23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Subject : Urgent : Expedited Update of Phone Number for Extended Fraud Alert Dear TransUnion Team, I am writing to urgently request the expedited update of the phone number listed on my extended fraud alert. The current phone number on file is incorrect and has caused me significant inconvenience. 

I have attempted to update my phone number through your website, but the system has not allowed me to make the necessary changes. Additionally, despite speaking with several representatives, the issue remains unresolved. 

Please delete all phone numbers currently listed on my credit report. The only phone number that should be listed as my contact is XXXX. 

According to the Fair Credit Reporting Act ( FCRA ), all information on my credit report must be accurate. Specifically, under 15 U.S. Code 1681i, you are required to correct any inaccurate information promptly. Failure to comply may result in civil litigation, and I will seek damages of {$1000.00} or more due to the detrimental impact and inconvenience caused by this inaccuracy.

I trust that you will address this matter with the urgency it requires and update my contact information without further delay. This issue has been a total inconvenience for me, and I expect a prompt resolution. 

Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX XXXX helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. 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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Checking or savings account

XX/XX/year> wasnt about to get my money somebody stole it could send no money
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed several accounts that are being reported as mine to all three bureaus and they keep saying they have verified them and when I requested information on how and with whom they were able to verify, I get no response at all
Product: Credit reporting or other personal consumer reports

someone tried to go online and get a car in my name
Product: Payday loan, title loan, or personal loan

XXXX XXXX i placed a order throw XXXX  a sister company to affirm. when you place order through XXXX XXXX. it tracks your order and gives you a notification when the merchant sends out your order. in this case i never received my order notification of tracking number and all above. i contacted XXXX XXXX XXXX XXXX about this issue and they responded to contact the merchant .. unfortunately still to this day the merchant has been unresponsive. the merchant website has totally vanished. but yet i still have affirm telling me they need evidence i that never received my item. which quite surprising being that all orders are track using XXXX XXXX app. when orders are shipped out by the merchant. can someone please explain to me why haven't affirm tried reaching out to the merchant or have they heard anything from merchant? or something quite simple .being that XXXX XXXX company of affirm can simply track and investigate if my order was ever sent out. which it has not. i been happy customer of using affirm until now. this very disappointing me being a costumer spending XXXX XXXX XXXX using affirm app. this the way they there loyal customers. i even have to open orders with affirm that i been making the payments on. all payments are on pause until affirm properly investigate this matter. its there job to protect there customers from things like this happening. i also noticed a couple of billing errors on my affirm account. i will have my consumer attorney make sure none of my rights are or has been violated under the FCPRA. the order number # XXXX website XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately. 

XXXX XXXX XXXX -- {$19000.00} XXXX XXXXXXXX -- {$990.00} XXXX XXXX XXXXXXXX XXXX XXXX {$2100.00} XXXX XXXX XXXXXXXX XXXX -- {$5500.00} XXXX XXXX XXXXXXXX XXXX -- {$1100.00} XXXX XXXX  XXXX XXXX -- {$2200.00} XXXXXXXX XXXX  XXXX XXXX -- {$4500.00} XXXX XXXX XXXXXXXX XXXX -- {$2200.00} XXXX XXXX XXXXXXXX XXXX -- {$2300.00} XXXX XXXX XXXXXXXX XXXX -- {$1100.00} XXXX XXXX XXXXXXXX XXXX XXXX {$1700.00} XXXX XXXX XXXXXXXX XXXX -- {$1100.00} XXXX XXXX XXXXXXXX XXXX -- {$1700.00} XXXX XXXX XXXXXXXX XXXX -- {$2900.00} XXXXXXXX XXXX XXXXXXXX XXXX -- {$5500.00} XXXX  XXXX XXXX XXXX -- {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for XXXX XXXX card on XX/XX/XXXX ( XXXX Bank Visa ). Purchased {$160.00} at that time. ( See attached document ) Received card at home address about 2 weeks later. 
Called on same day for billing information and paid same amount ( {$160.00} ) by check on XX/XX/XXXX. Never received bill in mail. 
On XX/XX/XXXX I ordered item on-line from XXXX XXXX. Amount of item was about {$100.00} Forgot about this item among XXXX shopping spree. 
Unknown to me, XXXX XXXX bills were being sent to wrong P O box. Never had XXXX XXXX   XXXX. 
XXXX Bank never notified me of returning bills even though they had my telephone number, home and E-mail address. 
Account grew to {$290.00} in 6 months due to fees and interest. 
Account was sold to Citi Bank in late XXXX of XXXX. 
Citi Bank called me by phone upon receiving account and account was settled onXX/XX/XXXX. 
I declined offer of XXXX XXXX Mastercard from Citi Bank. ( See attached document )
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquiries on my credit report that I have no clue where they came from. I did not give these companies permission or authorization to review my credit. I have not attempted to open any types of accounts with them either. I have attached the FTC report to have this fraudulent information removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXXXXXX account # XXXX, XXXX  Account # XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX and 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: Debt collection

This company calls themselves Midland Credit. 

They keep calling about a credit card account in the amount of over {$500.00} that they claim I owe from 10 years ago. 

I have repeatedly asked for them to send me validation of this debt because I don't recall anything about it. 

But they just keep sending bills which is NOT proof of the supposed underlying debt. 

As of lately, they call ALL the time. 

They just dialed my phone 5 TIMES within 1 minute. 

When I called back, the person I spoke to was aggressive and insulting and I had to hang up on him because he just kept saying they have validated this debt which they never have. 

I gave him my current mailing address to send validation, but they never do. 

I'm tired of being HARASSED by these people. 

Please help! 

XXXX
Product: Credit reporting or other personal consumer reports

I trust this letter finds you well. I am writing to express my deep concern and dissatisfaction with the persistent difficulties I have faced in attempting to correct a late open account issue on my credit report through Credit Bureaus. Despite numerous attempts, the issue remains unresolved, causing undue stress and negatively impacting my financial standing.

The continued presence of the late open account on my credit report is not only inaccurate but also adversely affects my creditworthiness. I have attached supporting documentation for each attempt made to rectify this situation, underscoring the urgency and significance of the matter.

I request your immediate attention to the following actions : Conduct a thorough review and correction of the late open account entry on my credit report.

Provide written confirmation once the correction has been successfully made.

I understand the importance of accurate credit reporting and its direct impact on my financial well-being. Therefore, I expect a prompt and diligent investigation into this matter. 

Failure to address this issue promptly may compel me to escalate the matter to relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$7800.00}.
Product: Checking or savings account

I was unable to access my funds online from Wells Fargo I called and was told my account was locked because of suspicious activity ( funds transfer ) I verified the transfer was initiated by me I answered all the verification questions and gave them the correct text verification code I was told Id still need to go to branch I informed them there is no branch in this state and Im a XXXX customer and if they cant grant me access them close the account and mail my funds to the address they have on file for me I was placed on hold and when the agent came they repeated that I have to go to a branch
Product: Credit reporting or other personal consumer reports

Used Wrong Names And Birthdate, Two Collections went on my account on XXXX for medical bills! Which affected my credit substantially
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally lodge a complaint against XXXX, Equifax, and XXXX for their failure to properly investigate and correct an inaccurate late payment reported on my XXXX XXXX XXXXXXXX credit card account ( Account Number : XXXX ). Despite providing ample proof over the past two years, including bank statements and receipts, my legitimate claims have been disregarded. 

Account Details : Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Paid, Closed Status Updated : XX/XX/XXXX Credit Limit : {$6500.00} Highest Balance : {$7000.00} Payment History : 30 days past due as of XX/XX/XXXX I have only one reported late payment, which is the XX/XX/XXXX payment on this account. I have repeatedly submitted proof to XXXX, Equifax, and XXXX that this reported 30-day late payment is inaccurate. Specifically : Payment Proof : I have provided my XXXX XXXX XXXXXXXX bank statement for XX/XX/XXXX, which clearly shows that the payment was made on time. Additionally, I paid inside the branch with a teller, ensuring timely processing. 
Metro 2 Compliance : As per Metro 2 guidelines, this payment should have been accurately reported. The continued misreporting of this payment constitutes a violation of these standards. 
Lack of Investigation : Despite my numerous attempts and providing comprehensive documentation, the credit bureaus have not conducted a thorough investigation. Their persistent failure to correct this error suggests potential bias, as they may benefit from maintaining negative information on my credit report. 
This inaccurate reporting has severely impacted my credit score and, consequently, my financial well-being. I have already escalated this issue to legal counsel and intend this as my final attempt to resolve the matter amicably before pursuing further legal action.
Product: Debt collection

This account was paid in full in full on XX/XX/2021 and it should not be on my credit report.
Product: Payday loan, title loan, or personal loan

As stated on my original complaint in XX/XX/2020 whereas Capital One Bank pulled my XXXX credit line for no reason after having for years In the middle of a Pandemic I was not satisfied with their response at all. 
I just recently found out that my credit score dropped 85 points on XX/XX/XXXX. All my bills are paid on time. 
I just wanted to bring this to your attention. 
Losing a credit line and having a severe credit score drop for no reason on behalf of a bully Capital One Banks business practices is horrific and very traumatic. 
And they can just get away with this?
Product: Credit reporting or other personal consumer reports

I am requesting validation of XXXX XXXX credit debt, with the acct number XXXX.As per my right granted by the FDCPA under section 809 ( b ). I dispute the validity of this debt and kindly request that Experian provide proper documentation and evidence to verify the following information : 1. The full details of the debt, including the originals creditors name, account number, and the amount owed.

2. A complete payment history, detailing all transactions and charges made to the account. 
3. Proof of a signed agreement or contract myself and XXXX XXXX, indicating my responsibility for the debt. 
4. Verification of statute of limitations for this type of debt in my state. Please provide the date of the last activity or payment made on this account.

5. Proof that your company carries a bond.

6. Proof of how your company assessed the outstanding debt.

7. Name and address of the original creditor.

8. Chain of title of this debt.

9. COPIES OF ALL LETTERS SENT TO ME FROM YOU AND FROM THE ORIGINALCREDITOR.

Your cooperation in providing the requested validation is necessary to ensure the accuracy and legitimacy of the debt in question. Failure to provide adequate verification within 30 days is a violation of the FDCPA.
Product: Credit reporting or other personal consumer reports

My social security has been lost for years now but somwhow from time to time I would see inaccurate inquiries and I recently found a collection form XXXXXXXX XXXX which negatively impacted my credit and Ive reached out to them and no one was able to help me
Product: Credit card

I was unknowingly made a member of PayPal Credit. Payments were routed without my permission to PayPal Credit rather than my chosen means of payment, my personal checking account and credit cards. I have questioned both membership and charges more than XXXX times in sriting to PayPal without satisfactory answers. I have written to close the account without results. On XXXX XXXX, 2015, the Consumer Finace Protection Bureau ( CFPB ) filed federal charges against PayPal Credit for the same fraudulent practices and the court ruled against PayPal, confirming this illegal practice. I am filing personally to have the account closed and my contested charges cancelled.
Product: Checking or savings account

I've been referred back to Security Intake Team concerning a check cashed in my name by someone else. This is a close out check in the amount of XXXX sent on XX/XX/XXXX, a stop payment placed on it in error, a second check sent on XX/XX/XXXX. I left for vacation on XX/XX/XXXX, a XXXX XXXX picked me up, drove me to airport. I was told by a XXXX, a manager, the check was cashed by a XXXX XXXX whom does not live at my address and am not related to. I was in XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, was not here to receive and sign check. If Capital One will check signature on file, they will see the signature on check is in fact not mine. A XXXX XXXX insists it is so she does not have to do anything further, ignores the fact I was not even at home to receive/sign check. She also refers to a prior check deposited via mobile app in the amount of XXXX from XXXX XXXX, I do not know anything about this transaction and has nothing at all to do with close out check cashed by this person. I have itinerary from XXXX showing travel info and can get a statement from the limo company showing I was picked up on said date.. Most recently, XXXX referred me again back to Security Intake Team whom does not return calls, numerous messages left prior to this issue as well as after and currently. Messages have been left by myself as well as from numerous managers, email escalations sent as well ... No call back. The stop payment caused my XXXX account to become overdrawn, a total of fourteen ( 14 ) overdraft fees charged in the amount of XXXX each, plus a return check fee in the amount of XXXX, a total of XXXX. Documentation concerning these fees emailed to Capital One prior, I was provided an email address by several managers, I do not have the address available to me at this time. I have not received a reply to date, XXXX requests additional copies mailed or faxed and will only credit my account which is now closed and has been closed for quite sometime ... Any reimbursement will have to be in form of a check as I've requested, a total of XXXX which includes fees in the amount of XXXX plus check amount of XXXX less XXXX. XXXX is the amount my account is now overdrawn by, a recent debit card claim was reversed and caused this overdraft. XXXX took over a month to reply to prior complaints, will not return my calls, a total of seven ( 7 ) messages left and none returned. She refers me back to Security Intake Team whom does not return calls, works off a voicemail, this is a mere run around.. In closing, I've spoken with several attorneys, was advised to file a small claim. In the even suit is filed, attorney fees totaling XXXX plus court costs will also be added on to suit. Please advise XXXX/Capital One, it would be in their best interest to simply pay the claim total of XXXX which includes overdrawn amount of XXXX. Documentation from XXXX which including statements will be filed with suit should legal action be taken.
Product: Credit card

When Costco terminated their relationship with XXXX XXXX, I advised Costco that I did not want another XXXX card with Citibank. Costco personnel advised me not to activate the card when I received it. I did not activate the credit card that Citibank sent to me. I subsequently received a bill from Citibank for the {$55.00} annual membership fee that was billed to the account that I never activated. I have called Citibank twice. They have informed me that the account is closed, however, I needed to have Costco back out the {$55.00} membership fee. When I went into Costco, they said they could not back out the fee without the credit card, which I shredded when I received it. I am still receiving voice mail messages from Citibank about my " account '' which they have twice informed me was closed, even though I never opened the account. I am disturbed that a vendor was able to charge an item to an account that I never activated, and am now getting the run around from both Costco and Citibank. Citibank just wants me to pay the {$55.00}. I do not want to pay on an account I never opened.
Product: Credit card or prepaid card

On XX/XX/15, I noticed that 5 Prepaid Mastercards managed by Blackhawk 's XXXX  had been fraudulent utilized without my consent. Some of the cards were completely drained, while others that a small balance remaining after the fraudulent transaction. I promptly reported the fraudulent transactions to Blackhawk, which in turn opened 5 dispute cases. As of XX/XX/15, 3 of the cases were closed in my favor and the money replenished. Of the 2 remaining cases, 1 was partially resolved in my favor- {$5.00} out of the {$45.00} were returned, and the last one for {$25.00} was declined. 

Blackhawk acknowledged there was a data breach in XXXX, even sent a letter advising of the same ; yet decided to deny the claims. Their response is that the merchant replied to the charge-back request. From the merchant 's perspective, the charge might have been legitimate, but the fact remains that it was done fraudulently due to Blackhawk 's inability to protect the card details. 

A class action lawsuit has even been filed XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

Recieved a text message from - XXXX with the following message : " XXXX XXXX We have an urgent matter in our office that directly concerns you. In order to help we must speak with you today at XXXX. XXXX '' Called the number. They claim to be a debt collection agency working on behalf of " XXXX '' that claims I owe them a debt from 2015. They have my address, social security number, name and employment history. They claimed the company had attempted to communicate with me before, which I have recieved no such communication. Answering rep claimed they were filling for wage garnishment and a hold on my drivers license, whatever that is. I asked for written evidence of the debt. They claimed the company was " done jumping through hoops '' and were going to proceed with legal charges. I refused and ended the call.
Product: Debt collection

i sent midland credit management a usps certified letter : XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX for all of the alleged debts of {$1200.00} ; XXXX ; and XXXX that they say i owe. i have not heard from them and the inaccurate information is still being reported on my credit report after i told them to cease and desist. They never gave me the documentation requested, per 12 CFR 1006.34 and 12 CFR 1006.38, which is a violation. 
this unverified information is damaging my credit and causing me XXXX. 
i have attached copies below for your reference