credit bureaus, including payment history. As a consumer, I have the right to receive accurate and timely statements related to my payments. 
The law that refers to the XXXX rule for billing statements is part of the Credit Card Accountability Responsibility and Disclosure Act of XXXX ( CARD Act ). Under this act, credit card issuers are required to send a billing statement at least XXXX  days before the payment due date.
Product: Debt collection

XXXX XXXX has been contacted several times that the collection account that has been reported to the credit bureaus are fraudulent and I want it removed from my credit report.
Product: Checking or savings account

In XX/XX/1986 my husband and I purchased three ( 3 ) IRA 's from Citibank in XXXX, XXXX XXXX. At that time, we placed information about them in a home security box and forgot about them. We knew they were for retirement which was many years away. We were busy working and raising a family and retirement was not on our minds. During a recent move from XXXX XXXX state to XXXX XXXX, I had to access the box and found them tucked away. They had remained undiscovered all these years. Again, neither my husband nor I had remembered we purchased them and had, in fact, completely forgotten we had them. The information I have attached is the only information I have regarding these 3 IRA 's. 

I have contacted Citibank and the attached correspondence is self-explanatory. I have reiterated to Citibank that I have no other paperwork regarding these accounts. We have statements from XX/XX/1986, but nothing after that time. Even though I have told them repeatedly I have nothing else, they keep insisting they need " statement '' or " passbook '' showing the accounts were active within the last seven years. The only information I have is from XX/XX/1986. 

I'm terribly frustrated by Citibank and their reluctance to do whatever they can to find these accounts. We purchased these IRA 's so that we would have funds for retirement. Citibank got our money. I want to know what happened to it.
Product: Credit reporting or other personal consumer reports

I've observed several deviations from mandatory reporting standards, which cast doubt on the accuracy and completeness of the data in my report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information in my credit report.

In accordance with 15 U.S.C 1681e, consumer reporting agencies must employ reasonable procedures to ensure the utmost accuracy of information in consumer reports. Furthermore, 12 CFR Part 1022 ( Regulation V ) mandates furnishers to provide information about consumer accounts with integrity and accuracy. This includes conducting reasonable investigations into consumer disputes, as outlined in the Consumer Reporting Resource Guide ( CRRG ) and adhering to Metro 2 compliance standards. 

Deviation from these standards, as emphasized in the CRRG, jeopardizes the integrity of the data, potentially compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to contest these inaccuracies and non-compliant items. Ignoring my demand would indicate a disregard for my consumer rights. 

It is unjust for you to report unconfirmed and ethically questionable information that does not meet certified reporting standards. I challenge these claims and request evidence of proper reporting standards. Your violation of my rights is documented in this communication, citing concerns about incomplete and non-compliant reporting.
Product: Debt collection

They have reported the wrong information from the beginning. They had the wrong amount reported. I went directly to the apartment complex that the debt was owed to and paid them the correct amount. On XXXX XXXX I sent them a copy of the letter showing the debt was paid. They contacted me XXXX XXXX saying I was responsible for paying by the end of the month. Once I explained everything XXXX XXXX stated she saw where the information was received and they will verify its validity. At this point I had already filled a complaint on the XXXX. XXXX XXXX comes back and tells me no record of the information was received after I told her it was sent to a XXXX XXXX. I forward the email to her and magically they received it. There has still been nothing done. I want this resolved. It is getting extremely annoying that it has taken over a month for something to be done.
Product: Checking or savings account

Someone took my wallet and put a fake check into in back account. multiply time
Product: Credit card or prepaid card

I want to open a complaint against American Express for breach of contract. 
American Express allows customers as it is advertised, to transfer American Express points to a number of other airline partners ; XXXX of these partners is XXXX XXXX XXXX ( XXXX ). However, I have been denied the ability to enjoy this benefit because I was given XXXX last names at birth as a XXXX XXXX  descendant. I believe this constitutes a type of discrimination against minority communities. 

Both companies Amex and XXXX have confirmed that a total of XXXX transactions were attempted to transfer from American Express to XXXX for XXXX miles ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. According to XXXX the registered name that American Express showed is XXXX as the last name and XXXX as the first name when the transfer is initiated. In this sense, I have provided American Express with my full name as it appears on my passport, however, according to XXXX whenever a transfer of points is initiated Amex only send to them " XXXX XXXX '' causing XXXX system to reject the transaction due to name mismatch. 

My full given name is " XXXX XXXX '' and XXXX last name " XXXX XXXX ''. Despite trying to work with Amex to fix this situation they have been unable to offer XXXX. I have not been able to use my Amex points with XXXX to buy my airline ticket, excluding me from using their service, on the other hand, other customers don't have this issue. 

I don't understand why Amex systems when a points transfer is initiated is not sending to the airline partner my full XXXX last names " XXXX XXXX '' as it should be and choose to assign me only XXXX last name. 

In this sense, the only solution I can think of is to buy the airline ticket using cash, however, I believe Amex should accept the responsibility that their inability to offer a solution is what caused me to pay cash for this ticket when I would have used my points like all other customers have the opportunity to do as long as you are given XXXX last name at birth, in this sense, this constitutes financial damage.
Product: Credit reporting or other personal consumer reports

Based on contacting XXXX ten times, I believe this company has been hijacked. This is not a joke. 
Information about 4-5 accounts is incorrect, should have been deleted or adjustments haven't been made since XX/XX/2023. 
My last encounter began with giving all of my personal identifying information including my SS number to the automated system, a female voice answers and requests my email address, I give the email address and no one is on the line. I ask is someone there 3-4 times, hold on for one minute then the line is disconnected. 
That is all the information needed to steal someone's identity. 
I called back, this time spoke with a customer service representative and before she could say anything I requested a XXXX, manager on duty. She said hold on, I asked her where was she located, she said XXXX XXXX, with a XXXX  accent. I was put on hold for 20 minutes, then I hung up. 
Before the last two calls, I called to complain about my report. There was a collection agency that I worked out a closure. The account is no longer on XXXX or XXXX, but it remains on XXXX. The conversation with the unprofessional representative got heated as his personality got involved with my complaints. This call was outsourced to the XXXX. 
The rudeness along with all of my identifying information makes me very vulnerable. I need help. Please find out what is going on with XXXX. I would like my information and account cleared out of their platform. 
Can your agency help?
Product: Checking or savings account

I was called either from a real Wells Fargo employee or someone posing as one. He told me my XXXX account had pending charges on it " which it did without my knowledge ''. He said my account was compromised and to call XXXX. A representative from XXXX would help me fix my account. So i spent a long time with this '' XXXX XXXX employee scammer but he couldnt fix it. so he instructed me to go to XXXX with a barcode he sent me and have them scan it and enter a code. " which was XXXX ''. So i was stolen from and Wells fargo or XXXX is not returning my money.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I FOUND NUMEROUS INQUIRIES FROM CREDITORS WHO I DID NOT GIVE MY PERMISSION TO PULL MY CREDIT REPORT. THESE INQUIRES ARE FRAUDULENT. PLEASE REMOVE THESE FRAUDULENT INQUIRES FROM MY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 writing to dispute several inaccuracies I have discovered on my credit report issued by your agency. Upon review, I have identified the following issues that require immediate correction : Unauthorized Hard Inquiries : I have noticed hard inquiries on my credit report that I did not authorize. I request that you promptly investigate and remove these unauthorized inquiries from my report. 

Inaccurate Reporting of Late Payments : Some accounts on my credit report are showing late payments that I believe are incorrect. These late payments were either reported in error or have been resolved. I request that you investigate these accounts and correct any inaccuracies. 

Unverified Debts : I have found certain debts on my credit report that I do not recognize. Please provide proper validation and verification of these debts, including details of the original creditor, the amount owed, and the date of occurrence. If you are unable to verify these debts, I request that they be removed from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have inaccurate information corrected or removed from my credit report. I request that you conduct a thorough investigation of these matters and provide me with written confirmation of the actions taken. 

Please respond to this dispute at your earliest convenience, and I expect timely corrections to be made. If these issues are not resolved promptly, I am prepared to pursue legal remedies. 

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

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

My payment came due on XX/XX/2021, on XX/XX/2021 I was contacted by XXXX main the agent calling ( a woman XXXX said if I scheduled my payment on line or over the phone with her I would not be contacted again. After I got off the phone with the lady I went on the website and scheduled my payment for XXXX for {$330.00} which is the amount showing past due their website. On XXXX XXXX main called my cell phone at XXXX pm and XXXX pm according to their records, they didn't leave a message and then called my employer at XXXX pm on XXXX. When I received the message from my employer I returned the call to XXXX main and after being transfer once I spoke to XXXX. I advised XXXX when I completed the loan application I requested to not be contacted at work, as this isn't allowed and against company policy. I was assured during the loan process they would not contact my employer. XXXX then explained they were calling because a late fee would be assessed on XXXX bringing my past due amount to {$350.00}, I had only scheduled a payment for {$330.00} as that is what the lady advised I needed to pay back on XXXX when I set up the arrangement for the past due amount. I advised XXXX he cant contact me at my place of employment and inquired as to why they were calling when I had a payment already scheduled to come out of my account on XXXX, at which time he advised because as of XXXX the amount would be {$350.00} ( includes a late fee ) vs the {$330.00} that I was originally told to pay. I don't understand why they are calling me to collect a late fee that hasn't even posted to my account yet, especially when I communicated to them and had a payment schedule on line already to take care of the past due balance.
Product: Credit reporting or other personal consumer reports

accounts reporting not mine need to be deleted and accounts with inaccurate balances, information, addresses and names and nobody help me to get corrected on my consumer report.
Product: Credit card or prepaid card

Last year we after clicking on an ad about a work from home opportunity we didnt realize that we were being sucked into an online business scam costing us now over {$16000.00}. It started with a simple {$97.00} fee claiming that we would begin making money immediately. That has not been the case, we have been strung along charged more and more money all for nothing. These companies should not be allowed to take credit cards and we want these charges immediately disputed and returned to us. They have not performed and deceptively took our payments under false and misleading pretenses. While Discover says we only have 60 days to raise a claim we have found information online that says otherwise. We would like to see the following charges refunded. Thank you. 

XX/XX/19 {$97.00} by XXXX XXXX XX/XX/19 {$64.00} by XXXX XXXX