23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I checked my credit and saw an old account from NC state employees credit union. I lost my job and fell behind on payments. I am still unemployed due to COVID.
Product: Debt collection

I sent a letter to Convergent Outsourcing collection agency disputing and requesting validation for an account on XX/XX/2021 and mailed it certified, return receipt requested. I tracked the letter via the online United States Postal Service website and noticed that they received the dispute letter on XX/XX/2021. I was never contacted, nor was my validation request ever honored. Therefore, I sent a follow-up letter on XX/XX/2021, which was received by the collection agency XX/XX/2021, to request removal of this information due to the company failing to respond. 

It is now XX/XX/2021 and I still have not received a validation or response. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), it is my understanding that companies have 30 days to investigate disputes. If they can not verify the information within the 30 day time period, they must delete all of the disputed accounts from my report. With that being said, am requesting permanent deletion of the disputed and unverified accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX Account Number : XXXX Reason : Account is closed I am writing to lodge a complaint regarding the deceptive reporting of a closed account by XXXX and Equifax on my credit report. The closed account in question is with XXXX XXXX, with the account number XXXX. 

It has come to my attention that both XXXX and Equifax are inaccurately reporting the closed account as open, which is adversely affecting my credit score and overall creditworthiness. This deceptive reporting misrepresents the true status of my account and poses significant challenges when seeking new credit or negotiating favorable terms.
Product: Debt collection

ON THE DAY OF XX/XX/year>, I AS ON A CALL WITH XXXX XXXX TRYING TO FIGURE OUT WHAT HAPPENED WITH MY MAIL, IN THE CERTIFIED MAILING PROCESS. I WAS ABLE TO REACH OUT AND TALK TO A REPRESENTATIVE ABOUT THE MATTER! SO, I WAS ABLE TO GET THEM TO REACH OUT TO THE OTHER POSTAL STATION IN THE AREAS THAT LETTERS WERE MAILED. THIS PARTICULAR LETTER WHICH WAS THE MORE KEY THAN THE OTHER ONE 'S WERE. AS I RECALL I GOT An EMAIL BACK FROM THE XXXX XXXX FROM XXXX, CA XXXX XXXX XXXX  AND THE AGENT 'S NAME HAPPENED TO BE XXXX XXXX XXXX # XXXX. UPON RECEIVING AN EMAIL, SHE REACHEDOUT TO PERSOLVE LEGAL LLC AFTER ASKING ME IF THAT WAS OK. SHE RETURNED A CALL BACK TO ME WITH An AGENT FROM THEIR COMPANY ON THE PHONE, REQUESTING MY APPROVAL TO LET THEM KNOW IT WAS OK TO LET HER KNOW THAT THE MAIL WAS RECEIVED. AS I GAVE THE INFORMATION, SHE ASKED FOR TO LET US KNOW THAT THEY RECEIVED IT SHE BEGAN TO DISCUS A DEBIT MATTER WHICH I LET HER KNOW THAT THIS WAS ONLY A CALL FOR ACKNOWLEGDE OF RECEIVED MAIL. SHE BEGAN TO GET INTO MORE DEPT WITH HER TRYING TO FORCE MORE CONVERSATION ABOUT A DEBIT SHE CLAIMS I OWE ALSO, RAISING HER VOICE BASICALLY TELLING ME TO STOP MEANING SHUT UP/LIAR IN A HIGH-TONED VOICE STILL TRYING TO ENLIGHTEN THE XXXX XXXX LADY ABOUT PERSONAL INFORMATION ON WHICH I HAD TOLD HER NO IN THE FIRST BEGINNING... THIS IS A THIRD-PARTY BUSINESS MATTER AS WELL AS HARRASMENT OF LANGUAGE AS WELL AS SPEAKING FALSE INFORMATION UPON MY MATTER BETWEEN THEM WHILE IT WAS RECORDED ON THE XXXX XXXX  LINE THE CONVERSATION LASTED FROM XXXX XXXX EST
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, Base on, 15 U.S. Code 1666 ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor, because I am a victim of identity theft! Please remove these accounts as soon as possible! 

Based on. 

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of my information, the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. 

Its been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible! 



UNAUTHORIZED ADDRESSES : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Mi XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Fraudulent collection Accounts : XXXX XXXX Bankruptcy Account Number:XXXX Account Opened:XXXX Balance : $ {$0.00} XXXXXXXX XXXX XXXX Account Number:XXXX Account OpenedXXXX Balance : {$0.00} XXXX XXXX XXXX Account Number:XXXX Account Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Account Opened XX/XX/XXXX Balance : {$420.00} XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) Account Number : XXXX Account Opened : XX/XX/XXXX Balance : {$420.00} Unauthorized Inquiries : Inquiry Name : XXXX XXXX XXXX Inquiry DateXXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX  Inquiry Date:XXXX Inquiry Name : XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX
Product: Debt collection

XXXX XXXX  attempted to collect debt from a credit card I never opened in the summer of XX/XX/XXXX. I called them and explained I did not open that credit card. They sent me a form to fill out. I filled it out and returned it. They called and said they are discharging the debt.

Early in XX/XX/XXXX I received a letter from XXXX attempting to collect the debt. I called and explained it wasn't mine. They informed me they would put a dispute on my account. A couple weeks later I received a letter explaining they reviewed my account and determined the debt is correct. They included a letter that only states my " debt '' was sold to XXXX. I called and was bounced around and no one could help me. I even explained I would file a police report if it would end this situation. They are still trying to collect a debt that is not mine.
Product: Vehicle loan or lease

Credit Acceptance auto loan. I have tendered payment via U.C.C. 3-603 - 3-604 sent a Promissory Note via certified mail XXXX with instructions on full payment for discharge. The instrument has not been honored, nor returned according to law. They verbally or the phone say they dont not accept form of tender which is in direct violation of the discharge/ Dishonorable not operating in the spectrum of the truth and lending act. They are not transparent.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I

have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I had an open complaint with Discover for a charge of {$7900.00}. Discover is stating that the merchant validated the charge but I wasn't disputing the charge amount, I was stating that services weren't received for that charge. I uploaded the information that I had from the merchant stating that a refund would be issued, however the Discover stated that they could only refund the charge if I had something from the merchant specifically stating that they would refund the charge on my discover card specifically. I had the same issue with XXXX XXXX because I had to split the total charge between both cards. XXXX XXXX has resolved the Issue with the documentation that they received from me but discover is stating that there isn't anything they can do about it. Today I receive an invoice from discover that is not very legible bate out what I can make out from the invoice is that it isn't generated from the same company that I had conducted business with and the date on the invoice doesn't match the date the transaction was made. It was an entire week later. I submitted the corrected invoice to discover stating that the merchant charged me more than what they submitted to discover but it was just split between two different cards. I also submitted a letter from the account manager which explained that the company would issue a full refund for not providing services. Discover also accidentally sent me another consumers information which let me to think about if my information had been sent to another consumer as well. I am concerned about the security of my information and Discover 's lack of their attention to detail. This company has a lot of sensitive data that they have been careless with. They also failed to do their due diligence when handling my case and refuse to open the case back up because they claim the information I have isn't specific enough. The executive office of Discover also has also stated that there is nothing that can be done for me. I have tried everything to bring this case to a resolution but I do not feel as if my dispute has been taken seriously. You will see in the attached documents that discover forwarded me another consumers dispute information. I am concerned that my information may have also been compromised in the process. All the information I uploaded was enough to bring the case to a resolution with XXXX XXXX, I don't see how discover couldn't do the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its past the time an inquiry can report on my consumer credit report which is a violation. XXXX asking you to step in a reach out to this credit card company and have them to delete this item.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$46000.00} XXXX  XXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

Myvemo debt acct is lock and no one can tell me why. They are sending me back and forth.telling me to a number where no one can answer XXXX XXXX
Product: Debt collection

Received payoff letter for loan with projected payoff date of  X/X/17    and title company attempted to tender payment on  X/X/17    but was rejected. Received new payoff letter increasing the payoff by {$2100.00} three days later! Requested explanation and was told they forgot to include {$1300.00} for work that their foreclosure attorney performed and {$750.00} for forced-place property insurance they forgot to include. ( Could not explain the other {$80.00}  ).
Product: Credit card or prepaid card

On XX/XX/2022 a credit card payment was charge to my XXXX XXXX XXXX account for my Capital One card. I was charged a return fee of XXXX. My issue is not just the fee. I have NEVER authorized Capital One to charge my savings account and Capital One DID receive their payment it was not returned. Their IVR even states the payment was received and no additional payment is due. 

I tried to call Capital one to rectify the situation as well as XXXX XXXX. XXXX XXXX gave me the trace number and told me it was coded as Savings. Capital One states it was checking. When I called Capital One I gave my Fiance permission to speak on my behalf and she asked to speak with a supervisor who was INCREDIBLY rude and inefficient. She actually hung up on us. I want the fee back and I want Capital One to credit my account for the bank charging the fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to my Experian credit report app and notice incorrect information on my credit report.
Product: Debt collection

I got hurt at my job which at the time was XXXX, XXXX the owner took me to the ER which was XXXX Texas ER. He had paid the bill in full I was under the impression that he had taken the bill through his insurance and paid it full. So I have tried contacting the collections to get it off my credit. They have not been communicating with me. I tried disputing it nothing has changed.
Product: Checking or savings account

Monday XX/XX/XXXX when i tried to access my XXXX banking account it was not allowing me so i gave them a call and they told me my account was restricted due to violating the terms and conditions which i have not. They told me once all my transactions were posted they would close my account and mail me my check, i called today XX/XX/XXXX and confirmed all my transactions have posted so i asked if they can please close the account and mail me my check and they refused since my account is restricted, i told them that is not with they told me on Monday and they refuse to answer any further questions. I'm a single mom of XXXX kids i cant afford to have my money frozen.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX XXXX Acct. # XXXX,. XXXX XXXX Acct : # XXXX, XXXX XXXX Acct. : # XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Acct : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX  : # XXXX, XXXX XXXX Acct : # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I checked my personal consumer report which I acquired from your organization and I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the XXXX XXXX XXXX and filed a complaint XXXX  XXXX which is attached
Product: Credit reporting or other personal consumer reports

I am writing to formally request the deletion of inaccurate information on my Equifax credit report concerning XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account has already been deleted from my XXXX credit report and should therefore also be removed from my Equifax report. 
According to 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. Additionally, under 15 U.S.C. 1681i ( a ), consumers have the right to dispute inaccuracies on their credit reports, and the credit bureau must reinvestigate the accuracy of the disputed information. 
The presence of this XXXX XXXX account on my XXXX report is a clear discrepancy, as it has already been verified and deleted from my XXXX report. I have attached a copy of my XXXX credit report reflecting this deletion for your reference. 
Please take immediate action to delete this inaccurate information from my Equifax credit report. I expect confirmation of the deletion within the legally mandated time frame.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the accounts below in my file : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax have reported incorrect and misleading information on my credit report. I am a victim of identity theft and these accounts do not belong to me from the following companies, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


I had no involvement with the transaction according to 15 USC 3002 I am a natural person which means my name in all caps is not me. My name is XXXX XXXX. XXXX5 USC 1692 ( a ) ( 1 ) the term " Bureau* means the bureau of consumer financial protection . XXXX, equifax, XXXX, and experian are assumed to be credit bureaus and there is only one bureau and that is the consumer financial protection bureau. On XX/XX/1933, congress enacted hjr-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress... In the payment of debts. This resolution declared that any obligation requiring " Payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( e ) ( elthe term 'investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Payment is legal tender for public and private debts. 15 USC 1681 c2a
Product: Checking or savings account

I got scammed XXXX from a job that turned out to be a fake job. I sent my bank all the screenshots and the phone numbers and they said they cant help me. This happened XX/XX/2024 to XX/XX/2024. I filed a claim with my chase bank and they couldnt help me. Also my XXXX XXXX account didnt help me out either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out my identity had been compromised because my wallet was stolen from the movie theater. I didn't take the proper measures afterward. I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letters after letters of several unpaid accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There are way too many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$910.00}
Product: Checking or savings account

On XX/XX/2019 I was approached online via email from a person wishing to purchase art from me. I agreed to create art for them and they sent me a check in the mail. The check had several security features and appeared to be from a reputable source. I deposited the check into my Wells Fargo checking account. Part of the money sent was to be for a shipping agent who was supposed to pick up the art from my home. Once the check cleared ( or appeared to clear ), I sent {$1800.00} to her shipping agent via online payment services. I also ordered her canvases from my printer. She then canceled her order and asked for a refund. Since the funds had appeared to clear, I processed her refund for about another {$1000.00} total. The check bounced after I paid her the refund which resulted in my account being overdrawn in excess of {$3000.00} including fees. Im on social security XXXX and only make about {$700.00} a month. The bank never should have made the funds available if the check was bad. I went into the bank and asked what I could do and they said there was nothing I could do but pay the {$3000.00} to get my account back in good standing. They are also charging daily overdraft fees. Its an unfair banking practice. I did nothing wrong, in fact they said they made the funds available because Ive never bounced a check and have been a good customer. Im scrambling trying to open a new account for my XXXX benefits to be deposited into each month. Until I can do that I have to have social security send paper checks, a major inconvenience when I did absolutely nothing wrong. I have also reported the person of the transaction that scammed me to the consumer protection agency.
Product: Checking or savings account

I have a debit card with Juno. They sent out a message letting us know that the cash services are disabled because of their bank. I need my money but they are not letting people withdraw.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPay quite frequently. My email ink to my PayPal is XXXX XXXX