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

on XX/XX/XXXX I original made a purchase of {$2700.00}. When I noticed that the cashier rang my purchase under 12 month same as cash plan I quickly return to the store. The Manager XXXX return the original purchase, and re rang my purchase under the 36 month plan. The issue at hand is that the original return was never credited to my account. So, I am being charge an extra {$2700.00}. I have been trying to dispute this charge since XXXX of XXXX. I have made several calls to Mr. XXXX but, he has not returned any of my calls. Every time i file a dispute the information that I send, and or up load to Zales website is either delete, or the company does not receive my documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be repaired ASAP. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had my account accessed and used in what I believe was a scam activity. Someone was sending money to my account and distributing it within seconds to another account via friends and family according to paypal they are saying it was me doing it when I have provided them with everything I possibly could obtain to prove it was not my doing. I do not feel obligated to pay something that I never had the money for and have no part of.

PAYPALnever looked into the unusual activity in the account. I uploaded several documents of me reaching out to individuals trying to obtain why the money was coming in and going out. The activity they are claiming to be seen on the account is not valid. I reported to paypal several times, via email, spoof, phone calls, and reports that the matter at hand needs further looked into. I had my identity taken from me on this matter, I informed paypal of this issue and did all the security measures they recommended. I cancelled my paypal card due to it being stolen, they issued a new one and I never activated it. I contact my cell phone provider about my device that I did all my banking and personal use on was stolen. I was issued a entirely new device with a new IP and did everything they recommended. I have contacted my bank and put a freeze on my one and only account. You can see that I never touched any money that came in to that account that was suspicious to the activity. The money was withdrawn immediately from a unknown source. I have no relations or affiliation to whom ever received this large amount of money. I will be contacting consumer affairs.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts : XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX-Account # XXXX XXXX-Account # XXXX XXXX XXXX XXXX XXXX -Account # XXXX XXXX XXXX XXXX-Account # XXXX XXXX XXXXXXXX XXXX-Account # XXXX has violated my rights as a consumer. 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 an account without my written instructions 15 U.S. Code 1681s2 : 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. 
No consent was given.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never given my consent for any company to report late payments on my credit profiles. This is also a breach of my right to privacy.

Please see 15 U.S. Code 1666b Here are all of the late payments that have been published to my credit reports : Payment history guide 30 days past due as of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

After making an electronic payment on my credit card which placed a positive balance in my favor on the card of {$140.00}, Wells Fargo informed me that while the payment for the card had been credited to my statement that the funds would be held for 15 days and my credit line would be unavailable until after the 15 day period. The {$140.00} balance in my favor would also be unavailable. The withholding of this portion of the payment is nonsensical to me considering the payment was an electronic payment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX CC : Consumer Financial Protection Bureau ( CFPB ) [ Submitted via www.consumerfinance.gov/complaint ] Subject : FINAL NOTICE DEMAND FOR IMMEDIATE DELETION OF FRAUDULENT ACCOUNT ( Acct. # XXXX ) UNDER PENALTY OF LAW XXXX XXXX and CFPB : This is my final written demand to permanently delete the fraudulent XXXX XXXXXXXX account ( Acct. # XXXX ) and associated hard inquiry from all credit bureaus within 7 days. Your failure to act will result in immediate legal action under : FCRA 616 ( 1, 000 1,0003,500 statutory damages per violation ) XXXX XXXXXXXX ( identity theft penalties ) Maryland Consumer Protection Act ( {$5000.00} statutory damages ) Newly Discovered Violations Fabricated Debt Collection ( 15 U.S.C. 1692e ( 2 ) ) XXXX XXXX is attempting to collect a nonexistent debt tied to an address I never lived at ( XXXX XXXX XXXX ). This violates the FDCPAs prohibition on false representations. 

Willful Non-Compliance with FCRA 623 ( a ) ( 3 ) Despite my affidavit of fraud ( previously provided ), XXXX XXXX failed to notify credit bureaus of the dispute, violating FCRAs fraud investigation requirements. 

Credit Bureau Collusion ( FCRA 611 ( e ) ) XXXXTransUnion verified this account as accurate despite XXXX evidence linking me to it. This suggests systemic negligence post-XXXX breach. 

Irrefutable Evidence of Fraud Address Discrepancy : The account is tied to XXXX XXXX XXXX, XXXX, MD XXXX address I have never lived at ( proof : attached lease agreements, utility bills ). 

No Signed Application : XXXX XXXX can not produce a signed application or IP logs proving I applied for this card. 

XXXX Breach Link : This fraud directly stems from the XXXX XXXX breach ( Case XXXX ), which exposed my SSN and DOB. 

Demands Immediate Deletion : Remove the account and inquiry from all credit bureaus within 7 days. 

Fraud Confirmation Letter : Provide a signed letter confirming the account is fraudulent and deleted.

Cease Collections : Stop reporting this account to any third party, including debt buyers. 

Legal Threats If XXXX XXXXXXXX fails to comply by [ Date 7 Days from Now ] : Lawsuit Filed : I will sue in Maryland District Court for : {$5000.00} in statutory damages under Maryland law. 

Punitive damages for willful non-compliance. 

XXXX Referral : I will submit evidence to the CFPB and FTC for investigation into XXXX XXXX fraudulent reporting practices.

Attorney General Complaint : I will file a complaint with the Maryland AGs Office for violations of state consumer laws. 

Attachments : Affidavit of Fraud ( notarized ) Proof of residency ( XXXX ) XXXX breach settlement notice Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

These inquires are inaccurate and/or unauthorized. I have called the reporting bureau but I have not received a response as to why they have not been removed yet, nor have they providing proof of these inquires as true. 
The following inquiry errors are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX has been contacting my parents with text messages that include information about the amount of my debt owed. Repeatedly. Nearly every day. I did not give them permission to contact my parents about my credit card account and never gave them their contact information. The texts being sent are as follows : They keep coming down in what it will take to resolve this. 
This message is from Spring Oaks Capital , LLC. 

We are willing to accept {$330.00} to resolve your XXXX XXXXXXXX account originated by XXXX XXXXXXXX XXXX, which is now owned by Spring Oaks Capital SPV , LLC, for less than the full balance. 

We want to see you succeed, so we request that you review and take advantage of this offer by XXXX. We are not obligated to renew this offer. Please contact us if you need more time to reply to this offer. 

To view this offer, go to XXXX. If you have any questions, reply to this text or contact XXXX of our representatives at XXXX. We have agents ready to respond during normal business hours. 

We are a debt collector. Click here for important disclosures https : XXXX. Reply STOP to opt out.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2021 XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1500.00} XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$320.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$280.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$600.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1800.00} Medical XXXX Balance : {$100.00} Medical XXXX Balance : {$91.00} Medical XXXX Balance : {$79.00} Medical XXXX Balance : {$61.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Under 15 USC 1681 Section 602, states that I have the Right to privacy. 15 USC 1681 Section 604 A Section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I did not open this account. 
Consumer will not identify who opened this account and is trying to hold me responsible without proper validation!

According to FERA Section 605B states it is illegal to report anything on my credit report without my permission Please remove this negative item If this application was done online you dont know who is responsible of opening this account.
Product: Checking or savings account

My brother XXXX XXXX owned a checking account with USAA and he died without a will on XX/XX/2022. I am his sister and I have been managing all his affairs. He had no assets other than a car that is owned by XXXX XXXX  and a bank account at XXXXXXXX XXXX that I have closed with a balance of {$1.00}. All his banking was completed through an account with USAA electronically. I have been trying for two months with phone calls, faxes and emails to have this account closed and the statements sent to me so that I can complete the notification to his creditors. I have submitted his death certificate and the affidavit from the surrogates office listing me as his administrator. They wanted me to return there to add USAA as one of his assets and I did that for another trip and expense. Each time I fulfill their requirements they tell me they have 15 business days to review the account and they never contact me. I call them and I am once again told that I need to complete another affidavit- as Executor- when he had no will and there is no Executor. Then I am promised a return call and never get one. I have been living through this nightmare for over two months now and getting no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report from the year XXXX shows student loans opened on XX/XX/XXXX, under an installment account which was updated on XX/XX/XXXX and closed on XX/XX/XXXX with an outstanding balance of {$29000.00}, which were transferred over to the lender XXXX. I spoke to XXXX  and called them at XXXX, after receiving a letter from XXXX indicating I had started a dispute with the credit bureau XXXX  and XXXX and in order to continue disputing this charge due to identity theft, I needed to contact my lender, which is XXXX. I spoke to an individual by the name of XXXX on XX/XX/XXXX and she was not able to answer my questions as far as what schools was this consolidation pertaining to. I mentioned very clearly the only schools I have attended have been XXXX XXXX XXXX XXXX in XXXX XXXX, TX ( it has been shut down and I never received my XXXX XXXX XXXX on the mail ), XXXX XXXX in XXXX XXXX, TX and XXXX XXXX XXXX of XXXX XXXX. I only took a few classes at each school. She did not have any further information. My student loans are in good standing because I have been paying for them and right now they are in forbearance due to the Covid crisis. The student loan consolidation is very suspicious and I mentioned to XXXX from XXXX very clearly those student loans from XXXX are not mine. She did not know what to say. She promised to follow up with me and submit a claim, and I have not heard from anybody. My identity has been stolen since XXXX. It has been stolen on several occasions with the purpose to open fraudulent bank accounts, fraudulent email accounts, fraudulent payday loans, personal credit lines, and student loans. I have disputed a fake address on my credit report from XXXX, XXXX  and XXXX  as well as unknown telephone numbers. Fake email accounts have been open under my name as well. 
I have filed a police report already with the XXXX XXXX Police Department, the Federal Trade Commission and the Social Security Administration. I have also placed alerts, freezes and locks on the 3 credit bureaus. 
I have not received any response from XXXX and they are failing at complying with this identity theft investigation. 
Another problem has been the company PayPal. I have contacted PayPal for a solution regarding my identity theft situation and they have not complied to provide to me with the information I need to submit to my local law enforcement and pertinent authorities. They have not even attempted to send me a letter with steps on what to do or even a phone call.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and frustration regarding the many unsuccessful attempts to correct the late opening of my account and the removal of the late closure status with Credit Bureaus. Despite multiple communications and persistent efforts on my part, these issues remain unresolved, causing significant inconvenience and frustration. 

The prolonged delay in correcting these issues has not only hindered my ability to access the account 's services but has also created unnecessary stress and uncertainty. 

I urgently request the following actions : Immediate and expedited investigation into the root cause of the late account openings and late closure status.

Transparent communication regarding the steps being taken to correct these issues.

Swift resolution of the account opening problem, with confirmation of the successful resolution.

Removal of the late closure status from my account. 

Assurance that my account will be fully functional and restored to its proper status once these issues are resolved. 

Compensation for the inconvenience and any potential financial impact caused by the delayed account openings and late closure status. 

I insist on a resolution within the specified timeframe from the date of this letter. Failure to address this matter promptly will compel me to escalate my complaint through appropriate regulatory channels. I am asking for your assistance to correct these late open accounts and remove the late close in my credit file : XXXX  / XXXX  XXXX Balance Owed : {$59.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

XXXX XXXX Balance Owed : {$0.00} - I do not believe I was late on this account you are reporting. Please report the payment status positive and update all late reporting on this account. 

XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX Balance : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of the following accounts from my credit report. I am a victim of a data breach, and these accounts were fraudulently opened in my name. As such, I am requesting the removal of these accounts and inquiries in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be Blocked and Deleted : XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$4000.00} XXXX. XXXX XXXXXXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$830.00} XXXX. XXXX XXXX  Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00} XXXX. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$6300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed with experian with a veterans affairs account I have on my report. I disputed that the dates were not correct. They have it reported as just Collections from XX/XX/XXXX to XX/XX/XXXX and then the account closed in XX/XX/XXXX. This account is paid. I disputed why there werent 30 60 or even 90 days late just reported collection. They informed me they did an investigation and its been updated as such. 30 60 90 120 150 180 from XX/XX/XXXX to XX/XX/XXXX and then current XX/XX/XXXX. And then nothing else is reported until XXXX and XXXX of XXXX marked Collection. They clearly dont know how to accurately report peoples accounts. If it was PAID and closed XXXX HOW do you say you investigated and then just write it as a collection in XXXX of XXXX when this account has been PAID. They dont have dates and falsely reporting dates and wrecking my credit in the process I WANT REMOVED FROM MY ACCOUNT NOW