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

It is from XXXX XXXX, an online store that I have been a client for over five years. I was offered their credit card, I that was supposed to be free, and then I was told it could not be cancelled. I have been charged bogus fees because I never used it, or unlock it, so I have been charged fees for no service or purchase. I called them and I was told that to be able to cancel the card I had to pay XXXX dollars, which I did in XXXX, with the promise that I would never hear from them again. Now I was just sent another charge of XXXX dollars, because they say that when I cancelled the card I was 3 days due. For what? I was never informed that. I paid XXXX dollars in fees for no service, and no product. and now they are back to charge me another XXXX dollars? Total scam!!! Please help me.
Product: Credit card or prepaid card

Aspire Visa did not offer arbitration per our contract on disputed amounts and charges. They sold the debt to XXXX XXXX XXXX without resolving dispute.They are both reporting negative information on my credit bureaus in error making a double negative impact on my credit score.
Product: Debt collection

XXXX XXXX would withhold my money and were not truthful in relaying information as to why this happened. Finally when I asked them to close the account they didnt and eventually charged me even if they made it seem like this was ok. I would call and be redirected countless times as a tactic to get me to hang up.
Product: Debt collection

Walmart has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

im writing this complaint in regards of ongoing dispute between the bureaus. their elaborate mechanism to compromise my reputation is working!! I have been away from my family due to these accounts reporting on my credit without the consent to report and that is violation of the fair credit reporting act, as well as the truth in lending act. these corporations are taking a disadvantage of me. I refuse to wait another 30 days please help me resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX, has violati my nonta 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 XXXX XXXX XXXXXXXX. 
Closed on XX/XX/XXXX XXXX XXXX Opened XXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXXXXXXXXXXI do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I had some issues with my income being effected by the XXXX PANDEMIC SHUTDOWN. I was under the XXXX CARESAct, Pub. XXXX XXXX, section XXXX, codified at FCRA section XXXX ( a ) ( XXXX ) ( F ) ( i ) ( I ), XXXX XXXX XXXX ( a ) ( XXXX ) ( F ) ( i ) ( I ). I am requesting some accommodations so I cann protect the integrity of my credit file. XXXX XXXX # XXXX account is reporting a XXXX late payment on XXXX after I requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative 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 Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Bank account or service

I 've been a US Bank customer for many years. I 'm young and it 's still difficult to keep up with the changing methods and rules that the bank imposes on existing products. I was under the mistaken impression that the recent Reg E changes would prevent the bank from charging daily overdraft fees. What I find now is that they will charge an extended overdraft fee if your account is 7 days overdrawn. That 's a miserable thing to do but whatever, it 's {$25.00}. The deceptive part is in their notification of that fee. Once your account has been at a negative balance for 5 days they send you a letter to tell you in 2 days you will be charged a fee. Of course you ca n't possibly receive that notice in 2 days and the fee is already charged before you have an opportunity to bring your account positive. Giving someone a 0-2 days window before a fee will be charged is deceptive and unfair. I received my notice on XXXX XXXX to let me know that on XXXX XXXX a {$25.00} fee would be added to my account. Bear in mind this is after a US Bank autopayment overdrew the account ( and failed to make the minimum payment ). This practice would make it extremely difficult for someone to prevent this fee from being assessed. When I brought this up with the on-duty branch manager at the XXXX XXXX XXXX, XXXX, WA XXXX location, XXXX XXXX XXXX, she said since it was n't a " bank error '' she would n't reverse it. I asked did n't it seem like a deceptive act and she said no, this did not qualify under UDAAP.I asked how I could file a complaint with the bank she provided me the regular branch manager 's card with no additional information. I still do n't know how I can voice my concerns regarding this policy or practice with US Bank directly and XXXX XXXX was not at all concerned that I perceived my consumer rights to have been violated. In a single {$33.00} transaction ( which I had to set up or the account would charge a fee ) I ended up with a {$20.00} late fee ( because the {$33.00} was not enough to actually cover the payment, it pulled the " available balance '' instead of the payment perhaps due to an internal mapping error in their very old software ) and a {$25.00} " extended overdraft fee ''. Unbelievable.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a written direct dispute by XXXX XXXX, the consumer. This dispute concerns the accuracy and integrity of the information contained in my consumer report and pertains to account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a charged off balance of {$690.00}. I did not authorize or benefit from the creation of this account. This account was fraudulently opened using my personal identification information and I am requesting an immediate blocking of this information from being reported to my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6700.00}, {$9000.00}, {$14000.00}, {$7900.00}, {$30000.00}, {$11000.00}, {$200.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6700.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$14000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7900.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$30000.00} -This is not my account. 


-- CLOSED ACCOUNT 6. XXXX XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$200.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

The credit inquiries listed below are unauthorized and I have attempted multiple times to contact these companies directly, have them removed and haven't received a response. 

XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022 Transunion : XXXX / XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so tired knowing that my concern was not attended by Equifax!! I keep sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX   XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have disputing a DISMISSED bankruptcy since XX/XX/2020. It has only been verified by public record which ANYONE can place items in public record! The BK courts can no longer legally verify the information therefore it needs to be removed! Since the bureaus didn't respond to my first complaint I submitted another dispute with them on XX/XX/2020 and again on XX/XX/2020. This is uncalled for the lack of what the bureaus are REQUIRED to do!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX account # XXXX and Account XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

LVNV FUNDING LLP OR RESURGENT CAPITAL SERVICES have been trying to collect some debts that I do not recognize ; I have already disputed those debts, two that appear with a name that is not mine and one that does have my name. I have asked them for information, signed contracts that legitimize the debt and they have not been able to fulfill.
Product: Debt collection

I submitted a letter to Convergent XXXX  requesting that they validate and NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me with billing statements which does not prove that I am obligated to pay them anything. They have reported delinquent information to the credit bureaus that I am asking to be deleted.
Product: Credit card or prepaid card

On XX/XX/2023 the IRS accepted Form 1099-C, cancelling the credit card debt at Bank of America XXXX See attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX credit report it shows also know as XXXX, XXXX, XXXX, XXXX not me. 

It show Employer XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Have never worked for them Have worked for XXXX XXXX XXXX XXXX XXXX since XX/XX/XXXX Have never lived at XXXX XXXX XXXX XXXX XXXX UT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclays reported I was 30days late and I had a balance due.
Product: Student loan

Nelnet is rejecting my checks sending a statement as to why but the reason/reasons don't match or make sense. It looks like a computer is opening my payments and no one is verifying its accuracy. Please see attached.
Product: Credit reporting or other personal consumer reports

I've taken a look at my credit report, and I've noticed some fraudulent accounts listed. Please review the attached information for your reference.
Product: Money transfer, virtual currency, or money service

Dear PayPal Support Team, I am writing to submit a complaint regarding the permanent limitation of my PayPal account with the email address XXXX. I believe that this limitation was placed on my account by mistake, and I would like to request that PayPal re-investigate my case and restore my account if possible. 

Firstly, I would like to emphasize that I have not violated any PayPal policies. I have always used my account responsibly and have never engaged in any fraudulent or unauthorized activities. Therefore, I strongly believe that my account was limited in error and I request that PayPal thoroughly review my case. 

Secondly, the limitation of my account has caused significant inconvenience and distress, as it has affected my ability to receive and send payments. I am a law-abiding citizen, and I have always cooperated with PayPal 's policies and procedures. 

In light of the above, I kindly request that PayPal reconsiders the permanent limitation of my account and reinstates it if possible. I assure you that I am willing to comply with any additional requirements that PayPal may have, and I am committed to resolving any issues that may have led to this limitation. 

Thank you for taking the time to review my appeal. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

As always XXXX fraudulent account was disputed. This time it was finally removed as of XX/XX/year>. And then illegally Re-opened. I asked XXXX to remove and the fix the error. They refused. 

Not only did they fail to legally follow procedures in proper notification and paperwork directly to me of the account. The fact that it has been reported numerous times as fraudulent and proven so and then improperly investigated has been issue.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX BANK accounts listed in the XXXX report that XXXX attaching are results of identity theft. I have contacted the credit bureaus numerous times regarding this matter, and nothing has been done to remove these accounts. I'm attaching documentation in regard to this identity theft. I have requested that XXXX XXXX XXXX XXXX  provide the AGREEMENT and SIGNED AGREEMENT WITH MY LEGAL SIGNATURE to show full ownership of such an account and also other documents. XXXX has deleted this account from my credit report how is EXPERIAN able to validate the accuracy of this account ( WHICH THEY HAVENT ) and XXXX has acknowledged that the accounts are fraudulent, and it was opened due to identity theft. SEE attached DOCUMENTS of XXXX removal of XXXX ACCOUNTS along with the FTC REPORT REMOVE THIS ACCOUNT IMMEDIATELY THIS IS MY THIRD ATTEMPT CONTACTING EXPERIAN EVERYTHING IS BEING DOCUMENTED. ALSO, YALL ARE REQUESTING IDENTITIFICATION TO KEEP FROM REMOVING THIS ACCOUNT AND YALL HAVE MY ADDRESS CORRECT AND CURRENT ALONG WITH MY LICENSE AND SOCIAL SECURITY CARD SO DOES XXXX ITS LISTED IN THEIR OFFICIAL NOTICE AS WELL REMOVE THESE ACCOUNTS IMMEDIATELY AND STOP HARRASSING AN IDENTITY THEFT VICTIM.
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 Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX  Account 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: Prepaid card

I was given 2 Amex gift cards from my job, one for XXXX USD and the other for XXXX USD. I tried using them in multiple vendors including XXXX and XXXX. I have been unsuccessful in all of those cases. Whenever I tried to look at the balances for the cards it showed authorization holds for such vendors but nothing else. I was reading online that Amex gift cards end up having poor customer service and often people face long waits on hold without having their issues resolved. It's been suggested that I file a case since it tends to be more effective and responsive from Amex.
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 Account XXXX has violated my rights. Or 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 or other personal consumer reports

I have been trying to improve my credit and have worked with XXXX XXXX previously this year and now have been using XXXX XXXX to remove inacuracies. There are XXXX lines of collection accounts I have disputed with XXXX and XXXX directly along with XXXX XXXX on all 3 collections that are all from Midland Credit Management. I have requuested documentation and proof of debt on these collection accounts or that they were associated to me, each time each of the 3 collections are always updated saying consumer disputes and they verified information, but I never receive proof or information on the debt. They have never verified any infomration with me. I have never received anything from Midland Credit Management physically showing what it is they are trying to collect for. They also keep reporting all XXXX with new dates opened as if they are new. They will not send me proof of the debt. I have disputed as many times as I can through XXXX and XXXX, I can not dispute any more the information below is all I have from the credit reports. I have been disputing and requesting documentation from the beginning of this year XXXXIt has been way over 30 days for them to respond to anything. XXXX, XXXX, XX/XX/year> were the most recent disputes to no avail. 
XXXX ) {$1000.00} Midland Credit Management XXXX ) {$1500.00} Midland Credit management XXXX ) {$4200.00} midland Credit Management I am requesting they remove these line items immediately.
Product: Credit reporting or other personal consumer reports

I started a previous complaint on Experian credit reporting, they have an original account on my report from XXXX, this account was a charge off/collection. The ending balance was {$840.00}. This account was bought by XXXX XXXX XXXX and they are reporting it on my credit report at {$840.00}, thisis inaccurate. ive disputed this with Experian and I just received a letter from them asking me for my personal information, which makes no sense because they have that on the credit report my name my address my Social Security number I have sent them proof thats on my credit report that shows the information they have on my credit report is wrong and inaccurate, and this needs to be deleted from my credit report. I am attaching documents from Experian to show my proof.
Product: Debt collection

I sent a validation letter to Nation Credit Systems They did not respond back at all They are in validation could nor validate or send anything then i sent a 2nd letter to let them know and got nothing i have prof that they got the letters
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to 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.