23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

JPMCB is reporting inaccurate information to all XXXX major credit bureaus 15 USC 1681 law protects and validates the debt. Date opened XXXX charge off as bad debt and recently updated in my report for {$7700.00} original balance {$31000.00}
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft I signed into my Experian made a new account in XXXX of this year and I seen Mutiple names inquiries all on my account. I called Experian in XXXX to ask what to do and they told me to upload documents to support the dispute Ive sent over 3 letters and im not getting any answers.
Product: Credit card or prepaid card

In early XXXX, XXXX, I had a numerous fraudulent charges on my Citi Double Cash Credit Card after visiting XXXX XXXX XXXX XXXX. Citi refunded the fraudulent charges and refunded me the credit of {$300.00} in XXXX, XXXX. Subsequently, I received a statement that I owe Citi {$840.00}. 

I have called 5 times since XXXX, XXXX to gather information on these new charges. Citi is not able to explain the {$840.00} in new charges. I tried again on XX/XX/XXXX to call Citi and after holding for 30 minutes, I was told that no customer service representatives are available at this time. 

I request assistance to correct the fraudulent charges so I can cancel my account. 

XXXX XXXX, MD XXXX XXXX XXXX XXXX, CA XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an app called " XXXX XXXX '' that notified me of a new credit inquire on XX/XX/23 with XXXX XXXXXXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX. I called and was able to cancel the fraudulent card. It is still on my credit report and I am not sure how to remove it.
Product: Prepaid card

I ca n't access my account because it says my card is not activated but the money is showing on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this company, " XXXX XXXX XXXX '' and today trying to locate these so called debts. 

XXXX XXXX XXXX : Acct # XXXX {$170.00} Acct # XXXX {$280.00} Acct # XXXX {$88.00} Acct # XXXX {$300.00} XXXX gave the representative my full name, address, and social security number, telephone number, former address and she still could not find any collection accounts in my name. But this company has listed all four of these collections on my credit report! Please investigate this and have them to remove this at once! 

Experian XXXX and XXXX are reporting this inaccurate information on my report. I disputed this information last month and they claimed to have verified this but how could they have verified information that the Collection company cant even verify? They lied, they NEVER investigated they just sent me a letter sitting that it was verified.
Product: Money transfer, virtual currency, or money service

Dear Support Team, I am writing to appeal the permanent limitation placed on my PayPal account, which has caused me significant inconvenience and financial loss. I believe that this limitation was a mistake, and I respectfully request that PayPal re-investigate my case and restore my account if possible. 

I would like to clarify that I have not violated any PayPal policies, and I have always conducted my business transactions in compliance with your terms and conditions. I was taken aback when I received a notification informing me of the permanent limitation on my account. I have reviewed your policies and can not identify any reason why my account should have been limited. 

I value the convenience and security that PayPal provides to its customers, and I have been a loyal user of the platform for several years. I am confident that my account was limited by mistake, and I would like to ask PayPal to give me the opportunity to present my case and provide any necessary information to resolve this issue. 

I kindly request that PayPal re-investigates my case and restores my account if possible. I am willing to cooperate and provide any additional information or documentation that may be required to resolve this issue. My PayPal email address is XXXX, and I hope to receive a positive response from your team soon. 

Thank you for your attention and understanding in this matter. 

Sincerely, [ Your name ]
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX 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 reported to the Experian credit bureau that I have no knowledge of the information thats reporting onto my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts have been separated multiple times, i am a XXXX and my social security number and name keeps getting merged with my XXXX sibling whos name is very similar to mine, our social security numbers are very close as well. I can not access anything and the credit reporting agencies think i do not exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is a letter including several unrecognized inquiries, that I complained and requested removal to both the Credit Agency and the Companies. 
They accepted removal and the Credit Agency after weeks is not removing them from my Credit file causing financial damage.
Product: Checking or savings account

I have been charged over {$500.00} in overdraft fees and regions bank has been ordered to resolve this, I wasnt sure how to file for it but Ive been with regions bank for years and something will take out of my account without my knowledge ( XXXX, XXXX, XXXX, ect. ) and it will charge me a {$70.00} overdraft fee and it just keeps going up if I dont have the money to pay it, so I would really like someone to reach out to me and help me with this situation.
Product: Debt collection

On or about XXXX my HSBC credit got a unexpected credit limit increase. I notice on XXXX or XXXX XXXX CC statements my balance continue to increase after making timely monthly payments. I call the customer service for HSBC and reported Fraud charges with a balance of about XXXX dollars, my credit card was cancel and a new one was sent out. the next month, I notice the balance was forward to the new credit card, I call customer service and requested an explanation why ; I have monthly finance charges on a balance that it is not mine. the new credit card was cancel and the HSBC agent sent out a new credit card and mail me a written copy of the my fraud report. Now I have a debt collector calling my cell phone numerous times per day demanding XXXX dollars minimum payment. 
the Balance on the new credit card is up to XXXX dollars. These charges are Fraud charges from the same people, the same charges were done on my XXXX XXXX credit card and my XXXX Credit card. those charges were corrected. this is Identity theft and the HSBC agent agreed, but the Credit card account still continues to accrued monthly finance charges of XXXX dollars.
Product: Credit card or prepaid card

I have been inundated with promotions and advertisements from Discover Card. Mailings two to three times per week over several months telling me I was preapproved for a Discover credit card. Simply apply online to the address give. Finally, I did on XX/XX/XXXX. I then received a message telling me to call a number for additional information. When I did, I was asked to give Discover access to my income tax returns. I refused and decided to withdraw my credit card application. On XX/XX/XXXX I received a letter from Discover saying my application had been denied. I have called the company three times regarding this situation as they had already done a hard check on my credit which now appears on my credit report. I have asked why the letter didn't say I withdrew the application but did not receive a satisfactory reply. Apparently this is just how they do things. I feel their advertising methods border on harassment and are misleading and dishonest. Since I originally spoke to a Discover rep on XXXX XXXX and asked them to stop the mailings, during the period of XX/XX/XXXX to XX/XX/XXXX I have received 4 additional mailings.
Product: Credit card or prepaid card

Purchased one washing machine from Home Depot using a co-branded credit card from Citibank. I was over charged for one washing machine and have been disputing it since XXXX. Last conversation took place on XXXX with the Citibank 's dispute department and they told me they spoke with home depot and everything was taken care of and I would be credited. They told me it would take on statement cycle for the credit to take place so which would be by XX/XX/XXXX. When I checked my card balance today the credit was not made to the account. When I called Citibank 's dispute department again on XX/XX/XXXX they now told me that Home Depot said they credited everything I was owed and the dispute group at Citibank told me that they won't do anything else I have to work with the store. When I go to the store they tell me I need to deal with the card. 

Purchase information : XX/XX/XXXX - purchase for washer and dryer {$2400.00} - Cancelled order XXXX - purcahse for washer and dryer {$2300.00} - cancelled order XX/XX/XXXX - purchase for washer {$1000.00} - cancelled order XX/XX/XXXX - purchase for washer {$1100.00} - accepted order Total Amount charged : XXXX Credit from Home Depot : XX/XX/XXXX - {$1100.00} XXXX - {$40.00} XX/XX/XXXX - {$1000.00} XXXX - {$1100.00} XXXX - {$1200.00} XX/XX/XXXX - {$40.00} Total Amount credited : {$4700.00} Total Amount charged {$7000.00} minus total amount credited {$4700.00} Amount remaining : {$2300.00} minus purchase of 1 washer for {$1100.00} Still owed refund of {$1100.00} for overcharge of an additional washer which I never received Citibank dispute department refuses to help me at this point and says it's a closed case. I'm having to pay for 2 washing machines when I only purchased one. I keep getting the run around between the departments of the co-branded card company Citibank and Home Depot it's apparent that the systems/data does not update properly. Citibank left it with to bad you have to pay the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, ATTENTION ATTORNEY GENERAL, the matter still hasnt been completed to success. The credit score isnt corrected, also, the deletion hasnt been given as of yet to the credit report. Previous, the deletion was stated by XXXX to be given, but, in person, online, the unscorable was displayed with the previous student loan information showing and displaying on the Experian.com site. The information was never deleted. I requested the account information to display due to the unscorable credit score displayed, the Experian representative stated there wasnt sufficient credit report information to display any credit score due to a ( n ) non activity within six months. I phoned and emailed continual contact information regarding the six month factual data of the student loan that is within the parameter within the six month time frame. The Experian.com never deleted the student loan information as stated by XXXX, that would have been a ( n ) step in the right direction for me as the consumer, instead, the information just displayed as stagnated and stale. I want the credit report to show the accurate credit score given the previous XXXX with the deductions and erasures made given the previous data of credit history. XXXX, with the {$1700.00} in collections and the XXXX hard inquires with the written off/collection of the XXXX XXXX XXXX Credit Card XXXX I had all erased and deleted. The score should be bold with credit opportunities. In addition, the student loan entirety to be deleted from my consumer credit report ( s ) as stated from the XXXX, addendum, to the amount do display consumer, when provided all details chooses the deletion of the XXXX amount owed in its entirety, total deletion of XXXX student loan. Okay. Not an unscorable. But, now with no debts, hard inquiries indicated, please indicate the new score ; where I as a ( n ) consumer, to receive credit opportunities.Okay. Lets erase the student loan XXXX and recalculate the credit score given the deductions. FAIR CREDIT ACT and all in place, okay. XX/XX/2023. 
WAS XXXX, NOW THE CREDIT SCORE... ... I.E., XXXX, etc.. CLEAN REPORT, THE XXXX STATED TO DELETE THE ENTIRE AMOUNT OWED, IN ADDITION, ALL COLLECTIONS AND HARD INQUIRIES ARE DELETED. XXXX, TO BE CORRECTED AND UP THE SCORE, THANK YOU!!! : - ) Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

1. The following accounts do not belong to me they are fraud. I am a victim of identity theft my info was on the dark web and other breaches. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. 
I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them. 

2. 1. Validation of the debt-that is the actual accounting. 
3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. 
6. Please provide the original docurse and wet signature if you can't provide these items Delete them. 

Delete these fraudulent items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and illegal inquiries listed on the FTC I have provided.
Product: Credit card or prepaid card

On XXXX I bought a system for {$1900.00} at XXXX, but their system didn't work as promised. I learned about this on a XXXXXXXX XXXX 30 days later I asked for my refund back, and they wouldn't give me my money back. Even though they had a XXXX money back guarantee refund. I told capital one about this on the phone a few times and proved to them I was telling the truth twice through fax. But they told me through snail mail that I lacked the evidence to win my dispute and decided just to give my money to this scammer instead. When I tried to repeatedly to follow up with them about the status of my dispute on the phone. They kept pretending they didn't get all my documentation I sent them through fax. And kept wanting to put me on hold, until they eventually hung up on me and wouldn't call me back like they should have.
Product: Vehicle loan or lease

I have a ldw ( loss damage waiver coverage and Gap insurance with Lobel Financial since XX/XX/XXXX i first financed my vehicle I've had this vehicle 1yr 10 months i am so close to paying it off. Car accident of My car was hit and ran i was not at fault on XX/XX/XXXX i submitted my police report to the company. After calling then endlessly and being hung up on multiple times vu the company 's Claims customer service rep, they eventually sen out an appraiser Two days later XX/XX/XXXX, she tokd me they'll have my repot the same day. I erged them to please expedite the process due to this situation holding me back from obtaining another loan for a vehicle because i do need to get to work with stable transportation. However i gabe them a call today XX/XX/XXXX amd was told the appraisal report was not sent to them so i hung up with the representative amd called the appraisal representative myself amd she informed me that my appraisal report was indeed sent on the same day XX/XX/XXXX, so the compnay definitely have it. Why are they making me sufder prolonging my claim? If they don't want to handlr thesw ttpes of things maybe theu shouldn't be in this type of business or providing tne tyoe od services they are offering, poor customer service and they give me the run around and hang up in my face, denying me to speak with a manger, they treat me like i am doing something wrong, like they are punishing me through dragging my claim out and getting me back on the road. I aksed then will tbey ne repairing my vehicle or would they be totaling it out so that I'll know what u meed to do for now however they are not giving me any answers when it is my right to know. This is sad because there's no other way to get in contact with anyone else for this company. I am very exhausted and emotionally botgeres dealing with this type of treatment from this company is this hie they treat their customers something big has to be done about this. I need more resources for getting this business recognized for these foul and negligent acts against consumers
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to EXPERIAN was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my third request for the immediate removal of unauthorized accounts in my name. Upon review of my recent personal credit report, UNAUTHORIZED hard credit inquiries DO NOT belong to me. I immediately notified the Credit Reporting Agencies to no avail. In addition, I have a " fraud alert '' placed on all 3 credit files and has not served anything in protection. The CRAs continued to sell my personal information to third parties offering me credit, loans, and ironically, credit monitoring services.

It should be noted that the CRAs are completely unmoved by CFPB filings and have demonstrated no sense of urgency in complying with the complaints filed by consumers. I have filed complaints with the Federal Trade Commission ( FTC ) and to this day after almost 1 year-to-date, have not been able to obligate the CRAs to remove these UNAUTHORIZED credit inquiries through the CFPB process, one which is lame and ineffective by legal standards. CFPB has taken a Secretarialized position in properly enforcing the Federal statutes although it is now evident that the CRAS has present Class-Action lawsuits pending in Federal Court . XXXX XXXX XXXX XXXX XXXX on XX/XX/2024 XXXX XXXX XXXX on XX/XX/20XXXX XXXX  XXXX Inquired on XX/XX/202XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/2024 XXXX XXXX XXXXXXXX Inquired on XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2024 XXXX XXXX XXXX Inquired on XX/XX/2024 XXXX XXXX XXXX Inquired XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX Inquired XXXX XX/XX/2024
Product: Payday loan, title loan, or personal loan

I signed up for XXXX XXXX through TD Bank for a line of credit for a cellphone and an additional {$11.00} a month for a phone protection plan. 

I had set up autopay directly from my bank account. The phone loan was paid off in full in XX/XX/2022. The {$11.00} protection plan continued to be charged to the line of credit after the phone was paid off, however, TD stopped accepting my autopay and a balance started accruing in XXXX. In addition to the XXXX a month, TD Bank also added a {$40.00} late charge every month since XXXX. They did not contact me nor notify me to update my autopay, nor did they notify me that they are not accepting my autopay. The first notification I got from them was a bill for over {$100.00}. 

This is an unfair and deceptive tactic, to allow companies to add on excessive fees without proper notification. They should have notified me immediately about any late payments so I could have avoided their ridiculous late charges. There was no prior message or notification that my autopay would stop working. In fact, autopay is still configured on my account but it is not going through.
Product: Debt collection

XXXXXXXX XXXX XXXXXXXX Creditor : XXXX XXXX XXXX AZ Account # : XXXX Balance : XXXX Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Balance : XXXX XXXX accordance with the fair credit reporting act XXXX  this account 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. 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 in 60 days to be removed.

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 may 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. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Delete the late payments from my consumer reports 8