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

On XX/XX/2021 I paid XXXX {$29.00} for cellphone service. The personnel failed to activate the cellphone. I called the store but I received no response. I submitted a complaint ( XXXX ) to the bank, Paypal.com ( netspend ). I received no response for quite a while so on XX/XX/2021 I requested a status update. On XX/XX/2021 Paypal responded that my issue was not considered an error pursuant to Regulation E. Today I accessed https : //www.consumer.ftc.gov/articles/0219-disputing-credit-card-charges and that website states that " The FCBA settlement procedures apply only to disputes about " billing errors. '' For example : charges for goods and services you didn't accept or that weren't delivered as agreed " I then decided to file this complaint. The name and address of the merchant is : XXXX XXXX XXXX XXXX XXXX Posted on XX/XX/2021 at XXXX XXXX  Debit : PIN purchase from XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NJ US Card ending in XXXX - {$29.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Hard Inquiry/Unverified on my behave. 
I recently checked my credit reports with XXXX, XXXX, Transunion. 
I have a Hard Inquiry from company : XXXX Hard Inquiry done on : XX/XX/2017 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY I mailed a letter to XXXX  Dispute center and to the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX have not yet received any return correspondence, at All.From neither companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$5900.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$49000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$47000.00}. 

If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter
Product: Credit reporting or other personal consumer reports

I disputed this account and I believe my information was stolen and a credit card was issued. The company is saying that I am not an authorized user or customer. I have never been a customer and the information they have is by way of fraud and stolen information. I have changed my name and I have never tried to be a customer of Capitol One. I completely detest the company for its practices and they have damaged me behind fraudulently saying I am or have been their customer.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

USAA Savings Bank has placed restrictions on my account which will not allow me to transfer funds FROM my account to another institution and they are placing 7 day holds on funds which they have received that were transferred out of another account. 
They are placing holds on my account and returning checks as insufficient funds ( NSF ) after they have the funds which were transferred from another financial institution and charging me {$29.00} for each NSF. 
On XX/XX/2021, using the USAA app, I transferred funds from my linked account with XXXX XXXX to my USAA checking account. The funds were withdrawn from XXXX XXXX on XX/XX/2021, as of XX/XX/2021 USAA still shows a hold on the funds and has returned checks ( NSF 'd ) which were written from my USAA checking account. 
This has occurred on XXXX different occasions.
Product: Debt collection

I keep receiving letters from Allied International Credit Corp. indicating I have an unpaid debt with XXXX. I have made several calls to XXXX who verified with me multiple times that that amount has already been paid.
Product: Credit reporting or other personal consumer reports

These inquiries are totally illegal thats why i froze my report. Please remove. 

Equifax XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX CRED XX/XX/year> Please remove these illegal inquiries off my report.
Product: Debt collection

Resurrection of a settled debt filed in the courthouse, XXXX XXXX 2015 by XXXX XXXX XXXX, XXXX Ks, seeking restitution more than 7 years later after their client collected said property, and issued and filed a memo stating the debt was settled in full. Stating in writing more than 7 years later that they made a mistake and now want to re-open the settled account and collect with interest. Double jeopardy, tried to explain in court to the judge, found the settlement papers were missing from the courthouse files and had to get an Attorney to get them to acknowledge that we had the papers in our possession. Still declined that the papers were valid, as XXXX and the XXXX said it was their right to renege on the agreement. Its too much like the XXXX case. It smells of fraud.
Product: Student loan

XX/XX/2023 - I spoke with my account manager, XXXX XXXX, regarding income and expenses. He seemed shocked at the amount that my wife and I spend on groceries in a month and after reviewing my finances, he asked me if I would be willing to " cut back '' my expenses or if I had a wealthy relative who would be willing to help out with expenses. His tone was judgmental and condescending. I have no control over the fact that my monthly expenses have increased substantially with the massive increase in inflation and corporate greed. I asked to speak with another representative and was placed on hold. 

XX/XX/2023 - I received a notification from my sister in law that XXXX attempted to contact her as well as her father. I have spoken to her father maybe 5 times in my entire life, so for Sallie Mae to call him in an attempt to reach me seems like a breach of my privacy. 

XX/XX/2023 - I called Sallie Mae again and spoke with XXXX XXXX. She informed that there would be repayment plans available, but because my debt to income ratio is too high, they can not approve a plan until I am able to show that I can repay the debt. I thought the purpose of a repayment plan was to repay the debt. They would not give me any further information about repayment plans unless I was able to show them that I would somehow have additional income or would lower my expenses.
Product: Debt collection

I decided to get copies of all three of my credit reports on XX/XX/XXXX. After reviewing all three copies I noticed on XXXX of them that there was a collection account. The collection account is listed as XXXX XXXX XXXX is the amount of {$490.00} I have checked and searched profusely to try and find any bills or records that support this claim but to no avail. I realize now that this is the same account that I have disputed several times twice in XXXX. The first dispute was in XXXX of XXXX and the second one was in XXXX of XXXX. 
After the disputes I received emails stating that the listed accounts are accurate with no change in the listing. I have yet to receive any proof with my name, address social, etc. I would like to have this negative information removed completely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to dispute all the accounts on my experian, XXXX, and XXXX credit report. They have multiple addresses under my name and I only lived at 1. They also have multiple names on my account with a middle starting with an XXXX  and mine start with an XXXX. They have accounts on my credit stating still being open when I know they were closed. Also I can see a lot of hard inquiries that I have no idea who the person or company is.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Date opened Balance Status XX/XX/year> {$29000.00} Open. 

According to 15 USC 1666b late payments must be removed from my credit report
Product: Credit card or prepaid card

I applied for a Capital One XXXX card in XXXX of this year and the card was shipped to me on XX/XX/XXXX of this year. I was approved for {$1000.00} limit. When I received the card in XXXX, Account Number XXXX XXXX XXXX XXXX, I used it for {$120.00} in purchases and then I tried to use it and it was denied. I called Capital One and they said the card was issued in error and they would send me a letter explaining what happened. 

I never got the letter. I have repeatedly called Capital One and have been told a letter was sent, it was not. I have tried repeatedly to access my account online but did not succeed until today XX/XX/2018. 

I applied for an account in good faith and an account was opened and submitted to all three credit reporting agencies. I have made a payment of {$60.00} today, which includes a late fee even though Capital One blocked my access to their online application and I could not make a payment before today. 

Capital One says the account was opened in error, it was not any error on my part and it should not be my problem. The account is now part of my credit history and it is paid, the card should be available to use, I have done nothing to deserve otherwise.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint on XX/XX/2022. XXXX responded on XX/XX/2022 stating that " Permissable purpose for the credit reporting inquiries cited is provided at the time of account registration to provide you with a better credit karma experience ''. These inquiries have no adverse impact on your XXXX XXXX '' I DID NOT authorize this " finance platform '' to pull my credit!!! This is an act of credit abuse. Stating that pulling my credit via " soft '' inquiries suggest doesn't impact my XXXX XXXX suggest unauthorized permission and still violates my consumer rights! 

The company has not provided to me in writing proof that I authorized the pulling of my credit via " checking my credit '' I DO NOT use services via credit karma!
Product: Student loan

Navient has created a false account under my name with an address that I have never lived, They have been reporting inaccurate & incorrect information on my credit file. and has been adding ridiculous fees & interest of {$200.00} to XXXX every month.
Product: Payday loan, title loan, or personal loan

I was supposed to come in and make my payment on XX/XX/XXXX. I did forget to make the payment. Tower loan proceeded to pull a skip tracing report on me and contacted my biological mother whom I have not spoken to in 30 plus years ( she abandoned me when I was XXXX ) This was followed up by the biological mother locating me and contacting me via XXXX. The distress this caused me was uncalled for, the company did not contact my cell phone only my work phone ( I was gone for the day ). I called the company and spoke with XXXX. XXXX admitted she did make the call. I asked why did she not call my cell phone ( no missed calls or voice messages ) She did not have an answer to this but only stated " She was doing her job ''
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX XXXX XXXXs reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation XXXX Debt. XXXX, XXXX, XXXX  and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of XXXX XXXX ss XXXX Returns Relating to XXXX Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : XXXX XXXX AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT   XXXX   XXXX   SEVERAL CERTIFIED LETTERS. THE LAST ONE I SENT WHICH WAS  XXXX / XXXX / 17  (  2  MOTHS AGO ) I SPECIFICALLY STATED TO PROVIDE ME WITH THE RECORDS AND DOCUMENTATION THEY USED TO VERIFY THE NEGATIVE AND BOGUS INFORMATION AS ACCURATE UNDER THE DISPUTE MADE WITH THE CREDIT BUREAUS. I ALSO WENT INTO THE BRANCH WHERE OBTAINED THE LOAN AND THEY DIDNT HAVE ANY RECORDS/STATEMENTS TO GIVE ME!!!! I NEEDED TO SEE MY CONTRACT FOR THE TERMS AND CONDITION, LENGTH OF THE LOAN ETC ALSO MY PAY HISTORY BUT OF COURSE NEITHER HEADQUARTERS OR BRANCH COULDNT PROVIDE ME ANYTHING BUT STILL REPORTING FALSE INFO TO THESE CREDIT BUREAUS WHICH IS HURTING ME MENTALLY, PHYISCALLY AND FINANCIALLY!!!   I HAVE ATTACHED THE CREDIT REPORT FROM EXPERIAN AND  XXXX .  XXXX   XXXX  STATED THAT MY REMAINING BALANCE IS {$710.00}. IF I PAID {$83.00} ON TIME FOR  XXXX  &  XXXX  THE BALANCE IS ABOUT {$660.00}. I NEED THIS ACCOUNT INVESTIGATED ALONG WITH MY CONTRACT, PAY HISTORY AND TERMS ASAP!!!! PLEASE DO NOT SEND ME ANY FALSE INFORMATION!!!   THIS IS THE LAST TIME I WILL BE ASKING TO HAVE THIS ACCOUNT REMOVE FROM ALL  XXXX  CREDIT BUREAUS. MY NEXT STEP IS SUING ACCORDING TO FCRA!!!!
Product: Credit reporting or other personal consumer reports

Hello I am a victim of identity theft, I have no recognition regarding these fraudulent accounts. As I was looking over my consumer report, I noticed all these accounts that were not mine. I rarely check my credit report and now Im noticing all of these fraudulent accounts. I even hired an attorney to help me with this process.
Product: Credit reporting, credit repair services, or other personal consumer reports

My arrival plus XXXX XXXX XXXX XXXX # : XXXX is lost/stolen and some of the charges on the account are fraudulent charges/transactions.
Product: Credit reporting or other personal consumer reports

Today, I checked my credit report and noticed that there's an inquiry that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report, it is stressing me out and making me XXXX
Product: Debt collection

I was contacted by Ability recovery services and made arrangements to pay them .I did set up payments to come out of my account on both bills, Then I called agin and left a message that I would be making payments of a different amount on the XXXX of XXXX not the second. I did make the payments on XX/XX/XXXX. On XX/XX/XXXX they took XXXX dollars from my account and said it was a arrangement. I told them I made the payments So why are you Taking more money. They told me there was nothing I could do. So I had to block my card. The lady name is XXXX who I talk with. This has been a nightmare for me. I am willing to pay them but do not want them taking money from me.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. XXXX U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX 2. The following personal information is incorrect Account Number : CURRENT ADDRESS : XX/XX/XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX 5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 
6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
7. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, VA XXXX Date Updated : XX/XX/XXXX 8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Date Updated : XX/XX/XXXX 9. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, VA XXXX Date Updated : XX/XX/XXXX 10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, VA XXXX 11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX 12. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account.
Product: Checking or savings account

I opened a TD account under a promotion for {$300.00} for {$2500.00} in direct deposits. I somehow clicked the submit button twice, and accidentally opened two accounts. I messaged the bank to say " hey, I accidentally opened two accounts, can I only have one account ''. 

My online banking stopped working after that. I called the bank, and they placed a fraud review on the account ( without messaging me or informing me ). The account is being closed against my will - but they still accepted my direct deposits. Apparently, I can only get said money by going in branch or by sending a notarized letter. I am in XXXX  XXXX  in XXXX, but my permanent address is in XXXX. The nearest branch is 1000+ miles away. 

So I met the terms of the promotion ( my $ XXXX/month of direct deposits did get deposited ), and they should have paid out {$300.00}, but instead, TD is just holding {$3300.00} of my money and closing the account.
Product: Credit reporting

After multiple letters and phone call these inquiries and accounts are still not deleted, need info deleted from credit bureu. 
Please delete inquiries I did not approve or have account with these companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

My Lease was for 39 months, XXXX miles for a XXXX XXXX XXXX. It started on XXXX XXXX. I turned it in in order to purchase a new XXXX XXXX on XX/XX/XXXX. It was at XXXX miles and normal wear and tear. Despite this I was informed I had to pay for the wear and tear, approximately {$700.00}. I was able to talk it down to approx {$300.00}. However, it was a compromise and I should not have had to pay anything per my contract.