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

I hope this message finds you well. I am writing to address a significant issue regarding inaccuracies in my credit report. Upon recent review, I discovered several instances of incorrectly reported late payments on my accounts, which I would like to dispute. I kindly request your immediate assistance in correcting or removing these inaccuracies from my credit report.Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. These discrepancies are due to an error and require your immediate intervention for rectification. The company associated with these accounts have confirmed the errors during my telephone conversations with them and assured me of their commitment to correcting my accounts. 

Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to correct or remove this information from my credit report. If you require any supporting documents or additional information to expedite this process, please let me know.
Product: Credit reporting or other personal consumer reports

This is to inform you that you have failed to maintain fair and accurate credit reporting which is a total disgrace. I know my rights as a consumer and the Fair Credit Reporting Act 602. Congressional findings and statement of purpose ( 4 ) clearly state that there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I have been sending out dispute letters for months now to get these deleted and removed from my credit report but you keep on insisting that you have verified the information without sending me any proof of what methods you have used to verify them. This is frustrating because your company is not following the guidelines regulated to you by the Fair Credit Reporting Act.
Product: Credit card or prepaid card

I had a {$100.00} prepaid gift card that shows the website XXXX It appears to be a US Bank National Association card. When I tried to use my first card it would not work so the company said they would issue a new card which they did. I then tried to use the replacement card in several places and was told that it would not work. I recently tried to use it but since it would not work I had to give the merchant my credit card instead. When I went to look at the gift card balance, it then told me that indeed the card worked and that {$97.00} was taken off of it. When I called the 800 number on the back of the gift card I was told that they could not give me any information since the card was registered under someone else. They sent me this card so I have no idea why it is registered under a different name? That being said, this company should be shut down. They issue these cards and you can never seem to use them. They also do not provide support when needed. I have had problems with this same company in the past. I wish the government would thoroughly investigate their fraudulent practices as they are " stealing '' lots of money since the cards are so hard to redeem.
Product: Mortgage

We recently purchased an investment property in XXXX ( GA ) and got a conventional loan from LendUS , LLC ( through XXXX XXXX XXXX  ). We have two complains to the loan company : 1 ) the loan cost was too high, there were clearly duplicating charges, see below : A. origination charge $ 2332.66 % point of loan {$0.00} Doc review fee {$690.00} Origination fees {$780.00} Process fees {$350.00} Underwriting fees {$500.00} 2 ) the loan officer was behind schedule, did not leave us time to question and shop around.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : 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 XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, 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 & confidentiality under 15 USC 1681.

XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX Dofed # XXXX, XXXX # XXXX has violated my rights. 
15USC 1681 section 602 A. States I have rights to privacy 15USC 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 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 7 years.

15USC 1681s-z ( 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: Debt collection

On Saturday, XX/XX/2022 I received a certified letter from XXXX  Schwartz Vays XXXX XXXX  demanding payment of XXXX Fees. The letter demanded full payment of the XXXX fees for XXXX  or the Attorney would file liens and report such liens to the credit bureau to damage the credit. The tone of the letter was hostile, threatening and nasty. The letter specifically stated all fees had to be paid within 45 days basically 'or else '. The XXXX, XXXX XXXX XXXX, had not been communicative with me about the amount owed. The website also does not specify the amount owed. The online portal to make payments to them have not been set up for me. XXXX XXXX has previously rebuffed any attempt to speak with me regarding the fees. XXXX XXXX website states that invoices would be mailed and I have received no such invoice. I logged into Attorney Schwartz Vays website and input the number assigned to my residence which was in the letter and I see an entirely different amount than what is on the letter. 

I demand a full and itemized breakdown of all fees because I am not sure how the Attorney derived at the {$1100.00} balance on the website when the letter shows a balance of {$800.00}. 

I also demand the Attorney show documents proving to me his law firm is legally entitled to collect on this debt. 

I dispute the validity of the debt as it is shown to me because I am not aware of how the Attorney derived at the amounts. 

I also demand the Attorney provide documentation showing how much the yearly XXXX  fee is. Since XXXX XXXX won't provide this information either when requested or on their website. They are not allowed to pull numbers out of thin air. 

The Attorney 's letter demands full payment or else he will immediately file liens and seek to destroy my credit ( as his letter stated he would take the extra step of notifying the credit bureaus ). The Attorney 's letter makes no mention of XXXX having the ability to make payments. It only sticks with threats and hostile language. However, the website shows the ability to set up payments. So I am confused. If there is an ability to set up payments, why was this not mentioned in the letter. XXXX  Schwartz Vays went to great extent to bold language, and use language that I considered to be surprisingly hostile and threatening in all the ways he could HURT me.. without regard for my ability to pay or saying we will work with you. So is there an ability to make payments? 

I demand that all collection activities cease until the Attorney provides an itemized statement of the debt, proof that his firm is legally entitled to collect on the debt, and an explanation of why of why the online debt balance shown greatly differs than what is in his letter. I also request that the Attorney explain to me why his office is not required to be licensed in the state of Tennessee per his XXXX, and an explanation of why the website shows the option to make payments but his letter does not.
Product: Credit card

Today ( XXXX ) I received an email from GRAIN stating my credit limit has dropped. When I opened my account I had a high credit limit and was working on my credit so when they offered me XXXX I wanted it. As years passed my credit situation became better and I learned how high interest rates cost you a lot of money in the long run, but still I didnt close my account with grain because I was about to buy a new home and was told the accounts opened with long history makes your credit stronger even though in my mind Im knowing their fees are extremely high and Im not using this account they just bill me month to month. When I went to close my account it states I cant because I have to have a XXXX balance in order for them to return my security deposit when in fact I never put a a security deposit and I am tired of them and I want to end my relationship! They are not brick and mortar and you cant even get no one on the phone ever and Im sick of it!! On top of that you lower my credit limit this is the lowest credit limit I have over 17 credit cards and everthing I have is over XXXX dollar limits so for them to think Im about to settle for this low limit as if Im fresh outta high school and just learning to manage personal credit is crazy I dont want it wont stand for it and there is no need for them to keep lowering but every year right before they charge this high XXXX fee they charge next month no!!!!! I rather close my account and be done with this XXXX because I am better than that now and can go into any bank or credit union right now and get the best rate and better credit terms out there. Can someone please contact someone on their team and get them to close my account. In life it has never ever been this hard to close an account even if you owe a balance they just bill you until youre done paying it off so what makes grain think they are above the law and set up their system where you cant speak to no one, they give you a few options in self help on what they think you may ask, and then you send a request and wait until someone decides on their own when they will respond to you I am not taking it from them anymore NO!!!!!!!!!!!! Its XXXX and XXXX and they need to be stopped!
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute account do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this account ; XXXX XXXX Balance : {$180.00}. 

If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the account is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX for {$3300.00}, never had apartment here. Disputed it, and it still on my credit report.
Product: Credit reporting

I have XXXX credit accounts showing on my credit report for XXXX and XXXX. I do not know what these accounts are and I did not use either of these accounts. I have tried to contact both credit companies and could not get any questions answered. My credit report is showing as an authorized user on both these accounts. I did not consent to being added on either of these accounts nor did i use them.
Product: Debt collection

I am filing a complaint against Lewis McDonnell & Associates because they are in violation of FACTA SEC. 312. The information they are reporting the credit bureaus are completely inaccurate because this account does not belong to me. I have written 2 letters to Lewis McDonnell & Associates directly disputing the information and have not received any response. It is against the law for this company to continue to report this information to the credit bureau. I have attached the first letter dated on XXXX. I have attached the second letter dated XX/XX/ that was sent via certified mail with return receipt. This letter was signed for and received by Lewis McDonnell & Associates on XXXX  ( proof attached ). This companies refusal to comply with any and all aspects of FACTA - SEC. 312 is causing damages to me for which I should be compensated for.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I utilized PayPal as a payment device to buy plane tickets online for a family trip. The following day I contacted PayPal again and asked them to cancel those tickets because I was then under the impression that the company that I bought the tickets from was possibly fraudulent. PayPal told me that they would refund my purchase price in full, {$860.00} worth, to my account within 3 to 5 business days. After eight days I contacted PayPal again and asked them why I had not received my refund? They told me that it had been issued on XX/XX/XXXX, however, my bank does not show an inflow of refunded money until XX/XX/XXXX from PayPal. On XX/XX/XXXX I contacted my bank and asked them to review the transaction as fraudulent XXXX I had not gotten a refund. Instead of putting the transaction on hold during their discovery they instead put a stop payment on the transaction and fully refunded the money to my account. On XX/XX/XXXX PayPal also refunded the money in total effectively doubling my bank funds. That would otherwise be considered a windfall, however, PayPal then reported that I now had a negative balance on my PayPal account and demanded a reimbursement of the monies that they had sent to me. As of today I have spent over five hours on hold or awaiting someone to respond via PayPals voice response callback system and/or their chat application. All attempts that I have made to reconcile the account via the links and tools that they have provided online, all of which are linked to my bank account and my credit cards results in an error. Every attempt I have tried to make since XX/XX/XXXX to talk to a representative about the problem results in either being transferred to a department that cant handle the problem, or, being hung up on during the transfer. Every day I get messages from PayPal telling me that I need to reconcile this problem but the only available tools outside of attempting to get an agent on the phone is via their web application. Since my account went negative with PayPal they have locked me out of my account and are forcing me to attempt to pay this debt by charging it to a consumer credit card thereby inflicting me with a cash advance fee. I have the money to pay them, I want to pay them, but, they have made it impossible to pay them without incurring a fee for it and that is simply predatory.
Product: Debt collection

this company does not own the dept they attempt to collect they have no rtights as they have not purchased this debt HWarfield XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Issue # 1. Insufficent Investigation Violation of FCRA : Unfair ( A proper investigation would have revealed that it was not my account ). 

XX/XX/XXXX After a review of my credit report, I discovered that a XXXX XXXX account was opened fraudulently without my authorization. At that time. I filled out a police report and FTC Identity Theft Victims Complaint and Affidavit. ( See both attached reports ). 
After another review of my recent credit report, I noticed that this fraudulent account is still on my credit report and unfairly negatively impacting my credit score. 

XX/XX/XXXX I wrote a letter to XXXX requesting that they validate and investigate this account because it is not mine. ( See attached report ). 

XX/XX/XXXX XXXX sent me back a correspondence indicating that above referenced account had been validated. How can this be when I never authorized or submitted an application for this account or card. XXXX did not provide me with any documentation or contract with my signature on it requesting to open an account, or any other documents that prove I opened this account. ( See attached letter ). 

In my letter XX/XX/XXXX letter to XXXX I specifically asked to see confirmation of a contract with my signature authorizing this account to be opened by me. XXXX wrote letter back to me on stated that their investigation was verified without any information or documentation as requested by me. 

My respectful request is that CFPB assist me in having this XXXX XXXX deleted from all three major credit bureaus because I did not open or give permission to anyone to open this account in my name. I am a victim of identity theft. This account is further victimizing me as is negatively impacting my credit score. 

Issue # 2 Inaccurate and Incomplete Information on Credit Report Violation of FCRA A review of my credit report reviews that it is inaccurate in the following areas for the XXXX  XXXX account which is attached hereto : ( See page # 14 of attached credit report ) 1. Date Opened- XXXX XXXX XXXX and Equifax all have different dates opened reporting 2. XXXX XXXX, XXXX and Equifax all have different high credit amounts reporting 3. Last Date Reported-XXXX, XXXX and Equifax all have different last date reporting 4. Date Last Active- XXXX XXXX XXXX and Equifax all have different date last active reporting 5. Date of Last Payment- XXXX and XXXX have a different date of last payment reporting than Equifax does. 

Accordingly, Pursuant FCRA, I am respectfully requesting that this account be deleted from XXXX, Equifax and XXXX Thank you ***All reports mentioned are were uploaded to this portal
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhe accounts listed above has been reported to the Federal Trade Commission ( FTC ) as a result of identity theft, and i am formally notifying you that these accounts was opened fraudulently and is not my responsibility. I did not authorize or open the accounts, and i have taken steps to resolve this matter, including filing an identity theft report with the FTC. Under 15 U.S.C 1681c-2, the Fair Credit Reporting Act ( FCRA ) provides that if a consumer reports fraudulent activity, they are entitled to a prompt and fair investigation, and any fraudulent information must be removed from their credit report. As I have filed a formal identity theft report, I am requesting that you investigate these accounts thoroughly and remove it from my credit report. I also asked that this be done in a timely manner do it affecting my credit score and livelihood.
Product: Debt collection

From morning til night the company Affirm has been calling me repeatedly for the past two weeks despite paying my overdue amount and telling them Ive paid and to stop calling. It is nonstop. 
This is the number they are calling from : XXXX ( XXXX ) XXXX
Product: Credit card

I have paid my account balance to barclay card ( apple rewards ) in full each statement. Each time I went online to access my account, the balance did not XXXX out and I had a balance due. I have as result overpaid my account by {$540.00}. I have requested a refund of this amount from the card holder however, I am reporting this because their systems are not accurately crediting payments.
Product: Debt collection

there are unauthorized inquires on my credit report. I have attached a ftc report that shows unauthorized inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, and I refuse to be held for something that is not my responsibilty
Product: Debt collection

I was charged late fees on my credit card XXXX making my monthly bill {$200.00} or more. Furthermore, I was charged {$200.00} XX/XX/XXXX, and {$210.00} XX/XX/XXXX of this year. The first time it occurred I called Capital One Credit Card Company and ask for leniency, and asked to have waivered the penalty fee and I'll pay the 2 months owed ( because I live in XXXX in a building and presently the mailboxes are broken ; they don't lock and the mailman might not deliver mail if mailboxes are in bad condition ). The response was ( during a telephone conversation ) my payment history will be reviewed and a decision will be made. But I didn't get any reimbursement or credit on the bill. In fact I paid {$200.00} ( all of it including penalty fees ). Then it happened again 6 months later in XXXX ( I find it hard to believe this was a coincidence ). The next month I paid {$210.00} for XXXX, and XXXX plus penalty fees. My boyfriend a lawyer called CapitalOne to make inquiries and was told his name isn't on the account and therefore, agents could not discuss account with him. However, I think CapitalOne should show leniency on this bill because the account is closedXXXX XXXX XXXX XXXX XXXXXXXX XXXX. Moreover, I don't have the advantage of using the credit card again, or using it anywhere because the store chain in NYC closed. Additionally, I don't have a problem receiving by mail any other bill except Capital One 's Credit Card bill. Furthermore, my credit card balance is approximately {$2600.00}. It used to be {$5000.00} or more, and I've been paying on it 10 years now. By the way, I am a former employee of XXXX XXXX XXXX and employees were encouraged to get a credit card if they wanted to take advantage of store discounts and special sales promotions. Furthermore, I would like to see the balance erased.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts on my credit that I am not responsible for. I have no knowledge of these accounts and they are fraudualent. 

XXXX XXXX XXXX XXXX # XXXX {$710.00} XXXX XXXX # XXXX {$330.00}