23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I began received a bill in early XXXX of XXXX from a debt collection agency for monies of over {$1900.00} with no explanation at all. I was shocked to say the least. I have NO BILLS due to any person or place, especially of such a high amount. 
I wrote letter back informing debt collector that this bill DOES NOT BELONG TO ME. I said, " THIS IS NOT MY BILL, YES I DISPUTE THIS CHARGE THAT IS ASSIGNED TO MY NAME. If you had the correct person you would know this, I am not the person you are looking for and to stop contacting me for any reason. Do not contact me further. '' About 30 days later, I receive another letter from this company, saying that I requested verification of said amount, They say '' enclosed is the account summary in response to your request. '' But it is just A BILL, no verification of anything which is the problem. bill states for " XXXX XXXX XXXX XXXX BY XXXX XXXX XXXX ON XX/XX/XXXX '' ... Now the amount has gone down to {$920.00} .... It has my name on it, nothing further, JUST THE SPELLING OF MY NAME AS VERIFICATION (? ) I have NEVER SEEN ANY EMERGENCY DOCTOR IN OVER XXXX YEARS, I HAVE NEVER BEEN SEEN BY A DOCTOR XXXX, IN ANY FACILITY, EVER. That's it, what they gave for verification was nothing of any sort of verification, it's a bill essentially saying that I AM THE PERSON WHO WAS IN THIS PLACE OR SAW THIS DOCTOR. It is NOT ME, AND NOT MY BILL! It's bare on information, no reason for being seen, no treatment, no DOB, no insurance, no signature, no ANYTHING connecting me to this bill. I am responsible person with high credit that I have worked very hard for, I do not incur bills that I do not pay. I have a medical doctor, I do not need nor have I used the services of ANY EMERGENCY PHYSICIAN. This is not my bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 


XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX
Product: Debt collection

I was victim of Identity Theft. That's the reason why I want to remove it immediately from my credit report because is affecting my score in a negative way. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I transferred money from my bank of the west account to another bank and had the funds available. The transfer posted the next day but the bank charged a XXXX ATM fee from last statement cycle which caused me to go into overdraft. Not only I had to pay the XXXX dollar fee but had to pay XXXX on top. A bank fee should not cause overdraft fee but they refuse to help or they keep telling me I made the transfer after the fee which is not possible.
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 nephew, 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 and inquiries : XXXX XXXX - XXXX, XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023
Product: Credit reporting or other personal consumer reports

XXXX account in collection. This is not my account account it says I opened in XXXX which I have is untrue I have not opened an account with XXXX. This is not my accounts or account was opened fraudulently!!
Product: Credit reporting, credit repair services, or other personal consumer reports

There 's a few reaons for this complaint : # 1 I have not received dispute results or any response in over 60 days - that is 2 full rounds of disputes that have gone unanswered which means that they are in violation of the FCRA and every single one of these accounts must be deleted. 

# 2 I have listed very specific dispute reasons such as all 3 bureaus reporting different balances and all 3 of them come back and state that it 's been verified. How can that be verified when each of the bureaus reports different info?

# 3 no notice of dispute was entered on any of these accounts and it 's required to be on there pursuant to section 623 or the creditor can not report the account! They had 30 days from the date my 1st dispute was received. All of these accounts must be deleted and I am uploading my credit report to prove that these accounts do not have that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that appears on my consumer Credit report : I have recently been informed that there are negative information and collection accounts reported by the following creditors or agencies in a file you maintain under my social security number. Upon receiving a copy of my credit report, I see the following entries listing charge off and owed amounts : 1. XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date Opened : XXXX XXXX. Inquiry : XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Been having credit problems. Tried to close accounts but cant.Now my credit scores is low. Am a father with XXXX lovely children. Tierd of paying rent. Me as a father just want to have my own home but all these hard inquiry wont let meget a loan any where. 

P.s please help me with my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter regarding unknown and inaccurate items that were on my credit report. After at least 60 days ( about 70+ now ), I still haven't heard anything back. Absolutely No Response. I feel like I am being ignored or taken advantage of in regards to the disputes. I have studied and according to section 611 ( a ) it is clearly stated that a failure to investigate these items gives a reason to delete these items WITHIN 30 DAYS and to be taken off of my credit report. Now, that at least 70 days have passed they need to be deleted immediately. Therefore, I demand that these items be removed from my account right away or I WILL begin litigation because this has exhausted me to my wits end and you have caused me a lot of stress. Not to forget to mention, I was hugely affected by the data breach involving XXXX and now I am fearful because my records are possibly in the hands of the wrong person. This is a serious matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my XXXX XXXX, XXXX  and Experian credit bureau reports and I have confirmed there are multiple credit inquiries that are were in fact NOT authorized by me. I attest and affirm that I did not authorize these inquiries and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I requested all three credit bureaus investigate the inquiries to determine who requested each inquiry. Furthermore, I included a copy of a XXXX XXXX, Maryland Police Report which indicates that my identity has been breached. It is my belief that the persons responsible for applying for credit with my information are responsible for that breach. 

I sent my complaint to all three credit bureaus Certified Mail Return Receipt and did not receive anything from any of the credit bureaus. No responses at all. 

THE FOLLOWING COMPANIES HAVE PLACED INQUIRIES ON MY CREDIT BUREAU REPORT : XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX MAIL ONLY XXXX XXXX  XXXX XXXX XXXX VA XXXX XXXX/XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX VA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX XXXX Address XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX OH XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX/XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX THE FOLLOWING COMPANIES DID NOT PROVIDE CONTACT INFORMATION ON MY CREDIT BUREAU REPORTS XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XX/XX/XXXX-XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you 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 XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX 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.
Product: Credit card

Yesterday, we received our Chase Visa bill, which contained a {$25.00} late fee and {$5.00} interest charge on a prior balance of {$430.00}. Trouble is, we had paid the bill in its entirety, and on time, as we have for the past XXXX years. When we received it, in late XXXX, I set it up for electronic payment with our bank for XXXX XXXX, a Friday. It was due on XXXX XXXX, a Sunday. The bank paid it on time, and when you pay electronically, the money is received a few moments after it 's sent
Product: Checking or savings account

I tried twice in the last couple weeks to open an online savings account with Comenity XXXX-Comenity XXXX is a brand of Comenity Capital Bank , Member FDIC. All deposit products are provided by Comenity Capital Bank, a Utah state bank. I have spoken with numerous customer service reps since trying to open the account and no one can give me a reason for the denial. I have no credit issues and according to the law they have to give me a reason if they're going to reject my request to open a savings account. Because of an identity theft issue about seven or eight years ago, I had my credit frozen at the three credit reporting agencies and left it that way but I've opened numerous accounts since then while my credit has remained frozen and have never run into this problem. my FICO score is somewhere around XXXX to XXXX.
Product: Credit reporting or other personal consumer reports

I came across the CFPB Experian and XXXX lawsuit. 

I am writing to file a formal complaint regarding inaccurate and fraudulent reporting on my credit report by Experian, XXXX and XXXX XXXX. Despite my repeated efforts to address and dispute errors, I believe I have been unfairly and unjustly impacted by their practices, particularly concerning incorrect information on my credit report. 

Here are the details of my complaint : Failure to Correct Inaccurate Information - I have disputed several accounts that I believe are either inaccurately reported or are a result of identity theft and my information being shared are the dark web. Companies such as XXXXXXXX XXXX, XXXX XXXX XXXX XXXX ( account that are NOT mine ), and XXXX have reported late payments and other incorrect information on my credit report. Despite my clear communication, the credit bureaus marked these accounts as " verified '' without providing any real proof or documentation of their findings. 
- Specifically, some accounts that I disputed were reported as " verified '' without providing details or supporting evidence to substantiate these claims, even though I explicitly requested further documentation and a clear explanation of their investigation. 

Fraud Alerts and Inaccurate Addresses/Name - I have reported that my personal information was compromised, including finding my data on the dark web, and requested that a fraud alert be placed on my credit file. However, despite this, inaccurate informationsuch as names, addresses, and accounts not belonging to mewas still included on my credit report. 
- I have also disputed accounts linked to addresses that do not belong to me and individuals whose names are not mine, and yet they remain on my credit report. There is no logical explanation as to how my information could be associated with multiple addresses and names that are not connected to me. 

Lack of Transparency and Investigative Detail - Despite my requests for transparency, I have not received detailed explanations of the investigations conducted by the credit bureaus. When I have requested proof of validation of the information reported, I have not received a meaningful response or adequate documentation to demonstrate how the information was verified. 

I believe the actions of Experian, XXXX, and XXXX violate my rights under the Fair Credit Reporting Act ( FCRA ) *specifically Section 611 ( a ) ( 5 ) ( A ) which requires the credit bureaus to conduct a fair and thorough investigation when disputes are filed. Additionally, these companies ' refusal to remove incorrect or fraudulent information may also be a violation of 15 U.S.C. 1681which mandates that consumers have the right to dispute and correct inaccurate information on their credit reports. 

These errors and omissions have negatively impacted my credit score and overall financial health, and I have been unfairly harmed by the lack of resolution and transparency. 


Thank you for your time and attention to this matter. I look forward to your assistance in resolving these issues. 

Sincerely, XXXX XXXX XX/XX/year>
Product: Credit card or prepaid card

Promotional balances do not earn interest if paid in full by expiration date. My payments ( quite often large amounts ) have been allocated to promotional balances, causing interest charges and inflated balances, even after I made an allocation request and company assured me that payments would be allocated according to my request. I have even received letters from the company confirming that payments were allocated, only to log on to my account online or receive a statement showing that the opposite was done and I was being charged interest on a balance that was paid. This is an ongoing issue. Customer service agents blame " the system ''. I am forced to deal with repeated calls, online chats, paper statements only an accountant can translate, and incorrect and misleading online account records. It is all very confusing and I believe a deliberate attempt to wrongfully charge fees and interest. I am certain that it is adversely affecting my credit in as much as actual balances are skewed by the company 's repeated failure to immediately update my account and properly credit my payments.
Product: Payday loan

I had been taking out a payday loan with CashNet USA for a few months. After repaying my loan and signing in to reborrow, I did n't see the option of my original payday loan, only the " new '' option of a Line of Credit. I was approved. The payments were set up to draft from my account monthly. The first payment was roughly {$240.00}. However, the following payments were just down right ridiculous. Ranging from $ XXXX- {$800.00}!! That 's more than ALL of my monthly expenses combined! And to top it off, the line of credit gains interest DAILY. My balance is the same that it was when I was initially approved for the loan. It does n't seem like there is a way out! I feel like I am a victim of predatory lending.
Product: Credit card

The Capital One XXXX XXXX generates miles, these miles can be redeemed on Capital One travel portal. Using the travel portal I booked a flight, then due to travel circumstances later cancelled that flight and Capital One issued a travel credit through the airline ( XXXX ). On XX/XX/year> I called to use the travel credit. The customer service representative then quoted a price for a flight that was {$150.00} more expensive, for the same Main Cabin class, than what the airline ( American ) was quoting on their site. The price on XXXX was {$170.00}, the price the Capital One representative was quoting was {$320.00}. I asked why there was this difference in price, he said it was due to this being a rebooking and not a new flight. I thought the price discrepancy was sketchy and improper. I called XXXX and asked them about the travel credit and rebooking costs and they quoted the {$170.00} price. So it seems the representative and Capital One portal is not fully disclosing their fees and using a system that over quotes prices for flights and was not willing to disclose pricing structure when asked.
Product: Credit reporting or other personal consumer reports

I am sending to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt. 

I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : Complete payment history, as per the precedent set by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the Original Creditor.

Date of Last Activity.

Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 
Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. 

The obligation between your company AFFIRM INC XXXX XXXX XXXX XXXX and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company. 

Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt. 
Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. 
Any other pertinent information regarding the creation of the debt by your collection agency like ( 1. Where the debt originated from, 2. ) The sum paid by the bad debt buyer for the plaintiff 's debt, 3. ) How the total amount was determined, and 4 ) A list of documents that authorize the collection of debts. )
Product: Credit reporting or other personal consumer reports

XXXX says im 30days past due due which is hurting my credit when i have all proof i wasnt
Product: Credit card

On XX/XX/year> I made a large purchase at an XXXX XXXX in XXXX. The saleswoman made a huge deal about this big sale they had going on and all I needed to do was answer a few questions. As she takes down my personal information she gets more and more detailed and I stopped to ask her why they need this info and what they will do with it. She assured me that they only collect this info for demographic research for marketing and to sign me up for mail newsletters and things like that. She said none of the info is used for anything else. The she asked for my social security number and again I asked her why they needed that and she told me that they wanted to make sure everyone that gets the sale only gets it one time and so they record your SSN just to make sure you dont get the sale twice. Next thing I know on XX/XX/XXXX I believe I was approved a new line of credit with Barclays and XXXX XXXX. I can swear on my life that that woman NEVER said the word credit let alone credit card and that I asked her at least 3 times what my info was being used for and she swore it was just for marketing purposes/making sure the sale is used only once by each person. This must be illegal