23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I had a account with capital one in the past and I noticed few transactions from XXXX XXXX has been taking out of my account totaling around {$1800.00} and I disputing these transactions with capital one few years ago and yet they denied my claim and unable protect customers from fraud and rebilled my account .. if they dont open up a fraudulent investigation and Protect me from further fraud I will take legal actions against this bank. Like others customers that have did with XXXX transactions fraud .. once again my claim with XXXX XXXX payments were denied by the bank I called XXXX XXXX back in XXXX of XXXX and they close this fraudulent credit card in my favor and since I didnt apply for this account and removed it off my credit report..
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018, I sent Equifax several letters requesting that send me the results of an investigation, they completed involving inaccurate on my credit file. One response they sent back stated that the " Public Record was not reporting ''. The unauthorized inquires they stated they were " accurate '' and if I believed them not to be then I needed to contact the creditor. 1. I never received the information on how they verified as requested. Then I noticed that the public record was re-added to my file without notification. This is a clear violation of the FCRA and a blatant disregard for the law. I would like my file to updated and negative items be removed within 15 days.
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal information has been exposed in a national data breach. When reviewing my credit reports, I noticed some accounts, XXXX XXXX XXXX XXXXXXXX XXXX XXXX I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my personal information being exposed, I have submitted an FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national breach and a Validation of Debt Letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TRIED TO FIX THE PROBLEM SEVERAL TIMES, THE FOLLOWING ACCOUNTS ARE NOT MINE, I HAVE CONTACTED XXXX SEVERAL TIMES, THEY HAVE NOT PROVIDED ME WITH ANY SIGN CONTRACTS IN MY NAME OR ANY VALIDATION OF DEBTS, I HAVE BEEN A VICTIM OF IDENTITY THEFT, I AM ASKING THAT THE FOLLOWING ACCOUNS BE DELTED AND THE HARD UNAUTHORIZED INQUIRIES. 
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. 
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
Product: Credit card

Last year I shopped at Brooks Brothers in XXXX premium outlet. A store staff introduced me the club card. I told him that I do not want credit card. He told me it is only club card. I gave him my XXXX credit card for payment. After I went back to XXXX, I realize that payment was not made on my credit card. Later I received brooks brokers credit card bill. I went me XXXX, XXXX and XXXX, but none of the bank in XXXX can help me to make the payment. 3 month later, I finally got chance to go to XXXX premium outlet again, but store staff in brooks brother told me that they can not make sure the account came up on their system is mine. I made {$100.00} payment to try. Next statement I received, it shows the {$100.00} payment. However, I was too busy to go there again in a few months. A friend told me that I can make payment in a US post office. So I told one working day off to the States again to make the payment by mail with exact amount owing. However, before they received my payment, {$16.00} interest has occurred again. Till then I have made about {$120.00} payment just in interest. 2 month ago, I received new statement with about {$30.00} balance. Today I 'm in XXXX XXXX, I went to brooks brothers in XXXX, store staff can not look up my account, so they called for me, and figured my balance is {$100.00} including late fee. I never had chance to see the fine print of the credit card, but I never heard late fee on credit card but interest before. They could n't help me to make payment in XXXX XXXX premium outlet, but told me that I should be able to do that in XXXX palace. I went to brooks brothers store in XXXX, they ca n't pull up my account neither. If I mail the payment, I bet new interest will come out, and new late fees. This is fraud now. I called them, and they do n't want to help me. Please help me sort it out.
Product: Payday loan, title loan, or personal loan

I was the victim of target marketing as LOANME bombarded me and others in my region. 
The address where I live and my income would usually disqualify me from such a large loan with a large interest amount. 
Despite LOANMEs knowledge that they were targeting low income individuals with limited to no ability to keep the loan payment up to date and force default. 
All it took was one time for me to hear one of the deceptive ads on the radio look up the info online and realize it probably was not a good idea but that is all it took for LOANME to get enough data to hit me from all angles. 

I was advertised to in all areas of my life including but not limited to : Phone Calls Text Messages Radio TV Billboards Internet Streaming XXXX Ads Phone Ads Mailers All it took was one time  for me to hear one of the deceptive ads on the radio look up the info online and realize it probably was not a good idea but that is all it took for LOANME to get enough data to hit me from all angles.

Once I searched it LOANME knew. And continued to offer me the deals despite the fact I rejected the initial time I looked up the info. XXXX is one of many companies who sell information on what their end users are looking up. LOANME pays for this data.

LOANME knows that individuals such as myself who live check to check with low income and no higher education are susceptible
to hard times and will get desperate soon enough and when that time comes LOANME will be the first thing these individuals think of because of all the ads from everywhere. 

If it was just ads there would be nothing wrong with these marketing strategies, however LOANME bought data from various companies to get info on the low income individuals such as myself, so LOANME can then use that information to focus their marketing on those individuals. This is the definition of target marketing and predatory lending.

The loan was paid out to me despite the lender LOANME knowing that I would not be able to pay the terms and would be in default. 
The reason why I would not be able to pay was because the terms of the loan were outrageous and only in place to maximize the lenders earning potential at the expense of myself. 

I feel I was taken advantage of due to the lenders knowledge of my income and targeted marketing to my region. They know that individuals in my region also do not have high levels of education and they can abuse and impose unfair tactics to these people and take advantage of them due to lack of understanding the complicated loan stipulations and transactions.
Product: Debt collection

The original creditor is   XXXX   XXXX   XXXX  . I had a  XXXX  and   XXXX   XXXX    Store card  with them. I got behind on both accounts. They were both charged off.They were also both bought by  Portfolio Recovery. I go t a notice from  Portfolio recovery  on   XXXX   XXXX   XXXX    . I settled out for both of the debts. (  XXXX - {$300.00 } ) and (   XXXX   XXXX  - {$300.00} ). They both was settled after the charge off. However, i never received my reque sted letter that the debt was paid and they never reported differently on my credit report. I have a collection account with them now with minimum information. I would like both debts removed from all three credit bureaus due to violations of the Fair Debt Collection Practices Act and Violation of the Fair Credit Reporting Act. They are reporting different high balances on my reports. This is wrong. They also are not showing the full account number on my reports. The reporting activity dates are off and inaccurate. Please help me resolve this.
Product: Credit reporting or other personal consumer reports

Good day XXXX XXXX XXXX XXXX XXXX XXXX XXXX ct XXXX FL XXXX XXXX Last XXXX ss # XXXX I recently looked at my credit reports and I noticed you are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED. I have listed the account name and account number below along with that date you are reporting late, and those dates need to be changed to PAID AS AGREED. 
Account name : XXXX Account number : XXXX Dates reporting NOT Accurate : XX/XX/year> Please fix this immediately as it is hurting my chances of buying a new home and XXXX XXXX yrs old I have NEVER missed a PAYMENT EVER! 
these late payments are NOT Accurate. 
Thanks for your help, Sign Your Name
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 items XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX  XXXX Balance {$13000.00} ; XXXX XXXX XXXX XXXX XXXX {$19000.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, 2022.
Product: Credit reporting

I have advised Transunion by letter and a marked up credit report of phone numbers and addresses that are not mine also phone numbers that have never been mine and phone numbers that were mine and are no longer active for me.They continue to send me reports without deleting the information. Please help : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have never been my address XXXX XXXX XXXX was my parents ' address and then my mother 's address never mine XXXX XXXX XXXX, XXXX XXXX, with zipcode XXXX is incorrect and has never been my address and I want them all removed XXXX, XXXX, XXXX, XXXX, XXXX have never been my phone number and I want them removed XXXX, XXXX, XXXX, XXXX my brother 's phone number, XXXX, XXXX, XXXX all of these were at some time my phone number but are no longer The only phone number that is mine and is current is XXXX They have been contacted at least twice by mail and have not corrected the report. 
Any assistance you can provide is appreciated. 
Many thanks.
Product: Credit reporting or other personal consumer reports

hello my name is XXXX XXXX i filed a complaint XXXX complaint OPEN Submitted STATUS Submitted to the CFPB on XX/XX/2023 and have not been responded to yet so there for since the credit company have not got back me within the 30 days that they are legally required to they need to erase what i am disputing about off of my credit report an i also would like to be reimbursed for the losses that i have sustained due to improper credit reporting the info that they are reporting is inaccurate on each credit site and it has to be the same or removed i was just recently denied a car lone and loss my job due to the fact that i cant get to work i was working at XXXX was unable to get there due to be denied a car due to the collections on my credit report that are not even the same i will show proof below this has greatly affected me and my everyday life in ways unexplained please help i would also like to be reimburse for every collection that has been reported because i am aware that that it is illegal to report those as well and also XXXX is trying to charge me to view my credit report and i am aware that that is illegal as well
Product: Credit reporting, credit repair services, or other personal consumer reports

This bill has been paid and it still shows open with a balance and the creditors has not deleted it
Product: Debt collection

I was doing a little bit of research on my credit report and I noticed a reported agency call Medical Data Systems on my credit report, I have never did any type of business with any hospital or ever went to a hospital and if I did go to a medical business it would be my doctor which I have medical insurance to cover me so I know I would not be charged. I have never been to XXXX XXXX Medical Center in Florida I need this to be taken off my credit immediately this is not fair I have consumer rights and it 's being violated. I have tried to fix this problem with the credit bureau by disputing this account several times and tried contacting the Creditor and the hospital as well they told me that I have the right to dispute it I also filed a report and was issued a case number by the police department case number is XXXX XXXX County. My identification and Social Security was stolen a few years ago and I am a victim of identity theft and I need this to be taken off my credit report immediately on my XXXX and other. I have never done any type of surgery I do n't have any type of medical injuries or anything under the FRA I have rights. If this is not off my credit I will file charges with the district attorney office for Medical Data Systems. I have tried to fix this problem several times and they are violating my rights please have them remove this immediately off my credit report by deleting it permanently thank you and XXXX bless.
Product: Credit reporting or other personal consumer reports

I was asked to fax my proof of all payments to my account with synchrony bank acc end XXXX .so I asked faxed all bank statements for online payments and paper receipts from in store payments for the dates of XX/XX/XXXX through XX/XX/XXXX I faxed it to XXXX the fax number that I was provided with.an investigation was done the account was accurate after the investigation and then I started. Getting statements saying I have another balance the account has been closed since XX/XX/XXXX so should not have been no purchases and the account should be {$0.00}
Product: Debt collection

I have disputed an erroneous Ally Financial account on my credit reports for 8 Months. Ally Financial has failed to provide validation for this account that proves that this account belongs to me. 

Account Number : XXXX****
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report I noticed several injuries in which I requested removal. After several attempts to contact via letter and phone calls to the bureau directly there still has not been any changes. This is in direct violation of various consumer acts. Such wrong information has negatively impacted my credit score.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of accounts and inquiries listed below, as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information resulting from identity theft removed from my credit report.

Please find the details of the accounts I am disputing : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I asked Justice Federal Credit Union for a 10-99 C since they charged-off the debt and claimed it as a loss and they failed to do so. The information reported regarding the above-referenced account is inaccurate and incomplete. A charge-off is being reported without any corresponding issuance of a Form 10-99 C the creditor, which raises questions about the validity of the alleged charge-off. According to IRS regulations, when a creditor cancels a debt of {$600.00} or more, they are required to issue a Form XXXX to the debtor for tax reporting purposes. The absence of such a form suggests that no valid cancellation of debt has occurred, and thus the charge-off reporting be improper.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the start of the pandemic in 2020, I was laid off and unable to make credit card payments, car notes, rent, etc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX I reached out to the company a few months ago, alerting them of my situation about how Ive had my account for many years and never missed a payment up to this date except for the missed payments at the pandemic 's beginning. Once I recovered, I paid all my debts and stayed on top of my bills. Its coming up on two years of on-time payments. I contacted the company asking if they could remove the late payments from my credit report because they happened a few months before the company offered the option to defer payments They said no. That is the only reason I was able not to miss any more payments was because of that option until I recovered and found work and paid my debt in full.
Product: Credit reporting or other personal consumer reports

I just opened this card in XXXX, but never received the card in the mail. I called the credit card company to request a new card be sent because I never received the first XXXX. The credit card company said they were sending me a new card and were waiving all late fees. Once I got my credit card in the mail, I then made a credit card payment of my full balance minus the late fees because they said they were waiving the late fees. I even called a second time to make sure all of the late fees were being waived because it had been a couple months since I opened the account. They assured me they were waiving all late fees. Yet, then they reported a {$55.00} late fee as a missed payment to the credit bureau. Its the first missed payment that Ive had reported to the credit bureau in my 17 years of having a credit card. This late payment reporting reduced my credit score overnight by over XXXX points. I called the credit card company again after I saw this late payment posting, and they removed that late fee, but refused to remove the late payment reporting to the credit bureau.
Product: Debt collection

I have an unverified account from LVNV FUNDING. I had previously disputed this account. I have never done business with LVNV FUNDING. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that LVNV FUNDING provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request LVNV FUNDING Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting

I have contacted Experian regarding report # XXXX. Experian has removed all of the unauthorized inquiries except for XXXX : XXXX XXXX/XXXX/16, XXXX XXXX/XXXX/16, & XXXX XXXX XXXX XXXX/XXXX/16. 
Secondly the following account is not accurate : XXXX XXXX account # XXXX. In the comments section it states : Debt being paid through insurance. This item remained unchanged from our processing of your dispute in XXXX 2016. 
# 1 this XXXX XXXX account as I advised Experian should not be listed on my credit report. I only have an account with XXXX. XXXX, formerly known as XXXX XXXX. However, all of my Navient accounts are in good standing. The XXXX account listed on my credit report ( s ) includes this same account that is listed separately as a negative unpaid account. This is not true. This is not accurate. # 2 XXXX account # XXXX is listed on my credit report. I contacted Experian about this company as well. I do not have an account with XXXX, I only have an account with XXXX. And my XXXX account shows that. The annoying thing about this is that XXXX conducted an investigation and corrected this issue. Yet it remains on my Experian ... This makes no sense at all.
Product: Credit reporting or other personal consumer reports

TransUnion is reporting an allege account XXXX XXXX XXXX XXXX incorrectly. This account was not opened by me and I have previously submitted proof that I did not open this account and have since filed a lawsuit against XXXX XXXX for allowing the account to be opened. Do not add an identity theft alert to my report just remove the account from my consumer report or TransUnion will also be sued for violating my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a serious issue I have been facing with the credit bureaus. I have written multiple letters to the credit bureaus stating that I have been a victim of identity theft and that there are fraudulent accounts on my credit report. However, despite my repeated attempts, the credit bureaus have taken no action to investigate the matter or to delete the fraudulent accounts from my credit report. 

I believe that this inaction by the credit bureaus is a clear violation of the Fair Credit Reporting Act ( FCRA ) laws. The FCRA requires that credit bureaus investigate any disputes raised by consumers regarding information on their credit reports, and that they must take steps to correct any errors or remove any inaccurate or fraudulent information from the report. 

Given that the credit bureaus have failed to comply with the FCRA laws and have not taken any action to remove the fraudulent accounts from my credit report, I am now turning to the Consumer Financial Protection Bureau for help. I urge the CFPB to take immediate action to ensure that the credit bureaus comply with the FCRA laws and delete the fraudulent accounts from my credit report.
Product: Debt collection

Im a victim of identity theft I have no knowledge of these delinquient accounts! None of these companies listed on my credit report have my written consent to use my informtion. 
By the provisins of the FCRA Act and per the standard of reporting compliance implemented with the CRSA enacted XXXX XXXX XXXX Compliance regulations, I have the right to a fair and accurate credit report and you are required to remove any information that is not true, accurate, compliant and verifiable. I demaned that the above mentioned derogatory items be investigated and permanantly removed from my report!