23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX ) On XX/XX/XXXX I received a notice from Aspire that they were changing the terms and conditions of my account XXXX and that as of XX/XX/XXXX my account would be charged an annual fee of {$60.00} ( charged at {$5.00} per month ). 

XXXX ) I replied to their contact email and told them that I did not agree to the change of terms and asked them to cancel the account immediately. 

XXXX ) By XX/XX/XXXX I had received no reply to my email, so I mailed a written notice ( to Aspire Credit Card, XXXX XXXX XXXX, XXXX, XXXX  XXXX ) informing them that I had emailed, had received no reply, that I wanted the account closed immediately and asked for them to email or mail a confirmation that the account had been closed. I also explained that if they did not close my account per my request, I would make an official complaint. 

XXXX ) On XX/XX/XXXX I received an email back from Aspire asking me to call XXXX in order to reject the changes, after which they warned me that I would not be able to use the account. 

XXXX ) I immediately replied the same day XX/XX/XXXX that I disagree with being required to call them, that I have asked for cancellation of the account both by email and in writing by mail and again warned them that if they did not close the account, that I would file an official complaint. 

XXXX ) On XX/XX/XXXX they responded that they would not close my account unless I call. 

XXXX ) Their requirement for a phone call violates the Americans with Disabilities Act. I can not hear well enough to have a coherent phone call. They received my letter and my email, they were made well aware that I wanted the account closed immediately. 

XXXX ) Today I received an email notification that I have an account statement due and I have a {$5.00} payment due by XX/XX/XXXX ( their monthly payment towards the annual fee which I already notified them that I didn't agree with ). 

I will not pay this fee, as I have already expressed my disagreement and desire for cancellation of the account. If they do not refund the fee and cancel the account, and furthermore if they make any negative report on my credit history I will sue for violation of the XXXX and for failing to close my account per my instruction which they acknowledge that they did receive. 

XXXX XXXX XXXX. A pdf copy of my written request to close the account from XX/XX/XXXX is attached for review.
Product: Credit reporting or other personal consumer reports

Upon checking my consumer report I noticed XXXX XXXX  reporting a fraudulent collection account in my report in the amount of {$1000.00} with the account number XXXX, this account was opened up using my personal information without my consent. 

I also noticed an account from XXXX XXXX claiming a debt owed for {$2400.00} with account number XXXX that was fraudulently opened up without my authorization. I did not consent to my personal information being used. 

Attached is my ftc report along with police report detailing the fraudulent activity.
Product: Credit card

Requesting that Military Star Card adjust my credit card interest rate to the 6 % cap that Louisiana statute RS 29:312 states.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The unauthorized inquiries which I have been disputing still appear on my credit report. This is clearly a violation to the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any information listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and request that the following accounts and inquiries be immediately blocked and deleted from my credit report, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were fraudulently opened or reported in my name as a result of the breach. 
Below are the affected accounts and inquiries : Accounts to Be Blocked and Deleted : XXXX. XXXX XXXX BANK XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX. XXXX OF XXXX MA Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX. XXXX OF XXXXXXXX XXXX  Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$180.00} XXXX. XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX. XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX. XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX. XXXX XXXX  Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$230.00} XXXX. XXXX XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$280.00} Inquiries to Be Removed : XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX STAR XXXX OF XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX 2023
Product: Credit card

Im a victim of identity theft n a Wellsfargo credit card was opened without my knowledge
Product: Money transfer, virtual currency, or money service

For 3 Years I have been a victim of a romance scam, CyberStalked, and potentially used as a virtual cash mule by the scammer. All of whom are the same entity. 
A letter of resolution was sent to all companies involved, XX/XX/XXXX. Wells Fargo refused to reimburse me for the money lost, stating that they didn't have enough information, and they had proof of intent by me the customer. Another complaint was sent with more information about the situation from me explaing details, a rebuttal letter was sent the same day.XXXX  XXXX, XXXX, XX/XX/XXXX, response was sent by Wells Fargo validating that my accounts where compromised and closed 4 different times resulting in a business decision by them to terminate business. 
No explanation for why. 
I responded disclosing that I am XXXX and living with multiple disorders and struggle to work. 
This message went unanswered. 
The 3rd party service used was also contacted at the same time. Said that the money was unrecoverable and permanently lost. 
Early XXXX, I submitted a complaint to the CIA and FBI. 
( No response, but not expected )
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting an unverified account on my credit report. Please be further advised, I dispute the validity of the alleged debt in its entirety.Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Product: Debt collection

Gentleman called and asked for a family member. Would not identify himself or the reason for the call. When I asked who it was and why he was calling, he would not answer. I told him I would not give any information. Other family member report of repeated calls and harassment. Number the call was from is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to review my disputes. After every dispute that I submit the results comeback as suspicious. There is nothing fraudulent about my disputes!!
Product: Credit card or prepaid card

These thugs SPAMMED me and they don't even have an unsubscribe link! 

Please investigate where they got my email address, why they sent me FALSE information such as " Important Information Regarding Your Account '' I don't have an account and this is commonly referred to as CLICKBAIT. I wasted my precious time on this fraud! 

I defaulted on my credit cards because you ( the government ) allow these criminals to prey on us. I decided that INSTEAD of working myself into an early grave, I'll simply STOP paying my credit cards and document WHY the poor get poorer and the rich get richer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Continue to dispute with Equifax regarding removal of XXXX  XXXX bankruptcy that was dismissed and never took place. Equifax stated they verified with a third party XXXX XXXX however can not provide that date.
Product: Debt collection

On XX/XX/XXXX I booked a room reservation via XXXX for XX/XX/XXXX using my Citicard XXXX. Due to the pandemic, I notified Citicard on XX/XX/XXXX to dispute charges and cancelled my booking for the reservation # XXXX at XXXX. On XX/XX/XXXX XXXX informed me that they made a mistake on the cancellation and offered me a voucher. Since XX/XX/XXXX I have tried to contact both XXXX and Citicard to resolve the issue as I was being charged interest on the booking charge. 
OnXXXX  I finally got through to a human at XXXX and they are " reviewing the case '' and assigned # XXXX and told me it would take up to 4 weeks to resolve. 

On XX/XX/XXXX I finally got through to a human at Citicard and they refused to credit the interest charges on the {$120.00} charge. 

As of XX/XX/XXXX the interest charges for the cancelled reservation amount to {$73.00}
Product: Debt collection

A debt collection company has failed to validate the debt and provide valid legal proof that the debt is owed. I don't remember going into any contractual obligation with the original creditor are agreeing to an open contract are receiving any good services with the original are a debt collector. The debt collector is damaging my credit and has accessed my credit report without my permission and is invading my privacy and defamation of character. The debt collector has failed to comply with the 30-day requirement to validate the debt per Fair Credit Reporting Act and Fair Debt Collection Practices Act and must stop harassing me and violating my statutory rights by trying to collect this unvalidated debt by a valid ( wet ink ) contract. The company is proving false information that I owe them to I believe all three Credit Bureaus, XXXX, XXXX, and XXXX. The account they are reporting and under is from a 01 XXXX XXXX XXXX XXXX XXXX for an amount of {$4200.00}.
Product: Mortgage

Using FHA to purchase a home. Lender erroneously included seller credit as part of down payment, so when it was going to be funded lender called me saying they needed more money. At this point I had wired downpayment they told me to send to title and signed title docs. Lender told me they had made a mistake and apologized, which is fine, I would send more money. Lender assured me that the seller credit would be going towards up front PMI and the additional money would go towards lowering the loan amount. Neither of these happened. When I get the final documents from the title company most of the seller credit is gone, only about XXXX dollars of the approximately XXXX that was included in the title documents I signed. Spoke with lender, they apologize and admit they messed up, but do n't really offer any recourse besides them saying sorry. To me they lied to me, promised me things that did not happen, and out of pure negligence or laziness did not put effort into informing me of what was happening or even letting me know. It is very difficult to get them to call me back or even send documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified XXXX that I am 66 years age and have had credit most of my life. I have purchased 5 houses and I have banked at the XXXX XXXX XXXXXXXX for 26 years. None of this information is reported on my credit report. All of my accounts are reporting 10 years or less. I have been paying more interest for credit and I have been denied credit cards and my credit card offers are reduced because of my short credit file history. What can you do to help?
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries appearing on my credit report. XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX. XXXX XXXX. 


Fruad accounts appearing on credit report.
Product: Checking or savings account

I need to cancel my savings account whith citi bank is not useless XXXX XXXX I gat my taxi 's and a working place deposit to that bank and I don't get a XXXX to use my account and after all I can use my account.
Product: Debt collection

Conns called me over 3 times a day from different phone numbers in attempts to collect debt. Did not stop until I was forced to change my phone number.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent XXXX a letter on XX/XX/2024 with certified mail, to provide information on how they went about verifying the various reports on my account, which I got no response. I have two fraudulent reports on my credit report which was done by XXXXXXXX XXXX XXXX, I called XXXX XXXX XXXX and ask them about the fraud reporting and they said they don't why it got reported on my credit file because they could not verify it. I expressed this fraudulent activity to XXXX and they have done nothing. I have written to XXXX asking them not to give out my private information, and on XX/XX/2024 after that, a XXXX called " Upstart '' called me stating that they got my information from XXXX, which I told XXXX specifically not to do. 
I have written multiple letters asking XXXX to update my information and to correct all the discrepancies on my report but to no avail. I have tried multiple times to call but there is no one to speak with at XXXX, you only get an automated system. XXXX has tarnished my character and has done damage to my quality of life, which is cause for litigation.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX Experian / XXXX
Product: Debt collection

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : AFFIRM INC Account Number : XXXX
Product: Credit reporting or other personal consumer reports

There are numerous instances of disobedience with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I dispute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report. 

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Provide truthful information about accounts or other connections with a customer. 
Provide accurate information about accounts or other interactions you have with customers.

C - Look at consumer complaints in a reasonable manner According to CRRG, you have to adhere to the Metro 2 compliance guidelines in order to file a legitimate report.

Furthermore, " Any Deviation From These Standards Jeopardizes The Integrity of The Data, '' according to the CRRG. This implies that discrepancies in reporting claims have the potential to reduce information accuracy and have an impact on the accuracy of reports that are subject to federal regulation.

I'm using my right to object to these erroneous and non-compliant items as a consequence. You will only demonstrate your lack of concern for my rights as a customer if you ignore my demand. Reporting information that hasn't been verified as ethical and compliant with certified reporting standards isn't fair. Once more, I contest these assertions and demand documentation of the appropriate reporting guidelines. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 
XXXX XXXX Late Payment {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$890.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Collection {$630.00} XXXX XXXX Charge-off {$5500.00} XXXX XXXX Charge-off {$140.00} XXXX XXXX XXXX Charge-off {$30000.00} XXXX XXXX  | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information listed on my account. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ, XXXX D.O.B XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX, XXXX XXXX PA XXXX Dear Transunion, after receiving a copy of my credit report, I observed several errors and demand deletions of the accounts mentioned below. 


XXXX XXXX card service. Account number XXXX This account MUST NOT be on my credit report because it is a charge off account and is considered income earned. 
DELETE this account. 


XXXX XXXX dealer services Account number XXXX. 
This account MUST NOT be on my credit report because it is a charge off account, and I considered income earned. 
DELETE this account. 

XXXX XXXX account number XXXX I I need an investigation done on this account. I have no knowledge of this account and need proof with all documentation that includes a contract bearing my signature with this company and need the results including the method of verification used in this investigation mailed to me at the address shown above. if not DELETE this account. 

XXXX XXXX XXXX XXXX XXXX This account was involved in litigation! 
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of their alleged debt, nor therefore any such debt, in fact therefore exists! 
DELETE this account. 

Yours truly, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XX/XX/year> ; XXXX OF XXXX XX/XX/year> ; XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted all 3 credit bureaus as well as XXXX  6 times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the 3 bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see circled,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a {$1200.00} balance and it is also reporting a credit limit {$1600.00} and a past due XXXX ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the 2 year history it is not uniform across the board which it should be ... they are reporting a new charge off every single month
Product: Debt collection

Credit Collections has I debt that XXXXXXXX XXXX submitted to there agency and I contacted XXXX on XX/XX/year> they have no information and said they don't know who Credit Collection is and they don't use this credit agency this is inaccurate information being reported
Product: Mortgage

I dont have the exact dates but a few weeks ago I called to get HELOC checks sent to me as Im doing home repairs. I never got them in the mail and XX/XX/XXXX I get an overnight fee ex package from XXXX XXXX from XXXX XXXX XXXX, XXXX VA XXXX. 

The checks enclosed were for a different customer, which means I have another customer checks, routing and account number in my possession. I called on XX/XX/XXXX to report thisthey said they will log a fraud claim and have someone call Me back. Its now XX/XX/XXXX and I have not gotten a call. 

I called today XX/XX/XXXX and kept getting transferred and no one seems to know the information I reported. 

I need my checkswere my checks sent to someone else??? Any information????
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. Inquiry listed should be blocked, removed and suppressed for this is fraudulent and inaccurate. Inquiry : XXXX XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act 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.